vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
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 any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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 an 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 items 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 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 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 2025-06-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' and the " Worst Status '' is listed as " XXXX, '' which I believe is a reporting error. The balance of {$650.00} exceeds the stated credit limit of {$400.00}, which is a clear inconsistency. Furthermore, the last payment date is XXXX and the date closed is XXXX, but the account is still being reported. This reporting is inaccurate and misleading. 
Under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666B, a creditor is required to provide accurate information regarding credit reporting. The information reported on this account is inaccurate and violates this provision.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report " as instructed by the consumer in writing. '' I have not provided any written instructions to furnish this inaccurate account. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 
Sincerely, 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 2025-06-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' and the " Worst Status '' is listed as " XXXX, '' which I believe is a reporting error. The balance of {$650.00} exceeds the stated credit limit of {$400.00}, which is a clear inconsistency. Furthermore, the last payment date is XXXX and the date closed is XXXX, but the account is still being reported. This reporting is inaccurate and misleading. 
Under the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666B, a creditor is required to provide accurate information regarding credit reporting. The information reported on this account is inaccurate and violates this provision.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report " as instructed by the consumer in writing. '' I have not provided any written instructions to furnish this inaccurate account. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
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 2025-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX and their collections agency, IQ Data, regarding an improper debt collection attempt. In XX/XX/XXXX, I received a move-out notice from XXXX XXXX XXXX XXXX, managed by XXXX XXXX , requiring me to vacate within 48 hours. I immediately visited the leasing office and spoke with the property manager, XXXX, requesting an extension due to the short notice. XXXX agreed to extend the move-out deadline by one week and instructed me to pay approximately {$500.00} via money order as my total amount due upon move out. On XX/XX/XXXX, I complied with her instructions by hand-delivering the money order and returning my apartment keys to a woman at the front desk. I heard nothing further from XXXX XXXX and reasonably believed the matter was resolved. In XX/XX/XXXX, I received an email from XXXX XXXX, XXXX XXXX XXXX  at XXXX, asking to discuss my move-out. I responded promptly via phone and email to explain the situation, reiterating that I had paid the agreed-upon amount and returned the keys as instructed. After that exchange, I received no further communication from XXXX XXXX. Then, unexpectedly, on XX/XX/XXXX, I received a collection notice from IQ Data claiming that I owe {$1200.00}. This was the first time I had been informed of any outstanding balance since my prior communication in XX/XX/XXXX. I immediately called XXXX XXXX to seek clarification. During the call, he claimed that I moved out on XX/XX/XXXX, which is not trueI clearly moved out on XX/XX/XXXX, when I submitted the money order and keys. I asked him to review their security camera footage to confirm the date of my move-out. I also requested that he verify my account details with XXXX, the manager I had spoken with at the time of move-out. He informed me that XXXX was no longer with the company and might not return, essentially refusing to confirm the agreement she and I had made. I believe XXXX XXXX and IQ Data are attempting to collect a debt that was already settled. This situation has caused significant stress and raises serious concerns about their internal communication, record-keeping, and debt collection practices. I respectfully request that the CFPB investigate this matter, ensure that all collection activity related to this invalid debt is halted, and require XXXX XXXX to confirm in writing that no balance is owed and that no negative credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: ID

Complaint narrative:
Payments to principal were reversed and then misapplied at lower amounts toward the principal. I have never been late or missed a payment. The payments were screwed up during a recasting process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) regarding an account that is being reported on my TransUnion, Experian, and Equifax credit reports as of XX/XX/year>. 

The account is listed with a {$0.00} balance and marked as charged-off/transferred, yet it remains on all three credit reports as a derogatory tradeline damaging my credit with no active obligation or open status. 

On XX/XX/year>, I sent formal dispute letters under FCRA 609 to all three credit bureaus requesting : A copy of the original signed credit agreement or application A full itemized billing and transaction history Proof that XXXXXXXX XXXX XXXX XXXX  ) has legal standing to continue reporting this information Verification that fraud alert procedures were followed, since I have an extended fraud alert on file To date, I have received no documentation or verification, yet the account remains on my reports, dragging down my score for an obligation that has been charged off and sold. 

This appears to be a clear example of post-charge-off reporting abuse a derogatory entry kept alive for scoring damage even though the lender no longer owns or services the debt. 
Harm Ive Experienced : Lower credit scores due to a dead, zero-balance account Time and effort wasted trying to obtain verification that shouldve been provided immediately Ongoing emotional frustration and delays in financing due to false derogatory entries What Im Requesting : I am requesting that this account be immediately removed from my TransUnion, Experian, and Equifax credit reports because : No verification was provided within the required timeframe under FCRA 609 The account no longer has a balance or active relationship with the creditor XXXX and the bureaus failed to respect my fraud alert rights under FCRA 605A Attached are my XX/XX/year> dispute letters, credit report excerpts, and identity verification.

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 2025-06-26 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: PA

Complaint narrative:
This morning, I found an unauthorized inquiry on my credit report, and I have no idea how or why it appeared. I check my report regularly, and suddenly there are discrepancies. I even refreshed my browser thinking it might be a glitch, but it stayed the same. Im extremely frustrated and request that my submitted documents be carefully reviewed so I no longer have to worry about this happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

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 2025-06-26 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:
I reviewed my credit report as I normally do, but this time I noticed unexpected discrepancies. I thought it might be a browser glitch, so I tried refreshing the page, but the inaccurate accounts still appeared. Because of this, Im requesting a thorough review of the documents Ive submitted to ensure I dont have to deal with this concern again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: KS

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 2025-06-26 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I checked my credit on XXXX, multiple inaccuracies. I disputed all inaccurate information ; all were removed but one. An Unsecured Loan from Bank of America in the amount of {$500.00}, who ever took out the load paid the first payment and then appears to have stopped paying. BofA appears to have sold off the account? I called BofA, and none of their agents could find the loan in question. It's not under my name, SSN, Address or even Zip Code. So, I am not sure how this is showing up in my credit report. Note the two other credit agencies do not have this, only XXXX. XXXX  sent a dispute twice to BofA on my behalf, but BofA is leaving it on my credit. I need to this removed so I have an accurate Credit Rating and in turn purchase a new house.

Note : I have not been a client of BofA for many years. The BofA agents confirmed no active accounts under my SSN.

Below is from XXXX XXXX Website : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Account Type : Unsecured Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XX/XX/XXXX Reinvestigation Info : " This item remained unchanged from our processing of your dispute in XXXX XXXX ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/year>, while making online reservations for an upcoming trip my KeyBank credit card was charged {$280.00} and a foreign transaction fee of {$8.00} by a company identified as " XXXX XXXX XXXX XXXX XXXX XXXX  ''. This charge was without my authorization, nor my attempt to make a reservation. I believe my data may have been stolen, or somehow compromised while making flight and rental car reservations. I reserved one-way flight on XXXX XXXX for {$160.00} and a one-day rental with XXXX for {$86.00}, both posted correctly to KeyBank credit card. I formally disputed this charge with KeyBank and requested they provide proof of a product or service delivered from XXXX XXXX XXXX XXXX XXXX XXXX. No evidence was provided by XXXX XXXX XXXX and KeyBank denied refund claiming " the transaction in question were in fact authorized solely based on their finding the transaction came from my IP address ''. After my multiple visits with local branch manager and several calls, and after I made repeated denials of this transaction, KeyBank has provided no evidence I made this transaction continuing to claim the transaction came from my IP address. I did NOT make or authorize this transaction. I appreciate you reviewing this complaint and anything you can do to help me. Thank You, XXXX XXXX

Company response to consumer: Closed with explanation