vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: VA

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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-09-22 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 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-09-22 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: TN

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-09-22 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: MD

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 Date Opened : XX/XX/year>, Balance : {$900.00} 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, as proof from the XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
I am filing this complaint because my credit reports continue to reflect XXXX collection accountsone with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX do not belong to me. 
I never applied for, opened, or authorized the debts underlying these accounts. They are fraudulent/unauthorized obligations. 
I have repeatedly disputed both accounts with all three consumer reporting agencies pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Each time, the bureaus responded that the accounts were verified and refused to remove them. No documentation or proof of ownership has ever been provided to me. 
Both XXXX and XXXX continue to report and attempt collection activity, despite my disputes and despite clear notice that these debts are not mine. 
The continued reporting of these accounts is inaccurate and unlawful. This has caused me serious harm, including lowered credit scores, denial of credit opportunities, reputational damage, and emotional distress. 
Laws Implicated Fair Credit Reporting Act ( FCRA ) : Failure to reasonably reinvestigate disputes ; continued reporting of inaccurate information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting and attempting to collect debts not owed. 
Relief Requested Removal of the XXXX and XXXX XXXX collection accounts from my credit reports with all three bureaus. 
Confirmation that neither XXXX nor XXXX will pursue or attempt to collect on these fraudulent debts. 
Oversight and enforcement by CFPB to ensure compliance with federal law by both the debt collectors and the consumer reporting agencies. 

XXXX XXXX XXXX XXXX : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IL

Complaint narrative:
I am filing this complaint because my credit reports continue to reflect XXXX collection accountsone with XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX do not belong to me. 
I never applied for, opened, or authorized the debts underlying these accounts. They are fraudulent/unauthorized obligations. 
I have repeatedly disputed both accounts with all three consumer reporting agencies pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Each time, the bureaus responded that the accounts were verified and refused to remove them. No documentation or proof of ownership has ever been provided to me. 
Both XXXX and XXXX continue to report and attempt collection activity, despite my disputes and despite clear notice that these debts are not mine. 
The continued reporting of these accounts is inaccurate and unlawful. This has caused me serious harm, including lowered credit scores, denial of credit opportunities, reputational damage, and emotional distress. 
Laws Implicated Fair Credit Reporting Act ( FCRA ) : Failure to reasonably reinvestigate disputes ; continued reporting of inaccurate information. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting and attempting to collect debts not owed. 
Relief Requested Removal of the XXXX and XXXX XXXX collection accounts from my credit reports with all three bureaus. 
Confirmation that neither XXXX nor XXXX will pursue or attempt to collect on these fraudulent debts. 
Oversight and enforcement by CFPB to ensure compliance with federal law by both the debt collectors and the consumer reporting agencies. 

XXXX XXXX XXXX XXXX : XX/XX/year> 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 2025-09-22 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: Lentegrity Management, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding an unauthorized hard inquiry that appeared on my XXXX  credit report from the company listed below : Company Name : Lentegrity LLC Inquiry Date : XX/XX/year> Credit Bureau XXXX : XXXX  I did not authorize Lentegrity LLC to access my credit report. I have no relationship or prior contact with this company, nor have I applied for any products, services, or credit from them. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ), a company must have permissible purpose and consumer authorization to pull a credit report. This inquiry appears to have been conducted without my consent and may be considered a violation of federal law. 

I contacted XXXX  to dispute the inquiry and request its removal. However, I am submitting this complaint to formally escalate the issue for investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I am submitting this complaint regarding an unauthorized hard inquiry that appeared on my TransUnion credit report from the company listed below : Company Name : XXXX XXXX Inquiry Date : XX/XX/year> Credit Bureau Involved : TransUnion I did not authorize XXXX XXXX to access my credit report. I have no relationship or prior contact with this company, nor have I applied for any products, services, or credit from them. 

Under the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ), a company must have permissible purpose and consumer authorization to pull a credit report. This inquiry appears to have been conducted without my consent and may be considered a violation of federal law. 

I contacted TransUnion to dispute the inquiry and request its removal. However, I am submitting this complaint to formally escalate the issue for investigation.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Toyota Credit De Puerto Rico Corp.
State: LA

Complaint narrative:
They did not provide me a lower IPR eve though I am qualified for SCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received a text message from CREDENCE RESOURCE MANAGEMENT, LLC-Debt Collector on XX/XX/year> regarding a non existent XXXX XXXX XXXX  account to settle it with {$870.00}. I ignored the text as I assumed it was a scam since I NEVER ever had an account with XXXX XXXX XXXX. I checked my credit score and it had gone down considerably as I had been placed into collections and they reported to XXXX. I called XXXX  and had informed them of this problem. They said they will start the investigation process. I reported to FTC on line at around XXXX XXXX this morning and XXXX  wants a copy of the report. I am having a hard time retrieving the report, reason why I am reporting it here again. I called XXXX XXXX XXXX and they couldn't verify any account under my name. I never received a paper copy of an XXXX XXXX XXXX bill The only thing I have is their text to call a number to settle the account ( XXXX ). I am afraid to call that number. By reporting it, I hope you can help me resolve the issue. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In 2013 a no cash out mortgage was orginated in me and my spouse name. The loan appeared signed and right to cancel notice l was told was sent to me. 
I am also told there was a notary present at the signing at location l have never visited. The right to cancel is signed. This signing would mean me and my wife understood this was a no cashout refi. No money for home improvement or emergencies. This is not my signature. We have never visted the location or met the notary.

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 2025-09-22 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am disputing inaccurate and incomplete reporting on my credit report regarding my former Bridgecrest auto loan account ( opened XX/XX/XXXX ). 

On my XXXX  credit report, this account is listed as charged off with a balance of {$13000.00} past due as of XX/XX/XXXX. It also shows {$14000.00} written off even though the account has been closed since XX/XX/XXXX. 

I believe this information is being reported inaccurately because : The account continues to show as past due, even though it was charged off. A charged-off account should not simultaneously report as past due after closure. 
The reported balance and charge-off amounts appear inconsistent and do not match the last payment date of XX/XX/XXXX. 
The account status has not been updated properly, which creates misleading and damaging reporting. 

On XX/XX/XXXX, I submitted a dispute by certified mail to the credit bureau ( XXXX ) and Bridgecrest. According to XXXX tracking, the dispute was delivered on XX/XX/XXXX, but the company has failed to correct or properly verify the reporting. 

This inaccurate reporting is causing serious harm to my credit profile. I request that the CFPB require Bridgecrest and the credit reporting agencies to : XXXX. Remove the account from my credit report if they can not properly verify it under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Re : Research Request : Incorrect information reporting to my consumer report. Date : XX/XX/year> Company Name : XXXX XXXX  Account Number : XXXX Reason : 15 U.S. Code 1681n - Civil liability for willful noncompliance. Please remove from my consumer report. Company Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Please remove this account from my consumer report, as I am not responsible for this account. Company Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Please remove this account from my consumer report, as I am not responsible for this account. Please delete this account.

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 2025-09-22 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:
I am filing a formal complaint against Experian, TransUnion, and Equifax regarding the XXXX XXXX XXXX loan account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which contains materially conflicting and unverifiable data across all three credit bureaus. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 
Additionally, the account violates Metro 2 reporting standards, which require data furnishers to report tradeline information consistently and uniformly across all credit bureaus. Metro 2 guidelines prohibit contradictory metadata and payment history for the same account when sourced from a single furnisher. 
Factual Discrepancies : Account Status XXXX XXXX  TransUnion & Experian : Open XXXX Equifax : Paid Date Opened : XXXX TransUnion : XX/XX/year> Experian & Equifax : XX/XX/year> Balance : XXXX  TransUnion & Equifax : {$49000.00} XXXX  Experian : {$50000.00} Number of Months ( Terms ) XXXX XXXX TransUnion & Experian : 72 months XXXX Equifax : XXXX months Date Last Active : XXXX TransUnion : XX/XX/year>XXXX XXXX  Experian & Equifax : XX/XX/year> Payment History Conflicts : XX/XX/scrub>XXXX XXXX XXXX XXXX Equifax : 30-day late XXXX TransUnion & Experian : On-time XX/XX/year> : TransUnion : 30-day late Experian & Equifax : On-time These are not formatting errorsthey are factual contradictions that can not be reconciled or verified. The data furnished by the creditor is inconsistent and fails to meet both FCRA accuracy requirements and Metro 2 uniformity standards. Therefore, correction is not appropriate. I am demanding full deletion of this tradeline from all three credit reports.

Company response to consumer: Closed with non-monetary relief