vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NV

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 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I requested a payoff from Shellpoint Mortgage Servicing DBA NewRez on XX/XX/year> and was told that due to it being a commercial account it could take XXXX business days. I went back and forth with reps all last week and was even told by XXXX representative on Friday, XX/XX/XXXX that the request was never processed. When I reached out to the department today and spoke to a supervisor, he informed me that it will take XXXX additional day as they are waiting to get the amount of the prepayment penalty. I explained that there isnt a prepayment penalty and was told that he would forward me the original which I have yet to receive. However, I found my closing documents from the loan origination including my prepayment penalty addendum which states there is no penalty after 3 years. I feel this is predatory loan practices and I am being discriminated against. This process being prolonged is also putting me at risk of losing a buyer for my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
Dear Equifax 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 : XXXX  XXXX XXXX - XXXX * * * * * * * * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I went to XXXX & XXXX distributors on XX/XX/year> to get a refund for materials. They did their part, however Venmo is refusing to work with me on giving me the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
I found out that there are a few negative account XXXX reporting on my credit report. Please delete these accounts as soon as possible 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 non-monetary relief
Consumer complaint received 2025-10-20 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: Dodge Enterprises Inc.
State: NJ

Complaint narrative:
On or around XX/XX/year>, I visited Mt. XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, Mt. XXXX, NJ XXXX. During my visit, I clearly stated that I did not consent to my credit being run multiple times or submitted to multiple lenders. 

While I was still at the dealership, I began receiving real-time credit alerts showing multiple hard inquiries. I immediately addressed this issue in person with both the XXXX XXXX and a sales consultant named XXXX, who assured me that my credit was only run once. This statement was false, as I later received multiple rejection letters from lenders I never applied to. 

Feeling uncomfortable and misled, I left the dealership immediately. 

On XX/XX/year>, I spoke by phone with XXXX, the XXXX XXXX, who admitted that my information was looked into by XXXX lenders, but still claimed my credit was only run once. This directly contradicts the multiple credit alerts and rejection letters I received. 

I never signed or authorized a credit application permitting multiple lenders to access my credit report. This appears to be an unauthorized use of my credit file and a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which requires explicit consumer consent for each inquiry. 

I am requesting that the Consumer Financial Protection Bureau investigate this dealerships conduct and require : XXXX. Removal of all unauthorized credit inquiries from my credit reports ; XXXX. Identification of all lenders that accessed my credit file through Mt. XXXX XXXX ; and XXXX. Appropriate enforcement action if the dealership or its employees acted without proper authorization. 

I am attaching copies of rejection letters and credit alerts as supporting evidence. 

XXXX XXXX : Mt. XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX Horse XXXX, Mt. XXXX, NJ XXXX Phone : ( XXXX ) XXXX Finance XXXX : XXXX ( last name unknown ) Sales Consultant : XXXX ( last name unknown )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I financed my XXXX XXXX XXXX through American Honda Finance XXXX I missed XXXX {$540.00} payment during XXXX in XXXX but was never informed by phone, email, or mail. I recently found out my balance is {$2500.00} all cumulative late fees and interest from that XXXX payment. 
When I called XXXX multiple times to resolve the issue, but the representatives were uncooperative and said they werent required to notify me because my account was paperless and on automated payments. Also, they are threatening me that they will not issue me my car item until I pay them {$2500.00}. This is unfair because they kept adding charges for years without alerting me. 
Today, I owe them only XXXX payment of {$540.00}, and after taking that payment, they should release my car title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Provided credit card number to a car rental company, XXXX XXXX XXXX XXXX XXXX for a deposit hold under the terms and conditions posted by that company. Reservation charged for full amount immediately, and written demands to cancel ignored. Bank of America denied dispute on the basis proof of cancellation not provided, notwithstanding it having been provided in writing. Full card member agreement sought under the Credit Card XXXX, Responsibility, and Disclosure ( CARD ) Act of 2009 act, Bank of America refused to provide the full agreement, providing only an XXXX page summary without information on arbitration or court jurisdiction. This prevents me from properly filing in the appropriate jurisdiction a small claims lawsuit. XXXX seeks to recover {$200.00} in damages.

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 monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered that someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, XXXX met with silence or excuses. XXXX not just a number XXXX a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: GA

Complaint narrative:
I am being harassed by XXXX XXXX XXXX ( based in XXXX, AR ) regarding a Workout Anytime membership that I properly canceled on XX/XX/year>. I received written confirmation of my cancellation and paid any remaining balance at that time. Despite this, XXXX XXXX has continued to send billing and collection notices and make automated robo-calls demanding payment. 
On XX/XX/year>, I sent a detailed written notice to XXXX and XXXX XXXX corporate instructing them to cease all collection activity, revoke any payment authorization, and communicate only in writing. I attached proof of cancellation. I received no response to that notice. 
Since then, I have continued receiving automated phone calls seeking payment. These calls are unwanted, harassing, and in violation of my explicit written request to stop phone contact. XXXX XXXX has also failed to provide any documentation or explanation for the supposed balance, even though I requested a copy of the contract and itemized ledger. 
I believe this conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ) if they attempt to report this false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

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 2025-10-20 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:
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 ] Account Number : [ XXXX * * * * ] Creditor Name : [ CXXXXC ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX * * * * ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] Creditor Name : [ XXXX ] Account Number : [ XXXX * * * * ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 XXXX XXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
a company identified as IQ Data International , Inc. reported a lease-related collection account that I did not authorize or create. IQ Data admitted receiving a copy of a residential lease from my former apartment complex without my consent and used that document to claim I owed a balance. I never signed any agreement permitting IQ Data or any third-party to collect or share my lease information. 

The alleged debt and related reporting are a direct result of this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: NJ

Complaint narrative:
I went to XXXX Oral XXXX on XX/XX/year> for a consultation. They took X-rays but never informed me of how much that would cost, and never checked with my insurance company first to see if it was covered. I told them I could get them my X-rays from my dentist but they said they needed their more detailed X-rays. Again never telling me that they may not be covered and I would have to pay out of pocket. I later received a bill for ( Im not sure of the exact amount but it was around {$480.00} ) I called them to dispute the bill but they said that I was responsible for the amount since I didnt choose to have the XXXX at their offices. I never paid the bill so now they inflated the debt amount to {$500.00} to go around the law and to be able to have it sent to a collection agency so it would appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CITIBANK, N.A.
State: MI

Complaint narrative:
Subject : Complaint Under the Fair Credit Reporting Act ( FCRA 611 ( b ) & 623 ( b ) ) Failure to Correct Inaccurate Reporting Creditor/Furnisher : XXXX XXXX XXXX ( Citibank ) Account Number : XXXX Mailing Address : Citibank , N.A . XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Dear CFPB Representative, I am filing this complaint against XXXX XXXX XXXX Citibank ) for continuing to report inaccurate and misleading information to the credit bureaus despite multiple written disputes and supporting documentation proving the inaccuracy. 

The account listed above was Reported as charge-off though paid in full and closed as of XX/XX/year>. However, the company continues to report false information, including late payments and/or charge-off status. 

I submitted a written dispute under FCRA 623 ( a ) ( 8 ), providing payment proof and account statements. The company responded with a denial letter claiming the data was verified as accurate, yet failed to produce evidence supporting the delinquencies.

This is a violation of : - FCRA 623 ( b ) : Failure to conduct a reasonable investigation after receiving notice of dispute.

- FCRA 611 ( b ) : Failure to ensure that inaccurate or unverifiable data is corrected or deleted. 

I request that the Consumer Financial Protection Bureau require the furnisher to delete the entire tradeline under FCRA 611 ( a ) ( 5 ) ( A ) as the information can not be verified. 

Attachments : XXXX. My original dispute letter XXXX. The companys denial response XXXX. Proof of payment or account closure XXXX Credit report screenshot showing inaccurate reporting XXXX. XXXX ID and proof of address Respectfully, 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 2025-10-20 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Experian for allowing deleted accounts to be reinserted into my credit file without authorization, proper verification, or consumer notice. I am asking the CFPB to step in and take action because this has gone too far and is now seriously affecting my credit profile. I can not understand why Experian continues to update accounts that were already deleted. The XXXX XXXX XXXX Bank XXXX was deleted on XX/XX/year>2025, XXXX Card was deleted on XX/XX/scrub> 2025. And when I reviewed my new credit report I saw that these accounts are still showing. This makes no sense and directly violates the Fair Credit Reporting Act. 
Under 15 U.S.C. XXXX ( b ), Experian must ensure maximum possible accuracy in all consumer information. Re-inserting or updating deleted accounts without certification or notice is a violation of this law. 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) requires that a furnisher certify accuracy and completeness before reinsertion and that the consumer receive written notice within XXXX business days. I never received any certification, notice, or explanation. This shows clear noncompliance and reckless handling of my data. 
This ongoing issue has damaged my credit standing, caused emotional distress, and created confusion when applying for credit. These unauthorized reinsertions demonstrate systemic negligence under 15 U.S.C. XXXX and XXXX for willful and negligent noncompliance. To make things worse, I am unable to file a complaint through the FTC because their website is currently shut down, leaving consumers like me without the ability to report these violations directly.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief