vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove this inaccurate information from my credit report

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 2025-11-18 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:
b'I am filing this complaint because [XXXX  / Equifax / XXXX] has willfully ignored its duties under the Fair Credit Reporting Act (15 U.S.C.  1681i). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e(b). Courts have made it clear that consumers cannot be left with inaccurate credit reports: in Sessa v. TransUnion, LLC (2023), the court held inaccuracies must be corrected whether factual or legal; in Kirtz (2024), the Supreme Court reaffirmed broad FCRA liability; and in Norman v. TransUnion (2023), TransUnion paid XXXX XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged.\n\nAccounts to Be DeleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 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 2025-11-18 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: CA

Complaint narrative:
I am writing to file a formal complaint as I am a victim of fraud and identity theft. My credit report contains accounts and information that I did not authorize. These items were opened without my consent and are the result of criminal misuse of my personal information. 
I have initiated a police report to document the identity theft and to support my disputes. Despite notifying the three bureaus and requesting a reinvestigation, the fraudulent accounts remain, and no valid proof has been provided to show that these accounts belong to me. This failure to correct inaccurate and unauthorized information violates my rights under the Fair Credit Reporting Act ( FCRA ).

Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by 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 2025-11-18 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 am writing to file a formal complaint as I am a victim of fraud and identity theft. My credit report contains accounts and information that I did not authorize. These items were opened without my consent and are the result of criminal misuse of my personal information. 
I have initiated a police report to document the identity theft and to support my disputes. Despite notifying the three bureaus and requesting a reinvestigation, the fraudulent accounts remain, and no valid proof has been provided to show that these accounts belong to me. This failure to correct inaccurate and unauthorized information violates my rights under the Fair Credit Reporting Act ( FCRA ).

Therefore, I respectfully request that your agency conduct a thorough investigation into this matter and take the necessary steps to remove the disputed item within the 30-day time frame, as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Please examine all provided materials ; the inquiries came in with zero prior notice and may not be authorized.

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 2025-11-18 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: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint due to inaccurate information reported by TransUnion. Despite my disputes, TransUnion has failed to provide sufficient verification or documentation as required by the Fair Credit Reporting Act ( FCRA ), particularly 611.

I am requesting that the CFPB intervene and ensure TransUnion conducts a proper reinvestigation and removes unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( TU ) XX/XX/XXXXXXXX XX/XX/XXXX {$2800.00} This account is being reported inaccurately, and TransUnion has failed to provide proper documentation or verification. 

Inquiries ( TU ) XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX These inquiries are inaccurately reported. I request their removal unless validated. 

Late Payments ( TU ) XX/XX/XXXXDOFED XXXX XXXX XX/XX/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 2025-11-18 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: TN

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 5 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRIES :XX/XX/XXXXXX/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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CHACON AUTOS, LTD.
State: WA

Complaint narrative:
I moved out of state and was unable to make payments on my car due to not having a stable income. Once I started working full-time, my XXXX was stolen, which further delayed my ability to make payments as I had to spend money to get it fixed. I managed to repair the car, but just one or two weeks later, it was repossessed. I wasn't given the option to reclaim the car and continue with the original contract. The company informed me that I needed to pay the entire balance for the vehicle within two days because it was going to auction. It has now been a few months since this happened, but the entire balance is still reported on my credit report, and I was not given a chance to catch up on the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I made a large payment that posted to my account on XX/XX/XXXX and I after chatting today was told it would not reflect on my Available Credit until XX/XX/XXXX. That is absolutely ridiculous in the year XXXX! I was told the hold was placed to make sure the payment cleared from the account it was paid from. It cleared my bank account on XX/XX/XXXX and I have no way to use these funds for XXXX more days after that??? I have had several credit cards over the years ( I am XXXX ) and I have never had to wait more than a couple of days for a payment to clear. It also makes hitting the required amount for the " bonus offer '' extremely difficult when I can't make any purchases for 11 days straight every time I make a payment.

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
My home has an existing insurance claim from Hurricane Beryl. Sofi was made aware. The condition of the property makes it uninsurable by companies I called for coverage. Sofi sent a letter asking me to provide them proof of coverage. I communicated back the uninsurability XX/XX/2025. I provided my attorney information and requested XXXX contact them for clarity. I found out XX/XX/2025 that Sofi opened a homeowners insurance policy with XXXX on XX/XX/2025 with out my consent. I followed up with XXXX and they confirmed. They also had critical information of mine including my social security number. They predated the policy XX/XX/2025. Made a payment {$5200.00} from my escrow. That is an entire year. From what I understand this is blatant insurance fraud. Opening policy without consent, using customer critical information creating the possibilty of identity theft, on a property deemed uninsurable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
There is over a DOZEN families from XXXX XXXX, writing this letter with broken hearts and fading hope. We are desperate for justice and help because we have nowhere else to turn. For two years, weve been reaching out to the XXXX, the XXXX XXXX XXXX XXXX XXXX, the XX/XX/XXXXXXXX, elected officials, and the media begging someone to listen. But every door weve knocked on has been closed. Every plea has been ignored. 
We trusted someone who promised to help us save our homes XXXX XXXX of XXXXXX/XX/XXXXbut instead, she took everything from us. Her lies and manipulation have destroyed our families. She isnt a home saver ; she is a home wrecker. Because of her deceit, we have lost our homes, our savings, and our sense of safety. We are now homeless our children without stability, our families torn apart. This could have been prevented if action had been taken when the first complaints were made two years ago. 
How many more families must go through this nightmare before someone listens? How many more children must be forced into the streets before justice is served? 
An investigation was opened by the XXXXXX/XX/XXXXXXXX in XXXX nothing happened. A complaint was filed with the XXXX XXXX XXXX XXXX XXXX in XXXX nothing happened. Again in XXXX, weve been pushed aside and silenced. We are losing faith in a system that is supposed to protect us. 
We are not asking for pity we are begging for justice. We are pleading for someone to finally listen, to take action, to stop this woman before more innocent families are destroyed. 
Where are our rights? Who will hear our cries? When will justice finally be served? 
Please help us before its too late. No one else should have to live through the pain and heartbreak we are enduring. 
Sincerely,XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am submitting a follow-up complaint because Aidvantages investigation was not reasonable under the Fair Credit Reporting Act ( FCRA ) and their negative reporting is inaccurate. I never received proper notice of repayment or delinquency because all communications were sent to an outdated email address that I did not maintain, and Aidvantage provided no proof that I authorized that email as my preferred contact method. They also failed to provide any evidence of phone calls, mailed notices, or other valid outreach. Once I discovered the negative credit mark, I immediately created an account and paid the balance in full on XX/XX/year>. Their reporting is misleading and incomplete because it resulted from their failure to notify me, not from intentional nonpayment, and I am requesting a reinvestigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
on XX/XX/year> I initiated an ACH withdrawal for {$1000.00} from my checking account at SoFi to be deposited in my crypto.com account. This method had been set up previously and had been successful on other transactions. 

SoFi immediately withdrew the funds and posted the transaction.XX/XX/XXXX immediately FAILED the deposit and did not credit the funds. I contacted both institutions and they both said that the funds should appear back in my Sofi account within 5 business days. The funds never came. I filed a dispute with SoFi and they provided a trace number of XXXX. That did not help crypto.com find the money. 

I then was provided an ID number for transaction from Sofi of XXXX. Still no resolution. I want to find my {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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
Consumer complaint received 2025-11-18 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: MA

Complaint narrative:
While I was XXXX credit accounts were opened in my name without my authorization. I recently became aware of these accounts after reviewing my credit report. Specifically, there is an approximately {$2000.00} account with XXXX XXXX and an approximately {$3000.00} account with XXXX that I did not open, authorize, or have any knowledge of. 

Because I was incarcerated during the time these accounts were opened, I could not have applied for or used these credit cards. These accounts appear to be fraudulent. I did not receive any communication, statements, or verification requests from either company at the time the accounts were allegedly opened. 

I am requesting that both companies investigate these unauthorized accounts, close them as fraudulent, and remove any related negative information from my credit report.

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