vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: GA

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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint because EXPERIAN continues to report inaccurate personal information on my consumer file, despite my previous request and the supporting legal documents I already provided. This is my second request for correction.

1. Incorrect Name Being Reported Incorrect Name : XXXX XXXX XXXX This name does not belong to me and is being inaccurately reported as part of my personal identifying information. I have already submitted my legal documents as evidence of my correct name.

Under 15 U.S.C. 1681e ( b ) Compliance Procedures for Maximum Possible Accuracy, the furnisher is required to maintain and follow reasonable procedures to assure the maximum accuracy of the information they report. Continuing to report an incorrect name violates these requirements and my consumer rights.

2. Incorrect Address Being Reported Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, OH, XXXX This address is not mine and should not be associated with my consumer file. I have provided proper documentation proving my correct address. 
This also violates 15 U.S.C. 1681e ( b ) because the creditor is failing to maintain accurate, verified identifying information before furnishing it to the consumer reporting agencies.

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 2025-11-14 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: VA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I tried to do a wire to a Bank of America recipient of {$10000.00}. I put the correct bank routing number and account number. Bank of America sent the wire back to me minus {$45.00} but wouldnt refund the fee nor tell me what it is for. All that I am seeking is a refund of that {$45.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-14 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:
Ensure all disputed accounts are deleted within the time limits set by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 am disputing the information listed on my Experian credit report. The following inquiries and late payments are being disputed as they do not accurately reflect my credit history. I request a full review and correction where necessary. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/year> Positive Accounts : No positive accounts to dispute at this time. 

Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Late payment history )

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 2025-11-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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 2025-11-14 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

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 2025-11-14 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my Equifax credit report. Below are the details of the accounts in question : Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXnquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payment : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
XXXX XXXX XXXX. DATE XX/XX/year> AMOUNT {$1400.00} I REQUEST FOR DOCUMENT AND OR CONTRACT THAT HAVE BEING SIGNED BY ME AND ANY PROVE THAT ME AND THIS COMPANY HAD ANY AGGREMENT WITH ANY SERVICES THEY PROVIDED. 

Re : Demand for Compliance With Federal Consumer Protection Laws ( 15 U.S.C. 6802, 15 U.S.C. 1681b, 18 U.S.C. 1028A ) To Whom It May Concern : I am writing to formally notify your agencies that I require immediate compliance with federal consumer protection laws regarding the collection, use, disclosure, and verification of my personal information. This letter serves as an official demand under the following statutes : 1. 15 U.S.C. 6802 Privacy Requirements ( GrammLeachBliley Act ) Under this statute, financial institutions and related entities are prohibited from disclosing or using a consumers non-public personal information without proper authorization, notice, and safeguards. 
I hereby request disclosure of any and all entities to whom you have furnished, shared, or otherwise distributed my personal identifying information and the lawful basis for doing so.

2. 15 U.S.C. 1681b Permissible Purposes of Consumer Reports ( FCRA ) Under the Fair Credit Reporting Act, a consumer reporting agency may only furnish a credit report for specific, legally permissible purposes.

I demand a full list of all parties that have obtained my consumer report, along with the permissible purpose you used to justify each disclosure.

If any access to my report was not supported by a legally valid permissible purpose, you must immediately : Remove any resulting inquiries or data, Block any unauthorized accounts or information, Provide written confirmation of these actions.

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 2025-11-14 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: NY

Complaint narrative:
XXXX XXXX XXXX. DATE XX/XX/year> AMOUNT {$1400.00} I REQUEST FOR DOCUMENT AND OR CONTRACT THAT HAVE BEING SIGNED BY ME AND ANY PROVE THAT ME AND THIS COMPANY HAD ANY AGGREMENT WITH ANY SERVICES THEY PROVIDED. 

Re : Demand for Compliance With Federal Consumer Protection Laws ( 15 U.S.C. 6802, 15 U.S.C. 1681b, 18 U.S.C. 1028A ) To Whom It May Concern : I am writing to formally notify your agencies that I require immediate compliance with federal consumer protection laws regarding the collection, use, disclosure, and verification of my personal information. This letter serves as an official demand under the following statutes : 1. 15 U.S.C. 6802 Privacy Requirements ( GrammLeachBliley Act ) Under this statute, financial institutions and related entities are prohibited from disclosing or using a consumers non-public personal information without proper authorization, notice, and safeguards. 
I hereby request disclosure of any and all entities to whom you have furnished, shared, or otherwise distributed my personal identifying information and the lawful basis for doing so.

2. 15 U.S.C. 1681b Permissible Purposes of Consumer Reports ( FCRA ) Under the Fair Credit Reporting Act, a consumer reporting agency may only furnish a credit report for specific, legally permissible purposes.

I demand a full list of all parties that have obtained my consumer report, along with the permissible purpose you used to justify each disclosure.

If any access to my report was not supported by a legally valid permissible purpose, you must immediately : Remove any resulting inquiries or data, Block any unauthorized accounts or information, Provide written confirmation of these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I requested full accounting for both my XXXX Honda XXXX XXXX lease and my XXXX Honda XXXX XXXX lease. I asked for documentation showing how my down payment, rebates, trade-in value, fees, and capitalized costs were applied. I requested clarification of all discrepancies in the payoff amounts, statements, and dealer-reported numbers.

I sent two certified letters to Honda Financial Services asking for a complete accounting of both leases, including how my {$4000.00} XXXX down payment ( paid on XX/XX/XXXX ), my {$7500.00} manufacturer rebate, and my XXXX XXXX trade-in value were applied. Both letters were signed for and received, and I did not receive any response. 

Hondas payment history shows the {$7500.00} rebate being credited and then reversed internally, which prevented it from reducing my cost. My {$4000.00} down payment does not appear anywhere in the accounting. The XXXX contract also shows my XXXX trade-in valued at {$32000.00} with a payoff listed at {$32000.00}, resulting in a net trade-in value of {$0.00}. This does not match the condition or value of the vehicle and does not reflect my down payment, rebate, or year of payments. 

The XXXX lease includes inflated contract figures, including a gross capitalized cost of {$40000.00} and multiple add-on products I did not request. My monthly payment is {$720.00} despite strong credit and perfect payment history. I am requesting that Honda Financial Services review both leases, provide full accounting, explain the discrepancies, and correct the records

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
The consumer reporting agency LexisNexis is including an inaccurate " Improper or Illegal Passing '' violation on my driving record that is provided to insurance companies. 

This is incorrect. The official court disposition from XX/XX/year>, shows my only violation from an incident on XX/XX/year>, was for " Disregard Traffic Lane, '' which carried XXXX points. My official state driving record confirms no violations exist. 

Due to this error, my auto insurance premiums have been inflated by approximately 28 %. This has resulted in overcharges totaling hundreds of dollars since XX/XX/year>. On XX/XX/year>, I attempted to resolve this by calling LexisNexis but was unable to reach a representative after waiting on hold for over twenty minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my credit report that I believe are inaccurately reported. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit file. I am requesting that these accounts be reviewed, and if they can not be verified as correct, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief