vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate personal identifying information, specifically an incorrect name variation and an incorrect address. After reviewing my credit file, I discovered that personal information not belonging to me was added and is being reported inaccurately. 

The correct identifying information associated with my credit file should reflect only my legal name and my current address. However, my report shows additional or incorrect name variations and address information that I did not authorize and that do not accurately identify me. This inaccurate personal information creates a risk of misidentification, mixed credit files, and potential identity theft. 

I reviewed my credit report and identified the errors. I then attempted to have the information corrected so that my credit file reflects accurate and up-to-date personal information only. The incorrect name and address were not properly updated or removed, which is why I am submitting this complaint.

I am requesting that my credit file be reviewed and updated to reflect only my correct legal name and correct current address, and that any other names or addresses be deleted. Maintaining inaccurate personal information on my credit report is harmful and may result in incorrect account matching or future reporting errors.

This complaint is not related to any specific account balance or payment issue. It is solely about correcting inaccurate personal identifying information so that my credit file accurately reflects my identity.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-22 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 a consumer currently working on improving my credit, and I am filing a dispute regarding certain accounts that appear on my credit report. Below is a list of the accounts in dispute, separated by bureau : Charged Off XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1400.00} Late Payment XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXXXXXX Account Number : 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 2025-12-22 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-22 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: MD

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Imprint Payments, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Imprint Payments , Inc. for the unlawful creation and reporting of a credit card account that I was never properly approved for as a consumer. 

This account originated as part of an internal credit card testing program when I was an employee of Imprint Payments. I never applied for consumer credit, never received a valid credit approval, and never authorized the issuance of a consumer credit account. 

Before my departure from the company, I was explicitly informed by a company representative ( XXXX ) that this account would be removed and resolved internally. Despite this assurance, the alleged debt was later sold to a third-party collections agency and is now threatening to appear on my credit report. 

This conduct constitutes improper credit origination, deceptive practices, and potential violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Reporting or collecting on an account that was never a valid consumer credit line is unlawful. 

I am requesting immediate removal of this account from collections, confirmation that no negative credit reporting has occurred ( or immediate deletion if it has ), and written confirmation that this matter has been fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I am submitting this complaint regarding improper and excessive mortgage servicing fees assessed by Zions Bank on a reaffirmed HELOC. 

The loan was reaffirmed in a XXXX XXXX. During the active bankruptcy period, we were legally prohibited from making payments. Outside of that period, we have remained current and on time. 

At the time the HELOC was originated, the home was valued at over {$170000.00}. The current estimated value exceeds {$370000.00}. Despite this substantial equity and a very low principal balance ( approximately {$7800.00} in XXXX, now {$5900.00} ), Zions Bank has repeatedly charged appraisal and valuation-related fees, sometimes multiple times per year. These fees totaling almost {$5000.00} have inflated the payoff amount to over {$11000.00}. 

-- Improper Fees Charged XXXX assessed the following charges labeled as XXXX XXXX XXXX XXXXXXXX XXXX, including vendor charges from XXXX XXXX XXXX : {$400.00} for each appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$600.00} for each appraisal on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Desktop fee of {$150.00} on XX/XX/XXXX, no explanation or description of this fee was ever given XXXX separate XXXX XXXX XXXX  from XXXX XXXXXXXX XXXX XXXX Timeline of Dispute XX/XX/XXXX Zions Bank provided a list of fees showing repeated appraisal and valuation charges. 

XX/XX/XXXX, we submitted a formal RESPA Notice of Error and Request for Information disputing the fees and requesting copies of all appraisals XX/XX/XXXX Zions Bank responded in writing declining to make any fee adjustments and refusing to provide copies of the appraisals or valuations. 

More than a year prior to this formal request, I had already emailed and verbally asked for copies of the appraisals multiple times and was repeatedly denied. 

-- Failure to Provide Required XXXX Copies XXXX  charged these fees for appraisals or valuations that were never provided. 

Under ECOA Regulation B ( 12 CFR 1002.14 ), creditors must automatically provide copies of appraisals or valuations when they are charged to the consumer or used in connection with the account. XXXX failed to comply with this requirement. 

-- Lack of Notice and Improper Servicing The " Desktop '' fees were added without notice or explanation, and XXXX has failed to substantiate them specifically, despite formal requests, in violation of RESPA servicing requirements. 

-- Pattern of Improper Fee Practices Public CFPB complaint data shows that Zions Bank has issued monetary relief in multiple mortgage and HELOC complaints involving improper fees, demonstrating a documented pattern of non-compliance with federal servicing and disclosure rules.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I must emphasize that this complaint is not an error on my part. My credit report contains inaccuracies that do not reflect the highest level of accuracy possible. These errors are causing me significant distress and are negatively impacting my life in profound ways that are difficult to fully articulate. These are challenging times, and correcting or removing these inaccuracies would provide immense relief and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: MO

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law. 

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

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 2025-12-22 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:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-22 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

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 2025-12-22 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 report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the accounts that I am disputing, separated by credit bureau. I request that these accounts be thoroughly investigated and the necessary corrections be made. Please review the following details : INQUIRIES XXXX  XXXX, XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am disputing unauthorized debit card transactions totaling {$1600.00} that were processed through XXXX XXXX and withdrawn directly from my Navy Federal Credit Union debit card. 

I did not authorize, initiate, or participate in these transactions and did not receive any benefit from the funds. 

I reported the unauthorized activity to Navy Federal Credit Union on XX/XX/year>, well within the Regulation E reporting timeframe, and I filed a police report for unauthorized electronic fund transfer and identity theft. 

XXXX XXXX denied my claim using the statement that I authorized and/or participated in the activity, without providing evidence demonstrating authorization as required under Regulation E ( 12 CFR 1005 ). 

The use of valid credentials alone does not constitute authorization, and the fact that the transactions occurred through a peer-to-peer platform does not remove Regulation E protections when funds are withdrawn via debit card.

I am requesting a regulatory review, a proper investigation consistent with Regulation E requirements, and credit for the unauthorized debit card transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I was a victim of a scam that resulted in a loss of {$4000.00}. I immediately contacted Suncoast Credit Union to report the incident on the phone and was instructed to come in to a branch location. XX/XX/year>, my wife and I went to their XXXX XXXXXXXX XXXX XXXX in XXXX Florida and filed an official Affidavit of Fraud. During our interaction with the Suncoast representative ( XXXX XXXX ), I was explicity told that there was a " very high likelihood '' of reimbursement based on the details of my case. She even went on to inform us that she has had at least 3 other cases similar to ours and all of which received full reimbusment from Suncoast. She stated that she has never not seen anyone get reimbursed in a case like ours and that it was actually a good thing that the scammers did not physically get into my account. XXXX mentioned we were extremely good candidates due to the relevant facts of our case. 

Relying on this professional guidance, I proceeded with the bank 's internal process. However, my claim was subsequently denied. I only found out through the banks messaging in their portal. I have not received a phone call, mail, or email from them regarding the outcome. I am filing this complaint because the bank provided misleading information regarding my protections and has failed to exercise " goodwill '' reimbursement despite my immediate reporting and cooperation. I believe the bank 's investigation was insufficient, especially given the contradictory information provided by their staff.

Company response to consumer: Closed with explanation