vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fig Tech Inc.
State: TX

Complaint narrative:
I am filing this complaint against Fig Loans for violations of the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act. Specifically under 15 US Code 1666 and 1666 ( b ) The reported balance is {$540.00} but no matter what I pay it never goes down and always shows late. I believe the company has engaged in unfair or unlawful practices, including but not limited to : Failing to provide proper debt validation and correct balance XXXX inaccurate or unverified information to the credit bureaus specifically late payments. They continue to report negatively without reaching out to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

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 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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX AND PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV AND PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: KS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-08-15 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:
I am filing this complaint against [ XXXX XXXX for XXXX and misclassified information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

Despite submitting formal dispute letters with supporting documentation, the bureau has failed to correct or remove the following itemXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. * * XXXX of the Attorney General ( XXXX XXXX ) * * This account is misclassified as a credit obligation. Child support is not a consumer credit account under FCRA XXXX ( d ). It should be removed or properly reclassified. 

XXXX. * * XXXX FCU Account * * This account is reported inconsistently across bureaus. It appears with conflicting balances and statuses, violating FCRA 611 ( a ).

4. * * Duplicate Nelnet Student Loan Entries * * Multiple identical entries inflate my debt and misrepresent my credit profile. This violates FCRA 609 ( c ) and should be consolidated or removed. 

XXXX. * * XXXX  XXXX * * Consumer Disagrees remarks remain on resolved accounts. These should be removed under FCRA 611 ( b ). 



Thank you for your attention to this matter.

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 2025-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mortgage Research Center, LLC
State: MD

Complaint narrative:
I have been trying to do a loan modification years. Initially, it took almost a year for XXXX XXXX to even get the process complete. During this time the interest only piles on. 

I was notified in XXXX that no option existed for me to save my home, including a 40 year loan. 

When I requested a new modification with the former XXXX program, I was informed that I needed to wait for the rules to be finalized. I was denied again. Again, informed by XXXX XXXX that the VA denied it. However, now in XXXX, I requested a new modification with the law that passed to save Veteran homes. I was told the rules are not yet in place. I was again denied for any modifications, including a 40 year loan. 


At each denial I was informed by my XXXX XXXX XXXX XXXX that the XXXX has denied all remedies. When I spoke to the XXXX XXXX representative on XX/XX/XXXX, I noted hesitation in his voice when I asked for the specific denial, and he mentioned something to the effect et of a 10 % reduction in payment can not be achieved, and the VA denied it for that reason. When I questioned that rationale and that I should speak to my VA case XXXX, he seemed hesitant and attempted to explain to me the only options and that it was pointless to call the XXXX because they will say the same thing. When I informed the XXXX XXXX representative that XXXX. Ow exempt from property tax and I will save significantly, he said that was irrelevant. 

I spoke to me VA Case XXXX on XX/XX/XXXX, and he informed me that XXXX XXXX has only formally notified the VA once in XXXX. I was not formed that a 10 % reduction is not a hardline and in afforded the opportunity to have a 40 year loan modification. Additionally, I was informed that having a full property tax exemption is a factor as well. 

My main issue at hand are the numerous denials from XXXX XXXX, claim the VA denied it, but the VA was unaware in XXXX and XXXX. Furthermore, and importantly, I could have been offered a 40 year loan mod, at a lower overdue balance vice the ballooned amount it is today, but I was deceptively informed by XXXX XXXX that the VA denied it. The XXXX XXXX XXXX XXXX XXXX XXXX the Va denied, while all along, for the last 2 years, the representative knew I can get the 40 year modification. 

XXXX years, and a XXXX figure later, XXXX now realizing I have been deceived by 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: MO

Complaint narrative:
XXXX XXXX are reporting wrong dates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-08-15 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-08-15 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$4700.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$1900.00} XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$2200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account XXXX : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion Credit Bureau locked my credit at my request to prevent further hard inquiries by creditors causing the XXXX score to reduce. 

Due to my current mortgage loan application pending, XXXX XXXX XXXX XXXX XXXXXXXX lifted the credit freeze to allow the mortgage company to run credit checks. 

The mortgage lender can not approve the loan with XXXX XXXX XXXX XXXX. They must have scores from all XXXX bureaus. 

XXXX XXXX Transunion XXXX is the only bureau needed to get the mortgage loan approved. 
XXXX ) Transunion has made it impossible to unfreeze the credit by blocking the request on the inter-net using XXXX XXXX as an option which can not release a freeze on credit. 
XXXX ) Transunion has also failed to provide an option on its website to contact a working phone number to speak to anyone. 
XXXX ) When logging onto their website to unfreeze credit, Transunion provides a security code/password which their system will not accept, even though they provided the security code/password. 

I need the freeze on my Transunion report released for XXXX hours to complete the credit inquiry by the mortgage lender. 
My Social Security number is : XXXX Name : XXXX XXXX XXXX contact : XXXX Email : XXXX Please have Transunion XXXX or release the credit freeze for the dates XX/XX/year> and XX/XX/year> to allow the mortgage lender to finish their work in getting the loan approved.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Furnisher : XXXX XXXX XXXX XXXX XXXX as well as Original creditor : XXXX XXXX ( auto loan, XXXX XXXX XXXX ). 
In its CFPB response, XXXX states the FCRA XXXX is XX/XX/XXXX, it purchased the account on XX/XX/XXXX, and on XX/XX/XXXX it requested deletion of its tradeline with all CRAs. Despite this, an XXXX collection tradeline remains on my Equifax file XXXX Under FCRA 611 ( a ), Equifax must conduct a reasonable reinvestigation and delete unverifiable/inaccurate information ; under 623 ( b ), the furnisher must correct/delete after notice. This isnt about balance/amountits about continued reporting after a deletion request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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 am formally disputing accounts listed on my credit history that I did not authorize. Please review thoroughly and expunge these entries from my record. Documentation is attached.

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 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
We did a balance transfer to American Express on XXXX. We had been approved for a XXXXcredit limit. We had transferred XXXX at zero percent interest because they sent us a special in the mail. We had used the card for some purchases, but we had immediately paid for those transactions on the card. During our vacation we get a notice on our account that we have to make a payment of {$1800.00} in order to keep our credit limit. My husband called the credit card company explaining that we have never made a late payment that we had already made a XXXX payment plus XXXX payment for XXXX. They said if we didn't make this additional payment that they would reduce our credit limit. We didn't make the additional payment, and they reduced our credit limit to XXXX and they froze our card so we can not use it. I have never heard of such harassment or bullying from a credit card company that approved us and then change once approved after we had the card for a couple of months. We will not use American Express again after this experience and we would like others to be aware of their deceptive practices, and they should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-15 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: WA

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