vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: AMERICAN FINANCING CORPORATION
State: VA

Complaint narrative:
I asked for forebarence and they denied it then they stated the foreclosure process 90 days after last recieved payment then told me it was going to cost an extra XXXX dollars in fees to bring everything current. Then i found out that my father did not even get the amount of money they said he recieved in the refinance. Now the have sold my house to someone for about XXXX XXXX less thannit is worth.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Since Alaska XXXX and XXXX is merging I guess now they have a different way to charge credit cards. I first bought airlines tickets from the XXXX website, got charged for that transaction .. than the following day that charges disappeared from the statement .. than reappeared as XXXX different charges from Alaska airlines XXXX XXXX that charges went through, but apparently the next day it shows a {$30.00} return fee for XXXX individual tickets .. I called the Bank apparently Alaska XXXX put XXXX XXXX collateral hold on my business account which never happened to me before, I called the customer service to complain they said they'll remove the hold and apparently got my check book to positive but that's when the over draft fees kicked in the following day .. do apparently I got ta eat the charges cause first Hawaiian Bank said XXXX XXXX XXXX doing.. I totally disagree with there findings, If you get shown a charge in your account even if is pending the mobile app shows your availability of funds, according to what lt shows .. So if it's not going to be charged why show it than drop it the following day, small things that these banks does really hurts the small business like mines that is just trying to survive.. Really confusing..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
my information has been involved in a cyber incident. I was informed by transunion in my cyber scout report that my information has been compromised which may explain these unauthorized inquires, and collections here are the inquires XXXX inquired XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXcard XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXCollections :XX/XX/XXXXXXXX for {$1100.00}, XX/XX/XXXXXXXX {$230.00} alsoXX/XX/XXXXXXXXXX/XX/XXXX {$270.00} thank concludes all the fraudulent matters I have on my credit report .. thank you in advance for helping me with this issue..

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 2025-11-24 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: MI

Complaint narrative:
my information has been involved in a cyber incident. I was informed by transunion in my cyber scout report that my information has been compromised which may explain these unauthorized inquires, and collections here are the inquires XXXX inquired XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXcard XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXCollections :XX/XX/XXXXXXXX for {$1100.00}, XX/XX/XXXXXXXX {$230.00} alsoXX/XX/XXXXXXXXXX/XX/XXXX {$270.00} thank concludes all the fraudulent matters I have on my credit report .. thank you in advance for helping me with this issue..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I previously submitted factual dispute letters to Experian concerning multiple inaccurate and inconsistent accounts that Experian continues to report negatively. Despite providing detailed explanations of the factual errors, including duplicate account reporting, mismatched account numbers, inconsistent dates, missing closure information, and incorrect dispute statuses, Experian failed to make any corrections or conduct a meaningful investigation. Some of the accounts Experian reports negatively are listed positively or accurately on other credit bureaus, yet Experian continues to report outdated, incomplete, and unverifiable information. Experian has also failed to update the status of my disputes, which now falsely shows account not disputed, even though I have sent prior mailed disputes with full documentation. Their inaction shows noncompliance with FCRA 611 ( a ) and 607 ( b ), and this continued inaccurate reporting is harming my creditworthiness.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 i
tems of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I am submitting this complaint regarding multiple inaccurate, unauthorized, and fraudulent entries on my credit report. Despite a previous dispute, these items remain uncorrected, causing significant damage to my creditworthiness, reputation, and financial opportunities. I demand a full investigation and immediate correction or deletion of all errors under the Fair Credit Reporting Act ( FCRA ). 
The disputed items are as follows : XXXXXXXX XXXX XXXX, XXXX, TX XXXX Issue : Wrong Address Detail : I have never been associated with this property. Its presence on my report is misleading to lenders, employers, and other users of my credit report. XXXX deletion is required. 
XXXX XXXX XXXX, XXXX, TX XXXX Issue : Wrong Address Detail : This XXXX XXXX is not mine. Its inclusion is a blatant error and must be removed immediately to prevent further damage to my credit history. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400.00} Issue : Late Payment Detail : I have never made any late payments on this account. The reporting of a late payment is factually incorrect and misleading, directly harming my credit score and financial credibility. I demand correction of the payment history to reflect accurate and verified information. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$16000.00} Issue : Charge-Off Detail : I have no knowledge of this account. This is an unauthorized and fraudulent record, and reporting it violates my rights under the FCRA. XXXX deletion is mandatory. 
XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$95.00} Issue : Charge-Off Detail : I never opened or authorized this account. Its reporting as a charge-off is entirely erroneous, misleading, and harmful to my creditworthiness. Immediate removal is required. 
XXXX Inquiry XX/XX/XXXX Detail : I did not authorize this inquiry. Its presence is fraudulent and misleading. Immediate deletion is demanded. 
XXXX Inquiry XX/XX/XXXX Detail : I never provided consent for this inquiry. Its reporting is misleading, fraudulent, and harmful. Must be removed. 
XXXX Inquiry XX/XX/XXXX Detail : I did not authorize this inquiry. Its presence is illegal and inaccurate, and it must be removed immediately. 
Desired Resolution : 1. All incorrect addresses must be deleted.

2. All late payments and charge-offs that I have no knowledge of must be corrected or removed.

3. All unauthorized inquiries must be deleted.

4. I request written confirmation of all corrections within 30 days.

I am prepared to escalate this matter to legal action, including CFPB and FTC complaints, if the inaccuracies are not corrected promptly. Reporting false information is unlawful, damaging, and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: WI

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 explanation
Consumer complaint received 2025-11-24 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: AZ

Complaint narrative:
Applications were made in my name without my knowledge or authorization, leading to these companies pulling my credit report and negatively impacting my credit score. I do not recognize these inquiries, nor have I given permission for them. I already contacted the bureau, and a representative assured me that these unauthorized inquiries would be deleted, yet they remain on my report. This ongoing issue is creating unnecessary stress and concern for potential identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: PA

Complaint narrative:
I was reviewing my credit report and noticed hard inquiees tht do nt belong 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: SC

Complaint narrative:
The debt was inaccurately reported after being paid It may have been illegally re-aged. The collector may have misrepresented the debts status The credit bureaus may have failed to investigate your dispute. The debt may have reappeared after it should have been permanently removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CarMax, Inc.
State: FL

Complaint narrative:
They took my car because they said it had been more than 80 days without receiving the monthly payment for the vehicle. We had to call the company and pay them {$2200.00}, to get my car back, that amount was supposedly for the 3 months without payments plus, {$450.00} for the tow service. 

That information is incorrect because I called my bank and there were only 2 months in which the payment was returned due to a fraud situation that occurred on my bank account, which forced me to close that account, and I wasn't aware that those payments had been returned. 

Above all, despite that, the vehicle finance company never notified us through any means of communication about what was happening with the vehicle account, and on the online page where I can view the information and status of my account, there was never any notification of a late payment or any alert that the account required our attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
Several auto-related hard inquiries were added to my Experian report after I received a quote from XXXX. I did not authorize Experian to release my credit file to multiple lenders, and I did not give these individual lenders permission to pull my report. Experian has not provided any documentation showing a valid permissible purpose for these inquiries. I disputed this already, but the inquiries were not validated or 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 2025-11-24 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I HAVE SENT OVER LETTERS ACCOMPANIED WITH POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT TO REMOVE THE FRAUD IDENTITY THEFT INFORMATION FROM MY CREDIT REPORTS. EXPERIAN, EQUIFAX AND TRANSUNION HAVE FAILED TO REMOVE THE FRAUD INFORMATION. THEY ARE BREAKING THE LAW BY REPORTING THE IDENTITY THEFT INFORMATION ON MY CREDIT REPORTS. ALL 3 CREDIT REPORTS ARE REPORTING THE FOLLOWING FRAUD INFORMATION AND ACCOUNTS ON MY REPORT. XXXX XXXX XXXX OPEN DATE XX/XX/XXXX. XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX ARE FRAUD ACCOUNTS AND IDENTITY THEFT. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS AND NEVER APPLIED FOR THEM. FRAUD CREDIT INQUIRY XXXX XXXX DATE OF INQUIRY XX/XX/XXXX. FRAUD PHONE NUMBER XXXX. INCORRECT INFORMATION XXXX XXXX NEVER LATE. CARD WAS LOST AND FRAUD CHARGES WERE MADE ON THEM THAT IS WHERE TH ELATE PAYMENT XCAME IN CARD WAS PAID OFF AT THE TIME BUT FRAUD CHARGES WERE MADE ON THEM.

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