vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

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 2025-08-15 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: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00}

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 2025-08-15 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
My last cash app account was fraud and closed I cant get a cash app card my money was stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-15 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
They overcharged me two years in a row. Double estimated my insurance premium to go in escrow. They just paid my insurance last month and theirs XXXX $ in it still after it was paid. My homeowners was XXXX $ they are estimating it to be XXXX $ next year to keep my overage of 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 2025-08-15 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: CA

Complaint narrative:
I have previously disputed Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-15 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: Ark-La-Tex Financial Services, LLC
State: ND

Complaint narrative:
My credit was pulled w/o consent. It was pulled XXXX. Attached, you can see I accidentally gave XXXX XXXX ( XXXX  months and some change AFTER the fact ) however, it was deleted the same day as it was accidental and I reached out IMMEDIATELY and redacted my " consent ''. Also, the application provided from the company included false information ( applications states unmarried, however I have been married since XXXX, incorrect job title, XXXX address for a specific loan?, etc ) all without a proper signature. I bought my current primary home w/ my husband in XXXX XXXX XXXX. XX/XX/XXXX to be exact. I DO NOT or HAVE NOT needed a different primary residency, especially before i have lived in my current home less then a year ( at the time XXXX falsified the paperwork ). I have only worked with XXXX XXXX in XXXX regarding my current loan. I have NEVER had contact w/ XXXX XXXX XXXX XXXX If so, please provide the proof, with sign consent on or before XXXX ( excluding any time before XXXX ) that consented to a credit pull. I want this credit report pull from my report and XXXXXXXX XXXX XXXXXXXX held accountable for the falsifying paperwork and improper sharing of information/pulling my credit. This is absolutely DISGUSTING and inappropriate. Especially when im in XXXX, she is in XXXX  ( per her website ). Why would I work with her for a undisclosed house in XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
transunion, equifax and experian all have and incorrect amount of balance charge of in an account i try disputing with all XXXX the lender send something and they said it was correct. im disputing the balance of a XXXX XXXX XXXX  that i bouhgt back in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. i apid the car till XX/XX/XXXX i voluntary return the car because of an issue with the title that they didnt help with and i could drive the car because of it.They sold the car in auction try to charge me XXXX and change for diference of what it was sold.I never paid it i thought it was their fault i even p [ ut my wife in loan to see if they took me out of title and put her only and they didnt do it. Now in XXXX the balance shows XXXX how is that possible? when i disputed with all XXXX companies they left it like it was because the company show some proof? Proof of what how can it go from XXXX to XXXX? Why wasnt i show the proof

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by XXXX Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX, XXXX XXXX, XXXX. on my credi riportt. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, Tx XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX TX XXXX, and XXXX XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 
Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license A recent utility bill Request for Confirmation : I request that [ Credit Bureau Name ] investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes.

Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt 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 2025-08-15 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia
State: MS

Complaint narrative:
I got a phone line through XXXX for someone else in my name and the phone was never fully paid off due to the person not paying the bill anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am submitting this complaint regarding the continued inaccurate reporting on my credit files by TransUnion, Experian, and Equifax, which is directly harming my ability to expand my business and access necessary financing. 

Due to these incorrect and unverifiable entries, my credit profile has been negatively impacted, resulting in : Denials or limitations of business credit and financing Increased interest rates on existing or potential loans Direct interference with my business growth and economic opportunities This harm violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( 15 U.S.C. 1681 ) Consumers have the right to fair and accurate credit reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Bureaus must maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Disputed information must be reasonably reinvestigated and corrected. 

I have disputed these inaccuracies with each credit reporting agency, yet the erroneous accounts remain and continue to cause financial harm to both my personal and business credit standing. 

I request that the CFPB investigate this matter, compel the credit reporting agencies to fully comply with the FCRA, and require the prompt correction or deletion of the inaccurate information so that I may move forward with my business expansion without undue damage to my credit.

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 2025-08-15 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: NC

Complaint narrative:
I am submitting this complaint regarding the continued inaccurate reporting on my credit files by TransUnion, Experian, and Equifax, which is directly harming my ability to expand my business and access necessary financing. 

Due to these incorrect and unverifiable entries, my credit profile has been negatively impacted, resulting in : Denials or limitations of business credit and financing Increased interest rates on existing or potential loans Direct interference with my business growth and economic opportunities This harm violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 602 ( 15 U.S.C. 1681 ) Consumers have the right to fair and accurate credit reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Bureaus must maintain maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Disputed information must be reasonably reinvestigated and corrected. 

I have disputed these inaccuracies with each credit reporting agency, yet the erroneous accounts remain and continue to cause financial harm to both my personal and business credit standing. 

I request that the CFPB investigate this matter, compel the credit reporting agencies to fully comply with the FCRA, and require the prompt correction or deletion of the inaccurate information so that I may move forward with my business expansion without undue damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Took out a loan of {$3000.00}. oo, with some interest typically with loans. This is how it was explained to me. After I paid and noticed I was still being charged, I asked, " why ''. I was told by a store manager that interest and principal is separate as well as I was accumulating daily interest fees. The person that initially served me was misleading, and deceptive. She misrepresented the true cost and responsibilities of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: AR

Complaint narrative:
I made a checking account with discover XXXX of XXXX  and it was closed due to a random executive decision on XX/XX/year> I was not warned nor told that this would happend and due to there faulty systems it took a XXXX cent that I never spent and has adversely effected my ability to start a new checking account with other companys.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Permanently delete all inaccurate late payment entries for the following accounts : 1. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account Number : XXXX, XXXX XXXX ( XXXX, XXXX ). These accounts were paid as agreed, and no proper billing notices or due dates were provided, making the reporting a billing error under 15 U.S.C. 1666B and a violation of FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ). Provide a corrected credit report and written confirmation of deletion within 15 business days.

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