vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-24 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: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
This is not my debt. This debt belongs to a XXXX XXXX, this not my name nor is the address listed is mines. I have requested information, and I have not received any information stating that this is my debt. The balance on this account is XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Harris & Harris, Ltd.
State: MS

Complaint narrative:
This is not my debt. This debt belongs to a XXXX XXXX, this not my name nor is the address listed is mines. I have requested information, and I have not received any information stating that this is my debt. The balance on this account is XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-24 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: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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 REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-24 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NJ

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve any inaccuracies on the credit report ; otherwise, you must delete them from my credit file. 

CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with the companies in question and provide me with copies of any documentation bearing my signature that authorizes such inquiries. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

I am aware that the FCRA permits pulling a consumers credit report only for the following purposes : A firm offer of credit, Insurance, Court order, or Employment. 

Since I never authorized the inquiries listed below, I request that your agency remove them from my credit report. 
INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you report. Otherwise, anyone paying for your reporting services could fax, mail, or email fraudulent account information. 

I demand to see verifiable proof ( an original consumer contract with my signature on it ) for the account listed below : XXXXXXXX XXXX XXXXXXXX XXXX Your failure to positively verify this account has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide a copy of verifiable proof, you must delete this account from my report. 

NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf, with my full knowledge and consent. I am also aware that no statute in the FCRA requires me to provide you with a Power of Attorney, nor does the absence of such documentation allow you to delay the processing of my correspondence.

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 2025-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: AE

Complaint narrative:
This process for loan assumption has been over XXXX  days to complete. Finally, Citizens sent the buyer a new conditions letter that states she must have {$96000.00} in liquid funds for : {$46000.00} down payment ( this is somewhat accurate to close the gap in balance selling price ), {$300.00} processing fee ( accurate ), and random {$50000.00} additional fees. We are unable to properly communicate with the assumptions department a customer service does XXXX XXXX XXXX to provide on the WHAT the $ XXXX is for. That is clearly a violation of VA XXXX XXXX ( Change XXXX ). Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My mother added me to her XXXX XXXX XXXX XXXX credit card as an authorized userz last week my Equifax went from a XXXX to a XXXX. Today the account was removed and my score dropped back down to XXXX. It was only removed from Equifax. It still remains on XXXX  and XXXX. I did not make request for it to be removed. It must be an error in the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
On XX/XX/XXXX I submitted a a Public Service Loan Forgiveness Reconsideration request. 
I inquired on XX/XX/XXXX for the status of my request as it was to take 45 days according to their website. On XX/XX/XXXX I received information that my request had be escalated and that I would hear more. 
On XX/XX/XXXX I request information On XX/XX/XXXX XXXX i requested similar information and I received this reply " the case has already been escalated and is being worked. In this specific instance, Federal Student Aid ( FSA ) is working the case, and you may not have received communication requesting additional information. '' On XX/XX/XXXX, XXXX I request information on the status of my request and received this reply " Per our records, you have a PSLF Buyback request that is being reviewed. Due to the volume of requests, we can not provide an estimated resolution timeframe. However, you will be notified via email once a resolution is available. '' On XX/XX/XXXX, XXXX I submitted a feedback XXXX and received this back " Per our records, you have a PSLF Buyback request that is being reviewed. Due to the volume of requests, we can not provide an estimated resolution timeframe. However, you will be notified via email once a resolution is available. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. Several accounts have been fraudulently opened and are being reported on my credit report without my authorization. While I was traveling, I lost my laptop, phone, wallet, and all my identity documents which led to unauthorized individuals gaining access to my personal information and opening these accounts in my name Toyota Financial Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There we several rewards promotions last year for XXXX and XXXX. For XXXX it was a flat 40 %, while XXXX ranged from XXXX % depending on category. However, I was eventually told both retailers never had rewards ( just promo codes ), yet dozens of emails from Capital One Shopping to state otherwise. So after sending video links of me using the app to make purchases, I was told they couldn't view it, but would offer a courtesy exception for {$230.00} on the XXXX purchases. XXXX cents short by my math, but close enough there. 

Now the issue has been getting the rewards for my XXXX purchases. Only {$8.00} was ever paid out, but I should have roughly another {$94.00} depending mostly on the category calculations I had to assume. More excuses and denials on their end, but I went through all receipts and emails, and then got told to basically get lost by XXXX. 

" We've genuinely put our best efforts into assisting you, and while we wish we could do more, we've reached a point where our customer service team can't proceed further. Your feedback has been incredibly valuable. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
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 2025-09-24 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: TX

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 2025-09-24 00:00:00
Product: Mortgage — Conventional home 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: Acra Intermediate Holdings, LLC
State: TN

Complaint narrative:
So I started getting behind after closing a business during Hurricane Helen, after never really being able to catch up on my monthly payments we continued to reach out to the XXXX, my mortgage company. 
In XXXX we were offered help from XXXX, told to file a package through loss mitigation, no call, then we received email saying package was closed. I called them, they said file a package again through loss mitigation, I did. Packaged closed again. This continued several more times. Finally i was able to talk to a supervisor, we discussed everything, he looked at the package and said looks good. Before he could call me back, loss mitigation had closed the package again. I call back, have to speak with someone else, request a meeting, they said they don't know anything about our rights to request a meeting, even though they tell you, you have the right to that. 
My account was then elevated to a account advocacy person by XXXX that was supposed to work with me to resolve this. I have talked to him one time, left messages everyday for him, no call back. I called yesterday to find out my home now has a sale date of XXXX XXXX, XXXX. I have had 3 payments ready to pay since XXXX and have been advised by XXXX not to pay them due to the process of loss mitigation and the deferral process. 
I feel as if they are scamming me out of my home. I have been diligent calling at least 3-4 times a week to follow up if not more. I'm only asking them to deferral the payments I cant seem to catch up on. I am able to make the monthly payment moving forward. Why is there no mortgage assistance! Why are they not willing to help me by moving the 3 payments I'm behind to the end of my loan. Why do they want to take my house from me. I have 3 months of payments sitting waiting to be paid, but instead they say no don't make the payment during this process, now they say well we cant help you and you need all of it or we are selling your house in 3 weeks. I was asking for help because I didn't have what I was behind, but if I could have kept paying during this process, I wouldn't be in foreclosure because I would only be a few payments behind. Its XXXX  fault I am this far behind. I have not received anything in the mail or any other contact from XXXX yet about my homes sale date. The only reason I know is because I called XXXX to follow up on my request for assistance. I have also requested a transcript of all calls and packages I have filed through the online portal. I was told they representative had to make a request for that and I would hear back. Still waiting on that also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation