vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2025 XXXX XXXX Acct # XXXX XXXX Balance {$8000.00} Subject : Formal Student Loan Dispute and Request for Documentation Under FCRA, FDCPA, and FERPA To Whom It May Concern, I am formally disputing the validity and reporting of a student loan account that appears under my name. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Family Educational Rights and Privacy Act ( FERPA ), as applicable. 

I request the following documentation to verify the legitimacy and enforceability of the alleged student loan : 1. A complete and signed copy of the Master Promissory Note ( MPN ) associated with this loan. 
XXXX. The full chain of assignment, including all transfers and sales of the account from the original lender to the current servicer or creditor, with dates and signatures. 
XXXX. Account-level documentation, including a full payment history, interest calculations, fees, and any deferments or forbearance records applied to the loan. 
XXXX. The forward flow agreement or purchase/sale agreement that governs the relationship between the originator and current servicer/owner, to determine whether you have standing to collect or report this account. 
XXXX. A copy of the authorization under FERPA allowing you to share my student information, including loan data, with any third-party debt collector or credit reporting agency. 

Until this information is provided and the debt is properly validated, I request that you : Cease all collection efforts, including phone calls and written communications. 
Cease any reporting to credit reporting agencies. 
Conduct a full investigation into the accuracy and legality of this account.

Please consider this letter a formal request for validation under 15 U.S. Code 1692g and a consumer dispute under 15 U.S. Code 1681i. 

I expect a full response within 30 days of receipt of this letter. If you are unable to provide the requested documentation, I request that the account be removed from all credit reporting agencies and that any collection activity be ceased immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
Its incredibly upsetting that an unauthorized inquiry showed up on my credit report this morning without any reason. I always check my report, and this time there were unexpected discrepancies that didnt go away, even after refreshing my browser. Im very frustrated and insist that the documents I provided be carefully reviewed right away so I wont have to worry about this anymore.

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 2025-07-09 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX Code XXXX 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 ( XXXX ) 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 2025-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: MN

Complaint narrative:
am the sole owner and occupant of the property, and Ive been actively trying to resolve my mortgage delinquency with U.S. Bank. In XX/XX/XXXX, my home was sold at sheriffs sale while I was under an active forbearance review, which I had been told was approved in XX/XX/XXXX. U.S. Bank later rescinded the foreclosure sale in XX/XX/XXXX, but did not restart the foreclosure process as required by law. Instead, they continued to treat the account as in foreclosure and billed me for fees related to that sale. 

In XX/XX/XXXX, I was approved for a Recovery Standalone Partial Claim, and then on XX/XX/XXXX, I received a letter offering a Recovery Loan Modification that combined the modification and partial claim. That letter gave me XXXX  days to return the signed modification, but just days later, I was served a notice of a foreclosure sale scheduled for XX/XX/XXXX. 

This violates federal mortgage servicing rules ( 12 C.F.R. 1024.41 ), which prohibit foreclosure while a borrower is under active loss mitigation. I am still within the timeframe to return the modification and have not defaulted on any trial plan. 

I also requested clarification on how my {$45000.00} in Homeowner Assistance Fund ( HAF ) payments were applied, and asked U.S. Bank to verify that those funds went toward principal or arrears, not to foreclosure-related fees. They have not answered. 

I have made repeated attempts by phone and in writing to get answers and to resolve this matter. U.S. Bank is pushing forward with foreclosure despite being in violation of RESPA, HUD/FHA servicing guidelines, and Minnesota foreclosure law. 

I am asking CFPB to intervene, stop the foreclosure, and force U.S. Bank to follow the law and their own modification offer.

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 2025-07-09 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: FL

Complaint narrative:
The inaccuracies on my credit report are directly obstructing my ability to achieve financial stability. Ive been repeatedly denied credit opportunities as a result of these errors, and its deeply frustrating to see my rights as a consumer being disregarded.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 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: NJ

Complaint narrative:
The companies are reporting old accounts that should no longer be on my credit and are violating several federal laws by doing so. This is illegal and should be taking care of immediately.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Harris and Harris have been sending someone who is not my family messages about my debt including my name, and my debt information and told me they are allowed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: CA

Complaint narrative:
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 you have 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 grant 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
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 you have 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 grant 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$430.00} Credit Card Opened by the Thief Company or Organization : XXXX  XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$790.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$500.00} Fraudulent Information on Credit Reports Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$29000.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
Good afternoon- US Bank makes it really difficult to do business with. After opening a savings account, the bank put a hold on it until its funded but the app, the website, Technical Support, and Customer Service cant do an internal transfer without getting a tech issue error message. So how am I supposed to fund the savings account? Sure, I can set up an external transfer but that makes no sense when theres a US Bank checking account with funds in it. 

Meanwhile, the app and website both display messages that the account needs to be funded or it will be closed. 

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing multiple late payments reported by Capital One Auto Finance. The account is currently in good standing, but the reported late payments are inaccurate, incomplete, and unverifiable. I sent a formal dispute letter requesting reinvestigation under FCRA 1681i ( a ) and 1681s-2 ( b ), asking for documentation such as original statements and notices of delinquency. I have not received any such documentation, and no correction has been made. These late payments appear across all three credit bureaus and are causing unjust harm. Some payments were not late, or were resolved prior to being XXXX  days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
In 2020, I was employed by PNC Bank and filed internal complaints about racial discrimination and microaggressions. Shortly afterward, unauthorized checks were written from my personal PNC account. I immediately informed PNC that I had no knowledge of the activity and disclosed that I suspected a former abusive partner may have accessed my account information without my consent. 

PNC conducted an internal investigation. Despite never accusing me of theft, never filing charges, and acknowledging that I was likely telling the truth, they still proceeded to terminate my employment. To this day, PNC has never provided any formal documentation or reason that my termination was for fraud or theft. However, they reported me to XXXX XXXX XXXX as having committed checking account fraud and account abuse. 

There was no financial loss to the bank only {$200.00} in fees were reversed. I believe the decision to report me to Early Warning was retaliatory and designed to protect the company from reputational harm after I raised internal complaints about discrimination. 

I believe this violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information they knew or had reasonable cause to believe was inaccurate or misleading FCRA 607 ( b ) : Failing to ensure the information reported to Early Warning was complete and accurate FCRA 623 ( a ) ( 7 ) : Failing to notify me that my account was being closed for fraud or that I would be reported As a result of this, I have faced years of denials and stigma. Although I was recently able to open accounts with XXXX  XXXX XXXX and XXXX, the fraud and abuse flags still appear on my XXXX XXXX  file and continue to harm my ability to access fair and accurate financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
I've been financing my vehicle with California Auto Finance for XXXX  years now. My interest makes little to no sense and I've paid roughly {$10000.00} on the loan. I was charged a fee that was thrown on the backend of my loan for some insurance deal that I have never heard of. The balance seems to continue to go up despite being XXXX  years into payment. I can't even get another finance company to look at me because of how upside down I am on the loan. Predatory practices and, when I'm one day late, they blow up my phone threatening to repossess. In seeking reimbursement or forgiveness on my loan because of these absurd practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX keeps illegally reporting this account on my credit report that I do not have with them. XXXX XXXX XXXX are unable to validate the debt as their own, they keep reporting they are the original creditor when in fact I have never had any accounts with them. They are illegall reporting to be the original owner of this debt and there is no proof as such. XXXX XXXX XXXX has no contract or anything with me and nothing that contains my signature that will validate this so called debt.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the XXXX XXXX  account due to multiple inaccuracies : XXXX. The delinquency timeline escalates faster than normal reporting standards. 
XXXX. The account shows a {$0.00} balance but still reflects a {$500.00} charge-off. 
XXXX. The charge-off and collection codes are duplicative and misleading XXXX. The payment history may inaccurately reflect late statuses before sufficient time had elapsed after account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: NJ

Complaint narrative:
Credit Control LLC has emailed me about a XXXX wireless account for XXXX. I have asked for them to not contact me and they still have decided to email me. My rights have been violated under the telephone consumer 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 explanation