vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed that Transworld Systems , Inc. is reporting a collection account on my credit report, which I do not recognize or owe. I immediately sent them a formal debt validation request as allowed under the FDCPA included. However, they failed to provide proper validation such as a signed agreement, account details, or any proof tying me to this debt. Despite the lack of evidence, they continued reporting this negative account to the credit bureaus, causing damage to my credit reputation and emotional distress. I believe this account is not mine and that the company is violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I deposited a cashiers check issued by XXXX XXXX in the amount of {$4200.00} at a Bank of America branch. This check was issued by our attorney specifically to pay our rent, which is tied to an active eviction case. Timely access to these funds is critical not only for paying rent but also for enabling our attorney to complete their legal work with the property management company handling our case.

At the time of deposit, I was assured that the funds would be available the very next day ( XX/XX/XXXX ) by XXXXXXXX XXXX, consistent with federal rules under Regulation CC, which generally require next-business-day availability for cashiers checks. 

However, upon checking my account, I discovered that the bank placed a hold until XX/XX/year>. This jeopardizes my ability to pay rent, delays my attorneys work, and weakens my familys legal standing in the eviction case. 

When I contacted the bank for clarification, they cited the following reasons for the hold : Reasonable doubt of collectability The amount is greater than {$6700.00} The check was presented by a third party Official checks are subject to stop payment None of these apply : The check is a cashiers check ( not a personal check ). 
The amount is below {$6700.00}. 
The check was issued directly by my attorney, not a random third party. 
Cashiers checks, by definition, are guaranteed funds.

Furthermore, when I visited a branch in person to request a written notice of the hold, as required by law, the staff refused to provide one.

Why This Is a Problem : This appears to be a violation of federal Funds Availability rules under Regulation CC.

The banks failure to provide a written explanation compounds the issue.

Because this check was for rent tied to an eviction notice, and because my attorney can not proceed with legal work until it clears, the banks actions are directly harming my familys housing stability.

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 2025-09-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: OneMain Finance Corporation
State: MS

Complaint narrative:
My card is currently blocked because I filed a complaint with the CFPB. This is a form of discrimination and retailation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MI

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 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 2025-09-17 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: MI

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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXI am filing this complaint because [Experian / Equifax / TransUnion] has violated the Fair Credit Reporting Act (15 U.S.C.  1681i). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i(a)(1)(A), 1681i(a)(5), 1681i(a)(6), and 1681e(b). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC (XXXX XXXX XXXX) confirmed all objectively verifiable inaccuracies must be corrected; XXXX XXXX XXXX XXXX XXXX (XXXX XXXX) held no entity is immune from FCRA liability; and Norman v. TransUnion, LLC (XXXX XXXX XXXX) resulted in a $XXXX  million settlement for failing to investigate disputes and allowing inaccuracies to remain.\n\nAccounts To Be DeletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-17 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: NC

Complaint narrative:
XXXXI am filing this complaint because [Experian / Equifax / TransUnion] has violated the Fair Credit Reporting Act (15 U.S.C.  1681i). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i(a)(1)(A), 1681i(a)(5), 1681i(a)(6), and 1681e(b). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC (XXXX XXXX XXXX) confirmed all objectively verifiable inaccuracies must be corrected; XXXX XXXX XXXX XXXX XXXX (XXXX XXXX) held no entity is immune from FCRA liability; and Norman v. TransUnion, LLC (XXXX XXXX XXXX) resulted in a $XXXX  million settlement for failing to investigate disputes and allowing inaccuracies to remain.\n\nAccounts To Be DeletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Credit Control, LLC
State: WI

Complaint narrative:
I am disputing a deficiency balance of {$69000.00} being collected by Credit Control , LLC on behalf of XXXX XXXX XXXX XXXX. 

I financed XXXX trucks for {$110000.00} on a 60-month contract with payments of {$3400.00}. 

Due to financial hardship, XXXX truck was returned and XXXX was involved in an accident. XXXX paid {$53000.00}. 

According to records, I have already paid {$100000.00}. 

XXXX XXXX sold the returned truck for only {$10000.00}, despite a fair market value closer to {$30000.00}. I never received advance notice of the auction or a detailed post-sale statement. 

Despite repeated written requests, neither XXXX XXXX nor Credit Control has provided an itemized statement showing : How my payments were applied ( principal vs interest ) How insurance proceeds were credited How the auction sale was applied How the {$69000.00} balance was calculated Instead, I received only a basic payment history ledger, which does not satisfy debt validation requirements under the FDCPA. 

Resolution requested : Suspend all collection activity until full validation is provided Provide a detailed, itemized statement of how the balance was calculated Recalculate balance removing unearned interest and applying insurance/sale proceeds properly Remove any negative credit reporting Investigate possible unfair or predatory practices

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 2025-09-17 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: FL

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed, with applications made in my name that I did not authorize. These companies pulled my credit report without my consent, and I do not recognize these inquiries. I never applied to these entities, nor did I provide any form of authorization. This situation is deeply troubling, a clear violation of my rights as a consumer, and frankly insulting given that I have always acted responsibly and lawfully.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLIANT CREDIT UNION
State: VA

Complaint narrative:
XX/XX/XXXX - I received an alert from XXXX  about activity on a dormant credit card, which is with Alliant Credit Unition ending in XXXX. I no longer have the physical card and have not used it for about a year. 

I logged into Alliant 's website and found there is a charge for {$14.00} from XXXX XXXX  on XX/XX/XXXX, posted on XX/XX/XXXX. I did not receive a statement with this charge on the account and at this point it is overdue. 

The same day ( XX/XX/XXXX ) I called Alliant and reported the fraudulent charge and asked them to close the account. They acknowledged this. 

My XXXX account does not have this card linked and shows no payment being made to it as is shown on the Alliant credit card statement. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX - Alliant has added a {$15.00} late fee as well as rolled the entire balance over to a new card which I explicitly told them I do not want during my call on XX/XX/XXXX. In addition, today I received a call from their collections department about this, trying to collect on this fraudlent charge and the other fees associated with it. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - There are multiple problems here : XXXX they clearly did not investigate anything about this fraudulent charge ( and again, I have my XXXX XXXX history showing I did not make this charge ) XXXX they issued a credit card that I told them I do not want XXXX they are charging late fees for not paying the balance on a fraudulent ( disputed ) charge XXXX they are trying to collect payment for a fraudulent ( disputed ) charge as well as fees and interest associated with it I believe that under the Fair Credit Billing Act they can not do what is outlined in items XXXX and XXXX above, which is why I'm already submitting a complaint to you. I will make one more call to them to try to resolve this but it's obvious to me that they don't want to treat their customers fairly and abide by standing law so I want to get this ball rolling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute the fraudulent accounts that have been wrongfully added to my credit report. These accounts were not opened by me, nor were they authorized in any way. Their presence is inaccurate, misleading, and harmful to my personal and financial reputation.

Company response to consumer: Closed with non-monetary relief