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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing several unauthorized hard inquiries on my Experian file. I did not authorize these inquiries. Under FCRA 1681b, Experian must ensure every inquiry has documented consumer authorization and a permissible purpose.

Provide proof that I authorized these inquiries : Disputed Experian Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Required Under FCRA 1681i : 1. A copy of the signed authorization for each inquiry 2. The permissible purpose claimed under 1681b 3. The furnishers identifying information If no signed authorization exists, Experian must delete the inquiries immediately.

Fraudulent Inquiry Declaration : I declare under penalty of perjury that I did not authorize any of the inquiries listed above.

This letter also serves as a Cease & Desist demand prohibiting any further unauthorized access to my Experian credit file.

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 2025-11-25 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: SD

Complaint narrative:
After we sent the qwr we discovered that the original lender had back dated payments to before the conception of the loan existence, payments made XX/XX/XXXX were applied XX/XX/XXXX and XX/XX/XXXX were applied XX/XX/XXXX and XX/XX/XXXX were applied XX/XX/XXXX and so forth, and every payment of XXXX $ was applied incorrectly against our instructions were booked as partial payments and extra funds were held in an account with out our knowledge, and the servicer recently had to remove themselves from our credit report, and are now attempting to wrongly foreclose

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
My lease ended in XXXX of XXXX. Therefore I was on a month to month tendency. I was wrongfully forced to move out of XXXX Apartments. I paid XXXX rent. The property XXXX came into my apartment the day I moved out and did a walk through of the apartment. They said NOTHING to me or my boyfriend that any money was owed. They kept my {$600.00} security deposit. It wasn't until I got a call from XXXX that I was told about the so called debt I owe. l have looked at old credit reports from XXXX amd XXXX and there is absolutely nothing about this account only that it was opened in XXXX of XXXX. Which according to them I owed back rent plus other fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am writing to formally dispute the 1099-C ( Cancellation of Debt ) that was issued by Exter Finance for the amount of {$19000.00}. This form appears to have been filed or reported in error, misreported to the IRS, or is currently being inaccurately reported on my credit file. 

Under IRS regulations, a Form 1099-C does not automatically confirm that a debt has been forgiven, cancelled, or that any remaining balance is collectible. If a 1099-C was issued, I request clarification and proper documentation proving : The valid date of cancellation of debt ( COD ) as required under IRS 6050P .

Proof that the debt was legally discharged, forgiven, or canceled, not merely written off.

Proof of ownership and authority to collect this debt at the time the 1099-C was issued.

Copies of all related account statements, contracts, and charge-off documentation.

In addition, if the debt has been cancelled ( as implied by the filing of a 1099-C ), your company is required to : Update my account status to Cancelled or Paid Canceled Debt, not Charge-off, and Cease any collection attempts, as a canceled debt is no longer legally owed. 

Until proper documentation is provided, I dispute the validity of both the debt and the 1099-C filing. As required under the Fair Credit Reporting Act ( FCRA ) and IRS reporting laws, please investigate this matter and correct all inaccurate credit reporting immediately. 

I request your written response after receiving this letter. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank has a promotion, it requires opening a checking account, funding {$200000.00} or more within XXXX  days, and maintaining the balance for an additional XXXX  days, to earn {$1500.00}. My timeline is as below, and I opened the saving account over the phone by calling XXXX XXXX XXXX, XXXX, CT XXXX, cause no Citi branch in my state, MA. I confirmed with the person that it's also eligible if funding to saving account, Citi checks the combined balance of both checking and saving accounts. I also called the XXXX customer service and got confirmation Citi checks combined balance. But, I didn't receive the {$1500.00} bonus after completing all the requirements. 
XXXX : open checking account XXXX : open saving account XXXX : complete the deposit of {$200000.00} to the saving account, XXXX calendar days from opening the checking account on XXXX XXXX : maintain the deposit of {$200000.00} for XXXX calendar days

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 2025-11-25 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This complaint is directed at Experian, TransUnion, and Equifax for their continued reporting of multiple fraudulent accounts, inquiries, and addresses that are already documented in my official FTC Identity Theft Report ( Report No. XXXX ). I am a verified victim of identity theft, and the FTC report clearly shows numerous fraudulent accounts and collection items including : XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX ( XXXX ), as well as multiple unauthorized addresses such as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and fraudulent inquiries such as XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX None of these accounts, addresses, or inquiries were ever authorized, opened, or used by me. 

Despite receiving full identity-theft documentation, the credit bureaus continue to report these items, violating FCRA 605B, which requires the bureaus to block all identity-theft related information within 4 business days of receiving an FTC Report and proof of identity. Instead, these fraudulent accounts remain on my reports as if they belong to me.

The credit bureaus have also violated FCRA 611, which requires a reasonable reinvestigation. The bureaus have continued to verify these fraudulent items without providing any documentation or validation from the furnishers, even though the accounts clearly originate from criminal misuse of my identity. 

They have further violated FCRA 623, by continuing to accept and publish information from furnishers who are reporting accounts they knowor should knoware fraudulent. This includes failing to flag these accounts as identity theft and failing to prevent reinsertion. 

The continued publication of these fraudulent accounts is also a violation of the FACTA identity-theft rules, which require credit bureaus to have procedures to identify, block, and prevent the reinsertion of identity-theft information. 

Additionally, by allowing these fraudulent items to remain on my credit file, the credit bureaus are enabling illegal collection attempts, violating the protections intended under the FDCPA, as they facilitate the reporting and circulation of debts that are not legally mine. 

This ongoing reporting is causing direct and serious harm. I am being denied fair credit access, facing financial loss, emotional stress, and long-term credit damage because Experian, TransUnion, and Equifax have failed to comply with identity-theft laws, failed to block fraudulent information, and failed to maintain reasonable procedures to ensure maximum accuracy under FCRA 607 ( b ).

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 2025-11-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
This complaint is directed at Experian, TransUnion, and Equifax for their continued reporting of multiple fraudulent accounts, inquiries, and addresses that are already documented in my official FTC Identity Theft Report ( Report No. XXXX ). I am a verified victim of identity theft, and the FTC report clearly shows numerous fraudulent accounts and collection items including : XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ), and XXXX ( XXXX ), as well as multiple unauthorized addresses such as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and fraudulent inquiries such as XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX None of these accounts, addresses, or inquiries were ever authorized, opened, or used by me. 

Despite receiving full identity-theft documentation, the credit bureaus continue to report these items, violating FCRA 605B, which requires the bureaus to block all identity-theft related information within 4 business days of receiving an FTC Report and proof of identity. Instead, these fraudulent accounts remain on my reports as if they belong to me.

The credit bureaus have also violated FCRA 611, which requires a reasonable reinvestigation. The bureaus have continued to verify these fraudulent items without providing any documentation or validation from the furnishers, even though the accounts clearly originate from criminal misuse of my identity. 

They have further violated FCRA 623, by continuing to accept and publish information from furnishers who are reporting accounts they knowor should knoware fraudulent. This includes failing to flag these accounts as identity theft and failing to prevent reinsertion. 

The continued publication of these fraudulent accounts is also a violation of the FACTA identity-theft rules, which require credit bureaus to have procedures to identify, block, and prevent the reinsertion of identity-theft information. 

Additionally, by allowing these fraudulent items to remain on my credit file, the credit bureaus are enabling illegal collection attempts, violating the protections intended under the FDCPA, as they facilitate the reporting and circulation of debts that are not legally mine. 

This ongoing reporting is causing direct and serious harm. I am being denied fair credit access, facing financial loss, emotional stress, and long-term credit damage because Experian, TransUnion, and Equifax have failed to comply with identity-theft laws, failed to block fraudulent information, and failed to maintain reasonable procedures to ensure maximum accuracy under FCRA 607 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-25 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: IL

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

Company response to consumer: Closed with non-monetary relief
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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I am filing this formal complaint regarding inaccurate information that XXXX XXXX is reporting to the consumer reporting agencies concerning my account ( Account No. XXXX, Date Opened : XX/XX/year> ). My recent credit reports reflect late payment notations that are entirely false and have never occurred. 

My personal payment records confirm that I have consistently paid this account on time and have never missed or been late on any payments. The late-payment information being furnished by XXXX XXXX to the credit bureaus is factually inaccurate and is causing substantial harm to my creditworthiness. 

As a data furnisher under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX is legally obligated to provide accurate information to all consumer reporting agencies in compliance with FCRA 623 ( a ). Additionally, upon receiving notice of a dispute from a consumer, XXXX XXXX is required under FCRA 623 ( a ) ( 8 ) to conduct a reasonable investigation, correct any inaccurate information, and ensure that only verified, accurate data continues to be reported. 

By furnishing false late-payment data and failing to uphold its accuracy obligations, XXXX XXXX is contributing to the publication of harmful and misleading information on my credit file. This is causing financial damage, reputational harm, and unnecessary distress. 

I am demanding that XXXX XXXX  : Conduct a full and lawful investigation into the accuracy of the reported late-payment entries ; Provide documentation supporting any claimed late payments, if such documentation exists ; and Immediately correct or delete any inaccurate, unverified, or unsupported information being furnished to any consumer reporting agency. 

Any failure to comply with these federal obligations will be treated as negligent or willful noncompliance under the FCRA, subjecting XXXX XXXX to liability.

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 2025-11-25 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am requesting a review and correction of the credit reporting on my closed Apple Card account issued by Goldman Sachs. My credit report shows multiple late payments and derogatory remarks that appear to be inaccurate and inconsistent with the timeline of the account. The account was closed in early XXXX  but late payments continue to be reported after the closure date. There are also duplicate remarks such as XXXX than full balance appearing multiple times and conflicting remark combinations like Paid profit and loss and Settledless than full balance at the same time. 

I contacted Apple Support and the Goldman Sachs Apple Card Specialist line to request a goodwill review and correction due to a financial hardship during that period. I also asked for clarification on the inconsistent reporting, including late payments recorded after the closure date. I was told that they can not change anything, and I was not provided a way to escalate the issue to the credit bureau department or submit documentation. As a result, I could not resolve this directly with the company. 

I am preparing to begin active-duty military service and need my credit report to accurately reflect my history. I am requesting CFPB assistance in ensuring that Goldman Sachs reviews and corrects the reporting errors and considers a goodwill adjustment due to the documented hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
XXXXXXXX XXXX has been reporting false and damaging information on our mortgage account. In the beginning of XX/XX/year>, we requested forbearance multiple times via phone calls with XXXX XXXX, while in the process of selling our home. They delayed sending us the forms for over a month after our request. When we finally received the forbearing application forms, we submitted all required documentation by email, fax, and postal mail. XXXXXXXX XXXX  never acknowledged or processed our request despite repeated follow-ups. 

As a result of their inaction, they reported 30- and 60-day delinquencies in XXXX and XX/XX/year>, even though we acted responsibly and sold the property to satisfy the loan in full. The mortgage was paid off on XX/XX/year>, as documented in the Sellers Final Settlement Statement and in the payoff confirmation downloaded from XXXX XXXX own online account portal. 

To correct this, we submitted disputes to all three major credit bureaus- XXXX Experian, and XXXX  and uploaded the documentation proving the mortgage was paid in full. However, each bureau simply accepted XXXX XXXX incorrect response, which falsely claimed we remain delinquent and still owe over {$350000.00}, despite the closing documents showing the loan was satisfied in full. As a result, the false late payments and false outstanding balance remain on all three credit reports. 

Our credit scores have collapsed from the XXXX into the low XXXX because of this uncorrected misinformation, and we are now entering our eighth week without stable housing. This is a direct consequence of XXXXXXXX XXXX failure to update or verify accurate information as required under the Fair Credit Reporting Act. 

We request immediate investigation and correction of all credit bureau data to reflect the account as Paid in Full - {$0.00} balance - Never Late, and removal of all delinquency notations.

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 2025-11-25 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:
XXXXXXXX XXXX has been reporting false and damaging information on our mortgage account. In the beginning of XX/XX/year>, we requested forbearance multiple times via phone calls with XXXXXXXX XXXX  while in the process of selling our home. They delayed sending us the forms for over a month after our request. When we finally received the forbearing application forms, we submitted all required documentation by email, fax, and postal mail. XXXXXXXX XXXX  never acknowledged or processed our request despite repeated follow-ups. 

As a result of their inaction, they reported XXXX and XXXX delinquencies in XXXX and XX/XX/year>, even though we acted responsibly and sold the property to satisfy the loan in full. The mortgage was paid off on XX/XX/year>, as documented in the Sellers Final Settlement Statement and in the payoff confirmation downloaded from XXXX XXXX own online account portal. 

To correct this, we submitted disputes to all three major credit bureaus- Equifax, XXXX XXXX XXXX and uploaded the documentation proving the mortgage was paid in full. However, each bureau simply accepted XXXX XXXX incorrect response, which falsely claimed we remain delinquent and still owe over {$350000.00}, despite the closing documents showing the loan was satisfied in full. As a result, the false late payments and false outstanding balance remain on all three credit reports. 

Our credit scores have collapsed from the XXXX into the low XXXX because of this uncorrected misinformation, and we are now entering our eighth week without stable housing. This is a direct consequence of XXXXXXXX XXXX  failure to update or verify accurate information as required under the Fair Credit Reporting Act. 

We request immediate investigation and correction of all credit bureau data to reflect the account as Paid in Full - {$0.00} balance - Never Late, and removal of all delinquency notations.

Company response to consumer: Closed with explanation