vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
XXXX XXXX Dear Transunion, I just viewed my credit report, and I observed hard inquiresXXXX that don't have permissible purpose according to the Fair Credit Reporting Act anything furnished on my consumer report must have permissible purpose according to 15 U.S.C 1681b Hard Inquires XXXX XXXX  ( XXXX  ) XXXX XXXX Delete this hard inquires because it doesnt have permissible purpose according to 15 U.S.C 1681b. XXXX ( Hotel and Travel ) 01/09/2024 Delete this hard inquires because it doesnt have permissible purpose according to 15 U.S.C 1681b.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
Since XX/XX/XXXX, I have made multiple requests to Equifax to remove various inaccuracies from my credit report, from unauthorized inquiries to the reporting of outdated accounts, and yet they have failed to correct any of the disputed information or prevent the continued reporting of outdated account data in violation of FCRA, 15 U.S.C. 1681c and 1681i ( a ).

As of the date of this complaint, unauthorized inquiries remain in my credit report and the outdated accounts are not only allowed to remain in my credit report but still continue to be updated each month. Furthermore, Equifax is still reporting medical debt on my credit file, which is in direct violation of the CFPB Final Rule requiring the removal of all medical debt from consumer credit reports effective XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: OH

Complaint narrative:
On XX/XX/year> I reviewed my credit report and noticed fraudulent I requested an investigation after filing a FTC report. TRANSUNION reviewed my complaint and still did not resolve the issue. On XX/XX/year> I reviewed and noticed these accounts still on my report. I am requesiting an immediate reinvestigation and request Proof of their investigation results, the methods used and the person they spoke to as well as their business information. How is it possible to verify an account when I am a victim a fraud. Please delete these accounts from my credit report immediately. I have attached the accounts on the FTC report.

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 2025-06-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Under RESPA, a servicer must respond to a Qualified Written Request ( QWR ) >>. While the servicer can engage with their attorney for advice on how to comply with the QWR, the ultimate responsibility for responding rests with the servicer, not just their attorney. The servicer needs to either correct the account, provide a written explanation for why the account is correct, or provide the information requested by the borrower. 
Here 's a more detailed explanation : XXXX 's XXXX : RESPA mandates that mortgage servicers respond to QWRs, which are written requests for information or to dispute an error related to the servicing of a loan. 
Response Time : The servicer must acknowledge receipt of a QWR within XXXX business days and respond fully ( correcting the account, providing an explanation, or providing the requested information ) within XXXX business days. 
Attorney 's Role : While the servicer can seek legal advice from their attorney, the attorney 's role is advisory. The servicer can not simply have their attorney handle the entire response and avoid their own responsibilities under RESPA. 
Compliance : The servicer is ultimately responsible for ensuring that their response to the QWR is proper and complies with RESPA requirements. 

We also are disputing the payoff statement of XX/XX/year> and this is a XXXX to Carrington regarding the Other Unpaid Expenses {$8000.00}. We are requesting a full accounting for the dates, who the fee was for, each amount of the fee, for FCL Service Costs {$4600.00} and XXXX XXXX Costs {$3100.00}. Also in the XXXX we are requesting Carrington explain why are most XXXX previous payoff requests were ignored by Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
In XX/XX/2024, a collection account in the amount of {$100.00} was opened and reported to all three credit bureaus by XXXX XXXX on behalf of XXXX XXXXXXXX XXXX XXXX ( XXXX ). 

I never received any billing statements or final notices from XXXX regarding this debt prior to its placement in collections. Additionally, XXXX XXXX never sent me a debt validation notice, as required by the Fair Debt Collection Practices Act ( FDCPA ), before reporting this collection account. 

I was unaware of this alleged debt until it appeared on my credit report and have not received any documentation that clearly explains the charges or establishes my responsibility for this amount. 

I am formally disputing this account and requesting a full investigation into its accuracy and reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
The account was last paid on XX/XX/XXXX but is being reported as newly charged off in XX/XX/XXXX. This may be an unlawful re-aging of the debt, violating FCRA 605 ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
In XX/XX/year>, a collection account was opened by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX for the amount of {$150.00}. 

I have since paid this account in full, and the balance now reflects {$0.00} across all three credit bureaus. However, the account is still listed as a collection/chargeoff, which continues to negatively affect my credit score. 

I am respectfully requesting that, in recognition of the fact that this debt has been resolved, the collection account be removed entirely from all credit reporting agencies ( TransUnion, Experian, and Equifax ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NV

Complaint narrative:
XXXX XXXX is Showing as a charge off with a balance. Account was paid in full. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX I am writing to formally dispute the accuracy of certain information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that the following accounts are being reported inaccurately, violating my rights under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) : Account Name : XXXX XXXX XXXX XXXX Reported Balance : {$2400.00} Opened Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Closed Date : XX/XX/XXXX These accounts contain discrepancies, including conflicting statuses ( closed vs. open ) and inaccuracies regarding the original creditor 's information. Furthermore, the information reported does not comply with 15 U.S. Code 1681c-2, which mandates that a consumer reporting agency must block the reporting of any information resulting from alleged identity theft within four business days of receipt of identification.

In accordance with 15 U.S. Code 1681, I assert my rights to privacy and confidentiality, and I am requesting that you provide me with the original copy of the agreement and the terms and conditions related to these accounts. 
Failure to comply with my request to delete these accounts will result in a potential claim for damages of {$1000.00} per account, as stipulated under the FCRA. I expect that you will act to block these transactions from being reported on my consumer report within four days from the date of receipt of this notice. 
I look forward to your prompt response and resolution to this matter. 
Sincerely, 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 2025-06-28 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
XXXX XXXX Dear XXXX, I just viewed my credit report, and I observed hard inquires XX/XX/year> that don't have permissible purpose. I also attached evidence. 
Hard Inquires XXXX XXXX ( XXXX  ) XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 U.S.C 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX According to my records, this account is either inaccurately reported or should no longer appear on my credit profile. 

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health. 

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely. 

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citi bank closed my account and sent me a notice saying that I would receive my remaining funds from the account within 60 days of account closing, its been 8 months and I still havent received my funds of XXXX. Every time I call they give me the run around on the phone or either the phone just hangs up. Acc # XXXX checking. I also spoke with someone in the fraud department and they say they didnt see anything wrong. Citi Bank address : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX 
Thanks

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 2025-06-28 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: TN

Complaint narrative:
I never done business with any lender. I was never advised there would be an inquiry on my account. Everything I call the company I am directed an automated system advising me to send a letter in the mail. This is unacceptable and extremely outdated. The inquiry should not be on my report to begin with and I feel this is fraudulent and predatory. There isn't even a convenient way to speak with a representative to resolve the issue. I did not consent to or authorize nor benefit from any of the following inquiries. Please Block and remove it.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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-06-28 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/2024 last report im not sure whats going on of price or why I have it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A few months ago I received a letter in the mail stating that I borrowed money from Truist Bank. This is not a bank that I have ever dealt with. When I contacted them and explained this and asked where the loan request was made, I was told it was taken at a bank, out of state. I asked for the full account number but they couldnt tell me unless I gave them my social security number. I told them that I would not do that without them providing me with more details about a loan that they said I received from the bank. I have lived in Florida for XXXX  years and would never go out of state to take a loan from a bank that is not where I live. I told them that they had the wrong person and that I was not paying for a loan that I did not receive. They told me that they could not handle the matter over the phone and that I needed to go into the bank to resolve the issue. 

After I was unable to resolve it with Truist Bank over the phone, I wrote a letter to the business approximately 3 months ago, requesting the original contract. In the letter, I informed them that this was a fraudulent act. As of XX/XX/25, I have not received the original contract. Instead, I received another letter stating that they would be willing to negotiate a lower settlement amount. ( Letter is attached ) This is not my loan so I am not willing to negotiate any lower amount to pay a debt that I did not create. None of my credit reports indicate that a loan was taken from this company, as they stated. 

Your assistance with this matter is appreciated.

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 2025-06-28 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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