vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The debt collector first called and I disputed with them XXXX they never responded. I called them on XX/XX/2025 and was told that they do not have to provide any proof of debt and its valid. Then I sent them the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Kindly examine the supplied content ; the questions were received with no prior indication and might be unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: WA

Complaint narrative:
Unknown person was able to access my Transunion account on XXXX and obtain my credit report, add information to my account and applied for credit at numberous financial institutions. I placed a fraud alert and locked my credit. Transunion did remove name, address and Phone # that was not mine but would not remove the 15+ unauthorized hard pulls on my credit report. They said I had to contact each financial instutitution to have it removed.

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 2025-11-17 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: FL

Complaint narrative:
I received a bank statement from US BANK to my business address for a business checking account that was fraudulently established with them using my XXXX, XXXX XXXX XXXX. I contacted US BANK and they would not provide any information except that they agreed based on the strange pattern of transactions, that it was likely fraud and closed the account. They have since sent me a check for the balance of what was in the account after it was closed. I have not, and will not, cash this check.

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 2025-11-17 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: IL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. Upon review, I found information that appears to be outdated or inaccurate. I respectfully ask that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : Unknown - XXXXXXXX XXXX XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. - Remove it from my credit report. 

Unknown - XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. - Remove it from 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 2025-11-17 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: IL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution.

Unauthorized inquiries to be removed : [ XXXX XXXX XXXX XX/XX/year> ] [ XXXX XXXX XXXXXXXX ] [ XX/XX/year> ] [ XXXX XXXX XXXX [ XX/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 2025-11-17 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: CBC Companies, Inc.
State: AR

Complaint narrative:
I 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 need to report that there are fraudulent accounts on my credit report, and I urgently need TransUnion to block and remove them. I feel unprotected, because contacting them is almost impossible they hang up the calls, communication is very difficult, and some representatives have been rude and disrespectful. 

I am frustrated and upset because I sent all the documents exactly as requested, yet they keep asking for them again, claiming they dont have them. 

I need TransUnion to take immediate action and resolve this situation. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  collectionXXXX {$0.00} XXXX XXXX collection-XXXX- {$0.00} XXXX XXXX {$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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
In early XX/XX/year> Pennymac reached out to see if I wanted to refinance my VA loan with a lower rate. They said they could provide a lower monthly mortage payment that included the escrow for taxes and insurance. My previous mortage payment was $ XXXX/month. They offered a 5 % interest rate and a monthly payment of {$2800.00} including taxes and insurance. On XXXX first my escrow payment went up by {$840.00}. When I reached out to Pennymac to ask about the increase they said that my escrow account was insufficient. They had to raise that amount to cover the deficiency and continue so that it would not become insufficient again. I asked them if my taxes or insurance had gone up. They said they had not. When I asked about the increase and they said they were not taking out enough. I asked how they could have miscalculated since nothing had changed since the refinance and shouldnt they have known that they were not taking out the correct amount? They said Im sorry, but you have to pay.

I believe that in order to close the loan and receive the commission the agent lied to me and did not disclose that he was not taking out enough in the escrow. I find myself in a situation where I can not afford the increase. When I filed a complaint with Pennymac they were able to lower the payment by nearly $ XXXXmonth. However that increased the number of payments. 

I reached out to Veterans Affairs and they said any charges such as the {$12000.00} I paid in closing costs had to amortize in 3 years. At this new rate it can not amortize in 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint because TransUnion is reporting multiple inaccurate, unverifiable, duplicated, unauthorized, and fraudulent items on my credit file which are causing severe harm to my financial opportunities, credibility, and overall consumer rights. Despite my attempts to correct these errors, the credit bureau has failed to maintain the accuracy required under FCRA 602, 607 ( b ), and 623. The furnished information includes a wrong address that I never lived at, false late payment entries reported by XXXX duplicated derogatory accounts reported multiple times, a fraudulent charge-off from XXXX XXXX XXXX XXXX {$0.00} balance, that I never authorized. These violations have created a mixed file situation and put my identity at serious risk. I am requesting immediate CFPB intervention and regulatory investigation into why such inaccurate and harmful information is being allowed to remain in my consumer file without proper verification. 
XXXX XXXX XXXX XXXX, TX XXXX This address does not belong to me. I never lived here, never used it, never provided it to any creditor. Reporting an incorrect address violates FCRA 607 ( b ) because the credit bureau must maintain maximum possible accuracy. This incorrect address also puts my identity at risk and suggests possible mixed files. I demand immediate deletion.

LEGAL GROUNDS FOR COMPLAINT FCRA 602 requires consumer reporting agencies to ensure fair and accurate reporting.

FCRA 607 ( b ) requires maximum possible accuracy.

FCRA 611 requires proper reinvestigation of disputes. 
FCRA 623 prohibits the furnishing of false, inaccurate, or unverified information.

FCRA 604 prohibits unauthorized credit pulls.

Duplicate derogatory entries and false late payments violate federal reporting accuracy standards. 
HARM CAUSED TO ME These inaccuracies have lowered my credit score, resulted in loan denials, created emotional distress, and caused reputational harm. These errors are preventing me from securing proper housing opportunities and credit-based services. I am experiencing real financial loss due to the negligence of the reporting agencies and furnishers. 
REQUEST FOR CFPB ACTION I request that the CFPB : 1. Begin a full investigation into XXXX and the reporting furnishers.

2. Require deletion of the wrong address.

3. Require deletion or correction of all false late payments. 
4. Require deletion of the false charge-off.

5. Require deletion of the unauthorized hard inquiry.

6. Require TransUnion to provide documentation proving the accuracy of all disputed items.

7. Require the furnishers to produce signed contracts, payment records, and authorization forms or delete the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MD

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit.

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: UT

Complaint narrative:
i found out via a text that an amount was alleged by an outside collections company ( SRM source receivables management ) from an old XXXX account i was told was paid off last Thursday XX/XX/year>. I was told by XXXX XXXX over phone there was nothing left on account for equipment of alarm system. i asked if i could stop paying the monthly serfvice fee ... thats your choice sir but i dont see you owe anymore on the equipment. as well XXXX XXXX NEVER produced any tally on where i stood with the remaining balance. upon logging into 'account page ' website all you see is remaining balance of XXXX or the monthly fee of XXXX of service ( which i no longer needed or wanted ). 

Even after calling to XXXX + most employees time after time, refused to answer or disconnected call when asking for remaining balance. cut to today.... upon asking for verification, all they did was state that there was an amount ( {$520.00} ) but no breakdown of what remained on account or why. I also had asked over telephone to the original alleged owner of debt ( XXXX XXXX ) and they refused to send any letter saying that 'sometime in the past they had notified me at an old address so that was enough '. no dates of fees or accounting of original agreement. 

separate issue : in addition to that, the debt collector is REQUIRING a settlement amount be paid AFTER going to a payment site that prompts me to continue with a NEW agreement disclaimer that says all previous agreements you were just given are null and void written or otherwise. no way to pay securely or without that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX, my vehicle was repossessed from my home by Capital One, which hired a repossession company called XXXX XXXX in XXXX XXXX, Nevada. After calling local authorities, they confirmed that it was indeed Capital One. 

After waiting for an hour on the phone, I was finally connected to a Capital One representative who asked me for an account number. I informed the representative that I do not have an account with Capital One, but that my vehicle had been repossessed. After almost XXXX hours of waiting, a XXXX finally asked for my VIN number and stated that the vehicle in question was not mine. I insisted that the vehicle was mine and explained that I have the title, registration, and purchase receipts. 

They claimed there was a lien on the vehicle and that a balance was owed. I informed them that there is no XXXX, as the title would indicate. Additionally, I mentioned that I would not have been able to register the vehicle if there was a lien. They then requested that I send my title via email. 

After XXXX days, on XX/XX/XXXX, I received a call informing me that I could go pick up my car. They did not explain why it had been taken in the first place, but ultimately, my vehicle was unlawfully seized by Capital One, which they mistakenly believed to be theirs. This situation has caused a significant financial burden and has impacted my employment. 

I was informed that I would receive a letter and a call regarding the damages. During this unfortunate event, items from my vehicle were taken, and a police report was filed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
XXXX  XX/XX/year> XX/XX/year> XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
XXXX  XX/XX/year> XX/XX/year> XXXX XX/XX/year> XXXX XXXXXX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief