vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I was reviewing my credit report and noticed hard inquiries that don't belong 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 non-monetary relief
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARD
S.

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 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ OFFICE OF THE ATTY GEN ] Account Number : [ XXXXXXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ 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 2025-12-16 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-12-16 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Upon carefully reviewing my credit report, I discovered multiple fraudulent accounts that I did not authorize or initiate, clearly indicating unauthorized activity on my accounts.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: ND

Complaint narrative:
I am disputing the above-referenced account and requesting full debt validation. I have not been provided documentation showing that the balance reported is accurate or that I am legally responsible for the alleged debt. I have not received the original loan agreement, a complete payment history, or documentation explaining how the balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
First national bank has attached a mortgage to me that does not belong to me. The person has the same first and last name but different middle name. The sheriffs office was here in XXXX. After clarifying that it was not me they were able to send the correct address to the bank. They didnt change it. They sent the sheriff to my house again and have the sheriffs office sending me letters. They even added her name to my credit report as an alias.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: WA

Complaint narrative:
This is regarding order from Kikoff on XX/XX/XXXX for {$35.00}, on XX/XX/XXXX for {$35.00}, and on XX/XX/XXXX for {$35.00} under email XXXX. This company is fraudulent, and I did not authorize these purchases. Even though I've tried to resolve it with them, they refuse to do anything. I've contacted them many times. I demand a full refund for immediately. They are a predatory company that should be shut down for misleading and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Block, Inc.
State: OH

Complaint narrative:
My account was deactivated last week because they said I violated a rule. When asked what rules I violated their response was The same that I violated a rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
Despite providing information and declaration of being a XXXX XXXX XXXX XXXX XXXX times now, Transunion has not complied with federal regulations stating account must be removed within XXXX business days. All accounts have been removed EXCEPT PUBLIC RECORD US BANKRUPTCY which needs to be deleted and blocked per FCRA law.

Resubmitting documents below.

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 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
On XX/XX/year> me and scholars in went to court, due to the living conditions judge granted the allowance of breaking my lease early. I soon found out the apartment put a collection on my credit, Ive tried reach out to the Apartment XXXX and found out he was fired for embezzlement and the apartment is no longer call scholars inn. Ive tried reaching out by phone call, and showing to the to leasing office and nobody has responded back. Ive been fighting with this for several months into almost XXXX year. Ive filed a dispute and its been lingering than 3 months, and Ive not gotten any resolution from it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I have demanded, through direct correspondence with these companies/collection agencies, that they provide me with proof to justify their wrongful and illegal behavior towards me and my name, as they have been reporting erroneous information to the three main credit reporting agencies/bureaus under my name. This has significantly damaged my name, reputation, and future, as well as that of my family. I have received no response from them, and despite this, they continue to illegally report inaccurate information without my consent.So I don't understand how the main credit reporting agenciesXXXX XXXX XXXX  XXXX continue to say that they properly investigated my disputes and that they received information from these collection agencies/companies that are reporting erroneous information on my credit report, when I haven't received any response from these agencies, even though I have demanded that they show me sufficient proof of any document, agreement, or contract signed by me directly with these agencies, for them to assert my debt or misconduct, illegally defaming me and without my consent.They must immediately cease reporting erroneous information under my name and without my consent, and all alleged negative accounts under my name must be immediately removed from those files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
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 2025-12-16 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 disputing the following accounts on my credit report with XXXX These accounts are reported as charged off, and I request a thorough investigation to verify the accuracy of the reported information. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-12-16 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days! 

These Fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
At once, be mindful that i am the XXXX XXXX XXXX, the indigenous aborigine muurish amexum yehudim occupant and Executor of the XXXX XXXX XXXX, Estate. My mailing address is changed XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, United States XXXX XXXX XXXX XXXX XXXX XXXX. [ XXXX ]. ). Again, we thank you much for your consideration. You have been noticed, in all continents ... shalom...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — FHA mortgage
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: Freedom Mortgage Company
State: IN

Complaint narrative:
I let Freedom Mortgage know that I was having a financial hardship and they put me on a forbearance plan and told me that payments during this time are not required, then denied me a deferral plan or any other plan due to not enough payments being made while on forbearance. They told me it is the fha new rules and there is nothing they can do about it. Now my home is only approved for foreclosure or deed in lieu. 

This was definitely a very deceptive practice. If they knew ahead of time that fha rules require a certain number of payments to qualify for a deferral type program or re-payment program or any other program that does not involve foreclosure then they should have notified me of that to prevent this issue. 

My plan is to appeal but I shouldn't even be in this position to begin with. Several of their customer service reps told me payments were not required when in fact they were to qualify for relief from a financial hardship and instead I have to challenge them with an appeal that may or may not be approved. This is entirely unacceptable.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please see the attached CFPB Submission Packet and Affidavit.

This complaint concerns multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by Experian, Equifax, TransUnion, and associated furnishers.

The attached packet provides a complete, sworn explanation of the inaccuracies, inconsistencies, and unauthorized reporting affecting my credit file, along with the corrective actions requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
Please see the attached CFPB Submission Packet and Affidavit.

This complaint concerns multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) by Experian, Equifax, TransUnion, and associated furnishers.

The attached packet provides a complete, sworn explanation of the inaccuracies, inconsistencies, and unauthorized reporting affecting my credit file, along with the corrective actions requested.

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