vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Retail Merchants Associates
State: TX

Complaint narrative:
The apartment manager was given a check in which she refused the check for an amount that would cover the rent. We got evicted and appeared in court. the apartment was cleaned and vacated. she said we stole the refrigerator, and she never filed a police report.

Account info Account name XXXX RETAIL MERCHANTS ASSOCIATION Also known as RETAIL MERCHT ASSOC XXXX Account type Collection Responsibility Joint Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1900.00} Highest balance - Terms 1 Month On record until XX/XX/XXXX 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons. 

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-31 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: CA

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons.

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

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 2025-07-31 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: CA

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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 2025-07-31 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: CA

Complaint narrative:
I am a victim of Identity Theft due to a DATA BREACH, a fraudulent and unauthorized account appears on my TransUnion credit report : XXXX XXXX XXXX ( Account number # XXXX ), and must be blocked and permanently deleted within XXXX business days, as required by FCRA Section 605B [ 15 U.S.C.1681c2 ]. Additionally, TransUnion has violated XXXX XXXX compliance, reporting the account with a derogatory mark as a XXXX late payment, damaging the accuracy of my credit report. TransUnion has mixed my legitimate credit file with other false or fraudulent profiles most likely as result of the Identity Theft due to a Data Breach, which is a clear violation of the FCRA and XXXX XXXX standards. Under FCRA Section 605B [ 15 U.S.C. 1681c2 ], TransUnion is legally obligated to block and delete this account within XXXX business days, upon receipt of this complaint. I have already submitted an FTC Identity Theft Report, confirming I was a victim of Identity Theft due to a Data Breach. TransUnion has a documented history of losing lawsuits in 2025 for failing to fix these types of errors. If this account XXXX XXXX XXXX ( Account number # XXXX ) is not deleted and blocked within the legal timeframe under FCRA Section 605B, I will pursue legal consequences. I demand the CFPB take immediate action and pressure TransUnion to remove this fraudulent account or face severe legal consequences, including escalation to my State Attorney General. Their continuous mishandling and failure to correct errors violate multiple federal laws and must not go unpunished.

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 2025-07-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I recently opened a XXXX XXXX account with XXXXXXXX XXXX in XXXXXXXX XXXX. My brother and I received a settlement into a trust where I am the Trustee. I had no problem opening the account and depositing $ XXXX. Yesterday, XX/XX/XXXX, I entered a XXXX branch in XXXX XXXXXXXX XXXX  seeking a cashiers check for $ XXXX ( from funds in my account ) to pay my XXXX XXXX XXXX money I owe her. I presented my XXXX  drivers license, the bank account number, along with my phone number, address, and XXXX other forms of ID. The XXXX refused to give me a cashiers check and cited that the information I provided was incorrect. I asked her which part of the information was incorrect so that I may re-provide any corrected information. She refused to tell me what it was. Being that she seemingly stopped the transaction when I gave her my phone number, I offered my brothers phone number with whom I share the settlement with. She again refused. I called the local XXXX branch in XXXX where I opened the account and asked to speak to the XXXX. The XXXX of that bank verified my identity and proceeded to argue with the XXXX of the XXXX XXXX XXXX branch for at least XXXX minutes, trying to convince her that she needed to release the funds to me. The XXXX of the XXXX XXXX branch refused. I did hear the XXXX XXXX XXXX mention how I gave the wrong phone number, and recited the last XXXX digits of my brothers phone number out loud. When she hung up the phone, I gave her the full phone number, but she still refused. I reminded the XXXX that I provided proper ID showing that I was indeed the account owner, and that it was illegal for her not to give me my money. She responded that I need to go back to XXXX to get my money. I am shocked that I gave a bank $ XXXX and that I can not access it while on my trip.

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 2025-07-31 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-31 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX 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 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 2025-07-31 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: AR

Complaint narrative:
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 grant 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 2025-07-31 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: AR

Complaint narrative:
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 grant 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 2025-07-31 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: IL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-31 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TomoCredit Inc.
State: MS

Complaint narrative:
The company TOMO has been notified of this harassment and still continues to contact me via email. The company is still trying to deduct funds although i am protected under bankruptcy law, have requested a cease and desist, and filed complaint with CFPB. I previous complaint number is XXXX SUBMITTED ON XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: MD

Complaint narrative:
I am writing to formally dispute a late payment entry reported by XXXX XXXX # XXXX on my credit report. After reviewing my credit file, I noticed this negative mark, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ).

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 2025-07-31 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-31 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: AL

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: LA

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 : ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00}

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