vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
XXXX for Misleading Pricing and Credit Inquiry Dear Team, I am writing to file a complaint regarding a recent car-buying experience with XXXX  XXXX XXXX XXXX XXXX XXXX 

I was quoted a price of {$33000.00} by salesperson. After providing my Social Security Number and signing a credit pull authorization, they ran my credit. Following this, the dealership increased the price to {$34000.00} without my consent. 

I did not sign any purchase or loan agreement. I have a witness and handwritten documentation supporting the original price. When I raised concerns, the Sales Manager refused to honor the original price and insisted on the higher amount.

I believe this may constitute deceptive and unfair business practices. I request your offices assistance in investigating this matter and protecting consumers from similar treatment. 

Please let me know if you require any additional information or documentation. 

Thank you for your time and attention. 

Sincerely,

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 2025-05-29 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: AZ

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 2025-05-29 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue XXXX  and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX XXXX regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: UT

Complaint narrative:
I sent a formal debt validation request to Credit Control , LLC on XX/XX/year>, regarding an alleged debt to XXXX XXXX. ( Ref # XXXX ). I requested a copy of the original signed agreement and proof of ownership. I followed up on XX/XX/year>, after receiving only billing statements, which do not satisfy FDCPA validation requirements. I requested they cease all collection activity and credit reporting unless full validation is provided, but I have not received the required documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I am filing this complaint due to repeated failures by the credit reporting agency to properly investigate and verify disputed accounts on my credit file. Despite submitting multiple disputes, including my most recent on XX/XX/XXXX, the accounts listed below remain inaccurately reported, with no supporting documentation or proper method of verification provided. 

This complaint represents my final attempt to resolve these inaccuracies prior to escalation through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Alabama Attorney Generals Office. 

Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to Comply with the FCRA Although the credit reporting agency has claimed these accounts were verified, they have not provided the following, as required by 15 U.S.C. 1681i ( a ) ( 7 ) : A detailed method of verification The name and contact information of each data furnisher Documentation relied upon to verify the disputed information This constitutes a clear violation of : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and good-faith reinvestigation Demands I am requesting that the credit reporting agency : Conduct a full reinvestigation of the listed accounts Provide written verification methods, including the procedures followed and all documentation used Delete any unverifiable or inaccurate items Issue a new and corrected copy of my credit report reflecting the updates Deadline for Resolution This matter must be fully resolved by XX/XX/XXXX. If not, I will proceed with formal complaints to the CFPB, FTC, and the Alabama Attorney Generals Office, and may pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) for failure to comply with federal law. 

This is your final opportunity to resolve this dispute before escalation. 

Sincerely, 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 2025-05-29 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: GA

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 XXXX USC XXXX. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX U.S.C. XXXXs-2 ( 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I have a XXXX XXXX XXXX check for my XXXXXXXX XXXX XXXX XXXX with PNC Bank name included on the check. The amount is {$33000.00} for other structures, XXXX, fence, and carport. PNC refuse to endorse my XXXX XXXXXXXX XXXX  check because of another claim check I had endorsed by them for {$18000.00} ; thus, totaling over {$40000.00} accumlative. I understand the " {$40000.00} rule '' on a my dwelling financed by PNC Mortgage. If that amount of damage was done on the dwelling ( house ) financed. PNC would want to make sure repaires are done. However, the {$33000.00} consists on property I paid out-of-pocket for..... My XXXX fence, and carport were property I added to my property after financed by PNC mortgage. The XXXXXXXX XXXX # is the same for both checks. I do have a contract with XXXXXXXX XXXX XXXX XXXX XXXX  to place siding on my house, and a new roof. I just would like for my {$33000.00} to be endorsed by PNC bank, so I can direct deposit in my account so I can do my home repairs under my guidance. Especially, because the claim check is for property I paid for myself AFTER financing my house out of my own money none financed. I do NOT want to be escrowed for a XXXX I had recently spent over {$40000.00} of my own money building. I currently have over {$300000.00} equity in my property, and current on my loan. I continuing adding to invested value to my financed property such as a inground pool, rock fence being built, presently. If the {$33000.00} claim check was added to my home damage I would not have a problem with PNC mortgage holding check, and escrowing the money out. Thus, assuring repairs are done on original financed property. However, the claim check is Not for property I went into signed agreement with PNC mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
This complaint serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence.

In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-29 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:
Dear Sir/Madam, I am writing to file a complaint against TransUnion regarding the removal of an account on my credit report. The account in question has not been properly verified, and the reinvestigation conducted by TransUnion was incomplete. This is a violation of the Fair Credit Reporting Act, specifically under Section 611. 
Date of Initial Dispute : XX/XX/year> Account Information : Creditor Name : XXXX  XXXX XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Description of Issue : account inaccurately I have previously disputed the accuracy of this account with TransUnion, and despite their obligation to conduct a thorough reinvestigation, they have failed to provide adequateverification and continue to report this account inaccurately. This has caused significant harm to my creditworthiness and financial standing. 
I kindly request that the CFPB investigate this matter, hold TransUnion accountable for their non-compliance with the law, and ensure that this account is either verified properly or removed from my credit report. 
Thank you for your attention to this matter. Please let me know if you require any further information from me. 
Sincerely, 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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX  I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$720.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
closed accounts from XXXX XXXX XXXX ending in XXXX, XXXX, XXXX and XXXX  XXXX XXXX were fraudulently added to my equifax and experian credit reports. i did not open or authorize this accounts, and it is a result of identity theft. i have submiited a dispute to experian and equifax along with an ftc identity theft report and a copy of my govt ID but they have failed to remove or block the accounts as required under the fair credit reporting act ( FCRA ).

according to the FCRA, i am entitled to have fraudulent information removed when i provide proper documentation, which i did. this accounts are negatively impacting my credit and i am requesting CFPBs assistance in having it removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>

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 2025-05-29 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX XXXXe ) 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am filing a formal complaint against debt collector XXXX XXXX, who operates under Kimball , Tirey & St. John LLP. On XX/XX/year>, XXXX XXXX XXXX issued a collection letter attempting to collect a debt in the amount of {$27000.00}. She attributed this amount to a prior rental obligation under XXXX XXXX XXXX, also known as XXXX XXXX XXXX. 

This collection is being pursued based on a UD-110 unlawful detainer judgment, which was issued by the Orange County Superior Court ( Case No. XXXX ). However, this court judgment was for possession only, not for monetary damages. This is explicitly stated on the judgment form itself. 

Despite this, XXXX XXXX XXXX and Kimball , Tirey & St. John LLP have used that possession-only judgment to falsely represent the debt as court-ordered and have reported it to major credit bureaus as a valid legal obligation. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692e ), which prohibits false, deceptive, or misleading representations in connection with the collection of any debt.

Additionally, the California Department of Real Estate ( DRE ) issued a letter on XX/XX/year>, confirming that : No monetary judgment was entered in the case Service of process was improperly executed The collection ledger provided by Kimball , Tirey & St. John LLP further admits that this is a " non-judgment '' debt, meaning it was never adjudicated in court. Yet, XXXX XXXX XXXX is actively misrepresenting it as if it were. 

This debt has caused significant harm to my financial record. It was reported to all three major credit bureaus, and only TransUnion has removed the tradeline following my dispute and submission of supporting evidence. 

Supporting Documentation to Be Uploaded : XX/XX/year> collection letter from XXXX XXXX UD-110 court judgment ( showing possession only ) California DRE letter dated XX/XX/year> Screenshot of TransUnion tradeline removal

Company response to consumer: Closed with explanation