vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Unauthorized Reporting of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because XXXX or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted TRANSUNION several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities. 
I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and delete any information reported without suchauthorization.

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 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XX/XX/year>, XXXX was sick with XXXX XXXX  that resulted in XXXX later for XXXX 
Called Capital One for a hold on payments. 
By XXXX, they would not allow us to make any payment unless we called to make a payment. They refused the offer, which was half of the payment. 
In XXXX, I voluntarily surrendered the XXXX XXXX. 
They keep calling daily, then hanging up when you answer. 
Now, I am receiving, after numerous calls to re-surrender the vehicle, an offer to settle was sent to my husband and I 's email. 
Now, 8 months later, I am still dealing with the vehicle sitting in my driveway and receiving a threat to settle or be sued. How many times do we have to voluntarily surrender this vehicle?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX DEBT RECOVE on XX/XX/XXXX under the account number XXXXXXXXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$35000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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.

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 2025-10-13 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: DC

Complaint narrative:
XXXX XXXX added fraudulent charges to my XXXX credit card after I closed it. My XXXX credit card account from XXXX XXXX was closed and paid in full. I have a letter from XXXX that my account was closed, paid in full and has a XXXX balance. I disputed the charges with XXXX XXXX. However, they refused to fix the problem. XXXX XXXX is engaging in fraudulent business practice. See attached documents. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Between the months of XXXX and XXXX, my credit score has dropped XXXX points for no reason.There were inquiries on here that I did not request.I 've contacted all three credit bureaus.They opened an investigation and within a few hours, they close it.And tell me they find for the.Report on my credit report. This is unacceptable.I 'm trying to build my credit by making payments to debtors.Nothing is showing properlyThey keep dropping my score rather than increasing it. I've been dealing with this for over a year, and no one seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$14000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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.

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 2025-10-13 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:
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 non-monetary relief
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am submitting this statement to dispute inaccurate information reported on my credit report. The addresses listed under my name XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX are incorrect and do not reflect my current or prior residence. Reporting inaccurate addresses violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. 
Additionally, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge-off, but the account had a {$0.00} balance with the last payment made on XX/XX/year>. Reporting this account inaccurately as an open or unresolved charge-off violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide only accurate information and prohibits reporting information they know or should know is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am submitting this statement to dispute inaccurate information reported on my credit report. The addresses listed under my name XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX are incorrect and do not reflect my current or prior residence. Reporting inaccurate addresses violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. 
Additionally, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed as a charge-off, but the account had a {$0.00} balance with the last payment made on XX/XX/year>. Reporting this account inaccurately as an open or unresolved charge-off violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide only accurate information and prohibits reporting information they know or should know is incorrect.

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 2025-10-13 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: VA

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime Wrongfully Denied Fraud Dispute Case # XXXX Regulation XXXX Violation My dispute case # XXXX with Chime was wrongfully denied without a full and fair investigation. I reported 26 unauthorized Cash App transactions that I never approved. These were fraudulent charges that caused significant financial loss. 

Despite following the correct dispute procedure and contacting Chime multiple times, they closed my case and refused to issue any refund or temporary ( provisional ) credit. This is a clear violation of Regulation E under the Electronic Fund Transfer Act, which requires financial institutions to investigate unauthorized transactions promptly and provide provisional credit within 10 business days.

I have cooperated fully and provided all the necessary details. Chimes handling of this case has been negligent and unfair, leaving me without access to my own funds. I am requesting CFPBs immediate assistance to ensure compliance and recovery of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On or about XX/XX/year> I completed a HELOC application for {$55000.00}. My current mortgage is with the lender so my request was for a line of credit to payoff credit cards that had been used to finance repairs made to the property. 
On XX/XX/year> I received an email from the loan processor that the loan application had been conditionally approved, subject to the following : 1. Homeowners insurance policy reflecting the lenders mortgagee clause with 2nd lien position for the loan amount. 
2. Explanation for commute to subject property of 1260 miles from employers address. Do I work remotely?

3. Confirm intended use of loan proceeds.

4. Confirm ownership interest of other properties shown on credit report.

5. Provide two most recent utility bills.

6. Provide email address and date of birth of spouse who is listed on title on the original mortgage and would be required to attend the HELOC closing. 
On XX/XX/year> the processor emailed that the utility bills provided were not in my name, but my wifes name and that they needed proof of occupancy with a utility bill in my name. I forwarded them a copy of the homeowners insurance policy that was in both my and my wifes name and reminded them that the original mortgage was already in my name as a primary residence. Additionally, I advised them that I worked remotely, but also had a basement unit that I rented in my employers home state when I traveled back for reporting and audit purposes. I provided the lender with a VOE from my employer confirming my remote work status. 
On XX/XX/year> I received a phone call from the underwriting team that the HELOC application had been denied due to occupancy status. I immediately sent an email to the loan processor officially requesting a QWR review of the underwriting decision. Additionally, I advised that I would be filing a complaint with the CFPB regarding this determination. 
To date, I have not received a reply to my QWR request, nor given any counteroffer on my HELOC request, nor any option to validate my occupancy status.

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 2025-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
I am contacting you in response to your statement provided through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, regarding a XXXX  account you allege I owe. You stated that Source Receivables Management is the fourth collection agency to handle this same debt. 

Please be advised that this account was previously deleted from my credit report when reported by a prior agency, due to being unverified and/or inaccurate. Reappearance of this same debt, whether by a new agency or under a different tradeline, raises serious concerns under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under FCRA 611 ( a ) ( 5 ) ( B ), once an item has been deleted from a consumers credit file, it may not be reinserted unless it has been certified as accurate by the furnisher. Additionally, FCRA 623 ( a ) ( 5 ) prohibits any attempt to alter the date of first delinquency to make an old debt appear more recent a practice known as re-aging.

Therefore, I am requesting the following : 1. Full validation of this debt, including original signed contract with XXXX XXXX complete account history, and documented proof of assignment or ownership showing your legal authority to collect. 
2. Written confirmation of the original date of first delinquency reported by XXXX. 
3. Removal of any reporting to credit bureaus until this debt is fully validated with supporting documentation.

If you are unable to provide this documentation within 30 days, you are required to cease all collection efforts and request permanent deletion of this account from any credit reporting agencies.

Please note that any attempt to report or collect an unverified or previously deleted debt will be considered a willful violation of the FCRA and FDCPA, and I reserve my right to pursue all legal remedies available.

I request that all future communications be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank Equipment Finance Lease of an XXXX XXXX XXXX monthly payment of {$410.00} plus tax and insurance was {$520.00} 60 month Lease Signed lease in XX/XX/XXXX first payment was XXXX of XXXX US bank claimed they sent a " courtesy '' letter saying the lease was nearing the end ( no dates included of when the end of the lease would be ) in XXXX of XXXX Because we were not aware that the equipment was paid off and US bank kept sending us invoices, we have paid for a printer for 3 additional years over the lease term without them ever stating that we have paid this equipment in full. 
For a XXXX  that was originally priced at 60 months x {$410.00} = {$25000.00} we have paid {$50000.00} on a printer that it today 's XXXX is only worth {$12000.00}. 

We have since worked with US bank and closed the lease. It just doesn't seem right that they could keep charging over {$25000.00} dollars without more communication that says your equipment has been paid, or monthly statements indicating the buy off amount, etc. Just one letter back in XXXX that we have no record of receiving. Seems like fraud and I am not sure how many other companies don't realize this. 

Thank you.

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 2025-10-13 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: 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 2025-10-13 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: WA

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
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