vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: GA

Complaint narrative:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 3 credit inquiries that I did not authorize.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRIES ACCOUNT : INQUIRY ACCOUNT NAME : XXXX XXXX XXXX INQUIRY ACCOUNT NAME : XXXX XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXXXX/XX/year> Please have these inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-09-18 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:
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 Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-09-18 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: CT

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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
I am a victim XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX - Balance {$1400.00} Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$230.00} Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$390.00} Account Name XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$68000.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX - Balance {$160.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - Balance {$390.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-18 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: FL

Complaint narrative:
The first issue I must raise involves several charge-offs that continue to appear on my report. These accounts are being reported as outstanding debts above {$600.00}, yet I have never received a 1099-C, which is required when a cancellation of debt occurs. Without this documentation, the reporting of these accounts is incomplete and violates the accuracy standards of FCRA 607 ( b ). Specifically, these include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with balances of {$4700.00} and {$7200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3300.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}. * * Beyond the charge-offs, I was troubled to find collection accounts being reported in my name that I can not verify as mine. These accounts appear inaccurate and unsubstantiated, and under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2, I have the right to dispute these items and request their deletion if they can not be fully verified. These collections include : XXXX XXXX XXXX with a balance of {$6200.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1100.00}, and XXXX XXXX XXXX XXXX with a balance of {$3900.00}. * * In addition, I noticed that my file contains several hard inquiries that I never authorized. These inquiries were made without my knowledge or permissible purpose, and their presence violates my rights under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What happened : Chase blocked my corporate email ( XXXX ) and business phone number ( XXXX ) from being used with XXXX. I attempted to connect XXXX with another bank, but was told my email and phone remain blocked by Chase. During my last attempt to resolve this, I spent over XXXX minutes being transferred between Chase departments, then was placed on hold for XXXX minutes before the call was dropped. 

This restriction prevents me from using XXXX for business payments. It is unreasonable for Chase to control and block my contact information outside their bank. The issue is not related to fraud or XXXX misuse it is connected to Chases ongoing investigation of XXXX checks, but instead of resolving that matter, Chase blocks my XXXX access. I have filed a police report with the XXXX Police Department ( XXXX XXXX. XXXX ) regarding Chases actions and the harm to my business. 

If Chase does not stop these arbitrary restrictions and the pattern of harassment, I will escalate further : involve media outlets and retain legal counsel to protect my business. Their actions amount to unreasonable harassment of a small business and must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to ensure maximum possible accuracy, failure to conduct a reasonable reinvestigation, and failure to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

Despite submitting disputes with proper documentation, the credit bureaus continue to report inaccurate and unverifiable information on my file. I specifically requested details of their reinvestigation procedures, including the business name, address, and phone number of each furnisher contacted, the documentation relied upon, and the procedures used. They have failed to provide this, violating my rights under the FCRA. 

Disputed Items Include : Incorrect Personal Information : Previous addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and incorrect employer entry ( XXXX  ). 

Collections/Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

By continuing to report these items without proof of accuracy, the credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failing to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failing to provide the method of 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to ensure maximum possible accuracy, failure to conduct a reasonable reinvestigation, and failure to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

Despite submitting disputes with proper documentation, the credit bureaus continue to report inaccurate and unverifiable information on my file. I specifically requested details of their reinvestigation procedures, including the business name, address, and phone number of each furnisher contacted, the documentation relied upon, and the procedures used. They have failed to provide this, violating my rights under the FCRA. 

Disputed Items Include : Incorrect Personal Information : Previous addresses ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and incorrect employer entry ( XXXX  ). 

Collections/Charge-Offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

By continuing to report these items without proof of accuracy, the credit bureaus are in violation of : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failing to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failing to provide the method of 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 2025-09-18 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: TX

Complaint narrative:
Formal Complaint Against Equifax and TransUnion XXXX XXXX XXXX XXXX XXXX I am submitting this formal complaint against Equifax and TransUnion for their violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate, inconsistent, and unlawful reporting of the following accounts : - XXXXXXXX XXXX XXXX- XXXX XXXX  XXXX XXXX Inconsistent Reporting Across Credit Bureaus Credit Bureau Account Status Balance Reported Date Closed Key Evidence of FCRA Violations Reporting account as active with balance despite charge-off ; contradicts XXXX  and TransUnion. Reporting account as closed with charge-off, inconsistent with Equifax. 

1. Contradictory account status : Equifax reports Open, while TransUnion reports Closed. XXXX  deleted the account. 
2. Inconsistent balance history : Highest balance differs ( {$0.00} vs {$8400.00} ).

3. Payment history discrepancies : Different late payment and derogatory marks across Equifax and TransUnion.

4. Failure to reinvestigate : Despite Experians deletion, Equifax and TransUnion continue to report unverifiable data. 

Requested Action : I respectfully request that the CFPB : 1. Conduct an immediate investigation into Equifax and TransUnions handling of my disputes. 
2. Require Equifax and TransUnion to provide documentation of their alleged verification from XXXX XXXX. 
3. Order the permanent deletion of the XXXX XXXX account from Equifax and TransUnion, consistent with XXXX  findings. 
4. Review the XXXX XXXX account for compliance and accuracy under FCRA standards. Conclusion : Equifax and XXXX actions demonstrate a pattern of negligence and willful noncompliance with federal law. Their inconsistent and false reporting is directly harming my creditworthiness and financial opportunities. Immediate corrective action is required. 
Attached are supporting documents including dispute letters, XXXX  deletion confirmation, and screenshots showing Equifax and TransUnions inconsistent reporting. 
request that bureaus comply with documentation of investigation procedures

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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: AMERIS BANCORP
State: TX

Complaint narrative:
In XXXX, I entered into what XXXX XXXX XXXXepresented as an equipment financing loan. XXXX later began treating it as a lease, sending invoices labeled rent and using lease-style language that did not match the original agreement. Despite this, XXXX filed a XXXX lien. 

When I experienced medical hardship and attempted to make payments, XXXX threatened repossession of nearly all financed equipment, not just XXXX unit. They repossessed multiple pieces of equipment without ever providing legally required notices of default, sale, or deficiency balance. I was never given an opportunity to cure or to receive proof of auction or sale. 

I repeatedly requested documentation ( repossession notices, deficiency statements, itemized sale records, and proof of compliance with state UCC requirements ). XXXX failed to provide any of this information. At the same time, they reported the obligation directly on my personal credit file, which shows that I was personally impacted as a consumer despite their claims otherwise. 

This has caused severe financial harm, damage to my credit, loss of equipment, and legal entanglements. XXXX conduct reflects deceptive and abusive practices, including misrepresentation of the contract as a lease/loan hybrid, failure to provide required notices, and improper credit reporting. I ask the CFPB to investigate and take enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I am disputing inaccurate information that Experian is reporting on my credit file. The tradeline from XXXX XXXX XXXX shows an inflated balance because it includes hundreds of dollars of unauthorized interest. My tenancy was in XXXX, and the XXXX XXXX XXXX does not permit interest on unpaid rent unless it is explicitly in the lease or ordered by a court. No such lease clause exists, and the resident ledger from the landlord shows only rent, utilities, and late fees, not interest. 

I previously disputed this account with Experian, but Experian verified the balance as accurate. The only documentation XXXX XXXX has ever provided is a one-page validation letter claiming interest at either XXXX percent per year or XXXX percent per month, depending on which version of their story is considered, but no proof from my lease or a court judgment. Experian did not provide any explanation of what documents were reviewed and appears to have relied solely on the furnishers unsubstantiated claims. 

By continuing to report this inflated balance after I provided evidence that the interest was unauthorized, Experian has failed to meet its obligations under the Fair Credit Reporting Act to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. The reporting remains inaccurate and has already harmed me, including the denial of rental housing. I request that Experian delete or correct this tradeline to reflect only lawful, verified charges, or remove it entirely if no proper validation can be provided.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am writing to dispute your debt validation response. based on the information you have provided to the XXXX XXXX XXXX you have charged this debt off for tax purposes. I am requesting the following documentation. 

XXXX. XXXX because the debt was charged off/written off XXXX. Full Breakdown of how the balance was calculated ( principal, interest and fees XXXX. Proof this debt was not securitized

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I purchased my home through Vanderbilt Mortgage and Finance in XXXX, and since then I have faced ongoing issues including XXXX discrimination, denial of hardship assistance, and unprofessional customer service. 

I live with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I informed Vanderbilt of my situation and requested forbearance ( which their website says they offer ), but was told they do not provide it. Instead of compassion, their representatives made discriminatory and offensive remarks such as questioning why I cant keep a job or never have money. 

When I tried to pay my past-due balance, Vanderbilt refused to accept my payment and refunded it due to a minor XXXX mix-upwithout allowing me to correct the issue. Now, I am being contacted only by third-party contractors and have been told I must leave my home, though Vanderbilt has not communicated directly with me. 

This has been devastating. I am facing losing my home while caring for a newborn baby, all while battling a serious health condition. I feel misled, discriminated against, and abandoned by a company that should be working with me in good faith. 

I am requesting that someone contact Vanderbilt Mortgage and Finance and hold them accountable for their treatment of customers, and help ensure I am given a fair chance to keep my home.

Company response to consumer: Closed with explanation