vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: NJ

Complaint narrative:
Unauthorized access to my credit report by several companies has negatively impacted both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, they remain on my report. 
This failure to act is unacceptable. The continued presence of these potentially fraudulent inquiries raises serious concerns about identity theft and is causing ongoing emotional and financial distress.

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 2025-07-08 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: CA

Complaint narrative:
This is my final formal complaint against TransUnion regarding multiple unauthorized hard inquiries on my credit report. Ive disputed all of these before repeatedly and submitted full documentation proving identity theft, including my ID, SSN, and address verification. 

Despite that, TransUnion has denied every single dispute with a copy-paste response : The item has not changed. 

They never explained anything. Never showed verification. Never offered help. Just closed each case no phone calls, no emails, no human review. I have disputed through the XXXX  XXXX, and Ive saved every result and response in XXXX  format which I am uploading now. 

These inquiries are destroying my credit and future. Ive done everything right and TransUnion is violating my rights under the Fair Credit Reporting Act by refusing to investigate reasonably. This has caused extreme stress and damage to my finances. 

As a XXXX XXXX XXXX XXXX XXXX I feel dehumanized and disrespected. Every time I said, Thats not mine, they ignored me. This is not just negligence its abuse.

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 2025-07-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I paid a debt in full to Transworld Systems Inc. ( TSI ) on XX/XX/year>, and have confirmation through my bank that the transaction was processed. 

I called to request a written confirmation of payment so I could finalize my housing application. The supervisor I spoke to first claimed there was no payment found, despite me providing correct and verified information. He then falsely claimed there was a second debt for the same property, which is not reflected on my official tenant screening report from XXXX 

This behavior is misleading and delaying my ability to secure housing. Ive made multiple attempts to resolve this issue, but they continue to refuse to provide written confirmation of a resolved and paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: WV

Complaint narrative:
I was contacted by Acimas arbitration company known only as XXXX. I was threatened with lawsuit over answering machine. They also called my fathers cell phone and he died last week. 

This were the msgs left on my answering machine. 
XX/XX/year> XXXX XXXX this is your final attempt regarding claim number XXXX I have reached out to you several times over the last few days and you can not speak that you had no prior knowledge of the claim being filed each time I reached out to you sir it's been documented as of today all like the locations for you are now confirmed now the phone number once again for questions or concerns prior to the claim being filed would be XXXX the claim number would be XXXX this is considered your final notification by telephone unless instructed to do otherwise XXXX XXXX you would not be located at your place of employment XX/XX/year> XXXX XXXX my name is XXXX XXXX I'm actually contacting you regarding your pending claim that are now in the process of being filed to the county now by XXXX XXXX I do need to make you aware want to claim number XXXX is filed there may be an order for your location that since I was unable to reach you by phone today I've been instructed to contact your place of employment as a possible location for you you have the right XXXX XXXX the baby the information at XXXX please referred the phone number XXXX this is considered we got notification by telephone any and all questions going forward would need to be directed to the office handle in the claim The phone number for XXXX ( arbitration ) is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: SC

Complaint narrative:
I am writing to formally address an issue regarding my account and payment history. On XX/XX/year>, I submitted a payment of {$130.00}. Despite my timely submission, I was charged a late fee and the payment was submitted on XX/XX/year> on my statement due to XXXX XXXX  not updating my balance in a timely manner 15 U.S Code 1666b. This negligent act caused by the company, significantly decreased my credit score, and the balance on my account is now inaccurate in violation of 15 U.S. Code 1681i ( 5 ). I have contacted your company multiple times via phone, mail, and fax in an effort to resolve this matter. Despite my attempts, this issue remains unresolved. As a result of this delay, my credit score was significantly impacted. Most concerning, this error has negatively impacted my credit score, which is unacceptable. I sent certified mail and i still haven't received a response from Experian, Equifax, nor TransUnion.

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 2025-07-08 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Property Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Loan Number : XXXX To Whom It May Concern, I am writing to file a formal complaint against Planet Home Lending for mishandling my mortgage loan and insurance proceeds following a disaster and for engaging in deceptive and harmful loan servicing practices that have placed me at risk of foreclosure. 

In XXXX, my property located at XXXX XXXX XXXX, XXXX, GA XXXX, was completely destroyed in a fire. Since then, I have been working with my homeowners insurance company, which has issued payment to Planet Home Lending as the mortgage servicer and listed payee. 

Despite the insurance company submitting the check for the damage over XXXX months ago, Planet Home Lending has continuously delayed processing the funds, either for application toward the mortgage payoff or for property rehabilitation. I have made numerous calls and inquiries, and each time I am given different and conflicting information. Most recently, they are now claiming that they must speak with the investor before making any decision about how to apply the fundseven though the structure no longer exists and I have a pending contract to sell the land. 

After the fire, I was placed on a forbearance plan, which ended recently. I was just informed by a Planet Home Lending representative that unless I pay {$8500.00} by XX/XX/XXXX, they intend to accelerate the loan and begin foreclosure proceedings. 

This is outrageous and unjust. I have acted in good faith throughout this process and have been ready to settle the mortgage using the insurance proceeds. Instead, I have been met with delay tactics and lack of communication from Planet Home Lending, even as the situation has grown increasingly urgent. 

I request the CFPB investigate this matter immediately and compel Planet Home Lending to : Apply the insurance funds toward the payoff of the mortgage or allow them to be used for legitimate repair or sale purposes ; Halt all foreclosure activity and reverse any notice of acceleration ; Provide a clear explanation of where the insurance funds currently stand and a timeline for release or application; Stop any further harassment or threats until this matter is resolved in good faith. 

I can provide documentation, emails, insurance communication, and records of calls if needed. This entire ordeal has caused undue emotional distress and financial uncertainty after already suffering the loss of my home. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$88.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: TX

Complaint narrative:
I believe that Carvana malitciously changed the terms of our agreement and gave me a XXXX instead of the XXXX that I was approved for. In XXXX of XXXX, I began searching for a new vehicle. I went to the Carvana website and chose my vehicle - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$26000.00}. The date of delivery was XX/XX/XXXX. After receiving a different vehicle and I noticed some damage underneath. I contacted Carvana and they told me they would fixed my concerns. I found out that they would not fix the issue of the splash gaurd underneath was ziptied to the carriage and could have caused additional damage if I it got caught on a pothole or speedbump. Then I actually saw they had switch the vehicle to a XXXX wiith a different vin number. I believe Carvana took advantage of a elderly, XXXX, veteran with the intent on selling a lemon and will not fix the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

Complaint narrative:
The documentation I received was insufficient to the information required under the FCBA 15 U.S.C. 1666b. Pursuant to my rights under Section 163 of the TILA, I did not receive the periodic statement including the information required by TILA section 127 ( b ) within 21 days before the payment due date from the creditor. The law states in the FCRA 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under limited circumstances, one of which is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written documentation authorizing this creditor to furnish information on my credit report. FCRA 15 U.S.C. 1681a ( 2 ) explicitly excludes from the definition of " consumer report '' any " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The information the creditor has improperly included in my credit report falls squarely within this exclusion, as it pertains only to my direct transactions and experiences with the company. Furnishers of information to consumer reporting agencies have the following responsibilities under FCRA 15 U.S.C. 1681s-2 : Duty to provide accurate information and duty to correct and update 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 2025-07-08 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief