vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
TransUnion has allowed multiple unauthorized and inaccurate credit inquiries to appear on my consumer report. These inquiries were made without my consent, without permissible purpose under the Fair Credit Reporting Act ( FCRA ), and remain on my file despite disputes. This misconduct has materially harmed me by lowering my credit score, limiting credit opportunities, and exposing me to financial loss and reputational damage. 

FCRA 604 ( 15 U.S.C. 1681b ) Lack of Permissible Purpose TransUnion furnished my consumer report to parties that had no permissible purpose, enabling unauthorized hard inquiries. This is a direct statutory violation.

FCRA 607 ( b ) Failure to Maintain Accuracy TransUnion failed to implement reasonable procedures to prevent unauthorized inquiries from being reported.

FCRA 611 ( a ) Failure to Conduct Reasonable Reinvestigation Despite my disputes, TransUnion did not remove the inquiries or provide documentation showing valid authorization. Instead, they parroted unverifiable data from furnishers.

FCRA 616 & 617 Liability for Willful and Negligent Noncompliance By continuing to publish unauthorized inquiries and ignoring disputes, TransUnion has acted both willfully and negligently, making them liable for statutory, actual, and punitive damages.

As a result, I have suffered : Lowered credit score due to unauthorized hard inquiries. 

Loss of credit opportunities ( denials and higher interest rates ). 

Financial damages in the form of increased cost of borrowing. 

Emotional distress, XXXX, and time lost attempting to correct this inaccurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$83.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
I applied for a home mortgage with XXXX XXXX XXXXXXXX XXXX XXXX. The process did not go smoothly because I was informed after being approved for the loan that I needed documents from a mortgage I already have on another house go owned with my estranged husband. I informed them prior to being approved for the loan with XXXX XXXX XXXX that I did not have " any access '' the documents being requested which were with the other individual and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX insisted that I told them I had access to such documents which was " false. '' I said go over all our phone calls which is recorded. Because oXXXX XXXX XXXX XXXXXXXX I had to fight to get my {$1000.00} earnest money back and they refused to provide me with a letter stating that I did not qualify for the loan based on the fact that I could not provide them with such documents. XXXX XXXXXXXX XXXX has refused to provide these documents and I am making a complaint against them as well with CFPB. I lost {$950.00} for an appraisal that I believe to be false. XXXX XXXX XXXXXXXX not only order an appraisal for {$700.00} with an additional {$250.00} being paid to a third party. I have requested my {$950.00} be credited back to my credit card XXXX XXXX XXXX caused me a lot of pain and time for something I never qualified for and I never lied or told them otherwise. They are a horrible company misleading XXXX XXXX and unlawfully taking their money. I informed XXXX XXXX XXXX that I did not agree with the appraisal that it was false. The property had damage and needed repairs. For example : the plexiglass bathtub was damaged by a renter at the property and the toilet lid was damaged as well as the toilet seat. The wooden toilet seat was broken half and taped together, the toilet lit broken and the bathtub had " been hit with a " hammer '' making a huge hole in the tub. '' The living room front window was damaged and held together with a " nail '' and is unable to be open for egress. The appraisal stated that " no repairs '' were needed which was false. The driveway is " cracked '' and needs major repairs. The XXXX ramp needs to be replaced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: BSI Financial Holdings, Inc.
State: IL

Complaint narrative:
1. Lack of Transparency in Loan Terms : At origination, key terms related to late fees, default interest, and acceleration triggers were not clearly disclosed.

Standard sequence as follows : ( late delinquent default ) Late= Missed the due date ( short-term 1-15 days past due ) Delinquent = Grace period has passed, lender treats it as overdue. ( 30days past due ) Default = Long-term failure to pay legal/collection consequences. ( 90 Days past due ) Loan servicer interpretation of promissory note and loan agreement contain ambiguous provisions regarding how default interest is applied. 
The lender failed to provide a clear Truth-in-Lending style disclosure, leaving servicer unable to reasonably assess loan promissory note. 
2. Improper Default Interest and Fees : Upon a minor payment delay, the servicer assessed default interest in addition to standard contractual interest stated as " one time late fee ''.

The servicer imposed late fees on top of default interest, creating a form of double-dipping.

The servicer also imposed late fees on top of default interest at will, adding and subtracting fees throughout accounting records illustrating inconsistency.

This practice is excessive, punitive, and inconsistent with standard Illinois lending practices resulting in over {$40000.00} in fees potentially violating Illinois usury principles and the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
Hello, I get a message from Robinhood LLC that my account is in danger of escheating. 

I go to log into my account, and I can't because of a technical issue which I believe is on their end. Even if it is on my end, I can not communicate with Robinhood, so I have no way to resolve the issue. 

The only available option is to email XXXX which they do not meaningfully reply. This leads me to believe that this is on purpose, so I am reporting it here. 

I think Robinhood is going to profit from my inability to log in. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: LA

Complaint narrative:
I am filing a complaint against Vanderbilt Mortgage for mishandling my loan. From XXXX, Vanderbilt over-collected escrow beyond the RESPA 2-month cushion and misapplied monthly payments in violation of RESPA and TILA. As a result, my principal has only reduced ~ {$3000.00} {$5000.00} when it should have been ~ {$7000.00} {$9000.00} according to the amortization schedule. Approximately {$3000.00} {$4000.00} of principal has been diverted to interest, artificially inflating my balance and monthly costs. In addition, Vanderbilt reported late payments that resulted directly from their own misallocation of funds. These late reports are inaccurate, harmful, and constitute violations of the FCRA. I have already served Vanderbilt with a Qualified Written Request and a notarized affidavit demanding correction and reallocation, but they failed to resolve the issue. 
I am attaching supporting evidence, including the loan estimate, first payment notice, and full payment history showing overcharged escrow, misapplied principal payments, and the resulting false late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
SUBJECT : Executive Response Claims Compliance - Evidence Reveals XXXX Potential Violations PLEASE READ THE CITIBANK CASE FILES IN SEQUENCE ( Each file is numbered and titled for clarity. Volumes build upon each other and are best understood in order. ) This is Volume XXXX of a XXXX, XXXX documented sequence detailing systemic Citi misconduct. 

While Citi 's Executive Responses claim compliance with all laws and regulations, this filing lists Citi 's XXXX potential violations, all stemming from Citis original fraudulent handling of my account on XX/XX/XXXX -- the day they took my {$4000.00} XXXX XXXX  balance transfer check # XXXX, credited my account with it, then reversed it, then reclassified it as " new purchases, '' incurring 24.99 % interest, during a still-active XXXX 0 % XXXX XXXX period. All fraud goes back to this single day, and this series of actions. 

Each of the XXXX potential violations listed presupposes my attempts at seeking remedy since XX/XX/XXXX when I first realized what Citi had done, I have raised questions, requested corrections, and sought transparency and each time I have been met with nothing but obstruction, misrepresentation, and outright pushback. 

This is not a record of isolated errors, then, but a systemic pattern of misconduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion concerning the accuracy of XXXX tradelines : -XXXX  XXXX XXXX XXXX ending in XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX  ) ( ending in XXXX ) The dispute identified multiple factual and reporting inconsistencies, including : -Repeated charge-off notations that extended well past the initial charge-off date -Balance amounts that exceeded the original credit limits -Duplicative and inflated Balance and Past Due fields -Missing clarity regarding current account ownership or debt transfer status On XX/XX/year>, TransUnion responded stating that the accounts had been verified as accurate. However, the response failed to identify any furnishers or provide specific details regarding how the reinvestigation was conducted. Additionally, the disputed inaccuracies remained unchanged on my credit file. 

On XX/XX/year>, I sent a Method of Verification ( MOV ) request under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), specifically requesting : -The names, addresses, and telephone numbers of all furnishers contacted -A description of the procedures TransUnion used to verify the information -Copies or summaries of any documentation relied upon to verify the XXXX tradelines On XX/XX/year>, TransUnion issued a form response that restated the tradelines had been " verified as accurate, '' and directed me to view results online. The response failed to address the MOV request and did not provide the required procedural details, names of furnishers, or any underlying verification records. The disputed errors remained uncorrected, with no meaningful investigation or explanation provided. 

TransUnions failure to provide a meaningful response to the XX/XX/XXXX dispute and subsequent XX/XX/XXXX XXXX  request constitutes a violation of the FCRA, specifically 15 U.S.C. 1681i ( failure to conduct a reasonable reinvestigation ) and 1681g ( failure to disclose complete file information upon request ). Their conduct has obstructed my ability to understand the source of inaccurate reporting and pursue appropriate remedies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This account is being falsely reported as discharged through bankruptcy, but the U.S. Bankruptcy Court has confirmed in writing that I have no bankruptcy filings. This reporting is inaccurate and must be removed. 
Demand they identify the exact bankruptcy case number they are relying on. 

State that the court has already confirmed no case exists in your name ( attach the courts XX/XX/XXXX letter ) .they are in violation of FCRA 1681s-2 ( a ) ( furnishing false info ) and FDCPA ( if they attempt to collect ). 

Delete now This my 8th time deal with this disputed over and over it's hurting me to take care of my little kids from this false information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief