vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I am a victim of identity theft and I have filed a report and I would like to have these fraudulent accounts removed from my credit report asap. These are fraud and have prevent me from buying a home. I have included my ID and passport with my address along with the identity theft report XXXX Date XXXX XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX BANK XXXX opened XX/XX/XXXX Balance {$4900.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX CARD Date opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$41000.00} XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX BANK Date opened XX/XX/XXXX Balance {$44000.00} XXXX BANK Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$250000.00} XXXX Date opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$51000.00} XXXX Date XXXX XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}

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 non-monetary relief
Consumer complaint received 2025-03-02 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: GA

Complaint narrative:
I am a victim of identity theft and I have filed a report and I would like to have these fraudulent accounts removed from my credit report asap. These are fraud and have prevent me from buying a home. I have included my ID and passport with my address along with the identity theft report XXXX Date XXXX XX/XX/XXXX XXXX Date opened XX/XX/XXXX XXXX BANK XXXX opened XX/XX/XXXX Balance {$4900.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$2500.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX CARD Date opened XX/XX/XXXX Balance {$2700.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$41000.00} XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$22000.00} XXXX BANK Date opened XX/XX/XXXX Balance {$44000.00} XXXX BANK Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$250000.00} XXXX Date opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$51000.00} XXXX Date XXXX XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 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: OH

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-03-02 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

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 2025-03-02 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: SC

Complaint narrative:
RECVD LETTER STATING I OWE XXXX I CURRENTLY AM WITH THEM AND THIS IS NOT MY DEBIT IT IS FRAUD. FTC AND ID SUBMITTED.

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 2025-03-02 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:
Theres unauthorized inquiries appearing on my credit report. My rights have been violated too many times. I will be filing a lawsuit soon.

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 2025-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Different companies reporting fraudulent inaccurate information on my credit report Ive requested they provide the purchase agreements to show full ownership of such account that belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$250000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft 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 2025-03-02 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:
Theres unauthorized inquiries appearing on my credit report. My rights have been violated too many times. I will be filing a lawsuit soon.

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 2025-03-02 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: SC

Complaint narrative:
I DO NOT RECOGNIZE THE ADDRESSES PLEASE REMOVE THANK YOU XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH 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 2025-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
I am submitting this complaint to formally request that the Consumer Financial Protection Bureau ( CFPB ) investigate Village Capital and Investments , LLC for mortgage fraud and violations of FHA cash-out refinance guidelines. This complaint is in addition to an existing complaint against XXXX XXXX, which has already been forwarded to the FDIC. However, since Village Capital is not under the FDIC umbrella, I am filing this separate complaint against them. 

Summary of Allegations Village Capital and XXXX XXXX  knowingly and deliberately violated mortgage laws and FHA guidelines in handling my cash-out refinance loan. The following specific violations occurred : XXXX. Approval and Closing with a Missed Payment The loan was closed despite me missing a XXXX mortgage payment, which violates FHA cash-out refinance guidelines. 
XXXX XXXX  and Village Capital were both aware of this issue before closing. 
XXXX XXXX  pulled my credit multiple times before closing, which would have shown the missed payment. 
A XXXX XXXX  representative even contacted me directly to inform me of the missed payment before proceeding with the closing. 
XXXX. Fraudulent Intent to Take My Equity or Property Both lenders acted in coordination to manipulate the loan process to place me in a higher interest rate outside of HUD guidelines. 
Their deceptive practices indicate an intent to either strip the equity from my property or position me for foreclosure. 
XXXX. Deceptive Lending Practices and False Statements The Vice President of XXXX XXXX XXXX XXXX XXXX and the loan officer admitted to me that they could close any loan, which suggests intentional wrongdoing and a pattern of fraudulent activity. 
They misrepresented loan eligibility requirements and ignored regulatory guidelines, violating my consumer rights. 

Request for Investigation and Action I request the CFPB investigate Village Capital and Investments , LLC for these violations and take appropriate enforcement action. Additionally, I ask that this complaint be added to my existing complaint against XXXX XXXX, as the XXXX entities worked together in this fraudulent transaction. 

Please confirm receipt of this complaint and provide guidance on the next steps in the investigation process. I can provide further evidence and documentation upon request. 

Thank you for your time and attention to this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
The car was repossessed and sold. When asked if it was sold I was told no. I was informed by XXXX police it was sold. I requested a 1099 they refused it give it to me. On my credit its reported as a lost and charged off. Car was repossessed due to not being able to pay due to having covid 3 times and following behind. This information was relayed to the company but no assistance or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As of XX/XX/year>, XXXX XXXX has reached out to settle for {$11000.00}. The XXXX XXXX of the car is roughly {$3000.00}.

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
Consumer complaint received 2025-03-02 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-03-02 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:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.

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 2025-03-02 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 have submitted three separate dispute letters to TransUnion regarding inaccurate and unverifiable accounts appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), TransUnion is required to properly investigate and remove any unverified or incorrect information from my credit file. However, despite my repeated disputes, TransUnion has failed to comply with federal law and continues to report the following inaccurate accounts : XXXX. XXXX XXXX ( Credit Card ) Past Due : {$240.00} Issue : This account is reporting inaccurately and must be removed. 
XXXX. XXXX ( XXXX Account ) Balance Due : {$23000.00} Issue : This collection account is inaccurate and unverifiable. 
XXXX. XXXXXX/XX/XXXX ( Collection Account ) Balance Due : {$700.00} Issue : This account is incorrect and should not be reported. 

Despite my three previous dispute attempts, TransUnion has failed to properly investigate and remove these inaccurate and unverified accounts, which is a direct violation of the FCRA ( 15 U.S.C. 1681i ).

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 2025-03-02 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: TX

Complaint narrative:
Equifax : XXXX XXXX -Closed account is reporting false information, I have the right to question the information you are reporting enclosed is a list I request or remove this account. Please note I am aware that the CFPB has there eye on you for false or incomplete reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-02 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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