vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to make a purchase using XXXX XXXX and my Truist card was declined. When I logged into the Truist mobile banking app, I was immediately locked out without warning. I attempted to reset my password using facial recognition and security questions, which were correct, but still denied access. No fraud alert or notification was sent by the bank. 

When I called Truist, I was referred to the fraud department. When I contacted the fraud department, they sent me back to the branch. At the branch, I was only told there was suspicious activity, with no further details or documentation provided. I still have not been given a reason or explanation. 

Truist closed : My personal checking account A secondary account A joint account shared with my mother, which had our mortgage and several bill payments scheduled My mother was then locked out of her savings and newly opened checking account after she deposited her paycheck, despite being told this would resolve the issue. Her deposits bounced, and she could not pay bills on time. 

This caused us to miss our mortgage payment for the first time ever, forced us to withdraw from emergency accounts, and created serious financial hardship. We were treated as if we committed fraud, but no one at Truist has shown us evidence, documentation, or communicated with transparency. 

We have already attempted to resolve this with the company by calling multiple departments and visiting a Truist branch in person. No one has been willing to provide a resolution or written explanation. We are now seeking formal investigation and relief.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am filing this complaint against Freedom Mortgage Corporation regarding a recent negative credit reporting. I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX at XXXXXXXX XXXX XXXX which I have proof of via a payment receipt timestamped XX/XX/XXXX which is attached. 

Freedom Mortgage has an internal cutoff time XXXX XXXX XXXX  EST for same-day payment posting that I did not know about. Because my payment was processed at XXXXXXXX XXXX XXXX XXXX minutes past their arbitrary internal cutoff they posted the payment on XX/XX/XXXX and subsequently reported me 30 days delinquent to the credit bureaus. 

I have been paying my mortgages on time since my first real estate purchase on XXXX of XXXX & this action is extremely damaging to my credit and does not fairly reflect my intent or effort to pay on time. I was not truly 30 days late. I paid the amount on the correct due date, and I should not be penalized for the system not posting it due to an inflexible automated time window. 

Freedom Mortgage has refused to amend or remove the derogatory remark, even as a goodwill gesture. I believe this reporting does not reflect the spirit of the Fair Credit Reporting Act ( FCRA ), as it mischaracterizes my payment behavior due to a technicality.

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 2025-07-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has completely blocked me from accessing my credit report and score. In speaking to a representative, I was told I would have access to my credit report and score. A week later, I am still not granted access nor given an explanation as to why I can not access it. Still, I am getting notifications that inquiries are being allowed fraudulently without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-15 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: AL

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 2025-07-15 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:
It has come to my attention that a hard inquiry was recorded on my credit report without my knowledge or authorization. I am certain that I did not apply for credit or initiate any financial activity with the entity responsible for this inquiry.

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 2025-07-15 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: NV

Complaint narrative:
XX/XX/year>. after reviewing my credit report I saw a collection agency under the name of XXXX and another one under the name of XXXX. Plus 2 two unauthorized hard inquiries. I sent a letter individually by mail to all three agencies : Transunion, Experian and Equifax. 
Today is XX/XX/XXXX, 2 months later and I have nit receive a response. I checked my reports online and don't see the accounts in dispute, reported as currently being investigated. Meaning they all have ignored my letters.

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 2025-07-15 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  XXXX, on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-15 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  XXXX XXXX Illinois XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX , DC XXXX Subject : Demand for Investigation and Deletion of Inaccurate Information on Credit Report Dear CFPB, I am writing to formally demand your assistance regarding several inaccuracies on my credit report, which have persisted despite my ongoing efforts since XX/XX/XXXX. My attempts to resolve these issues directly with Experian Equifax and TransUnion credit bureaus have been met with inadequate responses, and I am now seeking your intervention to rectify this situation. 

My personal information is as follows : - Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Address : XXXX XXXX XXXX XXXX, - XXXX  XXXX XXXX Illinois XXXX - Phone : XXXX I have sent multiple letters to Experian trans and Equifax requesting update of my personal information ehich they refuse to do which is a violation of my rights I have the right to privacy. 

And again with the reinvestigation of the inaccurate accountsTo date, I have not received any meaningful progress or resolution. Instead, I have been met with generic responses that do not address the specific inaccuracies I have identified. 

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and complete information in their credit reports. Specifically, the FCRA mandates that if a consumer disputes information that is inaccurate or incomplete, the credit reporting agency must conduct a reasonable investigation. If the information can not be verified, it must be deleted from the consumer 's credit report.

In my case, despite providing comprehensive documentationincluding certified mail receipts and copies of my lettersExperian TransUnion and Equifax continues to report verified inaccuracies. This is a violation of my rights under the FCRA and the Standards for Equitable and Responsible Reporting Act ( SEERA ). Therefore, I demand that these inaccurate accounts be completely deleted from my credit report immediately.

I have attached copies of all relevant documentation for your review, including : 1. Certified mail receipts confirming my correspondence with Experian.

2. Copies of letters sent to Experian detailing the inaccuracies.

3. Relevant certifications and supporting materials.

I ask that the CFPB take immediate action to investigate these discrepancies and ensure that my credit report is corrected in compliance with applicable laws. Your prompt attention to this matter is greatly appreciated, and I look forward to your response.

Thank you for your assistance. 

Sincerely, XXXX XXXX [ Attachments : Copies of letters receipts and correspondence This app will not let me add any kind of photos to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to report that I have been a victim of identity theft. As a result, there is a balance due on my credit card for charges I did not authorize. This has also led to late payment reports and accounts being sent to collections, all of which were created and used without my knowledge or consent. I did not open or use these accounts, and I am not responsible for the charges. I am requesting that these fraudulent accounts, balances, and negative marks be investigated and removed from my credit file.

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 2025-07-15 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: FL

Complaint narrative:
Inaccurate late payments ( 30 days ) are being reported by TransUnion and XXXX  for XXXX XXXX  on an auto loan account opened in XX/XX/year>. This reporting is impossible. XXXX  correctly shows the account as XXXX during the same period. I made timely payments and never received any delinquency notice from the creditor. 

The loan was opened on XX/XX/year> ( XXXX ) and XX/XX/year> ( TransUnion ), so there could not have been a 30-day delinquency reported in those same months. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2, which require that information reported be accurate and verifiable. 

I am requesting that the inaccurate late payments be immediately removed from my credit file with TransUnion and XXXX, and that written confirmation of this correction be provided. Continued reporting of this false information may result in formal legal action.

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 2025-07-15 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:
Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. The inquiry in question is from XXXX XXXX, dated XX/XX/2025. 

I did not authorize this inquiry, nor do I have any existing or pending relationship with XXXX XXXX that would warrant such an action. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries can not be made without my explicit written consent. Therefore, I request that this inquiry be removed immediately from my credit file. 

Please investigate this matter and provide written confirmation that the inquiry has been deleted. If XXXX XXXX claims I authorized the inquiry, I request that you provide proof of written authorization as required by law. 

Enclosed are copies of my identification and a utility bill as proof of identity and residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear [ Equifax / Experian / TransUnion ], I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. The inquiry in question is from XXXX XXXX, dated XX/XX/2025. 

I did not authorize this inquiry, nor do I have any existing or pending relationship with XXXX XXXX that would warrant such an action. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries can not be made without my explicit written consent. Therefore, I request that this inquiry be removed immediately from my credit file. 

Please investigate this matter and provide written confirmation that the inquiry has been deleted. If XXXX XXXX claims I authorized the inquiry, I request that you provide proof of written authorization as required by law. 

Enclosed are copies of my identification and a utility bill as proof of identity and residence.

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