vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. The information identified in my dispute and currently appearing on my credit report does not relate to any transaction, account, or activity that I have ever authorized or conducted. These entries are the direct result of identity theft, and they must not be associated with my consumer file in any way. Under Section 605B of the Fair Credit Reporting Act, codified at 15 U.S.C. 1681c-2, I am exercising my full legal right to request the immediate blocking and permanent removal of all fraudulent information connected to the identity theft incident. Federal law requires that this information be blocked promptly upon receipt of my identity theft documentation, that it be removed from my file, and that all furnishers who supplied the fraudulent information be notified that it has been eliminated from my credit report. The law also requires that this blocking action be completed within four business days of receiving my materials. To support this statement, I am providing all documentation required by federal law, including a complete Identity Theft Report as defined by 15 U.S.C. 1681a ( q ), proof of my identity, and a copy of Section 605B outlining your obligations regarding the blocking of identity-theft-related information, and prevention of reinsertion. This serves as my formal declaration and lawful request. The fraudulent items identified in my dispute must be blocked, removed, and prevented from reappearing on my credit report, in full compliance with federal law.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Specialized Loan Servicing LLC ( SLS ) * * Subject : * * Failure to Correct Servicing and Ownership Errors XXXX XXXX XXXX XXXX XXXX XXXXXXXX Trust I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX is the current servicer for the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and has failed to take corrective action or properly respond to ownership disputes caused by the false XX/XX/XXXX assignment. 

XXXX has been aware of the conflicting assignment since XXXX through my notices and CFPB filings, but has taken no steps to correct its records or coordinate with XXXX XXXX to clear title. This failure constitutes a servicing error under Regulation X ( 12 C.F.R. 1024.35 ) and an unfair practice under the CFPBs mortgage servicing standards.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting several accounts and inquiries that are incorrect or unverifiable, even after prior disputes. 

Charged-Off Accounts in Dispute XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance {$0.00} These accounts show a {$0.00} balance yet still appear as charged off, which is contradictory and unverified. 

Hard Inquiries in Dispute XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX I do not recognize or recall authorizing these inquiries. 

Late Payments Reported XXXX Acct : XXXX DEPTEDXXXX ( multiple accounts ) XXXX XXXX Acct : XXXX XXXX Acct XXXX XXXX These late payments appear inaccurate and have not been supported with documentation. 

Request I am requesting that TransUnion : Reinvestigate the disputed items under FCRA 611. 

Provide complete documentation proving each items accuracy. 

Remove any unverifiable accounts or inquiries.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I was alerted by all three credit bureaus that a collection was added to by credit report. I went to investigate and immediately disputed the charge. I have never heard of the collection agency, never received any correspondence from the collection agency and the charge does not belong to me. 

* XXXX  deleted the account. 
* XXXX is still under review. 
* XXXX  sends back a results stating it was verified. - Where is the proof??? 

I've attempted to contact the collection agency but have been unsuccessful with my attempts. 

Please remove this collection from my report. This does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IN

Complaint narrative:
On reviewing my credit reports, I found multiple hard inquiries and several accounts/tradelines that I did not authorize and/or that appear inaccurate. 
Unauthorized inquiries : My credit file shows hard inquiries from multiple companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not apply for credit with these businesses on or around those dates, and I did not give permission for my credit to be pulled. 
Inaccurate / unverifiable accounts : My reports also list accounts that I dispute as not mine and/or not accurately reported, including : A collection/tradeline reported by XXXX XXXX XXXX ( account shown on report ending in XXXX XXXX XXXX XXXX  ) A tradeline reported by XXXX XXXX XXXX XXXX XXXX XXXX account shown on report ending in XXXX XXXX XXXX XXXX ) A tradeline reported by XXXX XXXX XXXX  ( account shown on report ending in XXXX XXXX XXXX XXXX  ) Additional disputed tradelines listed on the reports ( including XXXX I believe is not mine ) Actions taken : On XX/XX/XXXX, I submitted disputes to the credit reporting agencies by certified mail, requesting : deletion of inquiries lacking permissible purpose, and reinvestigation and deletion or correction of any account information that can not be verified as accurate. 
What I want resolved : Remove the unauthorized inquiries from my credit file. 
Delete or correct any disputed accounts that can not be verified as accurate and belonging to me. 
Provide written results of the investigation and an updated credit report reflecting any changes. 

The disputed inquiries include XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX ), and multiple auto/finance-related inquiries around XXXX, plus disputed accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-03 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:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days.

The following items on my report are a direct result of identity theft and must be blocked : XXXX CARD - XXXX, XXXX XXXX XXXX XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I opened a checking account with TD Bank in XXXX and was never informed of a XXXX XXXX monthly maintenance fee, minimum-balance requirement, or any fee schedule at account opening. I received NO written disclosure of fees as required under the Truth in Savings Act / Regulation DD ( 12 CFR 1030.4 ( a ) ( 1 ) ). 

Despite the lack of disclosure and my lack of consent, the bank has been deducting XXXX XXXX  monthly maintenance fees for over XXXX years. These unauthorized transfers also violate Regulation E ( Electronic Fund Transfer Act ) specifically 12 CFR 1005.10 and 1005.11, which require explicit authorization for withdrawals and proper error resolution. 

Furthermore, increasing the minimum balance requirement and charging undisclosed fees constitutes an unfair, deceptive, or abusive practice under UDAAP ( 12 U.S.C. 5531 and 5536 ). 

I previously requested a refund and was only given XXXX months credit. That is insufficient and fails to make me whole. Therefore, I am requesting a full refund of all improperly assessed fees for the duration of time they were charged ( approximately XXXX months ). I also request an investigation into the banks compliance with federal and state consumer-protection laws. 

I asked the bank to explain the XXXX XXXX monthly maintenance fees and provide the mandatory written fee disclosures required under Regulation DD ( 12 CFR 1030.4 ). I also requested a full refund of all undisclosed and unauthorized fees charged to my account, which were deducted without my informed consent. The bank only refunded XXXX  months and refused to refund the rest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-03 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX XXXXXXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$2100.00} Account name XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1100.00}

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