vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-29 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and potentially unauthorized items appearing on my credit report. These entries are misleading and negatively impact my creditworthiness. 
XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} * * This account is being reported as a charge-off. I dispute the accuracy of this reporting and request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to ensure it is accurate and complete.The following inquiries were either unauthorized or improperly reported and must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have identified the following inquiries appearing on my credit report that I have not disputed here but note for reference : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and potentially unauthorized items appearing on my credit report. These entries are misleading and negatively impact my creditworthiness. 
XXXX  XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} * * This account is being reported as a charge-off. I dispute the accuracy of this reporting and request a full reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to ensure it is accurate and complete.The following inquiries were either unauthorized or improperly reported and must be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have identified the following inquiries appearing on my credit report that I have not disputed here but note for reference : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have no knowledge to this debt or this company. A company named Credit Collection Service was added to my account on XX/XX/year> for XXXX I have no knowledge to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
The loan was reported as paid off on my credit report. The company refused to report activity to 2 of the 3 credit agencies. It appears the loan was charged off at one point. Need a credit report to see if any 1099 filings have occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of a scam and {$10000.00} was fraudulently transferred from my XXXX XXXX  XXXX account to an account at SoFi Bank. XXXX XXXX XXXXXXXX immediately initiated recovery efforts and later informed me that SoFi required a hold harmless letter. 

At the end of XXXX, XXXX XXXX XXXXXXXX re-sent the hold harmless letter directly to SoFi using the contact information SoFi provided. Following this, I personally contacted SoFis claims department. On XX/XX/XXXX, SoFi confirmed via email that my claim had been received and stated that POA/hold harmless requests would be processed within 10 business days.

It has now been over 10 business days, and I have received no update, no confirmation of processing, and no communication from SoFi. This delay is preventing recovery of my funds and causing significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld Systems Inc. is attempting to collect an alleged XXXX XXXX debt in the amount of {$460.00} ( account ending in XXXX ). I received a letter dated XX/XX/year>, but I dispute this debt and have requested full validation, including the original signed agreement, a complete account history, and documentation proving their legal right to collect. They have not provided the information. I also received a letter from XXXX XXXX stating they transferred the account, which means Transworld must prove the chain of assignment. I am concerned this debt may be reported inaccurately to the credit bureaus without proper validation, violating the FDCPA and FCRA. I request that CFPB investigate and require validation or removal of any unverified reporting.

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 2025-09-29 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IL

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 explanation
Consumer complaint received 2025-09-29 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: CarMax, Inc.
State: AL

Complaint narrative:
CarMax Auto Finance is unlawfully reporting an account that was previously deleted due to identity theft. The account ( No. XXXX ) was removed from my credit reports after a formal dispute and investigation. Months later, it was reinserted without notice, violating : FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted information must be certified and the consumer notified within five business days.

FCRA 605B : Identity theft accounts must be blocked upon receipt of a valid identity theft report.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

CarMax failed to provide any certification of accuracy or notification. Their continued reporting of this fraudulent tradeline is reckless and unlawful.

Case Law Supporting My Complaint : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) Relief Requested : Permanent deletion of Account No. XXXX from all credit reporting agencies Written confirmation of deletion Civil penalties for willful noncompliance Preservation of my right to pursue private litigation under FCRA 616617

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DC

Complaint narrative:
I have a student loan I have always had automatic draft when the Biden administration issues a forgiveness I qualified. I was told when I called on Monday XX/XX/year> I spoke with an agent named XXXX I was told that the forgiveness was still in place and that I would be notified if and when things would change I even verified that my banking information was still in place and he confirmed it. I never got a call or letter but in XXXX my credit report reflected a 90 day late which killed my ability to get a job and to purchased a home. I have been calling and writing letters since I saw this on my report and even when I tried to make payments there was still confusion, it took me 6 months of calling and trying to pay to get back on track but the depart of ed has reported me 90 days late every month. I read that this has affected 11 million americans and I one of them please help I have no where else to turn.

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 2025-09-29 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: DC

Complaint narrative:
I have a student loan I have always had automatic draft when the Biden administration issues a forgiveness I qualified. I was told when I called on Monday XX/XX/year> I spoke with an agent named XXXX I was told that the forgiveness was still in place and that I would be notified if and when things would change I even verified that my banking information was still in place and he confirmed it. I never got a call or letter but in XXXX my credit report reflected a 90 day late which killed my ability to get a job and to purchased a home. I have been calling and writing letters since I saw this on my report and even when I tried to make payments there was still confusion, it took me 6 months of calling and trying to pay to get back on track but the depart of ed has reported me 90 days late every month. I read that this has affected 11 million americans and I one of them please help I have no where else to turn.

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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit 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 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NC

Complaint narrative:
Requested debt validation recieved copy of card statement and paper that said bill of sale no chain of custody no original contract XXXX  believe this debt was securitized still wait on this information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: OH

Complaint narrative:
I was trying to get a new truck when I saw several unkown accounts on my credit fi le from companies I have never done business with. I am disputinga FCRA 15USC 1681 AND FDCPA 15 USC 1692 Unverifi able accounts : 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 I have reported these items to CFPB and XXXX XXXX XXXXXXXX

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 2025-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage will not stop charging me PMI insurance even though they keep telling me my value is way over the required 20 %. I've messaged them in my secure message area in my account, but they refuse to answer. 
They keep trying to call me and their calls go into spam. I was told to contact through my secure messages only, so why do they keep calling? I don't know who is calling and as an XXXX XXXX I'm afraid of scam calls. They also send me junk mail about refinancing and equity loans and all else to make them money, but can not write a letter to explain why they are over charging me? 
We are barely making ends meet and this additional unnecessary PMI, when my value is almost double is concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-29 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: TX

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

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 2025-09-29 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: DC

Complaint narrative:
I have a student loan I have always had automatic draft when the Biden administration issues a forgiveness I qualified. I was told when I called on Monday XX/XX/year> I spoke with an agent named XXXX I was told that the forgiveness was still in place and that I would be notified if and when things would change I even verified that my banking information was still in place and he confirmed it. I never got a call or letter but in XXXX my credit report reflected a 90 day late which killed my ability to get a job and to purchased a home. I have been calling and writing letters since I saw this on my report and even when I tried to make payments there was still confusion, it took me 6 months of calling and trying to pay to get back on track but the depart of ed has reported me 90 days late every month. I read that this has affected 11 million americans and I one of them please help I have no where else to turn.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

Company response to consumer: Closed with non-monetary relief