vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access al information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report.

I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 submitted formal credit report disputes to TransUnion back in XXXX regarding multiple inaccurate and unverifiable items appearing on my credit file. Despite the time that has passed, no meaningful investigation has been conducted, and no updates or responses have been provided. This lack of action is a violation of the Fair Credit Reporting Act ( FCRA ), which requires the bureaus to conduct a reasonable reinvestigation and respond within 30 to 45 days. I am now filing this complaint because my rights as a consumer are being ignored, and my credit reports continue to reflect inaccurate information that is harming me.

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 2025-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
Carrington mortgage services failed to pay my homeowners insurance and then placed me under forced insurance. I do not know what documentation would help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I sent the attached letter to XXXX XXXX on XX/XX/year>. XXXX XXXX received and signed for it on XX/XX/year>. Signed Confirmation Tracking from USPS is also attached to this complaint providing proof of signed delivery. As per federal law ( Fair Debt Collection Practices Act 15 U.S.C 1692g ) they are required to verify and provide proof of the account ( signed contract, etc. ), debt, and account information. They have failed to do so. Today is XX/XX/year>, it has now been over 30 days. Due to XXXX XXXX failing to comply with the federal law, remove this account from my credit report per federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute letter to Experian requesting an investigation and correction of inaccurate information appearing on my credit report. However, following their investigation, Experian responded by verifying several accounts yet these accounts still contain inaccurate and unverifiable information, and they are not reporting with the maximum possible accuracy as required by the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ).

Specific issues include : Accounts that were " verified '' but still contain inconsistent balances, statuses, or payment histories. 

No reasonable investigation appears to have been conducted, as the errors I identified remain unchanged. 

The continued reporting of inaccurate information despite my formal dispute is causing ongoing harm to my creditworthiness. 

I am requesting the Consumer Financial Protection Bureau to investigate Experian for failure to meet its legal obligations under the FCRA and compel them to : Provide a reasonable explanation and documentation verifying their investigation. 

Remove all inaccurate, unverifiable, or outdated information from my credit report in accordance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I RAN MY CREDIT REPORTS AND NOTICED FRADULENT ACCOUNT AND HARD INQUIRIES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
I RAN MY CREDIT REPORTS AND NOTICED FRADULENT ACCOUNT AND HARD INQUIRIES

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 2025-07-22 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: FL

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally express my frustration and request immediate resolution regarding the recurring late fee charges on my Chase Inc. Business Cash Card ( Account Number ending in XXXX in my name. 
Despite my minimal usage of this cardusing it only once over the past yearand numerous refunds of previously charged late fees, I continue to see these fees repeatedly applied and refunded. Late fees for late fees for late fees that are refunded and then charged again. This process has become very time-consuming and frustrating, especially given my status as a long-standing, good client.

I kindly request that you review my account thoroughly and refund all incorrect or unnecessary late fees that have been charged to my account. The balance is XXXX on the account until I use the card again. I also ask that you ensure no further erroneous charges are applied moving forward.

I trust this issue can be resolved promptly, and I look forward to your confirmation that my account has been rectified.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
Issue : XXXX XXXX XXXX and Experian Violated FCRA Re-Aging, No Validation, and Incomplete Dispute Response I am filing a formal complaint against XXXX XXXX XXXX and Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
This complaint involves two collection accounts being inaccurately and illegally reported : XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Open Date : XX/XX/year>XXXX  Balance : {$930.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Open Date : XX/XX/year> Balance : {$1900.00} Violations Committed : 1. False Delinquency Reporting / Conflicting Dates XXXX is reporting delinquency as early as XX/XX/year>, which predates the account open dates of XXXX and XX/XX/year>. This is chronologically impossible and violates FCRA 623 ( a ) ( 1 ) ( A ). 
2. No Validation of Debt XXXX  has never provided : 1.A signed contract 2.Statements or breakdown of the balance 3.Chain of assignment Under FDCPA 809, they are required to validate the debt before collecting or furnishing data. They failed to do so. 
3. Improper Re-Aging of Debt After I filed a dispute, XXXX did not produce any documentation. Instead, they updated the tradeline to reflect new balance update dates and continued collection status, even though : - I made no payments- There was no new activity - No legal update to the account occurred This is known as re-aging, and violates FCRA 623 ( a ) ( 5 ) and XXXX XXXX standards, which prohibit updating accounts without consumer activity. 
4. Experian Failed to Investigate or Delete Experian closed the dispute with a generic statement : The item you disputed has been updated. Please check your report. 
This does not meet the requirements of FCRA 611 ( a ) ( 7 ), which obligates the credit bureau to provide : - A description of the reinvestigation -The method used -The documents reviewed -The party contacted Instead, they allowed XXXX to keep the accounts on file without any proof or documentation and failed to delete unverifiable data, which violates FCRA 1681i ( a ) ( 5 ). 
Resolution Requested : I am requesting the CFPB to : Investigate both XXXX and Experian for FCRA and FDCPA violations Complete deletion of both tradelines from Experian Require Experian to provide a complete investigation summary, as required by law I am attaching supporting files showing : 1.Contradictory open and delinquency dates XXXX " before and after '' tradeline changes 3.Experians inadequate dispute response Thank you for your attention to this matter. 
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 2025-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Since during and after covid we had financial issues. We were unable to continue to pay our morgage on time or not able to pay it at all. Now, i have a XXXX XXXX I will be out for work for a while. We are already behind with the morgage and we are very close to foreclosure. We really need help.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX  I purchased a money order for {$1000.00} and another for $ XXXX XX/XX/XXXX for our rent. In the process of moving to our new residence the money order for {$1000.00} was accidentally tossed out amongst junk mail and old papers. 

The money order was still intact, so I did not have the serial number. We purchased it from XXXX and they provided us with the form to complete and send to Money Gram. Later I received another form along with a request for {$40.00} to do a more extensive search. 

When we received the XXXX form we then submitted : 1. a completed form 2.a copy of the {$340.00} money order with serial number made out to the apartment complex XXXX. {$40.00} for the extensive search I included a copy of the bank transaction that showed a purchase of a money order from XXXX. 
They responded with a letter that said. " We have researched our records using the information you provided AND NOTHING WAS FOUND FOR THE DATES OF XXXX IN THE AMOUNT OF {$1000.00} '' They went on to say if the purchaser 's receipt was located contact them. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint because TransUnion, XXXX, and XXXX  continue to report inaccurate and unverified information on my credit file despite having submitted formal disputes on three prior occasions ( XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XX/XX/year>  ). 
Specifically, they continue reporting a charged-off account from XXXX XXXX XXXX ending in XXXX ) and multiple hard inquiries from auto lenders on XX/XX/year>XXXX  ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I did not authorize. 
I have never received proper verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ) of the FCRA. I request that the CFPB require the credit bureaus to conduct a lawful reinvestigation and remove or correct unverifiable data.

These inaccuracies are negatively impacting my credit score and financial access. Supporting documents are available upon request.

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 2025-07-22 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: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below :

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 2025-07-22 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 value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
Dear TransUnion Dispute Department, I am writing to formally dispute two hard inquiries that appear on my TransUnion credit report. These inquiries are unauthorized and were made without my knowledge or consent. I did not apply for credit with these companies, and there are no corresponding accounts opened or maintained by me with them. 

The inquiries in question are : XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 604, credit reporting agencies are required to ensure that all hard inquiries are made with the consumers explicit consent and for a permissible purpose. These inquiries violate my rights under this provision as I did not authorize them in any form. 

As outlined in FCRA Section 611, I am exercising my right to dispute any inaccurate or unauthorized information on my credit file. I am requesting a full investigation and removal of these inquiries unless documentation proving my authorization can be provided.

Please consider this letter my formal request to have these inquiries removed within the 30-day time frame as required by law. I am also requesting a free updated copy of my credit report showing the removal, per 15 U.S. Code 1681i. 

I have enclosed copies of my government-issued ID and a utility bill for identity verification. 

Thank you for your attention to this matter.

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 2025-07-22 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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