vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM ISSUING THIS FORMAL AND FINAL DEMAND FOR THE IMMEDIATE DELETION OF ALL INACCURATE, UNAUTHORIZED, AND DAMAGING ACCOUNTS, INQUIRIES, AND PUBLIC RECORDS FROM MY CREDIT FILE. THESE ITEMS ARE BEING REPORTED IN DIRECT VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ). UNDER FCRA 605B, 607 ( B ), AND 611 ( A ), YOU ARE LEGALLY OBLIGATED TO MAINTAIN MAXIMUM POSSIBLE ACCURACY AND DELETE ANY UNVERIFIABLE OR ERRONEOUS INFORMATION WITHIN FOUR ( 4 ) BUSINESS DAYS OF RECEIVING THIS NOTICE. ANY DELAY, NEGLIGENCE, OR CONTINUED REPORTING OF FALSE INFORMATION WILL BE CONSIDERED WILLFUL NONCOMPLIANCE AND A BLATANT VIOLATION OF FEDERAL LAW. BE ADVISED THAT I WILL PURSUE LEGAL ACTION UNDER FCRA 616 AND 617 FOR STATUTORY, ACTUAL, AND PUNITIVE DAMAGES. THIS IS YOUR FINAL WARNING DELETE ALL INACCURATE AND UNVERIFIABLE DATA IMMEDIATELY OR FACE LEGAL CONSEQUENCES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Inquiry on report with company XXXX  I did not make or apply

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Via Certified Mail, Return Receipt Requested To : Equifax Information Services LLC, XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ________________________________________ Re : Fraudulent Account ( XXXX ) Formal Dispute Under FCRA To Whom It May Concern, This is a formal dispute regarding inaccurate and fraudulent information appearing on my credit report. The account ( s ) listed below do not belong to me and must be deleted immediately : Creditor Name / Account Number : XXXX I invoke my rights under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : You are required to conduct a proper reinvestigation within 30 days.

15 U.S.C. 1681s-2 ( a ) : Information furnishers are prohibited from reporting data known to be inaccurate.

15 U.S.C. 1681c-2 : Consumers have the right to block fraudulent information resulting from identity theft. 
Failure to properly investigate and remove this account will constitute willful noncompliance, for which I will pursue damages under 15 U.S.C. 1681n and 1681o. 
________________________________________ My Demands 1. Immediate deletion of the fraudulent account ( s ).

2. Written confirmation of removal within 30 days.

3. Updated credit reports sent to me upon completion. 
Enclosed are supporting documents ( copy of ID, proof of address, and [ FTC Identity Theft Report or police report, if applicable ] ). 
If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, in addition to pursuing civil litigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Today XXXX at XXXX I walked in pnc bank at XXXX XXXX XXXX to cash a check. When I walked in nobody greeted me a XXXX lady was behind the teller she said nothing to me. A XXXX man finally said you need help you need to cash a check I said yes. The XXXX man left me standing there after XXXX minutes he went and looked into a window for another man who was also with a customer. I was left standing for XXXX minutes finally XXXX the branch XXXX came out talking with the customer XXXX did not acknowledge me XXXX got done with the customer and went into where the teller was he went start working XXXX XXXX through XXXX still standing there. XXXX said to me you here to cash a check theres gon na be a fee. I stated to XXXX why when this is the company check XXXX states thats the company policy. I asked XXXX how much was the fee XXXX stated whatever how much the check is. XXXX charged XXXX XXXX to cash the check. I stated to XXXX that they all are being rude. XXXX states XXXX being nice as I can. I feel XXXX and his branch have left me feeling discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX with balance of {$400.00}, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX with balance of {$1000.00}, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX * * * * with balance of {$600.00}, and a Personal loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under Account number XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$1200.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.

Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 2025-10-28 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: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I was trying to buy a house and I realize I had damage on my credit report, according to 15 u.s.c 1681 law there should not be damages on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: AR

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This entry is inaccurate as it does not belong to me and was reported in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: ME

Complaint narrative:
I am writing to formally dispute several unauthorized and/or duplicate hard inquiries that appear on my TransUnion credit report dated XX/XX/year>. I did not grant authorization for multiple lenders to pull my credit, nor did I directly apply for separate auto loans or credit cards with each of the companies listed below. These inquiries are damaging my credit profile and must be investigated and deleted in accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ).

Please verify the permissible purpose for each inquiry below. If any of the companies can not provide documented proof that I authorized their inquiry, I request immediate removal of those entries from my credit file.

List of Disputed Hard Inquiries Date Creditor / Company Type XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that under the FCRA, every inquiry must have a documented permissible purpose initiated by the consumer. I only authorized one lender to run my credit during a car financing process, and I did not authorize multiple inquiries on the same date by separate institutions.

Please investigate these inquiries and delete any that are unauthorized, unverified, or duplicative. Kindly send me written confirmation of your investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
This is a formal request under FCRA 611 ( a ) for reinvestigation and deletion of the following inaccurate and unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Charged Off / inconsistent payment record ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( duplicate and unverifiable ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple versions of same debt ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( no consumer consent for update ; data integrity failure ) These accounts exhibit systemic Metro-2 non-compliance and constitute violations under FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 616617. If verification can not be proven with original creditor documentation, delete 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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have a new home mortgage with Mr. Cooper. Recently, my escrow payment was recalculated to more than {$2600.00} per month due to what appears to be an error in how my property taxes were calculated.

My home is newly built. In XXXX, I paid the full amount of my XXXX property taxes, which was a single full-year bill ( not split into first-half and second-half payments, as it is usually done for existing homes ). In early XXXX, I also paid most of my XXXX property taxes. However, Mr. Coopers system combined both payments and treated them as if they were for the same tax year. As a result, the system incorrectly assumed that my property taxes doubled and created a large escrow shortage, which significantly increased my monthly escrow payment.

I contacted Mr. Coopers escrow department multiple times by phone and email. I also sent several detailed emails ( with all supporting documents attached ) including the XXXX full-year tax bill and receipt and the XXXX partial-year tax bill and receipt, exactly as they requested.

Despite this, I was repeatedly told that their system showed no error and that they could not make any manual correction. This is unreasonable because my escrow account already has sufficient funds to cover an entire year of property taxes, yet they are still requiring me to pay additional money every month.

Due to the financial pressure caused by this mistake and Mr. Coopers refusal to correct it, I had no choice but to request the removal of my escrow account so I can manage property taxes and insurance payments on my own.

This situation has caused unnecessary financial hardship, and Mr. Cooper has refused to provide any reasonable solution despite clear evidence that their calculation is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
XXXXXXXX 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 RE : Cease and Desist / Account Termination and Status Demand To Whom It May Concern : This correspondence serves as a formal notice and demand that Harley-Davidson Financial Services immediately cease and desist all communications, billing, reporting, or collection activity related to the above-referenced account ( s ).

According to my current credit report, Harley-Davidson Financial Services remains listed as the owner and furnisher of this account. No Form 1099-C has ever been issued to me, which would be required if the account were charged off or canceled. Therefore, you are obligated either to confirm in writing that the account remains active or to issue the required IRS Form 1099-C and cease all further collection and reporting if it has been charged off.

You are further instructed to revoke any and all third-party authorizations, including the involvement of XXXXXXXX XXXX XXXXXXXX , which has attempted to collect on your behalf despite your continued ownership of this account. Any such third-party activity absent proper assignment and disclosure is unauthorized and unlawful.

Effective immediately, I hereby terminate and close this account in full, revoke consent to contact me by any medium, and demand deletion of all records and trade lines related to this account from every credit bureau and database under your control.

Failure to comply will constitute willful harassment and interference with private affairs and may be documented for future legal action. Please provide written confirmation within ten ( 10 ) days that the account has been permanently closed, that no third parties are authorized to act on your behalf, and that the account will no longer appear on any consumer report.

Respectfully, All Rights Reserved UCC 1-308 Without Prejudice XXXX XXXX XXXX XXXX XXXXXXXX Private American National

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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