vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: TN

Complaint narrative:
XX/XX/XXXX. My XXXX account with XXXX banking was put on hold for identity verification purposes then about XXXX mins later I try and log into XXXX mobile app and it says account suspended please contact us at this number to resolve. Well I do and they dont allow resolving. Then if I try and log in on my account on web the. It says a complete different number to call and says call to verify identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-08-22 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: TX

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 2025-08-22 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-22 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-22 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: MO

Complaint narrative:
There is a credit inquiry on my report that I did not authorize or initiate. This inquiry is inaccurate and does not reflect any application or request made by me. Under the Fair Credit Reporting Act ( FCRA ), specifically 604 and 607, any inquiry included in a consumer credit report must be the result of a transaction initiated by the consumer or supported by a permissible purpose. I have made prior attempts to dispute this inquiry with the reporting agency and/or the furnisher, but no appropriate action or meaningful investigation has taken place. The continued presence of this unauthorized inquiry negatively impacts my credit profile and violates my rights under the FCRA. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX AUTO XX/XX/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 2025-08-22 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: MO

Complaint narrative:
There is a credit inquiry on my report that I did not authorize or initiate. This inquiry is inaccurate and does not reflect any application or request made by me. Under the Fair Credit Reporting Act ( FCRA ), specifically 604 and 607, any inquiry included in a consumer credit report must be the result of a transaction initiated by the consumer or supported by a permissible purpose. I have made prior attempts to dispute this inquiry with the reporting agency and/or the furnisher, but no appropriate action or meaningful investigation has taken place. The continued presence of this unauthorized inquiry negatively impacts my credit profile and violates my rights under the FCRA. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax refuses to give me credit for good behavior on my credit report. They have not give me any credit for on time car payments, and neglected all of my certified letters. And also I filled a ( FTC ) report and still no changes. I am very saddened and disappointed in the system for being XXXX and holding me back from living my life .It 's not right and hope that some changes are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
I am disputing how Regional Acceptance Corporation ( XXXX  ) has handled my auto loan following a total loss accident on XX/XX/XXXX. XXXX ignored my timely notice of the loss, mishandled the application of GAP waiver funds, misrepresented my communication history, and reported me late despite good-faith efforts to remain current. 

Details : XXXX granted me a payment extension ( XXXX ) with the next payment due XX/XX/XXXX, plus the contractual 10-day grace period. 

On XX/XX/XXXX, I notified XXXX via their customer portal that my vehicle was a total loss and that I was filing a GAP waiver claim. 

On XX/XX/XXXX, XXXX  XXXX XXXX XXXX ( XXXX XXXX ) issued a {$1600.00} payment, which XXXX applied on XX/XX/XXXX - still within my grace period. Instead of applying this toward installments due, XXXX treated it only as a principal reduction, later reporting me delinquent. 

In XX/XX/XXXX, I attempted to settle the deficiency in good faith based on the vehicles actual XXXX ( ~ {$3600.00} confirmed by XXXX  own adjuster ). XXXX rejected this and a manager ( XXXX ) accused me of attempting to defraud XXXX, threatened to contact my auto insurance company about a confidential settlement, and refused to put their denial in writing. 

Despite repeated requests, XXXX has refused to provide the XXXX calculation in writing and has insisted all communication be limited to USPS mail. 

On one occasion XXXX falsely stated in writing that I had never notified them of the accident - even though I had notified them via their only portal on XX/XX/XXXX. 

Harm : My credit report now shows a 30-day late payment, which has lowered my significant other 's credit score by XXXX points, and my score by XXXX points. 

I am paying on an open balance of ~ {$9200.00} for a totaled, undrivable vehicle. 

Ive incurred additional costs for rentals, rideshare, and towing because XXXX and XXXX  refuse to resolve the account fairly.

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 2025-08-22 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: TX

Complaint narrative:
I was a victim of identity theft. My identity was used to obtain goods and services without my knowledge or consent.

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 2025-08-22 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:
I was a victim of identity theft. My identity was used to obtain goods and services without my knowledge or consent.

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 2025-08-22 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: TX

Complaint narrative:
I was a victim of identity theft. My identity was used to obtain goods and services without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: NC

Complaint narrative:
XXXX XXXX XXXX falsely reported to XXXX  that I opened an account with them XXXX, XXXX  for the amount of {$2500.00}, and never made a payment. I requested documents with my signature stating I owe them money, along with documents with dates, amounts, fees, and interest paid. I requested that they remove this false information from XXXX  Credit Reporting Agency, but they failed to do so even after informing you on a previous complaint, that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX ( Account # XXXX ) that recently appeared on my XXXX XXXX credit report. The account is listed as opened on XX/XX/year>, with a balance of {$140.00}. 

I was completely unaware of this account and have never received any communicationno letters, calls, or emailsfrom XXXX XXXX XXXX prior to this collection being reported. I do not recognize the debt, the account number, or any business associated with it. 

This situation feels deceptive and possibly unlawful, especially given my rights under the Fair Credit Reporting Act ( FCRA ), which I believe may have been violated in several ways : FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate or unverified information on my credit report. Once a dispute is filed, the credit bureaus and the information furnisher must conduct a reasonable investigation within 30 days. I have not received validation or investigation results.

FCRA 623 ( a ) ( 2 ) : Furnishers must promptly update or correct inaccurate or incomplete information. If XXXX XXXX XXXX can not provide documented proof that this debt is valid and that it belongs to me, they are required to remove it. 

FCRA 605B : If the information is the result of identity theft, I have the right to request a block on the account from my credit report. While I am still reviewing the possibility of identity fraud, this law applies if the account was created or reported in error.

FCRA 604 Permissible Purpose : No company may report or access my credit data without a legally permissible purpose. If XXXX XXXX XXXX did not have my consent or a legal reason to report this collection, that is a direct FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint regarding a collection account reported by XXXX XXXX XXXX ( Account # XXXX ) that recently appeared on my XXXX XXXX credit report. The account is listed as opened on XX/XX/year>, with a balance of {$140.00}. 

I was completely unaware of this account and have never received any communicationno letters, calls, or emailsfrom XXXX XXXX XXXX prior to this collection being reported. I do not recognize the debt, the account number, or any business associated with it. 

This situation feels deceptive and possibly unlawful, especially given my rights under the Fair Credit Reporting Act ( FCRA ), which I believe may have been violated in several ways : FCRA 611 ( 15 U.S.C. 1681i ) : I have the right to dispute inaccurate or unverified information on my credit report. Once a dispute is filed, the credit bureaus and the information furnisher must conduct a reasonable investigation within 30 days. I have not received validation or investigation results.

FCRA 623 ( a ) ( 2 ) : Furnishers must promptly update or correct inaccurate or incomplete information. If XXXX XXXX XXXX can not provide documented proof that this debt is valid and that it belongs to me, they are required to remove it. 

FCRA 605B : If the information is the result of identity theft, I have the right to request a block on the account from my credit report. While I am still reviewing the possibility of identity fraud, this law applies if the account was created or reported in error.

FCRA 604 Permissible Purpose : No company may report or access my credit data without a legally permissible purpose. If XXXX XXXX XXXX did not have my consent or a legal reason to report this collection, that is a direct FCRA violation.

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 2025-08-22 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission.

Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-08-22 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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