vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: MS

Complaint narrative:
The personal information currently appearing on my credit report is inaccurate, particularly the addresses being reported. I am providing the necessary documents as proof so that you can review and promptly remove these incorrect addresses from my 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 explanation
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple instances of inaccurate and harmful information being reported on my credit file by various furnishers and credit reporting agencies. These inaccuracies are not only damaging my creditworthiness but also constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Details of Inaccuracies : Wrong/Incorrect Addresses Reported : XXXX XXXX, XXXX, SC XXXX XXXX XXXX, XXXX, SC XXXX These addresses are incorrect and not associated with me. Their presence on my credit file is a clear case of misreporting and raises serious concerns about the integrity of the data being maintained. 

Accounts with Inaccurate/Unverified Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance {$270000.00} Reported Late Payment ( s ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts opened between XXXX, reported as Charge Offs, with balances {$45000.00}, {$3700.00}, and {$7000.00} respectively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$4200.00} Reported as Charge Off. 

AssetCare ( XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance {$860.00} Reported as Collection Account. 

These accounts are either inaccurately reported, unverifiable, or contain incomplete and misleading information. Furnishers are legally obligated under FCRA 623 to provide accurate and verifiable information, which they have failed to do. 

Unverified Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were conducted without my knowledge, authorization, or permissible purpose under FCRA 604. Their inclusion on my credit report is unlawful and damaging. 

Violations Identified : Reporting of false, inaccurate, and unverified information. 

Failure to maintain maximum possible accuracy as required by FCRA 607 ( b ). 

Failure of furnishers to ensure data integrity under FCRA 623.

Unlawful hard inquiries without permissible purpose under FCRA 604.

Requested Resolution : I demand the CFPB to : Investigate these violations immediately. 

Instruct the credit reporting agencies and furnishers to delete the inaccurate addresses, accounts, charge-offs, collections, and unauthorized inquiries. 

Require furnishers to provide proper verification or otherwise remove the disputed information permanently. 

Ensure compliance and impose penalties on furnishers/agencies for their negligent and harmful practices.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year> I went into a branch of bank of America and ask for hardship related deferred payment for 3 months because of medical bills I had to address for my husband who was in a car accident. The Branch person behind the desk, where we open accounts at said he put the note on the account and that I would not have any payments due until XX/XX/year>XXXX Yet I just called in because I tried to log in and make a payment and I found out that my credit card has been charged off!!!!! 

AND THEN THEY HAD THE XXXX NERVE TO INCREASE THE BALANCE BY OVER {$1000.00} IN " FEES '' BUT YET I CANT EVEN ACCESS THE XXXX TRANSACTION HISTORY TO REVIEW WHAT THEY DID. 

The lady I spoke to on the phone kinda laughed when she said BOA has never offered hardship anything, as if I work for them and should have know that. I guess I've never actually notice BOA doesn't have a soul so why would they. 


Please help, I want to pay my balance but not {$1000.00} in fees and need my credit report to not be damaged by this lie from Bank of America.

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 2025-09-24 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-09-24 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I went to XXXX 's in XXXX XXXX on XX/XX/XXXX. I returned an item and bought XXXX items. As I was checking out, the clerk stated that I was picked for an upgrade to XXXX XXXX XXXX - I SPECIFICALLY asked her Will this hit my credit report because if so, no, because we are buying a house and I am trying to get my credit pristine. She said it is not a hard credit hit- it is a soft hit and wont show on my report. I said are you ABSOLUTELY sure and she said yes. I said ok- but it better not hit my credit or I will be really upset- she said it wont. Fast forward XXXX weeks - I started getting alerts on my XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX that it indeed was a new inquiry ( a HARD inquiry ) and a new card. I am upset to say the least - I had to explain to my partner that I am looking to buy the house that I did not get a new credit card and that I am not lying. This has caused so much turmoil in my home, and I was blatantly LIED to. I called the XXXX XXXX XXXX credit card, and their fix was to say my card was lost or stolen and that I would be contacted later to discuss if I want to reopen the card????? I said I just wish to have the inquiry removed. So here I am asking for help to have it removed.

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 2025-09-24 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: WV

Complaint narrative:
XXXX contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: RI

Complaint narrative:
Hi IC SYSTEMS : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( the contract I allegedly signed, if applicable ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX confirm XXXX unverifiable or misleading data can not lawfully remain on a consumers credit 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Demand for Full Refund of Car Loan Payment Demand for Full Refund of All Payments Made Toward Car Loan Due to Violations To Whom It May Concern, I am submitting this complaint regarding a car loan I obtained through STATE EMPLOYEE CREDIT UNION. I am demanding a * * full refund of all money paid toward this loan * * due to serious violations of my consumer rights and financial harm caused by the credit unions actions.

These violations include : 1.Unclear and misleading loan terms * * written in complex legal language that I did not understand at the time of signing. I was not given a plain-language explanation of my obligations.

2.Unexplained charges * * and fees that were never disclosed or justified.

3. Missing or misreported payments * *, despite my consistent efforts to pay. These errors have damaged my credit and caused emotional XXXX. 

4.Unsigned and altered loan documents * * provided to me, including scratch-outs and handwritten changes that raise serious concerns about the validity of the agreement.

5.Failure to notify me * * after I updated my contact information, which prevented me from receiving important updates and resolving issues in a timely manner.

These actions constitute a breach of trust and may violate the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and other consumer protection laws. I believe the loan was administered under deceptive and unfair practices, and I am requesting that the CFPB investigate and assist in securing a * * full refund of all payments made * * toward this car loan.

I am also requesting : - A full accounting of all payments made - Immediate correction of my credit report - Written confirmation that the loan has been voided or resolved Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, NC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I have encountered difficulties accessing my EXPERIAN & EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
The XXXX nationwide consumer reporting agencies ( XXXX XXXX, and TransUnion ) are reporting false and fraudulent accounts in my credit files. 

I have never held these accounts. I disputed them directly with each bureau on XX/XX/year>, but they failed to correct the errors or provide proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 1681i ( a ) : Failure to conduct a lawful reinvestigation of disputed information.

FCRA 1681i ( c ) : Failure to correct or delete unverifiable information and notify furnishers.

FCRA 1681n & 1681o : Willful and negligent noncompliance, exposing me to damages. 

The continued reporting of these false accounts has : Damaged my credit standing, Caused emotional distress, and Interfered with my ability to obtain credit on fair terms. 

Across all three bureaus, I am wrongly listed with accounts including ( masked for privacy ) : XXXX XXXX XXXX ( multiple trade lines ) Santander 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 Multiple unauthorized credit inquiries ( 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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXXXXXX 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 2025-09-24 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: FL

Complaint narrative:
In accordance with the XXXX Fair Debt Collection Practices Act, 15 U.S. Code 1692c, XXXX XXXX XXXX violated my rights as a consumer, you are hereby notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor, to resolve this matter, as warranted. Please take note that I am declining any attempts by, or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with further regards to this matter, unless it is to notify me via XXXX mail that you will be terminating all attempts to collect this alleged debt.

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 2025-09-24 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief