vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and XXXX XXXX TransUnion for Fraudulent Hard Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request an investigation into fraudulent hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized by me and have negatively affected my credit profile and score.

Despite contacting TransUnion directly to dispute these inquiries, the issue has not been properly resolved. TransUnion has failed to remove or verify the legitimacy of the accounts in question, in violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and verifiable information. 

Below are the details of the disputed inquiries : Creditor Name 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 DC 03/2025 6 ) CPS 03/2025 7 ) VADEN CHRYSL 03/2025 Credit Bureau Involved : TransUnion I did not authorize these inquiries, nor did I apply for credit with any of these companies. These inquiries are therefore fraudulent and damaging to my credit. I am requesting that the CFPB investigate TransUnions handling of my dispute and ensure that these unauthorized inquiries are permanently removed from my credit file.

Attached are the following documents for verification : A copy of my government-issued ID A recent utility bill or bank statement showing proof of address Please confirm receipt of this complaint and provide updates regarding the progress of the investigation. I appreciate your time and assistance in ensuring my credit report reflects only accurate and authorized information. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint and XXXX XXXX TransUnion for Fraudulent Hard Inquiries Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and request an investigation into fraudulent hard inquiries that appear on my TransUnion credit report. These inquiries were not authorized by me and have negatively affected my credit profile and score.

Despite contacting TransUnion directly to dispute these inquiries, the issue has not been properly resolved. TransUnion has failed to remove or verify the legitimacy of the accounts in question, in violation of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and verifiable information. 

Below are the details of the disputed inquiries : Creditor Name 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 DC 03/2025 6 ) CPS 03/2025 7 ) VADEN CHRYSL 03/2025 Credit Bureau Involved : TransUnion I did not authorize these inquiries, nor did I apply for credit with any of these companies. These inquiries are therefore fraudulent and damaging to my credit. I am requesting that the CFPB investigate TransUnions handling of my dispute and ensure that these unauthorized inquiries are permanently removed from my credit file.

Attached are the following documents for verification : A copy of my government-issued ID A recent utility bill or bank statement showing proof of address Please confirm receipt of this complaint and provide updates regarding the progress of the investigation. I appreciate your time and assistance in ensuring my credit report reflects only accurate and authorized information. 

Thank you for your attention to this urgent matter.

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 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened a Checking business account in TD bank on XXXX, they said you have to maintain XXXX $ in account if you wouldnt maintain the balance we would charge XXXX $ fee, I tried to maintain a balance sometimes I wouldnt be able to maintain and they charge me XXXX $ fee which is fine, suddenly I noticed I maintained the balance XXXX $ and they still charged me XXXX $ fee, I call them and said I am maintaining the balance last XXXX to 5 months and you guys still charge me XXXX $ fee, why? they said we changed our policy now you have a maintain XXXX XXXX I said when did you change your policy? even you guys didnt let me know, they said ok Ill try to refund you XXXX $ for XXXX, but I cant refund you the previous months, they just refund me XXXX $ for XX/XX/XXXX after putting me hold 5 to 7 times,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report. Even after your investigation. I would like this item immediately RE-IVESTIGATED. The inaccuracies are highly injurious to my credit score. TransUnion : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, Please provide the names and business addresses of each individual with whom you verified the account, So that i may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
" I am filing a complaint against [ Equifax/Experian/TransUnion ] for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ). I request that the CFPB take action to ensure Equifax complies with federal law and provides the necessary proof of investigation. The accounts that need attention are XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXX  and 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 2025-11-08 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
" I am filing a complaint against [ Equifax/Experian/TransUnion ] for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ). I request that the CFPB take action to ensure Equifax complies with federal law and provides the necessary proof of investigation. The accounts that need attention are XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXX  and 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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Unauthorized Items Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am formally disputing the accuracy and validity of certain information currently listed on my TransUnion credit file. 

The following accounts and inquiries are reported inaccurately, unverifiable, or unauthorized and should be reinvestigated or deleted under FCRA 1681i ( Reinvestigation of Disputed Information ) and 1681b ( Permissible Purpose of Consumer Reports ) : 1. Unauthorized Hard Inquiries As previously stated in my XX/XX/XXXX dispute letter, I am disputing the following inquiries as unauthorized : - 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 XXXXXXXX XXXX XXXX. XXXX, XXXX and other inquiries listed in my original dispute letter. 

These inquiries were not authorized by me and therefore violate FCRA 1681b ( f ). I request verification of permissible purpose or deletion of these inquiries.

2. Potentially Inaccurate Negative Accounts Based on my TransUnion credit report, the following accounts appear to contain inaccurate or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Reporting XXXX late as of XX/XX/XXXX. Please verify payment history and date of delinquency. 
- XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Closed XX/XX/XXXX ) : Shows XXXX and XXXX late payments after closure. 
- XXXX XXXX XXXX Account XXXXXXXX XXXX  : Negative late payment record with {$0.00} balance. Verify correct reporting. 
- Multiple XXXX  accounts : Appear duplicated or misreported. Please confirm accuracy and remove any errors. 
Requested Action Under FCRA 1681i, I am requesting a full reinvestigation of these disputed items. If the information can not be verified as accurate within 30 days, it must be promptly deleted or corrected. 

Please provide : - Written confirmation of reinvestigation results- Updated credit report reflecting deletions or corrections - Names and addresses of each entity that verified the disputed information ( per 1681i ( a ) ( 6 ) ( B ) ( iii ) )

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 2025-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc.
State: WA

Complaint narrative:
I got a loan to pay for XXXX XXXX XXXX XXXX XXXXXXXX in XXXX and as of XX/XX/year> that school has since been shut down and therefore I am not receiving the XXXX  promised. 

I have reached out to both the XXXX  and lender for a refund. The XXXX  is unresponsive and lender says they can not do anything with unless the school refunds them. 

I am looking for help with getting a full refund as I was not given the time to learn anything that could help me move forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Finance LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, my vehicle was removed from my residence in what was represented as a repossession. I did not receive any legally required notices before or after the taking including no notice of default, no intent to repossess, no seizure notice, no inventory of contents, no right-to-redeem letter, and no notice of sale. 

When I contacted the repossession company, the tow operator said the lienholder was a company called XXXX XXXX. This company does not exist. My actual lienholder is a different company. The repossession was carried out using a false or nonexistent forwarding company, meaning the taking was not legally authorized. 

On a recorded call, the lienholder admitted that : They used a forwarding company that is defunct and had to XXXX their contact number. 
They never sent any required repossession notices. 
They could not provide a chain of custody or authorization documents. 
All personal property left in the vehicle was disposed of. 

The disposal of my property without notice or inventory violates repossession law and UCC Article 9. 

Months later, I received a deficiency letter claiming the vehicle was sold for {$1700.00}, with added fees such as auction fees, XXXX fees, and repossession fees. This letter was the first written notice I ever received. The lienholder also reported multiple Profit & Loss write-offs, multiple charge-offs, and changing balances on my credit report, which appear to be inaccurate and re-aged. 

I contacted both the repossession company and the lienholder multiple times to request : Repossession documents Authorization paperwork Copies of all required notices Inventory of my property Identity of the forwarding company Explanation of the deficiency Correction of credit reporting Neither company provided any of this information. 

This situation involves : An unauthorized and fraudulent repossession Use of a non-existent forwarding company Destruction of personal property A fabricated deficiency balance False or inconsistent credit reporting entries Lack of all required notices Continued collection after charge-off I am requesting CFPB assistance to require the companies to : ( 1 ) Provide all repossession documentation, ( 2 ) Correct all credit reporting, ( 3 ) Explain the use of a fake forwarding company, ( 4 ) Account for the disposal of my property, ( 5 ) Address the unlawful repossession and deficiency. 

XXXX XXXX XX/XX/XXXX American Finance reports account charged off. ( credit report evidence ) XX/XX/XXXX Vehicle repossessed in XXXX  by XXXX Second Recovery ( agent said XXXX XXXX XXXX ordered repo ). No notices were provided. 

XX/XX/XXXX XX/XX/XXXX Multiple profit/loss write-off entries and conflicting account statuses were reported on my credit file. 

XX/XX/XXXX Vehicle sold at XXXX XXXX ( sale evidence ). 

XX/XX/XXXX XXXX XXXX sent deficiency letter demanding $ [ XXXX ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
Please accept this complaint that Regional Finance has violated the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( b ), by failing to conduct a proper reinvestigation and continuing to furnish inaccurate and incomplete information to TransUnion. 

On XX/XX/XXXX, I disputed the completeness and accuracy of the XXXX XXXX account reporting with TransUnion. The investigation was completed on XX/XX/XXXX. Upon reviewing the investigation results and updated credit report, the following inaccuracies and inconsistencies remain : ( XXXX ) XXXX XXXX failed to note the account as a consumer dispute after receiving a valid dispute through TransUnion. This omission violates FCRA XXXX ( a ) ( XXXX ), which requires furnishers to indicate when an account is being disputed by the consumer. 

( XXXX ) The date updated does not coincide with the time frame of the investigation. TransUnion shows that the account was last updated on XX/XX/XXXX, which predates both the XX/XX/XXXX dispute and the XX/XX/XXXX completion. This reflects a failure to properly verify and update the information in compliance with FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). 

( XXXX ) The last payment made does not coincide with the payment history. XXXX XXXX furnished that the last payment date was XX/XX/XXXX. However, the payment history shows the last payment was made on XX/XX/XXXX, with XXXX through XX/XX/XXXX marked as unknown. This inconsistency violates FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing information known or that should be known to be inaccurate. 

( XXXX ) The date closed does not coincide with the payment history. XXXX XXXX reported the account as closed on XX/XX/XXXX, but the payment history shows no record for XX/XX/XXXX and reflects unknown payment information from XXXX through XX/XX/XXXX. Furnishing a closure date without verification violates FCRA XXXX ( a ) ( XXXX ) and XXXX ( b ), which require furnishers to ensure the maximum possible accuracy of information reported to consumer reporting agencies. 

XXXX Finances continued failure to provide accurate updates and proper verification after a consumer dispute demonstrates noncompliance with the Fair Credit Reporting Act.

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 2025-11-08 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase continues to let fraudulent XXXX charges hit my account. They reimbursed me for the charges, but then they took the money back and said it wasnt fraud. It absolutely is fraud, and now my account is negative. I keep having this happen with them and they just wont protect my account. I have called them several times. I have also called XXXX and XXXX, and they both say its Chases final decision. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
I am filing this formal complaint regarding several inaccurate and unverified items being reported on my credit file by multiple furnishers and credit bureaus. These inaccuracies are causing harm to my credit reputation and financial standing. 

Below are the specific issues : 1. Wrong Addresses Reported : XXXX XXXXXXXX XXXXXXXX PL, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, NC XXXX I have no connection, residency, or association with these addresses. Their continued presence on my credit file is a serious breach of data accuracy and security. These false addresses suggest possible identity confusion or misreporting, and I am demanding immediate deletion of these from all of my credit files. 

XXXX. Late Payment Accounts Reported Incorrectly : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, High Credit : {$470.00}, Date Opened : XX/XX/XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX, High Credit : {$520.00}, Date Opened : XX/XX/XXXX Both of these accounts are being inaccurately reported with late payments, which is completely false. I have never made a late payment on either of these accounts. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 623, furnishers are required to ensure maximum possible accuracy. I demand immediate correction of the payment history to reflect an on-time status and full reinvestigation by the credit bureaus. 

3. Unverified and Unauthorized Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and I have no business relationship with these entities. Under FCRA 604 ( a ) ( XXXX ), inquiries require permissible purpose and my consent. These inquiries are unverified and unauthorized, and I am demanding their removal from all credit bureau reports immediately. 

I have previously attempted to resolve these matters directly with the credit bureaus and furnishers, but the issues remain unresolved. Therefore, I am seeking the CFPBs assistance to ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and immediate correction and/or deletion of the disputed information. 

I respectfully request that the CFPB require : The deletion of all wrong addresses listed above. 

The correction of all false late payment records for the XXXX XXXX XXXX  accounts . 

The removal of the unauthorized inquiries from XXXX XXXX and XXXX. 

Please confirm receipt of this complaint and provide me with updates regarding the investigation and corrective actions taken by the credit bureaus and furnishers. 

Thank you for your time and for upholding consumers rights to accurate and fair credit 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