vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: RI

Complaint narrative:
Consumer Complaint Statement XXXX XXXX XXXX XXXX vs. Experian Misreporting of as Monthly Charge-Off Summary of the Issue : I am filing this formal complaint against Experian Information Services , LLC for violating my rights under the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and the Dodd-Frank Act ( UDAAP ) by continuously and inaccurately reporting a repossessed vehicle account as a monthly Charge-Off, which misrepresents the status of the account and causes ongoing harm to my credit profile. 



Details of the Violation : The account in question is XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT Zip XXXX ( account number ) XXXX that occurred around XX/XX/XXXX Instead of accurately reporting a one-time final derogatory status, Experian continues to display a monthly charge-off pattern, which : Misleads lenders and third parties about the true nature of the account ; Illegally re-ages the tradeline and artificially extends the derogatory impact ; Violates Metro 2 compliance guidelines regarding Payment History Profile ( XXXX ), Account Status ( XXXX ), Date of First Delinquency ( XXXX XXXX ), and Date of Last Activity ( XXXX XXXX ) ; Fails to apply the required Compliance Condition Code XXXX  during my active disputes ; Is considered deceptive and abusive under 12 U.S.C. 5531 ( UDAAP ). 



Legal Violations Cited : FCRA 605B ( 15 U.S.C. 1681c-2 ) Right to block information resulting from inaccurate or unauthorized reporting. 
FCRA 623 ( a ) ( 1 ) ( A ) Prohibition against furnishing inaccurate or incomplete information.

FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) Failure to reinvestigate and correct disputed data.

Metro 2 Technical Violations Misuse of account coding after repossession.

UDAAP 12 U.S.C. 5531 Ongoing pattern of false and abusive credit reporting. 



Prior Disputes : I submitted multiple written disputes directly to Experian, including documentation that the account was being misreported. Despite these efforts, Experian failed to correct the errors or conduct a reasonable reinvestigation, violating the standard set in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) and XXXX XXXX v. Equifax ( XXXX ). 



Requested Relief : XXXX. Permanent deletion and blocking of the XXXX XXXX  ( account number ) XXXX from my Experian credit report. 
XXXX. Confirmation that Experian has notified XXXX XXXX  to cease furnishing incorrect data. 
XXXX. Investigation and regulatory enforcement by the CFPB for Experians repeated failure to comply with the FCRA and Metro 2 standards. 
XXXX. Any additional relief or sanctions the Bureau deems appropriate.

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 2025-08-17 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:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against Credit Acceptance Corporation for furnishing inaccurate information to credit reporting agencies and failing to correct a material error in a vehicle financing contract. The contract was executed under the incorrect name XXXX XXXX, which is not my legal name. I did not authorize the transaction, and the dealership added a {$1600.00} service contract without my consent. Despite multiple attempts to resolve this, Credit Acceptance continues to report this account to the credit bureaus. I am disputing a vehicle financing account reported by Credit Acceptance Corporation that was executed under the incorrect name XXXX XXXX. My legal name is XXXX XXXX, and I did not authorize or consent to this variation. The contract misrepresents my identity and was not executed in accordance with my intent to purchase the vehicle under a business entity. I have provided copy of contract, statements, and documents that prove this contract is invalid

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 2025-08-18 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: AL

Complaint narrative:
On XX/XX/year>, I reviewed my TransUnion credit report and discovered multiple unauthorized hard inquiries that I did not consent to or authorize. These inquiries are damaging my credit profile and were placed on the following dates : 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 XXXXXX/XX/year> I filed a valid FTC Identity Theft Report regarding these inquiries. Under FCRA 605B, once a CRA receives an FTC report, they must block fraudulent information within 4 business days. Despite this legal requirement, TransUnion has failed to remove these inquiries.

Furthermore, under FCRA 607 ( b ), TransUnion has a duty to assure maximum possible accuracy of consumer reports. Accuracy also means consistency across nationwide CRAs. XXXX XXXX XXXX  have already removed these exact inquiries, yet TransUnion refuses, which creates inconsistency and violates the FCRA. 

On XX/XX/year>, I also attempted to dispute these inquiries over the phone with TransUnion customer service. The representative refused to take my dispute, even though FCRA 611 ( a ) ( 1 ) ( A ) guarantees my right to dispute directly with the CRA by any reasonable means. This refusal violates my rights under the 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I am filing a complaint against XXXX  and multiple furnishers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Self Financial/Lead Bank XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My TransUnion credit report contains multiple inaccuracies, contradictory entries, and unverifiable charge-offs. These items are negatively impacting my creditworthiness and are being reported in violation of federal law. 

Details of the Violations : Inaccurate & Contradictory Reporting ( FCRA 1681e ( b ) ) Accounts report as both OK with payments made and Charge-off for the same months.Balances exceed reported credit limits ( e.g., XXXX XXXX XXXXXXXX ). 
Closed accounts still report active balances. 
Failure to Reinvestigate ( FCRA 1681i ) Despite prior disputes, TransUnion has not corrected inaccurate payment histories or balances.Furnishers continue to report conflicting data without resolution. 

Unverifiable Accounts ( FCRA 1681s-2 ) XXXX XXXX XXXX XXXXXXXX : Reported as charge-off with balance despite inconsistent payment history. 
XXXX XXXX XXXX ( multiple accounts ) : Balances exceed credit limits ; contradictory remarks ( XXXX, XXXX, XXXX ) without explanation. 
Self Financial/Lead Bank : Reported charge-off without proper sequence of delinquency. 
Obsolete & Misleading Information ( FCRA 1681c ) Items are scheduled to remain for 7+ years beyond delinquency, which exceeds the allowable reporting period for charge-offs. 
FDCPA Violations ( 15 U.S.C. 807 ) Furnishers are misrepresenting debt status by reporting closed accounts as owing balances.These inaccuracies and violations have caused denial of credit, higher interest rates, and emotional distress.They present a false and damaging picture of my credit history!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Amount owed : {$8400.00}, federal student loan fraud XXXX - I first saw fraudulent student loan on my credit report XXXX - first contacted U.S. Dept. of Education to report the fraud XXXX - I was informed by a person at the U.S. Dept of Education that a person named XXXX XXXX applied for, and received, a federal student loan to attend a college in XXXX  in XXXX. XXXX XXXX fraudulently used my name and identity as a co-signer on the loan application. ( see below re : my signature ) I am a resident of XXXX XXXX, and I have never been to Utah. I do not know anyone named XXXX XXXX. 
XXXX - I filled out fraud report paperwork I received from the Dept. of Ed to dispute the fraudulent use of my identity, and submitted it to them XXXX - XXXX - I continued to see the fraudulent loan listed on my credit reports. I started receiving bills and past due statements from the U.S. Dept of Ed. 
XXXX - XXXX - when I inquired about the status of my dispute, I was told it was " under investigation '' XXXX - when I once again re-contacted the Dept. of Education, they requested additional information from me, such as : police report ; any legal documents with my signature to see if it matched what was on the loan document ; documents showing that I was living in XXXX XXXX. 
XXXX - I filed a police report with the XXXX XXXX XXXX, XXXX division, on XX/XX/XXXX. I sent this report and all the requested documentation listed above to the U.S. Dept. of Education onXXXX XX/XX/XXXX. 
XXXX - XXXX - since then, I haven't been in contact with the U.S. Dept. of Education, but I have continued checking various credit agencies to see if my credit has been restored. As of now, the debt still is showing up on XXXX XXXX XXXX 
XXXX - XXXX - I am continuing to receive bill statements statements from the U.S. Department of Education XXXX - XXXX - I have filed disputes with XXXX  and XXXX  as well

Company response to consumer: Untimely response
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alpine Credit, Inc
State: CO

Complaint narrative:
ALPINE CREDIT has not provided anything backing there claims and false account on my credit reports. So again I am requesting Proof of Claim as well as Proof of Interest Rate Increases : Alpine credit Collection company can only collect interest or fees allowed by the original agreement and by LAW Explaining how the increase was applied and its legality under the agreement by law and specifically details on interest this will need to be provided to CFPB do to ALPINE CREDIT making false claims that they have provided documentation when they have not. Documents will need to be provided to me as well The alleged owner as I have the right to request validation of a debt, including details on the principal, charges, and a clear explanation of any interest rate increases. failure to do so will will result in lawsuit. If not, provided within XXXX business my next step will be involving XXXX XXXX XXXX at ( XXXX ) XXXX if not, provided within XXXX business days, demand for removal of account from all three major credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There was damage on my credit report do to laws 15 u.s.c 1681 this is a definition on character

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 2025-08-17 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:
There was damage on my credit report do to laws 15 u.s.c 1681 this is a definition on character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-17 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:
On XX/XX/XXXX, I reviewed my TransUnion credit report and discovered an account being reported by XXXX XXXX XXXX, IN on behalf of XXXX, showing a balance of {$690.00}. 

I disputed the accuracy of this debt in writing under my rights provided by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

No Validation Received : To this day, I have never received proper validation of the alleged debt. 
CFPB Response Admission : In an XX/XX/XXXX response to a CFPB complaint against XXXX XXXX XXXX, the company admitted : Validation of the debt will be sent to you. 
This admission confirms that the debt has not yet been validated. 
Premature Reporting = Unlawful Communication : Case law ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ) ) establishes that furnishing a debt to a credit reporting agency is a communication under the FDCPA. Because XXXX XXXX XXXXXXXX reported this debt before validation, the reporting was unlawful.

Despite the collectors admission that validation has not been provided, TransUnion continues to report this debt as valid and owed. This makes the account incorrect, misleading, and unverifiable information under the FCRA.

Why this violates the law FCRA 1681e ( b ) : TransUnion is required to follow reasonable procedures to assure maximum possible accuracy. Reporting a debt that the collector admits has not been validated is not accurate.

FCRA 1681i : Once I filed a dispute, TransUnion was required to reinvestigate and remove unverifiable information. By leaving this account in place, TransUnion is in 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 non-monetary relief
Consumer complaint received 2025-08-17 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have gotten multiple charges to my account from this company and I tried to figure out how to handle it so I tried contacting discover to dispute these transactions and nothing was done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, I bank with TD Bank in XXXX XXXX XXXX XXXX Florida.... I received a cashiers check from a customer, I then deposited the check into my business account for it to clear. The next day the check showed that it had cleared on my app, so I then went inside the bank to verify that the funds were cleared and in my account, I went up to the teller and asked her to please verify the funds had cleared and then I asked her specifically, please make sure the funds are cleared for sure and that they are definitely in my account. The teller re-assured me that they were, I explained to her the reason I want to make sure is because the customer wanted me to XXXX there counter top stone delivery guy {$1500.00}, so again the teller told me it was fine and I could XXXX the money, so I did!!! 
The very next m morning I was checking my accounts and saw that the account i had deposited the cashiers check in, and sent the XXXX for {$1500.00} was in the negative!!! 
Not only did the amount of the check disappeard out of the account, but also the {$1500.00} XXXX I XXXX....... So I went immediately to TD Bank and told them what happened, they told me to file a complaint with their back office, so one of the customer service reps help we file an escalated complaint. It was about XXXX days later when I was informed but TD Bank Corporate that they looked into it, and the were not going to return my {$1500.00} back into the account...... I tried talking, nd talking to them but they just ignored my complaints. The fact remains that XXXX of there front line teller 's who works for TD Bank, and represents TD Bank specifically told me the funds were mine and cleared in my account, and I could XXXX money from the funds that had cleared. 
That is just not right, the bank reassured me it was OK, and if there was some loss then why did the bank not return the money, after all they are suppose to be insured. 
PLEASE..... I need your help in getting my money back into my account, it was there fault this happened to begin with!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
CFPB 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 Loan Type : Contract for Deed / XXXX XXXX XXXX XXXX XXXX XXXX XXXX , acting as servicer under my Contract for Deed with XXXX XXXX XXXX XXXX XXXX has failed to comply with RESPA ( 12 U.S.C . 2605 ( e ) ) and Regulation X ( 12 C.F.R. 1024.17 ) by refusing to provide a proper escrow account analysis and inflating escrow charges for both property taxes and insurance. 

I submitted a formal written demand letter ( Notice of Error ) on XX/XX/XXXX, sent certified mail and email. The letter requested a corrected escrow analysis, supporting documentation, and proof of insurance charges. The servicer has not complied within the required timeframe and continues to demand inflated payments. 

Details of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tax Bill : {$2700.00} ( paid in full ). 

XXXX XXXX XXXX : {$6800.00}. 

This is an overstatement of more than {$4000.00} annually. 


Inflated XXXX  XXXX XXXX XXXX analysis lists premium of {$4100.00} annually. 

Policy was placed through XXXX, an affiliate of XXXX XXXX XXXX ( the seller ). 

This creates an affiliated business arrangement under RESPA 8 with no disclosure provided, raising concerns of self-dealing. 

Failure to Provide Escrow Analysis Regulation X requires : Month-by-month projection of escrow deposits/disbursements for the next XXXX months. 

Past XXXX  months of escrow history. 

Running balance after each transaction. 

Copies of tax bills and insurance invoices. 

None of this has been provided, despite my demand. 

Failure to Record the Contract for Deed Under Texas XXXX XXXX XXXX, XXXX was required to record the contract within 30 days of execution ( XXXX XXXX, XXXX ). 

XXXX XXXX XXXX show no recorded document. 

This is an independent violation that subjects them to statutory penalties, actual damages, and attorneys fees. 

Consumer Harm My monthly payment was improperly increased from approx. {$3200.00} to {$3700.00}, based on inflated and unsupported escrow charges. 

This has created financial strain, uncertainty in housing stability, and the risk of wrongful foreclosure if I contest the charges. 

I have acted in good faith, promptly requesting documentation, but the servicer has failed to respond.

Company response to consumer: Closed with explanation