vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
Dear TransUnion 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

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 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC
State: AL

Complaint narrative:
I was approached to buy a water treatment system. The salesman came to my house. I was given a demonstration. I agreed to buy the system. I was given a payment amount of $ XXXX. The salesman told me that a followup would happen after the installation and everything would be disclosed then. I was not given any information concerning the APR or any other financing information. I also had no contact information to cancel the order. The installer came out the next day to install the system. I was upset because I had no information other than the payment amount. The installer gave me the number for his supervisor. I called the man and he only told me that my payments would be $ XXXX. I allowed the system to be installed. the next day a man, named XXXX, came to the house to check the installation. He never told me if everything was OK. He left a XXXX page document, but he didn't explain it's contents, went outside to inspect the system and he left before I could ask questions. I expected to be contacted by email about the finance terms. By the time I realized that I didn't have the information I needed to make a decision the XXXX day cancellation date had expired. The lender finally called me on XX/XX/year>. I asked for the interest rate and was told it was 11.99 %. I asked for a copy of my financing information. They have not yet provided me with that information. I have no idea what the overall cost of this system will be. 
Note : The last image does contain the interest rate. I didn't see this until I scanned it for this complaint. It is contained in the image numbered XXXX. I see it as an optional feature that was not signed by me or the seller nor was it explained to me. I always believed that a contract had to be signed by both parties. 
XXXX 's name : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The Lender 's name : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I did not meet with, discussed, authorized or signed any documents pertaining to any work to aquire a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK

Complaint narrative:
This is a followup to case XXXX according to resolution, information was to be removed from my credit report within 40 days. 

XXXX XXXX I received a letter from my XXXX XXXX card.

We wanted to let you know that after a recent review, the credit limit on your account has been reduced to {$3800.00}. The cash advance limit is {$800.00}.

We made this decision for the following reason ( s ) : Your FICO Score ( see below ) * Further digging shows 1 delinquent account for more than 2 years ... which would be this one! 

As indicated previously, I worked VERY HARD to get my credit score close to XXXX, and before this discover issue, it was I believe XXXX. 
now, 2 years later ... XXXX, and after XXXX lowers my credit line, the score will decrease further. 

I reached back to Discover at the number for XXXX in the complaint resolution. XXXX is supposed to reach out to the credit bureaus and try to get this information corrected... AGAIN. 
What recourse is there against these people for this FRAUDULENT activity and continued harassment of my credit score?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX, has violated my rights. 

I looked at my Experian report on XX/XX/2025 and noticed some things are incomplete and not accurate And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-09 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/year> there were four fraudulent charges I did not make on my XXXX XXXX XXXX. Each charge was {$2000.00} and made from places in XXXX. I contacted XXXX and filled out the proper complaint form in XXXX. After 90 days when I spoke to the Fraud department they said I would be receiving a letter in the mail rectifying the fraudulent charges made. I've call multiple times and assured a letter would be mailed out in 5-10 business days. My card has since been turned over to collections. I made a call today and again was assured by XXXX that I am not to worry and my fraud case was being handled. According to the fair trade act I am not responsible for these charges. I did not make them and have no understanding of who Borne Connect Limited in XXXX XXXX is or XXXX limited in XXXX XXXX is nor XXXX XXXX is also from XXXX. This is a total of {$8000.00} plus {$900.00} of interest accumulating.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is refusing to contact XXXX XXXX XXXX and have them respond to validation letters, photos and audio documentation sent through Experian. 
Have recorded call with Experian where multiple agents are refusing to acknowledge me or my request for removal, even when, they admit XXXX XXXX XXXX is not validating multiple letters sent over in the past 2 years. 

Called XXXX XXXX XXXX and XXXX XXXX offices and they refuse to answer my questions about their validation process or if the reviewed the photos and videos sent over and the are bypass all questions and only asking for payment. They have sent a letter asking mt to call thier office, and still refuse to speak about validation, only asking for payment. 

Please have Experian removed my collections With XXXX XXXX XXXX from report, due inaccurate and inadequate responses from XXXX XXXX XXXX and XXXX XXXX XXXX over the last 2 year of me trying to resolve this amicably.

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 2025-10-09 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
XXXX XXXX  Has reported and sold to a collection violation as if the person knows or has reasonable cause to believe that the information is inaccurate. 1681s-2 ( a ) ( 1 ) ( A ), This account and incorrect information need immediately removed and deletion under FCRA 609 , 611, and 623.

Pursuant to FCRA 609 ( a ) ( 1 ), I request disclosure of all information the credit bureau has on file for this account, including source, furnisher name, and original documents bearing my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I went to XXXX XXXX XXXX dealership in XXXX, NY around XX/XX/XXXX for a XXXX that was advertised for around $ XXXX they did not show me this car instead but a XXXX XXXXhat was $ XXXX. 
I told them I only had $ XXXX down they asked for my personal, business bank statements as well as my XXXX for XXXX. They told me I was approved and then they said I needed $ XXXX, I said I did not have it. The salesperson kept calling me texting me to date to come in to the point on XX/XX/XXXX texting me and writing " I was approved and did not have to put down any money. " I went there and then they offered me a different vehicle and ran my credit with out my knowledge or consent and came to me and said I needed to give them $ XXXX!! I feel I have been discriminated against and abused not to mention the havic they did to my credit by running it over and over. They lied and lured back by sending me a text saying I was approved and no money down. Now I have been deceived once again by this dealership. I have XXXX and really need a vehicle as I do not walk so well and I have even owned two prior XXXX cars and have paid off the loans in full. I have the evidence of the text message dated XX/XX/XXXX from XXXX XXXX the sales person reflecting exactly what he wrote to lure me back into there dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-09 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-09 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:
he 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 2025-10-09 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:
he 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
My servicer, CrossCountry Mortgage, denied my request to remove my escrow account, claiming that the investor XXXX XXXX  requires the loan-to-value ratio to be based on the original sales price. 

This statement conflicts with XXXX XXXX published Selling Guide ( B2-1.5-04 : Escrow Accounts ), which allows lenders to waive escrow accounts at their discretion and does not require LTV to be based on the original value.

I have a current loan-to-value ratio of approximately 56 % based on an appraisal conducted by the servicer earlier this year and a perfect payment history.

The servicer refused to provide documentation supporting their claim and directed me to a generic research department email instead of answering my questions.

I am requesting that the CFPB review this servicers practices for accuracy and ensure compliance with Fannie Mae investor guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-09 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: PA

Complaint narrative:
Dear TransUnion 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 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 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