vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NVR INC.
State: GA

Complaint narrative:
On XX/XX/year>, I request requested Reflect to be updated via email to XXXX daily loan officer. No response. 
On XX/XX/year>, I once again reached out to XXXX daily to correct information via email. No response. 
On XX/XX/year>, I spoke with XXXX XXXX about contacting XXXX twice about updating the disclosures to reflect the correct information. She stated that she reached out to XXXX with my concern. No response from XXXX. 
On XXXXXXXX XXXX XXXX, I received an email indicating the closing would be XX/XX/year> aXXXX XXXX XXXX. I sent an email to XXXX, XXXX, and XXXX indicating that I still have not received disclosures and that it was my right to receive disclosures three days prior to closing. No response. 
On XXXXXXXX XXXX XXXX I received an email from XXXX at XXXX XXXX indicating that closing had been scheduled for XX/XX/year> at XXXX XXXX. I still have not received my disclosures. I reply to this text message at XXXXXXXX XXXX indicating that I have not received my disclosures. I was informed by XXXX that at this point in the process, the disclosures had to be provided at the closing table. 
At closing, there was a document in the closing packet dated for XX/XX/year> that was added to the closing packet. I asked the closing attorney representative, XXXX XXXX, if this documents was reflective of me receiving my closing disclosure is three days prior to closing. She informed that this document did not state that I informed XXXX at that time, that I had not received my disclosures three days prior to closing, and that I should not sign any document that reflected that. She verbalized understanding. 
On XX/XX/year>, as I review my documents, there is an acknowledgment and receipt of closing disclosures that was slid to me at the closing table by XXXX XXXX without my knowledge of the information. She told me that this document indicated that I received disclosures today the day of closing She did not disclose the top page of the form. 
As you will see reflective in my emails that I clearly did not receive closing disclosures prior to closing. Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. These inquiries were not initiated by me, are not connected to any open or authorized accounts, and were made without my explicit written consent in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( Section 604 ). 
The following hard inquiries are fraudulent and must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant XXXX  and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-06-10 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: FL

Complaint narrative:
I recently found that there are unauthorized and fraudulent inquiries on my credit report that don't belong to me. I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights for to privacy and cincome XXXX under 15 USC 1681. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 
XXXX - Account # 4BDA3I. Has violated my rights. 
XXXX XXXX XXXX - Account # 3 6 7 Has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX  Has violated my right. 
XXXX XXXX XXXX -Account XXXX XXXX Has violated my rights. 
First premiere Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violate in my rights. 
XXXX XXXX - Account XXXX XXXX. Has violated my rights. 
XXXX XXXX Account XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX. Has violated my rights. 
Self/Atlantic capital B - Account XXXX XXXX Has violated my rights. 
Sell financial/lead bank - Account XXXX XXXX Has violate in my rights. 
The XXXX XXXX bank - Account XXXX XXXX  Has violate in my rights. 
Transfer all systems INC - Account XXXX XXXX  Has violated my rights.hyyyy Web bank/Fingerhut Account - XXXX XXXX Has violated my rights. 
American profit recovery Account - XXXX XXXX Has Violated my rights. 
XXXX - Account XXXX XXXX. Has my lady my rights. 
XXXX XXXX XXXX  Account - XXXX XXXXXXXX. Has violated my rights. 
XXXX XXXX XXXX  XXXX - Reference XXXX XXXX XXXX. Has violated my rights. 
XXXX XXXX XXXX  Account - XXXX XXXXXXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681Sectiin 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by more XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights for to privacy and cincome XXXX under 15 USC 1681. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 
XXXX - Account # 4BDA3I. Has violated my rights. 
XXXX XXXX XXXX - Account # 3 6 7 Has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX  Has violated my right. 
XXXX XXXX XXXX -Account XXXX XXXX Has violated my rights. 
First premiere Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violate in my rights. 
XXXX XXXX - Account XXXX XXXX. Has violated my rights. 
XXXX XXXX Account XXXX XXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX. Has violated my rights. 
Self/Atlantic capital B - Account XXXX XXXX Has violated my rights. 
Sell financial/lead bank - Account XXXX XXXX Has violate in my rights. 
The XXXX XXXX bank - Account XXXX XXXX  Has violate in my rights. 
Transfer all systems INC - Account XXXX XXXX  Has violated my rights.hyyyy Web bank/Fingerhut Account - XXXX XXXX Has violated my rights. 
American profit recovery Account - XXXX XXXX Has Violated my rights. 
XXXX - Account XXXX XXXX. Has my lady my rights. 
XXXX XXXX XXXX  Account - XXXX XXXXXXXX. Has violated my rights. 
XXXX XXXX XXXX  XXXX - Reference XXXX XXXX XXXX. Has violated my rights. 
XXXX XXXX XXXX  Account - XXXX XXXXXXXX Has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681Sectiin 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by more XXXX 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 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NV

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  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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
When I reviewed my credit report this morning, I was surprised to find inaccurate accounts listed, and Im unsure of the reason. I regularly monitor my report and havent seen anything like this before. I even refreshed the page thinking it might be a temporary error, but the accounts remained. I kindly request that you thoroughly review the documents Ive submitted so this issue can be resolved and I wont have to stress over it anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by XXXX XXXX XXXX XXXX XXXX Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 

XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX 
has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
My account with DPT EDXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXPT EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XXXX XXXX, I reviewed my credit reports and discovered multiple credit card and collection accounts that I did not open or authorize. These included accounts with high balances under major institutions such as XXXX ( {$11000.00} )XXXX XXXX XXXXXXXX ( {$12000.00} ), XXXX XXXX XXXXXXXX ( {$19000.00} ), and XXXX XXXX ( {$8100.00} ). These accounts appeared on all three of my credit reportsXXXX XXXX, and TransUniondespite being fraudulent. 

Additionally, several addresses from California ( such as XXXX XXXX XXXX XXXX XXXX ) were listed on my reports, even though I have never lived or resided in those locations. There were also unauthorized hard inquiries from companies like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I never initiated. 

After discovering these discrepancies, I submitted formal disputes to all three credit bureaus, provided copies of my government-issued ID, proof of address, and notified them that I was the victim of identity theft. Despite these efforts, the accounts and inaccurate personal information remain on my credit reports, continuing to cause damage to my credit score and financial reputation. 

I am now filing this complaint in hopes that the CFPB will assist in ensuring these issues are fully investigated and resolved. I am requesting the removal of all fraudulent accounts, inquiries, and incorrect personal information associated with this identity theft.

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