vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-22 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am not sure if the dates. My credit score had a balance of {$89.00}. The account was opened XX/XX/year>. I did not open this account. I have never been to Delaware. And I am under the impression the number listed under the credit report is a fraudulent number.

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 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Called company; explained that I have payments sent directly on same date each month automatically. They said they changed due dates and my payment arrived a day late. I explained that I understood that the CFPB had lowered fees to {$8.00}. They said, " No sir, that's not correct. ''

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 monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
Planet Home Lending LLC, servicer of FHA-backed loan modified XX/XX/XXXX, to {$250000.00} principal at 3 % interest, provided incomplete payment history on XX/XX/XXXX, in response to QWR dated XX/XX/XXXX. History omits 72+ months ( XXXX XXXX XXXX ), starting XX/XX/XXXX, at {$230000.00} balancewillful spoliation violating RESPA ( 12 U.S.C . 2605 ) and TILA ( 15 U.S.C. 1638 ). $ XXXX paid since XXXX yields only {$15000.00} {$20000.00} principal reduction ; math at 3 % projects {$23000.00} {$25000.00} drop over 48 months ( formula : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), confirming $ XXXX unapplied/diverted funds. XXXX  chain gap since XX/XX/XXXX ( MIN inactive ), uncured by HUD modvoids note under XXXX XXXX XXXX. XXXX. Servicer rep XXXX ( XX/XX/XXXX ) redirected to county for title, admitting no recordsdeceptive under 12 C.F.R. 1024.33. This fraud targets protected-class borrower, breaching XXXX XXXX. XXXX ( XXXX ) ( i ). Demand : Cease collections, full reconstruction ( XXXX ), $ XXXX refund, lien release, Judgment Fund referral ( 31 U.S.C. 1304 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-22 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-22 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XXXX, I called to report two fraud charges on my credit card account both the exact same about to the same thing through Bank of America . {$4900.00} ( Twice ) I called within 24 hours of this pending unknown payment. They canceled my credit card and sent temporary credit. 

A couple weeks ago, I got a strange unknown package at my house- not address to me, not my contact phone number. I tried to contact both the sender and the person that was suppose to receive it but all of it was fake. I gave this information to the police as well- and they have pictures of item and very suspicious box. 

My claim was said to be denied on XX/XX/XXXX, because merchant had picture of this box at my house. So not only did Bank of America take this as proof as a box that didn't have my name or receipt from me, they took the word of a scammer. The amount was put back on my account. Which Bank of America ( who I have been a costumer for 18 years ) said they have a {$0.00} liability for fradulant purchases- now has lost my trust. 

I have no contact information for this " merchant '' except for a number that was on the charge- but it is no longer connected. I have filed things through Idenity theft, FBI, and have locked my credit. I'm seriously so upset with Bank of America 's Fraud department that I thought this was a company that I could trust.

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 monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Upon reviewing my credit report, I noticed a hard inquiry that I did not authorize. As a consumer, I expect my credit profile to reflect only accurate and verifiable information. This inquiry does not meet that standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Identity Theft Victim I am writing to formally dispute the following fraudulent hard inquiries appearing on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These inquiries were not authorized by me and are the direct result of identity theft, as confirmed in my FTC Identity Theft Report No. XXXX ( attached ). Under penalty of perjury, I have affirmed this report to the Federal Trade Commission. 

My personal information was exposed in several major data breaches, including but not limited to XXXX, XXXX, Equifax, Experian, and TransUnion. These breaches compromised my personal identifying information, making me a target of fraudulent credit activity. 



Legal Basis for Immediate Deletion Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ) : Requires credit bureaus to block and remove any information resulting from identity theft within 4 business days of receiving an Identity Theft Report.

FCRA, 15 U.S.C. 1681i ( Section 611 ) : Mandates that credit bureaus conduct a reasonable reinvestigation. Since no permissible purpose can be verified for these inquiries, they must be deleted.

FCRA, 15 U.S.C. 1681b : States that a consumer reporting agency may furnish a report only with the consumers consent or under permissible purposes. These inquiries fail this requirement.

Consumer Financial Protection Bureau ( CFPB ) Guidance : Consumers can not be held responsible for fraudulent credit activity tied to identity theft.

Demand for Relief I demand that the above hard inquiries be permanently deleted from my credit reports at Experian, Equifax, and TransUnion immediately.

Failure to comply with this request will constitute a direct violation of federal law, including the FCRA and my rights under 605B protections. If this dispute is not resolved in full, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney General, and the Federal Trade Commission.

Attached Evidence 1. FTC Identity Theft Report No. XXXX ( signed & dated XX/XX/XXXX ) 2. Copy of government-issued identification 3. Proof of current address ( utility bill, lease, etc. ) Closing This is a formal demand under federal law. Please provide me with written confirmation that these fraudulent inquiries have been removed within the statutory timeline. 

Sincerely, 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 2025-08-22 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: OH

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Unauthorized Hard Inquiries Identity Theft Victim I am writing to formally dispute the following fraudulent hard inquiries appearing on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These inquiries were not authorized by me and are the direct result of identity theft, as confirmed in my FTC Identity Theft Report No. XXXX ( attached ). Under penalty of perjury, I have affirmed this report to the Federal Trade Commission. 

My personal information was exposed in several major data breaches, including but not limited to XXXX, XXXX, Equifax, Experian, and TransUnion. These breaches compromised my personal identifying information, making me a target of fraudulent credit activity. 



Legal Basis for Immediate Deletion Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( Section 605B ) : Requires credit bureaus to block and remove any information resulting from identity theft within 4 business days of receiving an Identity Theft Report.

FCRA, 15 U.S.C. 1681i ( Section 611 ) : Mandates that credit bureaus conduct a reasonable reinvestigation. Since no permissible purpose can be verified for these inquiries, they must be deleted.

FCRA, 15 U.S.C. 1681b : States that a consumer reporting agency may furnish a report only with the consumers consent or under permissible purposes. These inquiries fail this requirement.

Consumer Financial Protection Bureau ( CFPB ) Guidance : Consumers can not be held responsible for fraudulent credit activity tied to identity theft.

Demand for Relief I demand that the above hard inquiries be permanently deleted from my credit reports at Experian, Equifax, and TransUnion immediately.

Failure to comply with this request will constitute a direct violation of federal law, including the FCRA and my rights under 605B protections. If this dispute is not resolved in full, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney General, and the Federal Trade Commission.

Attached Evidence 1. FTC Identity Theft Report No. XXXX ( signed & dated XX/XX/XXXX ) 2. Copy of government-issued identification 3. Proof of current address ( utility bill, lease, etc. ) Closing This is a formal demand under federal law. Please provide me with written confirmation that these fraudulent inquiries have been removed within the statutory timeline. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ), Experian, and TransUnion for knowingly and willfully misreporting a charged-off personal loan in violation of multiple federal statutes, despite my prior CFPB complaint in XX/XX/year> that resulted in XXXX  permanently XXXX this same tradeline as unverifiable. As of XX/XX/year>, Experian reports Account charged off. {$2900.00} written off. {$4400.00} past due as of XX/XX/year>, while TransUnion reports Charged off as bad debt. Profit and Loss write off with a {$4400.00} balance. This contradictory reporting simultaneously claims the account is closed, charged off, written off, and still past due, which is factually impossible and constitutes violations of the Fair Credit Reporting Act ( FCRA 1681e ( b ) failure to ensure maximum possible accuracy ; 1681s-2 ( a ) ( 1 ) ( A ) furnishing false and misleading data ; 1681s-2 ( b ) ( 1 ) ( B ) ( D ) failure to reasonably investigate and correct ; 1681i ( a ) failure to reinvestigate disputed items ), the Fair Debt Collection Practices Act ( FDCPA 1692e ( 2 ) ( A ) false representation of the character, amount, or legal status of a debt ; 1692f ( 1 ) collection of amounts not permitted by law ), the Consumer Financial Protection Act ( 12 U.S.C. 5531 unfair, deceptive, and abusive acts and practices ), and the Internal Revenue Code ( 26 U.S.C. 6050P mandatory issuance of Form 1099-C upon discharge of {$600.00} or more; continued reporting without issuance constitutes misrepresentation and possible violation of 18 U.S.C. 1001 for knowingly concealing federally required information ). By maintaining irreconcilable balances and statuses, Experian and TransUnion are knowingly publishing inaccurate data while XXXX has failed its statutory duty to furnish accurate information and correct errors, directly harming my creditworthiness and financial stability. XXXX deletion already proves this tradeline can not be verified ; continued reporting by Experian and TransUnion is therefore reckless, unlawful, and willful noncompliance under FCRA 1681n, 1681o. I demand immediate and permanent deletion of this tradeline from Experian and TransUnion, written confirmation that it will not be re-reported, reassigned, or sold, and acknowledgment of whether a 1099-C was filed. Failure to comply will result in further regulatory escalation and legal action for statutory, punitive, and actual damages under the FCRA, FDCPA, CFPA, IRS regulations, and applicable federal 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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-22 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When I check my XXXX score through my Capital One account, it shows six late payments within the past 3060+ days. However, when I review my credit reports directly, I do not see any late payments listed. 

All of my accounts are on autopay, and I have not been able to identify any missed or late payments. Could you please advise me on how to resolve this discrepancy? 

Thank you for your assistance.

Company response to consumer: Closed with explanation