vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-29 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:
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

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 2025-10-29 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: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX continues to report an account that a court has legally determined is not mine, despite my providing them with an official court order and multiple written disputes. The account remains listed on my credit reports, causing ongoing harm to my credit score, financial reputation, and ability to access credit and housing.

This constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires furnishers of credit information to provide accurate data and to correct or delete inaccurate information once notified of a dispute. I have submitted the court order and supporting documentation directly to XXXX, yet they continue to report the account as mine, ignoring the verified legal evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I HAVE ASKED FOR A VOLUNTEER REPOSSION AND HAVE SENT MANY LETTERS. TO BANK OF AMERICA CUSTOMER SERVICE AND ONE OR TWO TO THE LOCAL BANK OF AMERICA BRANCH AT XXXX XXXX XXXX, CA. XXXX ( XXXX ) XXXX AND I ALSO WIRTTEN BANK OF AMERICA AT Bank of America , N.A . 
XXXX XXXX XXXX  XXXX, DE XXXX THE CAR IS SITTING OUTISDE MY HOME ON THE STREET ON THE STATUS WITH THE DMV OF NON-OPEARTIVE, IT HAS BEEN THAT WAY FOR TWLEVLE MONTHS, AND STILL NO ADVICE FROM BANK OF AMERICA . I HAVE TALKED TO SOMEONE ON THE PHONE ONLY TO GET A WISE REMARK OF AM I LOOKING FOR A JOB. SO, IN MY DEFENSE I KEPT UP WITH PAYMENT FOR THE FIRS 18 MONTHS OF THE LOAN WITH NOT LATE PAYMENTS WHAT SO EVER, AND NOT ONLY THAT I WAS ALSO PAYING MORE THEN THE MINIMUM FOR THE FIRST PART OF MY LOAN CONTRACT, NOT ONLY THAT THE FIRST SIX MONTHS I HAD THE VEHICLE ON NON-OPEARTIVE STATUS I WAS MAKING PAYENTS AND ON TIME. BECAUSE THAT IS HOW MUCH I RESPECTED MY RELATIONSHIP WITH BANK OF AMERICA, AND BRAND I TRULY BELIEVED IN BEFORE IS STARTED GETTING IN FINANCIAL PROBLEMS OF NOT BEING ABLE TO EARN ANY INCOME.SO, WITH THAT BEING SAID, I DID GET A LETTER SAYING I HAVE A COLLATERAL NUMBER, AND COINCEDENTLY THE COLLATERAL NUMBER MATCHES MY VIN NUMBER IF I REMEMBER CORRECTLY. 
# # # ( COATTERAL NUMBER FOUND ON MISPALCED LETTER FROM COLLECTIONS DEPARTMENT OF BANK OF AMERICA XXXX ) # # # ( XXXX VIN NUMBER XXXX ) # # # ALSO THE AUTOMOBILE REGISTER IS SUSPENDED WITH THE DEPARTMENT OF MOTOR VEHICLES FOR NOT SHOWING PROOF OF INSURANCE, WHY WOULD I PAY {$120.00} A MONTH FOR CAR INSURANCE FOR A CAR I HAVE NOT BEEN DRIVING FOR OVER TWELVE MONTHS? 
HERE IS THE Account # : XXXX 2017 XXXX XXXX XXXX # ( HERE IS THE PLACE I BOUGHT THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX PHONE NUMBER ( XXXX ) XXXX ) # # WHO IS IN CHARGE OF THE COLLATERAL NUMBER MEANING WHO GETS THE COLLATERAL? # # # OR AT LEAST SOMEONE PICK UP THE VOLUNTEER REPOCCESSION? # # #

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 2025-10-29 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: WI

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 2025-10-29 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: WI

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 2025-10-29 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-29 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-29 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: CA

Complaint narrative:
I discovered XXXX unauthorized hard inquiries on my TransUnion credit report that were made by XXXX XXXX. I did not apply for any credit or authorize these inquiries. The details are as follows : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am requesting removal of these unauthorized hard inquiries from my 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 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I contacted the company and told them I could not access the web site due to authorization error with codes that were sent. The supervisor told me that I could not access the web site to make a payment, it had to be paid over the phone or at a payment service. This is a new account and this would be the first payment so my bank information was not entered into their system yet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NJ

Complaint narrative:
I am disputing the unauthorized hard inquiries listed on my TransUnion credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not initiate any credit applications with the companies that conducted these inquiries, and I have no record of granting permission for them to access my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report to a third party for a permissible purpose, such as when the consumer has given written consent or when the inquiry is in connection with a credit transaction initiated by the consumer. Since I did not authorize these inquiries, they constitute violations of the FCRA. Additionally, the FCRA mandates that when a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute, typically within 30 days, and correct or delete any information that can not be verified as accurate ( 15 U.S.C. 1681i ). Therefore, I request the immediate removal of these unauthorized hard inquiries from my credit report. Please note that due to the ongoing shutdown of the Federal Trade Commission ( FTC ) website, I am unable to file a new FTC Identity Theft Report at this time. However, this does not affect my rights under the FCRA to dispute and have unauthorized information removed from my credit report. I request written confirmation of the deletion of these unauthorized hard inquiries from my 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 2025-10-29 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I applied for a loan modification XX/XX/XXXX. I received a Certifies letter on XX/XX/XXXX stating I was denied. I was never contacted for more information or for discussion. 

One of the reasons I was denied was a " Previous Loan Modification '' was granted which records show I never applied for a Loan Modification as I never signed a loan modification. In fact, I have argued that Fraud was committed because the underwriter granted the loan modification without my consent and knowledge. The Company does not want to grant a loan modification due to my accusations of Fraud. I never applied for a loan modification so that for matter I could fail at a previous one...

2nd reason - Hardship not established - A hardship letter was written but no one contacted me to inquire more information. Insufficient information to verify hardship however, was never given a chance to provide. 

The company has failed me and did not give me a Fair Loan Modification Process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I am submitting a complaint regarding Santander XXXX USAs reporting of an auto loan account as unpaid/charged-off, despite my financial obligation being fully satisfied through XXXX insurance after a total-loss event. 

Verified Facts : XXXX  claim filed : XX/XX/year> Vehicle picked up by Santander : XX/XX/year> XXXX  check issued : XX/XX/year> for {$13000.00}, payable to Santander XXXX XXXX confirmed over the phone that the payment was paid in full and cashed on XX/XX/year> Vehicle auctioned : XX/XX/year> Santander was effectively paid twice, once via XXXX  and again from auction proceeds Santander previously claimed the original caseworker was terminated and could not locate the payment, which is false There is clear evidence of internal mishandling of funds and potential internal fraud regarding this account This account does not appear on my XXXX  report, demonstrating inaccurate reporting I have never had a repossession, yet this inaccurate reporting has harmed my credit for XXXX years. Santander has a documented history of mishandling XXXX claims, wrongful repossessions, misrepresenting consumer protections, and mismanaging insurance payments, including CFPB fines. 

I submitted disputes with XXXX XXXX XXXX  and provided supporting evidence, including timelines and XXXX  confirmation, but disputes were denied or marked unable to honor request. Attempts to upload supporting documents failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
on XX/XX/year> around XXXXXXXX XXXX I am trying to get TV from XXXX or XXXX XXXX I tried both and I got the errors you see below. I called the credit card customer service they didnt do anything.nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX I was the victim of identity theft where my account was used dozens of times for XXXX related services, and I have never used XXXX myself. There were also additional account withdrawals in which I never authorized. I've been waiting for approximately a year for Chase ' investigation to complete and have my funds returned to me. 
Approximately one month ago I again discovered that my Chase account had been unauthorizingly accessed and over {$4000.00} stolen from my account. Because the last transaction was over 60 days ago, I was informed that internally Chase could do nothing about it. However, it is important to note that upon discovery of the missing money, I informed Chase of the theft in or about XX/XX/XXXX, within 60 days of discovery. Moreover, Chase stopped all of my auto pay accounts due to " suspicious activity '', but allowed ATM withdrawals both inside of Chase and other ATMs and POPs. As a result, my credit score has taken a tremendous hit after two years of rebuilding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Dear TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 2025-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BROKER SOLUTIONS, INC.
State: MA

Complaint narrative:
New American Funding refuses FHA forbearance unless Im 62 days late. Rep said on recorded call : must be XXXX  days past due and they offer only late-fee waiver, still must pay. 
This violates HUD Handbook 4000.1, Section III.A.2.h.ii servicers must offer payment suspension to current borrowers.

Im current. Need 1-month pause due to past due medical bills and utility bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation