vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-11-06 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: FL

Complaint narrative:
I am very frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I can not understand why these inquiries remain even after I refreshed my browser. Please review the documents I provided right away so this issue can finally be resolved once and for all.

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 2025-11-06 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

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 2025-11-06 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:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
Good day, I am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse.

Please confirm receipt of this letter and inform me once the disputed information is deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$21000.00} Account name XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Payward Ventures Inc. dba Kraken
State: WA

Complaint narrative:
Over the past few years, Ive had several of my financial accounts closed without a clear reason, but this year has been the worst. In total, around three to four banks and crypto platforms have suddenly restricted or terminated my access. 

Most recently, XXXX being XX/XX/year>, at exactly by XXXX XXXX  XXXX, I woke up to find my XXXX  account closed. The message stated that they suspected fraudulent activity. That claim is completely false I am the legitimate owner of the account, and all transactions were lawful and funded by me. I was never contacted or given the chance to explain or verify anything before the account was closed. 

Before that, XXXX XXXX, Current Bank, and XXXX all closed my accounts at different times. None of them provided a detailed explanation beyond vague compliance or risk reasons. Current Bank isnt even a crypto platform, so I cant understand why Im being repeatedly restricted as if Im banned from using regular financial services.

I have not engaged in any fraudulent or suspicious activity. Every account was verified under my real name, and all funds originated from legitimate personal income. Ive reached out to these companies multiple times for clarification and reinstatement, but the responses have been generic or unhelpful. 

At this point, I simply need transparency. If theres a shared alert or a compliance flag tied to my identity, I want to know what triggered it and how to resolve it. These closures have caused major financial disruption and emotional distress, and I am asking for an investigation into whether these companies acted appropriately and lawfully.

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 2025-11-06 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: TX

Complaint narrative:
I deny any affiliation with these accounts ; they must be taken down within 15 days as mandated by USC 1681g.

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 2025-11-06 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: WI

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered multiple inaccuracies and unverifiable items that continue to be reported despite several prior disputes. These include duplicate tradelines, inconsistent late payment reporting, and numerous unauthorized hard inquiries. Specifically, the accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX contain conflicting and unverifiable data , such as being listed as both open and past due simultaneously or appearing multiple times with differing balances. These errors violate FCRA 607 ( b ), which requires credit bureaus to report only accurate and verified information. 

I have previously submitted multiple dispute letters directly to the credit bureaus requesting verification or removal of these accounts. However, the bureaus have failed to conduct proper reinvestigations as required under FCRA 611 ( a ). They continue to verify these items without providing any documentation or proof from the furnishers that substantiates the reported data. Additionally, several unauthorized hard inquiries remain on my credit file from companies such as XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and others. None of these inquiries were authorized or supported by a signed credit application or proof of permissible purpose as required under FCRA 604 ( a ) ( 2 ). This repeated verification of inaccurate and unvalidated data constitutes willful noncompliance with federal law. The continued reporting of false or unverifiable informati
on has damaged my credit profile and caused unnecessary harm by lowering my credit score. The credit bureaus and furnishers are failing in their legal obligations to maintain accurate and verifiable records.

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 2025-11-06 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:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered multiple inaccuracies and unverifiable items that continue to be reported despite several prior disputes. These include duplicate tradelines, inconsistent late payment reporting, and numerous unauthorized hard inquiries. Specifically, the accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX contain conflicting and unverifiable data , such as being listed as both open and past due simultaneously or appearing multiple times with differing balances. These errors violate FCRA 607 ( b ), which requires credit bureaus to report only accurate and verified information. 

I have previously submitted multiple dispute letters directly to the credit bureaus requesting verification or removal of these accounts. However, the bureaus have failed to conduct proper reinvestigations as required under FCRA 611 ( a ). They continue to verify these items without providing any documentation or proof from the furnishers that substantiates the reported data. Additionally, several unauthorized hard inquiries remain on my credit file from companies such as XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and others. None of these inquiries were authorized or supported by a signed credit application or proof of permissible purpose as required under FCRA 604 ( a ) ( 2 ). This repeated verification of inaccurate and unvalidated data constitutes willful noncompliance with federal law. The continued reporting of false or unverifiable informati
on has damaged my credit profile and caused unnecessary harm by lowering my credit score. The credit bureaus and furnishers are failing in their legal obligations to maintain accurate and verifiable records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found that multiple accounts continue to be reported inaccurately and remain unverified, even after several previous disputes. These include accounts from 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 Each furnisher has failed to provide validation or documentation supporting the accuracy of the information being reported. Despite this, the credit bureaus have continued to verify these accounts without providing proof of investigation or confirmation of how they were verified. 

For example, XXXX XXXX XXXX  and XXXX XXXX  are reporting charge-offs with ongoing past-due balances, which is inaccurate and misleading. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are reporting collection accounts without producing any proof of ownership, assignment, or debt validation, violating the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). XXXX XXXX and XXXX XXXX XXXX have reported conflicting dates and amounts without any original billing records. Additionally, several unauthorized credit inquiries from XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX were made without my consent or permissible purpose, violating FCRA 604 ( a ) ( 2 ). 

I have submitted multiple dispute letters to each credit bureau since early XXXX, yet they have continued to verify these items without providing supporting documentation or any description of their investigation methods. This is a direct violation of FCRA 611 ( a ) ( failure to conduct a reasonable reinvestigation ) and FCRA 607 ( b ) ( failure to ensure maximum possible accuracy ). These ongoing errors have damaged my credit and caused unnecessary financial harm.

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 2025-11-06 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with XXXX balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-06 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-06 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) # XXXX -- {$280.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Date Opened : XX/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 2025-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
I enrolled in autopay for my mortgage on Dovenmuehles website in early XX/XX/year>. The website banner confirmed enrollment and stated : Enrolled in Autopay. The scheduled payment will be made on time. Contact us at XXXX if you need assistance. 

I logged in multiple times afterward and saw the same message each time. The site showed no alerts, messages, or documents indicating any further action was required. 

Two months later, when I called about an escrow tax payment, I was informed that I was two months delinquent. Dovenmuehle said additional steps were required to complete autopay, but those instructions were only sent by mail to my former address. No email, voicemail, or online notice was ever sent, despite all prior activity being handled electronically. 

Because of this, I unknowingly fell two months behind and had to make three payments within three days to catch up. I was initially charged late fees ( one waived as a courtesy ). 

When I attempted to make my first catch-up payment, the online portal did not show any late fees or delinquency status. I later learned those charges were hidden three clicks deep under Make Additional Payment. There is no way for a borrower to see a late balance or verify autopay enrollment in the web portal. 

Customer service, web services, and collections staff all confirmed that : There is no online visibility into whether autopay enrollment is complete or whether a payment is overdue ; They attempted phone calls but never left voicemails ; and Email notifications are not possible, even when mail and phone attempts fail. 

My voicemail was functional during those dates, as proven by other messages received. I was also told I could only make one mortgage-amount payment per day online, forcing me to spread repayment over several days. 

Dovenmuehles system provided false confirmation of autopay enrollment, failed to provide reasonable notice, and restricted full payment options all of which directly caused this delinquency. I believe this constitutes deceptive and unfair servicing practices under RESPA and Regulation Z. 

Requested resolution : Confirm removal of all late fees and penalties ; Ensure no adverse credit reporting or negative account notations ; Correct online autopay messaging and visibility issues to prevent recurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

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 explanation