vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MN

Complaint narrative:
Due to a recent data breach, my personal information was exposed and subsequently used without my knowledge or authorization. As a result, inaccurate personal details, such as names not associated with me, have been added to my credit report. I did not provide consent for this misuse of my identity. 

I am formally requesting that you conduct a thorough reinvestigation of the incorrect personal information under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Any details that are inaccurate, unverifiable, or appear to be the result of identity theft should be removed from my credit file immediately. I have included supporting evidence, including an Identity Theft Report, to assist with this process.

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 2025-04-24 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX 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 2025-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My husband and I applied for a Home Equity Line of Credit ( HELOC ) with Huntington Bank in early 2023, working directly with XXXX XXXX ( XXXX ID XXXX ). Throughout multiple in-person meetings, phone calls, and emails, we clearly and consistently communicated that our intent was to apply for a HELOC. 

At one point during the process, XXXX referred us to a fixed-rate loan officer, which confused us given our stated preference. However, we chose to give her the benefit of the doubt and continued with what we believed was the HELOC application. We completed and signed the Uniform Residential Loan Application, a standard form often associated with mortgage or HELOC applications, and at no point were we informed that the product could or would be changed. 

It wasnt until several months later, when preparing to file taxes, that I discovered the line we had received was not a HELOC but a secured personal credit linea product that does not qualify for tax-deductible interest. Upon realizing this, I closed the account immediately to prevent further financial consequences. 

When we chose to work with XXXX, we understood she was new to the industry and hoped to support her in building her professional experience. Unfortunately, this experience has left us deeply disappointed. It feels like a classic bait-and-switch, and we are now left questioning whether this redirection benefited her financially through multiple commission paths, or because the personal credit line offered greater compensation. 

Im bringing this to your attention because this practice feels misleading and unacceptable. I believe others deserve transparency in the financial products theyre offered, and I hope this prevents future customers from encountering a similar situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MO

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm seriously frustrated and confused after seeing an unauthorized inquiry on my credit report this morning. I check my report often, and this is the first time Ive seen something so concerning. I even refreshed the page thinking it might disappear, but it didnt. I need this resolved nowplease review the documents Ive already provided to get this sorted fast.

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 2025-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I formerly used PayPal to collect rent from a tenant. That tenant disputed her rent charges on PayPal ( although she claims she was scammed ). I contacted PayPal and they told me all they would need was a copy of the lease and they would fix it. I submitted a copy of the lease as well as a written statement from my tenant claiming she did not dispute the charges. They ended up siding with the buyer/buyer 's bank anyway and are telling me I have a {$4800.00} negative balance in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NY

Complaint narrative:
On the morning of XX/XX/XXXX I woke up to an email from USbank advising that " my travel dates '' were received. I did not make any such request and checked my bank account. There were 3 charges made after XXXX XX/XX/XXXX for {$390.00} for XXXX XXXX XXXX XXXX ; {$2000.00} for XXXX XXXX XXXX XXXX ; and {$730.00} for XXXX XXXX XXXX XXXX . I immediately called my bank at XXXX advising them I am not traveling and I did not make those charges. the charges were in " pending '' status and I asked them to be denied as I did not make those transaction. I was told that was not possible as it's my word against the vendor ( in XXXX ). I advised USbank I was in NY and had just used the one and only debit card at XXXX in New York for gas. They still would not deny the pending charge. 
I immediately went to my NY State Troppers police department headquarters with my physical card and explained what happened. They helped me file a police report and took a photocopy of my card. 
I relayed all this information to USbank and they said they would investigate. I again stated that I was in NY ( used my card for gas ) and could not be in XXXX and was at work all day XX/XX/XXXX and could provide documents from my employer. 
On XX/XX/XXXX a letter was issued by USBank denying the fraud claim stating based transaction ( s ) and account history, location and pattern of use. I only use the account / card for my mortgage payment, gas and groceries. I will attach the last 2 months statement showing that! The card has not been used out of the country and I have no idea what that means. I made calls to USbank for more information twice ( last call was on XX/XX/XXXX ) and have not received a call back for more information. I don't even know what product or services the merchant provides other than a XXXX search that it's some type of construction / building industry. 
I did not make these transactions. I need help. It's not a lot of money to most, but {$3100.00} is a lot of money to me. 
Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau instruct the credit bureaus to update the following accounts to reflect their correct current status : 1. XXXXXXXX XXXX This account is incorrectly showing as derogatory. It needs to be updated to reflect Current or Paid as Agreed across all bureaus. 
2. XXXX XXXXXXXX XXXX This account is also still marked as derogatory. It is a closed account and should be updated to remove the late notation and show standard closed/paid status.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to th
is debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a frau
d against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-24 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX. 

I submitted a sworn affidavit, a declaration of harm, and supporting documentation to American Credit Acceptance ( ACA ) regarding their inaccurate and deceptive reporting of a joint auto loan account charged off in XXXX. Despite multiple disputes and proof of identity theft-related harm, ACA continues to report the account as open with monthly charge-offs through XXXX, which is illegal re-aging and noncompliant with FCRA 623 ( a ) ( 5 ), XXXX XXXX, and FDCPA provisions. 

ACA also acknowledged deferment under a natural or declared disaster from XX/XX/XXXX through XX/XX/XXXX, yet continued derogatory reporting throughout that period, which violates disaster relief guidelines. 

My final submission includes 8 documented FCRA, FDCPA, and XXXX XXXX violations, and Ive formally demanded permanent deletion under FCRA 605B. Even if the account is deleted, I reserve my right to sue for statutory damages of $ XXXX and emotional distress. 

I uploaded a complete PDF package with all legal citations, proof of violations, and ACAs own prior CFPB response as XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I never opened these accounts, yet they are being reported under my name, creating a false and damaging representation of my financial history. This is unacceptable, and I need immediate clarification on why this is happening.

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 2025-04-24 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: FL

Complaint narrative:
I am submitting a formal complaint regarding multiple automotive-related credit inquiries reported by TransUnion on my consumer credit report. 

Specifically, inquiries were recorded on : XX/XX/year> XX/XX/year> I am aware that the Fair Credit Reporting Act ( FCRA ) and major credit scoring models allow for rate shopping protections, treating multiple auto loan inquiries within a 1445 day window as a single inquiry to avoid unfair score impacts. However, I did not authorize any credit applications related to vehicle financing during this time period, nor did I engage in any auto loan shopping activity. These inquiries appear to have been made without my knowledge or consent. 

FCRA Violations and Concerns These actions may violate the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681b ( f ) Permissible purposes for accessing a consumer report 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) A credit report may only be pulled when a consumer initiates a credit transaction Even if these were interpreted as part of a rate shopping period, the lack of consumer authorization and the absence of any automotive-related transaction still raise serious legal and ethical concerns.

Requested Resolution I respectfully request the CFPB to : Investigate these inquiries and confirm whether any authorization or permissible purpose existed Require TransUnion to provide documentation verifying my consent or application related to these entries

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 2025-04-24 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: HI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-24 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: AL

Complaint narrative:
Theres an entry that doesnt belong to me and is being reported inaccurately. After reviewing my records, I can say with full confidence that the details listed do not reflect my credit history, and I believe this may be due to an error or a case of mixed 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 non-monetary relief