vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: GA

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 2025-12-02 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:
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 explanation
Consumer complaint received 2025-12-01 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 am filing this complaint because my Equifax credit report contains multiple hard inquiries that I did not authorize, and these inquiries appear to be connected to identity theft. These entries were made without my consent, which means there was no permissible purpose under 15 U.S.C. 1681b, and XXXX  has failed to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). The disputed inquiries include : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>. I am requesting the CFPBs assistance, guidance, and intervention to ensure that Equifax properly investigates these unauthorized inquiries, deletes them from my credit file, and corrects any harm caused by these unauthorized inquiries. I am also asking the CFPB to oversee this matter and ensure Equifax complies with federal law. 
Please note that I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue. I expect a prompt and accurate resolution. Failure to act will result in further escalation of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LEXISNEXIS
State: NV

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my LexisNexis Full File Disclosure, and upon review, I discovered information that I believe is inaccurate, incomplete, outdated, or unverifiable. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1692g ), I am requesting that LexisNexis conduct a reinvestigation of the following items and delete or correct any information that can not be verified. 
Items in Question : 1. XXXX Collections XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX I contacted all the creditors that placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Please block and/or remove all information resulting from identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these accounts must be removed within 4 business days of receipt. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a replacement card in the mail. I am XXXX XXXX XXXX, so I couldn't remember if I had called to replace XXXX of my cards. I used it on XXXX after activating it. After a few purchases, I noticed that some transactions were declined, but others went through. 

I realized that it was not a Citibank card. The card is called 'THANK YOU FROM CITI . ' I searched the phone number, and it said scam on the customers comments. My God, help me. 
The number on the card is XXXX. 
I called, and they wanted me to give all my personal information, but I hung up. When I activated the card, I entered my information on the phone pad as well as my 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 2025-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
My mortgage was originated as an FHA-insured loan on XX/XX/XXXX with New American Funding ( Broker Solutions Inc. ) . I signed an FHA Note, FHA Amendatory Clause, and Closing Disclosure clearly showing Loan Type : FHA, FHA Case Number XXXX, and all FHA-required documents. 

I did not refinance my loan, I did not pay off the loan, and I did not sign any documents converting my FHA mortgage to a conventional mortgage. 

However, after the loan was transferred from New American Funding XXXX XXXX  XXXX XXXX XXXX, the companies involved illegally changed the loan type from FHA to Conventional without my knowledge or consent. 

HUD has now confirmed to me in writing that : My FHA Case Number was canceled on XX/XX/XXXX at the request of New American Funding, Even though the loan had already closed as FHA, And FHA insurance had already been applied to the loan. 

HUD also stated that FHA does not monitor post-closing insurance, meaning the lender/servicer improperly canceled the FHA case without a payoff, refinance, or borrower authorization which violates FHA/HUD rules and my mortgage contract. 

XXXX completed a loan modification in XXXX while the loan was still legally FHA. The modification did not disclose any loan-type change. 

Later, in XX/XX/XXXX, XXXX XXXX issued another loan modification referencing a conventional investor, even though the FHA loan was never refinanced or legally converted. XXXX has been servicing and reporting the loan as a conventional mortgage, which is inaccurate and unauthorized. 

I am requesting a full investigation into : 1. The improper cancellation of my FHA Case Number after closing.

2. The unauthorized conversion from FHA to Conventional.

3. All servicing transfers between XXXX XXXX XXXX. 
4. Incorrect investor information and servicing classification.

5. Violations of RESPA ( 12 U.S.C. 2605 and 12 C.F.R. 1024.35 / 1024.36 ).

6. Improper credit reporting of the loan type. 

I want the CFPB to require the companies to : Correct the loan classification back to FHA ; Provide all documents showing when, how, and why the FHA insurance was canceled ; Provide the legal authority for converting the loan to conventional ; Provide all servicing-transfer records ; Correct all inaccurate reporting. 

I have attached supporting evidence including my original FHA Note, FHA Amendatory Clause, FHA Closing Disclosure, HUD response,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me. 

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Westlake Financial is reporting a charged-off auto loan with a balance of {$5700.00} and a past-due amount of {$5700.00} even though they transferred the account to a collection agency. Westlake confirmed the transfer to me by phone. An original creditor can not report a balance, past-due amount, or make balance updates after a debt is transferred or sold. This is inaccurate reporting and violates the FCRA and XXXX guidelines. The balance and past-due amounts must be corrected to {$0.00} or the tradeline must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute several inaccurate and unverified items appearing on my XXXX  credit report dated XX/XX/year>. These accounts are reporting incorrect balances, dates, payment histories, or statuses. Please reinvestigate and delete any information that can not be fully verified. 

ACCOUNTS IN DISPUTE ( XXXX  ) IQ Data International Collection {$25000.00} US Dept of Education Collection/Charge-off {$3200.00} MB Financial Services Multiple auto loans with incorrect late payments XXXX XXXX XXXX XXXX 60-day lates inaccuracies A ny item reporting incorrect dates or payment histories Under FCRA, I request : Complete documentation validating each account Name, address, and method of verification ( MOV ) Proof of legal assignment for collection accounts Original signed agreement ( s ) bearing my signature Full payment ledgers verifying each late payment If verification can not be provided, please delete the disputed items immediately under FCRA 611 ( a ) ( 5 ) ( A ). 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
RE : INCORRECT PERSONAL INFORMATION To whom it may concern, I was checking my credit report and I have noticed that my Personal Information is still containing some incorrect information. I have already requested you multiple times to remove them. I believe that these items are a result of Identity theft. I am going to do a CFPB complaint against you for not having proper results and responses from you.

So, in this situation, I am requesting you to do a proper investigation and delete incorrect information which was never used by me. They are a result of Identity Theft and the XXXX  Data Breach. This incorrect information is listed on my credit report due to fraud or misjudgment. I am attaching my ID, SSN, and BILL as proof to verify my correct personal information. 
These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX, Texas XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year> Also, the only name, address, social security number, and date of birth that should be reported on my consumer profile are the ones listed above and, in the documents, attached to this letter. Again, anything else should be deleted ASAP from my credit file. 
The personal info is incorrect listed below : 1. Incorrect Name - XXXX XXXX - The following personal information is incorrect - The personal data reporting is inaccurate. 
1. Incorrect Address - XXXX XXXX AV, XXXX, TX, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 
2. Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 
I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. 
PLEASE ALSO NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT OR FREEZING ON MY CREDIT REPORT WITHOUT MY PERMISSION. 
So, go ahead and fix this inaccurate information and get back to me as soon as possible, and I think 30 days should be enough time to fix this problem. If you can update me sooner, that would be better.

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 2025-12-02 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: NV

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 2025-12-02 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: NV

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am not XXXX. I have verbally informed True Accord. However, they are still sending me emails, and once you press the button to set up a payment schedule all of ( XXXX 's personal ) information, such as her address and contact numbers are provided. Below is a copy of a email they have sent : XXXX XXXX XXXX Unsubscribe XX/XX/year>, XXXX to me TrueAccord logo Simply enter a payment amount between {$1.00} and {$340.00} on our website and youre on your way! 
Hi XXXX, Making a partial payment can help you get the ball rolling on this XXXX XXXX XXXX ( current creditor of your original XXXX Bank account ) account. We make it easy to customize your payment amount completely online! 

Once your payment is posted, well send you a confirmation email.

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