vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-26 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trust Financial LLC
State: ID

Complaint narrative:
On XX/XX/year> I was XXXX XXXX to the University XXXX ambulance that take me to the emergency hospital did not bother to send me my bill for XXXX years and I was shocked the collection people tried to get a sum of money from me and threatened my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Received an email this morning from one main financial that I applied for a loan and was denied. I have not applied for any loans.

Have been constantly receiving emails from other companies Ive never heard of asking me to complete this process for my loan and again I havent applied for any loans in many years. My info has been leaked somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I am submitting this complaint/dispute as a victim of identity theft. My personal information was compromised in the XXXX Equifax data breach, and I have since discovered fraudulent activity on my credit report that I did not authorize. 

Specifically, there are accounts and/or inquiries appearing on my credit file that I did not open, authorize, or recognize. These include : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not had any dealings with these companies and did not authorize any of the listed activity. This is identity theft, and I am requesting that these accounts/inquiries be permanently removed from my credit report under the protections of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g and 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Below is a letter written directly to the apartment community of the issue at hand. 

To Whom It May Concern, I am writing in regard to the outstanding balance of {$3900.00} reported as due following my move-out per XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX I am requesting clarification and a final accounting of this balance. 

At no time was I provided a final move-out statement as required by law by the California Civil Code Section 1950.5, which would have allowed me to understand and resolve any outstanding charges directly. Instead, I received an estimate of over {$26000.00}, which I never agreed to pay and which does not reflect the actual final balance you have now reported to collections. Furthermore, I also reached out to the property manager XXXX to provide my contact information again so that I could receive the actual amount due as I was trying to cover the balance in full. This lack of communication denied me the opportunity to settle this matter despite my willingness to resolve any legitimate debt. 

Additionally, per court documentation, I agreed to make payments toward an accurate and verified balance not the estimated amount of {$26000.00} that was initially presented. I did not receive a final statement or explanation breaking down the {$3900.00} balance you have since transferred to a third-party collection agency. Moreover, it has been over a year and I still have yet to receive a final move out statement and the only way I was able to find out about the debt as it was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My BOA checking account was frozen. On XX/XX/XXXX I received an email stating my phone number had been removed from my XXXX account. I called, but I could not get an answer and was put on hold but after XXXX minutes I hung up. Today, XX/XX/XXXX I received an email stating my automatic bill pay was turned off and to call fraud. I reached a representative that told me my account was frozen and under investigation for suspicious activity. I asked if any details, she told me she couldn't say. She told me I would receive a call when they were done with the investigation, but no further details or time line on how long this will take. All my money to pay bills, etc is in this account.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Ive been working hard on my credit, but I just noticed that the account XXXX XXXX with the number XXXX is showing up as Collection or Charge Off on my report. You listed it as opened on XXXX with the last activity on XXXX, but I know thats not true. This mistake is really making it hard for me to reach my goals, like qualifying for a loan or getting a better interest rate. Please remove this account and provide proof of the {$190.00}, since I definitely dont owe it. 

I've identified a billing error related to the late payment entry for account XXXX XXXX for the year XXXX, in the month of XXXX, as defined under 15 USC 1666 of TILA. This demands immediate correction. Referencing XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), it's clear that action must be taken. Please update the late payments to " paid as agreed '' or " never late, '' but retain the account. 

Your agency 's failure to properly investigate my dispute and your continued reporting of questionable data without substantive verification constitutes a direct breach of the following provisions of the FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a credit reporting agency to conduct a reasonable reinvestigation when a consumer disputes an item. TransUnion is not exempt from this standard.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates that unverified or inaccurate information must be deleted from the file.

- 15 U.S.C. 1681e ( b ) Imposes an obligation to ensure maximum possible accuracy of consumer reports. Failing to verify disputed data and blindly regurgitating furnisher responses does not meet this standard.

- 15 U.S.C. 1681s-2 ( b ) Holds furnishers accountable to conduct an investigation when a dispute is triggered via a CRA. The agency is required to relay accurate, verifiable, and complete resultsanything less is a violation.

As you're aware, the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against your counterparts, XXXX and XXXX, for failing to perform proper dispute investigations and deceiving consumers by reporting unverifiable data without real inquiry.

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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im writing to file a complaint against Capital One regarding how they handled a dispute on my account. I truly feel that the way this situation was managed was not only unfair, but it also caused me unnecessary stress and financial hardship. 

Several months ago, I disputed a transaction, and the bank issued a provisional credit while they investigated the issue. After that, I heard nothing. They never contacted me again to follow up or request more information. I assumed the matter was resolved. 

But over 90 days later, without any explanation or notice, they reversed the provisional credit and withdrew the money from my account. I was never informed of a final decision, and I never received any documents or findings about the investigation. 

This sudden reversal left my account overdrawn and caused serious issues ; including overdraft fees, missed payments, account restrictions and credit concerns. I felt blindsided, and when I reached out to the bank for answers, I was met with silence or vague responses. 

I now understand that under Regulation E, the bank is supposed to give a written explanation of their findings before taking back a provisional credit and especially after such a long period. That never happened in my case. 

All I want is to be treated fairly. Im asking the CFPB to please look into this, and help ensure the bank takes responsibility, provides the information they were supposed to, and fixes the harm this has caused me. 

Thank you for your time and support

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I recently obtained a copy of my Experian credit report and discovered four hard inquiries that I did not authorize or initiate. I have not applied for any loans, credit accounts, or services with these companies on or around the listed dates, and I did not provide written, verbal, or electronic consent for them to access my consumer report. 

These inquiries were made without my knowledge, consent, or authorization and therefore constitute a violation of the Fair Credit Reporting Act ( FCRA ) 604, which requires a valid permissible purpose and consumer authorization to access a credit report. 



Unauthorized Inquiries Reported by Experian 1. Certified Credit Report Type : Mortgage Reporters Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Phone : ( XXXX ) XXXX 2. XXXX XXXX Type : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Phone : ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX  : Automobile Dealers, New Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Phone : ( XXXX ) XXXX 4. XXXX XXXX XXXX XXXX Type : Credit Unions Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Phone : ( 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 2025-06-26 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:
Experian has failed to grill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on number credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recent filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my Experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inactions violates federal law and my rights as a consumer ACCORDING TO 605B THESE ACCOUNTS ARE NOT MINES SO PLEASE DELETE IN FOUR DAYS 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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a follow-up complaint regarding Ally Financials reporting of a repossession on my XXXX XXXX XXXXXXXX, despite the vehicle being declared a total loss and the account being paid by insurance. 

The vehicle was involved in an accident on XX/XX/XXXX. I informed Ally of the situation. The claim was still under active review when Ally repossessed the vehicle on XX/XX/XXXXXXXX  over unpaid towing/storage feesnot due to missed loan payments. 

On XX/XX/XXXX, Ally received a total loss settlement payment of {$5300.00} from the at-fault partys insurer. This satisfied the balance owed, yet Ally still reported the account as a derogatory repossession. 

I contacted Ally multiple times and submitted documents through CFPB, but Ally continues to report this negatively on my credit. They claim no record of my notification, despite my documented communication. 

The reporting of a repossession in this case is unjust and damaging, especially since the balance was satisfied through insurance and I remained in communication throughout.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I submitted a claim XX/XX/year> regarding a claim that XXXX took my fund but didnt process on there end & XXXX close my acocunt. So I submitted a claim case ID : # XXXX. I was trying to get my provisional credits or funds to come back on my card and they told me i got to wait 5/7 business day. But i have a mortgage that need to be paid last friday. Im a whole week late. I need my money back asap or something can you please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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: MOHELA
State: FL

Complaint narrative:
I Recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation