vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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 am placing this complaint because all three credit bureaus have placed inquiries on my accounts that I did not authorize or incur. I have charge off accounts that do not belong to me. I have a collection account that Ive never seen this company and Ive never provided my information to this company or been in debt with this company to say I have a collection and I have late payments which I have never been late on on any of my accounts as you can see my scores I maintain a great score and a good payment history I want these things are moved. Immediately. I have addresses on this account that do not belong to me. Were probably used by whoever is using my account. This is wrong and should be corrected.These credit bureaus are misusing the consumers account 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 non-monetary relief
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX 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, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: HFG Holdings, Inc.
State: MI

Complaint narrative:
Hello, I was sent a closing disclosure with a origination fee that seemed unusually high. I questioned them and they said they bought down the rate to 5.99 %. I had not asked them to do that and they did not disclose to me that this was being done. I asked them to correct and remove it. I don't feel this was fairly communicated and had I not asked it would have closed that way without me knowing. Very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bureau of Accounts Control
State: PA

Complaint narrative:
I am submitting this complaint regarding a debt that BUREAU OF ACCOUNTS CON claims I owe. I dispute the validity of this debt and request validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that BUREAU OF ACCOUNTS CON provide : The name of the original creditor.

The exact amount of the alleged debt, including any interest, fees, or charges.

Copies of any written contract or agreement that makes me legally responsible for this debt. 

Proof that BUREAU OF ACCOUNTS CON is licensed to collect debts in my state. 

Documentation showing that BUREAU OF ACCOUNTS CON has the authority to collect this debt on behalf of the original creditor. 

Until validation is provided, I request that all collection activity cease, including reporting to credit bureaus, as required by the FDCPA. I also request that all communication regarding this matter be in writing only.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
LET ME EXPLAIN WHAT HAPPENED, THIS IS A CONFUSION WITH COLLECTIONS AND THIS IS A SERIOUS PROBLEM, THIS HAS BEEN SUCH A LENGTHY PROCESS AND I HAVE YET TO RECEIVE ANY INFO.... PLEASE HELP ME IN OBTAINING THE PROPER ATTENTION TO MY COMPLAINT. 

I WANT PROOF XXXX XXXX XXXX XXXX IS NOT AND FOR THEM TO DELETE THIS FROM MYB 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are inaccurate addresses, Phone numbers and name spellings on my credit account. The following address XXXX XXXX XXXX is an address Ive never lived at. The spelling of my name is incorrect. Phone number XXXX is not my current phone number.

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 2025-10-15 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: PA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report and to request your assistance in addressing this violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Inquiry : Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Credit Bureau ( XXXX ) Reporting : [ Experian, TransUnion ] I did not authorize this credit inquiry, nor did I initiate any credit application, transaction, or relationship that would warrant such access. The inquiry was made without my consent and constitutes a violation of my rights under the FCRA, specifically : Section 604 ( a ) ( 3 ) of the FCRA, which strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report.

Section 604 ( f ), which prohibits a person from using or obtaining a consumer report without a permissible purpose.

Under the FCRA, unauthorized access to my credit file is not only grounds for dispute and removal but may also subject the responsible party to civil liability. 

I have attempted to resolve this matter directly with the entity responsible and the credit reporting agency, but have not received an adequate resolution. Therefore, I respectfully request the CFPB to : XXXX. Investigate this unauthorized inquiry. 
XXXX. Instruct the credit reporting agencies to remove the inquiry from my credit report. 
XXXX. Take appropriate enforcement action if the inquiry was indeed made without a legally permissible purpose.

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 2025-10-15 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
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
Dear Experian 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 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

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I randomly received a notification from Cash App stating my balance was negative {$470.00}. I had a XXXX balance and was overdrawn the allowed amount and they still allowed this transaction to go through. I have no idea who took the money and they can not tell me who did or why it was even processed. My paycheck goes to this account every week and this will certainly leave me in a compromised position and I have been trying to get answers for XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
Same as complaint XXXX Still nothing has been done. The account is open and a payment I do not owe is due XX/XX/XXXX. It's been over a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ

Complaint narrative:
On XX/XX/year> I received a lawsuit from Hayt Hayt and Landau on behalf of XXXX XXXX. On XX/XX/year> I emailed XXXX of the lawyers listed on the lawsuit to request to enter a payment arrangement. I received no response. On XX/XX/year> I went on the website listed in there lawsuit to make a payment arrangement of {$100.00} a month starting XX/XX/year> to be withdrawn from my bank account automatically. On XX/XX/year> I called their office to confirm the agreement and request a stipulation of settlement. I was told by their representative that I would not have to submit anything to the courts and my agreement was sent out the previous day and would arrive by XX/XX/year> or XX/XX/year>. On XX/XX/year> I signed a stipulation of settlement agreement with Hayt Hayt and Landau. I was given legal advice from a friend to submit the stipulation to the courts just in case the debt XXXX dont as they stated they would. The lawsuit was ruled settled. On XX/XX/year> I contacted my bank to confirm whether the money was due to be withdrawn. Hayt Hayt and landau use XXXX  for payment services. My bank stated they did not see any transactions from them or their service provider. I thought it XXXX be a mistake as their website displayed the payment was deducted from the total amount owed and pending. On XX/XX/year> I received a letter from them dated XX/XX/year> stating I had until XX/XX/year> to agree to the XXXX new offers they had available. They did not mention the previous agreement being defaulted and stated they filed another suit with the courts. I checked their website again and it looks like they attempted to process the payment on XX/XX/year> and XX/XX/year>. I contacted my bank to confirm if the payments were returned or rejected. My bank said they did not see any transactions from XXXX or Hayt Hayt and landau. Im more than willing to make the payments but they must follow through on their end as I have no control over how the payments are processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MA

Complaint narrative:
I am writing to advise that I am a XXXX XXXX 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 XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$17000.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$4500.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$6600.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$650.00}

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDICO. INC
State: SD

Complaint narrative:
I owe {$180.00} from XXXX XXXX. The bill got send over to collections XXXX week ago, and from the bill going to collections, the debt collector and paper copy says I owe {$3000.00} because it had sent over to collections. I principally paid the collection bill with XXXX afterwards because the credit collections Bureau tried charging me {$3000.00}. I called XXXX and they said I should only owe {$3.00} extra from the collection bill from XXXX to {$180.00}, but credit collections bureau is trying to scam me XXXX due to the bill getting sent them for XXXX week sitting in collections.

Company response to consumer: Closed with explanation