vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: NJ

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 2025-10-21 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: PA

Complaint narrative:
After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered several accounts and collection items being reported inaccurately and without proper verification. Some accounts, such as those from XXXXXXXX XXXX, XXXX XXXX, and multiple XXXX Bank subsidiaries, are listed as charged off or in collection status even though no documentation has ever been provided to verify their legitimacy, ownership, or accurate balances. In many cases, the reporting contains conflicting information regarding payment history, charge-off dates, and account statuses, which indicates a failure to maintain accuracy under the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts without providing any chain of assignment, signed agreements, or proof that they have legal authority to collect or report these debts. To make matters worse, numerous hard inquiries appear on my report without my consent or permissible purpose under FCRA Section 604 ( a ). Despite prior attempts to dispute and request validation from the credit bureaus and furnishers, the same unverifiable and misleading information continues to appear, causing significant and unnecessary harm to 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 2025-10-21 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: PA

Complaint narrative:
After carefully reviewing my credit reports from Experian, TransUnion, and Equifax, I discovered several accounts and collection items being reported inaccurately and without proper verification. Some accounts, such as those from XXXXXXXX XXXX, XXXX XXXX, and multiple XXXX Bank subsidiaries, are listed as charged off or in collection status even though no documentation has ever been provided to verify their legitimacy, ownership, or accurate balances. In many cases, the reporting contains conflicting information regarding payment history, charge-off dates, and account statuses, which indicates a failure to maintain accuracy under the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts without providing any chain of assignment, signed agreements, or proof that they have legal authority to collect or report these debts. To make matters worse, numerous hard inquiries appear on my report without my consent or permissible purpose under FCRA Section 604 ( a ). Despite prior attempts to dispute and request validation from the credit bureaus and furnishers, the same unverifiable and misleading information continues to appear, causing significant and unnecessary harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
In the last week of XXXX, I contacted XXXX XXXX of XXXXXXXX XXXX XXXX  about a vehicle I saw listed online. I worked with salesman XXXX XXXX XXXX. 

I informed XXXX XXXX that I already had a pre-approval loan. They asked if they could try to beat my XXXX through a specific lender, XXXX XXXX, and I agreed only to that. 

They later told me I was approved for up to {$16000.00} and requested income verification. Because my employers accounting system was down, I sent bank statements on XX/XX/XXXX as requested. I provided pay stubs on XX/XX/XXXX once available. 

Shortly afterward, XXXX XXXX changed the vehicle price to {$18000.00}, which I declined. Within days, I began receiving letters and credit inquiries from multiple lenders I had never applied with and was never informed would be used. These included the dealerships own finance department and several outside lenders unrelated to XXXX XXXX. 

As a result, my XXXX  XXXX XXXX dropped due to these unauthorized hard inquiries. XXXX  confirmed that this constitutes unauthorized use of my credit and advised me to obtain letters of deletion from each lender and the dealership. 

I never provided written or verbal authorization for XXXX XXXX to send my information to any lender other than XXXX XXXX. I am requesting the CFPBs assistance in having the dealership and those lenders correct and remove these unauthorized credit inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
In the last week of XXXX, I contacted XXXX XXXX of XXXXXXXX XXXX XXXX about a vehicle I saw listed online. I worked with salesman XXXX XXXX XXXX. 

I informed XXXX XXXX that I already had a pre-approval loan. They asked if they could try to beat my XXXX through a specific lender, XXXX XXXX, and I agreed only to that. 

They later told me I was approved for up to {$16000.00} and requested income verification. Because my employers accounting system was down, I sent bank statements on XX/XX/XXXX as requested. I provided pay stubs on XX/XX/XXXX once available. 

Shortly afterward, XXXX XXXX changed the vehicle price to {$18000.00}, which I declined. Within days, I began receiving letters and credit inquiries from multiple lenders I had never applied with and was never informed would be used. These included the dealerships own XXXXinance department and several outside lenders unrelated to XXXX XXXX. 

As a result, my XXXX XXXXXXXX XXXX dropped due to these unauthorized hard inquiries. XXXX  confirmed that this constitutes unauthorized use of my credit and advised me to obtain letters of deletion from each lender and the dealership. 

I never provided written or verbal authorization for XXXX XXXX to send my information to any lender other than XXXX XXXX. I am requesting the CFPBs assistance in having the dealership and those lenders correct and remove these unauthorized credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$12000.00} XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$220.00} XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$70.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$550.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$740.00} INQUIRIES : XXXX 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 2025-10-21 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: FL

Complaint narrative:
I am disputing the accuracy of a TransUnion account reporting under the name " XXXX '' with account number ending in XXXX * * * *. This account was closed and last active in XX/XX/XXXX, but TransUnion continues to report it as of XX/XX/XXXX, which exceeds the XXXX reporting limit outlined in FCRA 605 ( a ) ( 5 ).

Additionally, the furnisher has re-aged the account by updating the Date Reported to XXXXXX/XX/XXXX, in violation of FCRA 623 ( a ) ( 2 ). The account also lacks required data fields such as payment history, term length, and payment frequency, making it incomplete and unverifiable under FCRA 607 ( b ).

As this account is both obsolete and inaccurately reported, I am requesting its permanent deletion from my TransUnion credit file.

Please complete a full reinvestigation per FCRA 611 ( a ) and provide written confirmation of deletion within XXXX 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 non-monetary relief
Consumer complaint received 2025-10-21 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:
I am disputing the accuracy of the information being reported by XXXX on my TransUnion credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
The mortgage account above shows late payments in XXXX and indicates inconsistent reporting dates. My own payment records contradict these entries, and I therefore request a reinvestigation.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally challenging entries linked to accounts I never initiated. Please investigate thoroughly and delete them from my file. Enclosures are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: 2288984 Ontario Inc.
State: KS

Complaint narrative:
An account I had through the business Money Key sold my account to a collection agency, XXXX XXXX XXXX. This company then proceeded to call my mother from an unknown phone number and tell her that they were looking for me because I was being served. I then received a voicemail also from an unknown number, they did not identify themselves, only expressed that they were going to be serving me papers that day unless I called them back at the number they provided. This company has also made their website extremely difficult to find, the business addresses to not match throughout their website, nor do any of the phone numbers. I doubt the legitimacy of this company and the legality of their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
My house taxes just went up {$2500.00} per year, my house insurance went up {$400.00} per year this past XXXX. SPS upped my mortgage payment {$800.00} per month. The math doesn't add up. The increase in taxes and house insurance total {$2900.00} per year but SPS wants me to pay {$9600.00} a year more. I tried talking to them but I do not get a clear explanation of the additional {$6500.00} increase and where it came from. There is no reason for the extra {$6500.00} they want per year. Also I have been paying for XXXX years on a {$32000.00} loan and still owe {$280000.00}. something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have disputed XXXX and XXXX  sevral times and transunion to remove incorrect balances or delete accounts from my credit report i have incuded and attached proof that the loans from XXXX university now XXXX XXXX has been included in sweet v mcchan and loans are not valid

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 2025-10-21 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Identity Theft Notice Fraudulent Address Reporting To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of a fraudulent address that is currently reporting on my credit file. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This address does not belong to me, and I have never lived at, received mail at, or been associated with this location in any capacity. I recently became aware of this false address appearing on my credit report, and I am submitting an Identity Theft Police Report along with this dispute as required by both your offices. 
Under my rights established by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), you are legally obligated to remove and permanently block any information on my credit file that is the result of identity theft or is inaccurate. Specifically : FCRA 1681i ( a ) : Requires a reasonable reinvestigation of disputed information and mandates deletion of unverifiable or inaccurate data.

FCRA 1681e ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy of consumer credit information. Reporting an address that does not belong to me violates this standard.

FACTA 605B ( 15 U.S.C. 1681c-2 ) : Mandates that credit reporting agencies must block and permanently delete any information in a consumers file that results from identity theft once proper documentation is provided.

FCRA 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of deleted information without full verification and written notice to the consumer within five business days.

I am demanding that Equifax and TransUnion immediately investigate and permanently delete this fraudulent address from my credit files. Continuing to report inaccurate or fraudulent information after receiving proper identity theft documentation is a direct violation of federal law and exposes your agencies to liability under FCRA 616617.

Enclosed with this letter are copies of my Identity Theft Police Report, my government-issued ID, and proof of my current address to assist with your investigation and verification process.

Please send written confirmation that this address has been removed and permanently blocked from all future reporting within 30 days of receipt of this letter, as required by law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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