vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-07-14 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: WA

Complaint narrative:
This is my third formal complaint submitted via CFPB regarding Equifaxs ongoing non-compliance with FCRA 605B. On XX/XX/XXXX, and again on XX/XX/XXXX, I submitted full identity theft disputes via CFPB. Each time, I provided all documentation required under 605B, including : An official FTC Identity Theft Report A copy of my government-issued ID My Social Security card Proof of address A clear list of fraudulent inquiries/accounts Equifax partially responded by removing some disputed items, including a fraudulent XXXX XXXXXXXX account ( # XXXXXXXX XXXX XXXX  ), but has continued to report the following unauthorized hard inquiries, which are also part of the same identity theft case : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX This failure to fully block all items directly violates : FCRA 605B, which mandates blocking of all information resulting from identity theft within 4 business days after receiving complete documentation FCRA 607 ( b ), which requires credit bureaus to ensure completeness and consistency of data they report Equifax 's inconsistent handling deleting some entries but retaining others is not only negligent, its unlawful. I am in the process of applying for a mortgage, and these unauthorized entries are actively harming my creditworthiness, affecting my interest rates, and causing financial damages. 

Requested Resolution : Immediate and permanent deletion of the following fraudulent hard inquiries : XXXX XXXXXX/XX/XXXX. 

XXXX XX/XX/XXXX. 

Equifax has had more than enough time and documentation to resolve this. If this matter is not resolved promptly, I will escalate to the XXXX XXXX XXXX XXXX XXXX  ) and seek legal counsel. I have no time or patience for willful non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I cancelled service with XXXX internet many months ago. They insisted I return a device that facilitated the service. I searched everywhere, again and again, and could not find the device, nor could I recall anyone from their company coming to my home to install it. Nor did I get it in the mail. I had been paying them every month. They insisted I couldn't receive internet service without the device. But I was. I thought they turned it on from outside. If I had the device, of course I would have returned it! But I didn't have it. They had NO record of anyone coming to my home to install, so what could they prove? Nothing. They refused to send another technician to look for it. I refuse to pay for something I never had to return. I hoped they would drop it, but I just found out they sold the " debt '' to a collection agency. I haven't heard from the agency with a verification.

My credit rating has been docked 40 points. I always have perfect credit and this misunderstanding... or should I say fraud? ... has ruined it. I intend to do everything in my power to correct this!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CT

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rivertown Credit LLC
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries related to auto financing and dealership applications that appear on my credit report. These inquiries occurred shortly after I turned XXXX, during a time when I was merely exploring options and explicitly informed multiple dealerships that I did not have established credit and was not purchasing a vehicle. Despite this, they proceeded to repeatedly run my credit without my clear permission or proper understanding of the consequences. 

I never received financing nor purchased a vehicle from any of these institutions. These inquiries are unnecessary, damaging, and misleading on my credit profile and I believe they were conducted improperly or without proper disclosure. 

Please investigate and promptly remove the following hard 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 XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), inquiries not initiated by the consumer or not resulting in credit approval must be removed if unauthorized. I am attaching identification documents and proof of address for verification.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries related to auto financing and dealership applications that appear on my credit report. These inquiries occurred shortly after I turned XXXX, during a time when I was merely exploring options and explicitly informed multiple dealerships that I did not have established credit and was not purchasing a vehicle. Despite this, they proceeded to repeatedly run my credit without my clear permission or proper understanding of the consequences. 

I never received financing nor purchased a vehicle from any of these institutions. These inquiries are unnecessary, damaging, and misleading on my credit profile and I believe they were conducted improperly or without proper disclosure. 

Please investigate and promptly remove the following hard 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  Under the Fair Credit Reporting Act ( FCRA ), inquiries not initiated by the consumer or not resulting in credit approval must be removed if unauthorized. I am attaching identification documents and proof of address for verification.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 2025-07-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-14 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:
TransUnion is reporting eight hard inquiries dated XXXX from auto dealerships and lenders Ive never done business with. I disputed these inquiries directly with TransUnion ( see attached letters ) on XX/XX/25. On XX/XX/25, TransUnion replied that the inquiries were verified as belonging to you without supplying any proof of my written authorization, as required by 15 U.S.C. 1681b ( a ) ( 2

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
I disputed a charge on my card that was made through an ATM on XX/XX/XXXX. I was sent a letter through XXXX that stated they would give me credit for it on XX/XX/XXXX while they investigate it but they won't send me the credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-14 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: WV

Complaint narrative:
Hi, I've been trying to pay for my student loans totaling up to XXXX. I've been trying to pay for the loans since at least XX/XX/year>. However, every single time my payments keep getting reversed due to them not being able to find my bank account, and now I've accruing interest and might even go into delinquency. Every single time I try to make those payments, I've made sure that both my account number and routing number are accurate, because I literally look at my bank account details while doing it, and I've even called my bank to make sure that my account details are accurate. The account I might add I use on a daily basis. I've emailed them a strongly worded email, yet they just tell me the same thing about not being able to find my bank account. Another thing I might add is that every single time I try to make a payment, they give me a confirmation email, but they don't send out an email if your payment is reversed. The issue that I'm suffering with has been felt by many other borrowers such, CFPB complaints XXXX and XXXX, so it's more than likely that the problem is on Aidvantage 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Consumer Portfolio Services, Inc.
State: DE

Complaint narrative:
UNDER SECTION 611 5 A of THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFLED.THE COMPANY HAVE IGNORED MY REQUEST TO PROVIDED ME WITH THE DOCUMENTS THAT WAS USED TO VERIFY THIS ACCOUNT.

FAILED TO VERIFY AND VALIDATE ALL DATA FOR THIS ACCOUNT. EVERY NOTATION, DATES AND BALANCES. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY VIA FRA SECTION 609 MY INFORMATION WAS EXPOSED IN THE DETA BREACH

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Union Home Mortgage Corp
State: PA

Complaint narrative:
We closed on a refinance with Union Home Mortgage ( UHM ), all was going smoothly. In late XXXX we received a check for {$800.00} without explanation. So of course we figured it was an overage from the closing. They then reduced the amount of escrow being taken out ( from {$320.00} down to {$25.00} ) which reduced our monthly payment. No need to panic right they are competent at what they are doing right? Wrong! They then send us a letter saying there is an escrow shortage and our payment is going up {$500.00}, yes {$500.00} dollars a month ... which is absurd. Someone in the escrow department needs to have their job/license suspended as this isn't a minor error but a pretty significant one. I called in to figure out why and was given the run around, oh we'll call you back ( which never happened ). I've been going through my agent and while helpful i believe his hands are tied, they've admitted the mistake to him but have not once tried to right the ship. They don't even have the correct tax amounts in place and I've told them multiple times that it's more than double what it is supposed to be. I have been paying the extra {$500.00} per month, albeit begrudgingly, hoping to get to a resolution which they've made it clear with their silence that it isn't going to happen. So here we are. I was hopeful to handle this differently but it seems as though this is the way we are trending along with negative reviews and negative word of mouth.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX  have incorrectly reported my rental account as delinquent ( in an amount of {$1700.00} as of XX/XX/year> ) to NATIONAL CREDIT SYSTEMS INC and subsequently requested a collection through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the same amount. Upon closer inspection of my credit report it became evident to me that my rental agreement account was already closed and paid off with them on XX/XX/year>, as reported by the XXXX XXXX , the parent company that owns XXXX XXXX XXXX . I voluntary moved out of the apartment in XX/XX/XXXX, because it came to my attention that there was discrepancy, a record of them overcharging me beginning XX/XX/XXXX and ending XX/XX/XXXX, so I made a decision to end business with them and voluntarily move out. The property management were aware of me moving out. The property manager promised to fix the discrepancy and XXXX  out my debt with them, but for some reason decided to send my account for collection anyway. I see it as a violation of my tenant rights, an attempt do discredit me in a face of future landlord or property management and a direct retaliation to my complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On Saturday XX/XX/12, I started having difficulty accessing funds in my account using my debit card. Almost every transaction is causing my card to lock. The fraud department was unable to identify the exact reason. I was asked inappropriate questions regarding personal matters unrelated to the issues. The issue is still unresolved with multiple hours on the phone with customer service 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 2025-07-14 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXXXXXX Account not mine XXXX XXXX XXXX XXXX - XXXX Account not mine Public Record - XXXX XXXX XXXX XXXX XXXXXXXX Account not mine

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