vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 explanation
Consumer complaint received 2025-07-29 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted 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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AMERIS BANCORP
State: FL

Complaint narrative:
Subject : Improper Denial of PMI Cancellation Ameris Bank ) I am submitting this complaint because Ameris Bank has repeatedly and improperly denied my request to cancel Private Mortgage Insurance ( PMI ), despite my full compliance with federal requirements under the Homeowners Protection Act ( HPA ) of 1998.

Background : I have owned my home since XX/XX/XXXX, and have never missed or been late on a mortgage payment. 
In XX/XX/XXXX, I requested PMI cancellation and paid for a new appraisal through Ameris approved channel. 
The home appraised at {$430000.00}, exceeding the {$420000.00} value they had previously stated would meet their removal conditions.

This brings my loan-to-value ( LTV ) ratio under 80 %, qualifying me for cancellation under the HPA. 

The Problem : Ameris is denying my PMI cancellation on the basis that the increase in property value was not due to substantial improvements.

However, under the HPA, once a borrower has held the loan for more than XXXX years, the requirement for substantial improvements no longer applies. 
I have now had the loan for over XXXX  years and XXXX  months. 
Ameris is also inconsistently applying new thresholds now claiming that my loan-to-current-value ( LTCV ) must be below 75 %, a requirement that was never part of the original terms or HPA standards. 
They have further asked for additional appraisal comparables, despite the appraisal already providing XXXX ( well above standard ). 

Why XXXX Filing : Ameris is : Misapplying federal law by continuing to require substantial improvements Changing PMI removal thresholds after the fact Denying a valid cancellation request that meets all legal conditions Causing financial and emotional distress due to prolonged, unjustified delays This has been ongoing since XX/XX/XXXX almost 5 months and despite multiple written attempts to resolve this directly, Ameris refuses to comply. 

Resolution Requested : Immediate cancellation of PMI on my loan Refund of improperly charged PMI premiums A review of Ameris Banks PMI servicing practices for compliance with HPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I discovered multiple negative items that are inaccurate, outdated, or being reported without proper validation. Several accounts, including those from XXXX, XXXX XXXX  XXXX, XXXX XXXX, and XXXX, are showing derogatory remarks such as late payments and charge-offs that I do not recognize or were never communicated to me. These entries have not been properly verified by the furnishers, and in some cases, the payment history and balances are inconsistent with my records. Additionally, I found two hard inquiriesone from XXXX XXXX  on XX/XX/year>, and another from XXXX XXXX on XX/XX/XXXX, XXXX were made without my knowledge or consent. I never authorized those inquiries, and no permissible purpose was ever established. There are also multiple incorrect name variations and outdated addresses listed under my personal information, which can create confusion and lead to the reporting of inaccurate data. I am requesting a full investigation and removal of these items if the reporting parties can not provide documented proof of accuracy, authorization, or timely notice, as required by the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am writing in response to a letter/phone call received regarding a debt you claim I owe. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following information : The name of the original creditor ; The original amount of the debt ; An itemized statement of how the amount was calculated ; Proof that you are authorized to collect this debt ; A copy of the original signed agreement ( if applicable ). 

Until you provide this information, please cease all collection activities, including reporting this debt to credit bureaus. 

This letter is not a refusal to pay, but a request for validation. If you can not provide the requested information, please remove this alleged debt from your records and cease further communication. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing the personal information section of my credit report, I noticed that there were several outdated and or incorrect personal information being reported. Please see to it that the following personal information is removed from my credit report due to being outdated or incorrect. I have listed the information below : Remove the following address : XXXX XXXX XXXX XXXX TX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Remove the incorrect spelling of my Employer 's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Spelling of my Employer 's Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Upon reviewing the personal information section of my credit report, I noticed that there were several outdated and or incorrect personal information being reported. Please see to it that the following personal information is removed from my credit report due to being outdated or incorrect. I have listed the information below : Remove the following address : XXXX XXXX XXXX XXXX TX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX Remove the incorrect spelling of my Employer 's Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Correct Spelling of my Employer 's Name 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 2025-07-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX RE : Formal Complaint Against Equifax for Reporting Inaccurate XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Equifax for reporting an inaccurate and unverifiable collection account from XXXX. 

The account details are as follows : Original Creditor : XXXX Account Number : XXXX Reported Balance : {$960.00} Date Opened : XX/XX/XXXX Reported as Unpaid/Collection in XX/XX/XXXX This account is being reported as a collection account, opened XX/XX/XXXX. However, todays date is XX/XX/XXXX, meaning only XXXX months have passed since the alleged account was opened. It is highly irregular and legally questionable for a debt to go into collection in such a short timeframe especially without any payment history, validation of debt, or prior notice.

This may constitute a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to : Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Additionally, there is no record of XXXX ever notifying me of this debt, and no opportunity was given to resolve it before Equifax allowed it to be reported and damage my credit profile. 

I have already disputed this item with Equifax and have not received a meaningful response or validation of the debt. 

I am requesting the CFPB to investigate this matter immediately and instruct Equifax to either provide documented, verified proof of this accounts validity and proper reporting timeline or permanently remove it from my credit file. 

Please contact me with any further questions or required documentation. I appreciate your help in resolving this urgent and harmful error. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
I discovered that my credit report was accessed without my authorization. I did not give permission to any company or individual to pull my credit. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ), which outlines the permissible purposes for accessing a consumers credit report.

The inquiry is causing unnecessary harm to my credit profile. I contacted the credit bureaus and the company responsible, but have not received a resolution. I am requesting an immediate investigation and removal of the unauthorized inquiry from my credit file, as well as confirmation that no other fraudulent access has occurred. 

There should be no hard inquiries on my report since XXXX of 2022. 
Remove any after XX/XX/year>2022 I am also requesting that the CFPB investigate this matter and enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: VA

Complaint narrative:
I discovered that my credit report was accessed without my authorization. I did not give permission to any company or individual to pull my credit. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 3 ), which outlines the permissible purposes for accessing a consumers credit report.

The inquiry is causing unnecessary harm to my credit profile. I contacted the credit bureaus and the company responsible, but have not received a resolution. I am requesting an immediate investigation and removal of the unauthorized inquiry from my credit file, as well as confirmation that no other fraudulent access has occurred. 

There should be no hard inquiries on my report since XXXX of 2022. 
Remove any after XX/XX/year>2022 I am also requesting that the CFPB investigate this matter and enforce my rights under the FCRA.

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 2025-07-29 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: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-29 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: NC

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe. 

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Inquiries : XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-07-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : 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 2025-07-29 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:
TRANSUNION EQUIFAX AND EXPERIAN MUST BE HELD ACCOUNTABLE FOR NOT REMOVING THIS INFORMATION LISTED. THEY HAVE ALL DOCUMENTATION ( ALSO ATTACHED TO CFPB ) AND FAIL TO PROVIDE DIRECT PROOF OF REASONS WHY ITS ON MY REPORT. XXXX XXXX  XXXX XXXX ACCOUNT NUMBER XXXX ON EXPERIAN XXXX AND ALL INQUIRIES ON TRANSUNION AS WELL INQUIRIES 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 2025-07-29 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : HUD TITLE1 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2025, Balance : {$59000.00}

Company response to consumer: Closed with non-monetary relief