vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: AR

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00}

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 2025-07-11 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: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: VA

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus.

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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Moss Law Firm, P.C.
State: CA

Complaint narrative:
I received a letter from Moss Law Firm stating that they were attempting to collect a debt on XX/XX/XXXX. 

I dispute the validity of the debt. 

Moss Law Firm does not provide an email address to contact them but do provide a fax number. I faxed Moss Law Firm requesting validity of the debt. Pursuant to the FDCPA ( 15 U.S.C. 1692g ), I requested written verification, including the original creditors name, the amount owed, documentation proving I owe this debt, and confirmation of the last payment date, including the original signed contract of the debt as well as account statements, including confirmation of the last payment date and account activity history. 

Moss Law Firm did not provide any of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

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 explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
I respectfully request that my complaint against Sentry Credit be reopened. 

To date XXXX XXXX has not provided proof that they are properly licensed or registered to collect debts in the state of Florida where I reside. This is a critical requirement under Florida law for any debt collector attempting to collect from a Florida resident. 

Additionally, when I disputed the alleged debt and requested validation Sentry Credit responded only with a generic account summary rather than the underlying signed lease detailed itemization, or other documents demonstrating I am legally responsible for the amount they claim. This falls short of the validation required under 809 of the Fair Debt Collection Practices Act ( FDCPA ).

Despite these deficiencies Sentry Credit continues to report this debt on my credit reports which is causing ongoing harm. Because Sentry Credit has failed to prove both ( 1 ) the validity of the debt and ( 2 ) their legal authority to collect in Florida I believe my case was prematurely closed and not fully investigated.

I am requesting that the CFPB reopen my complaint and require Sentry Credit to either : Produce documentation showing they are properly licensed to collect in Florida, and Provide full validation of the debt ( including the original signed lease and itemized charges ) or remove the tradeline from my credit report.

Thank you for your time and reconsideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND I HAVE BEEN THE VICTIM OF IDENTITY THEFT. I DO NOT RECOGNIZE THESE ACCOUNTS. PLEASE DELETE FROM MY CREDIT REPORT AS THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT REPORT.

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 2025-07-11 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: FL

Complaint narrative:
I RECEIVED A COPY OF MY CREDIT REPORT AND I HAVE BEEN THE VICTIM OF IDENTITY THEFT. I DO NOT RECOGNIZE THESE ACCOUNTS. PLEASE DELETE FROM MY CREDIT REPORT AS THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  bankruptcy case, indicating their belief that XXXX  XXXX have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

* * My Background * * I was a customer of Juno, which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXX and was frozen on or around XX/XX/year>, without warning. 

* * The Harm I Suffered * * When my account was frozen, I had {$3300.00} in the account. Since then, I have recovered {$0.00}, leaving {$3300.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I had lost my job in year XXXX  and I was in dire need of the fund I saved with Juno. I was unable to buy groceries and other basic necessities. I endured severe XXXX  and distress due to the sudden loss of access to my savings. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Reporting wrong dates of last activity and Reporting wrong remarkes, over 60 days of letters been set to correct the issue and wasnt. 
XXXX  XXXX Account # XXXX Wrong reporting inaccuracies across the board all three bureaus Sent letters 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 2025-07-11 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMA Advisors, LLC.
State: NC

Complaint narrative:
I applied for a HELOC with XXXX XXXX XXXX and Homebridge Financial Services DBA XXXX. From the beginning of the process, I informed their representative ( XXXX XXXX ) that the property securing the loan was held in an irrevocable trust. I later submitted insurance documents showing the trust as the titled owner. Despite this early disclosure, my credit was pulled and I was encouraged to proceed with the loan as if it were moving forward. 
Only after submitting the deed and trust declaration was I told that the application was denied, citing an unacceptable leasehold estate. This reason is factually inaccurate the trust holds the property in fee simple title, and I am the trustee with legal authority. 
Their failure to perform due diligence before performing a hard inquiry has negatively impacted my credit. I also relied on their statements to proceed with a business acquisition, now delayed. This amounts to negligent misrepresentation and violates the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). 
I am requesting compensation in the amount of {$200000.00} for the resulting harm. My formal demand was submitted directly to the companies but has not been addressed. Please see the attached letter for details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Car was repossessed XXXX causing me to lose my job

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Equifax, Experian & Transunion and XXXXXXXX XXXX XXXX XXXXXXXX  I am filing this complaint against XXXXXXXX XXXX XXXXXXXX XXXX also identified as XXXX  on my credit reports ) for inaccurately reporting late payments on my mortgage account. Specifically, a 60-day late mark is reported for XX/XX/XXXX, which I have disputed as inaccurate and no validation process documents. A 30-day late for different months. 
Violations of Federal Law : Despite my direct disputes to both the credit bureaus Equifax and the data furnisher ( XXXX  ), the negative information remains without any proper investigation or documentation provided. This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) Furnishers have a duty to provide accurate information.

15 U.S.C. 1681i ( a ) ( 1 ) Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If information can not be verified, it must be deleted from the credit file.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Upon re-disputation, the CRA must provide a description of the procedure used to determine the accuracy and completeness of the information. 
Dispute History : I submitted disputes to Equifax, Experian & Transunion regarding this issue multiple times in XXXX  and XXXX. 
I also sent disputes directly to XXXX requesting proper validation of the late payments. 
To date, no sufficient documentation or evidence has been provided substantiating the reported 60-day delinquency. 
The payment history remains unchanged despite the lack of verifiable evidence. 
Evidence Submitted : I have attached screenshots from my Equifax, Experian and Transunion credit report showing the inaccurate late payment being reported on multiple reporting dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These illustrate the persistence of the derogatory mark and the failure to correct or validate the information. 
Relief Requested : I am requesting the CFPB to investigate and compel XXXX XXXX XXXX XXXX XXXX and Equifax , Experian and Transunion to : Delete the unverifiable late payment ( s ) from my credit report. 
Cease reporting inaccurate information not supported by documentation. 
Provide documentation or verification procedures used, if they claim the derogatory reporting is accurate. 
Ensure compliance with all provisions under the FCRA listed above.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Equifax, Experian & Transunion and XXXXXXXX XXXX XXXX XXXXXXXX  I am filing this complaint against XXXXXXXX XXXX XXXXXXXX XXXX also identified as XXXX  on my credit reports ) for inaccurately reporting late payments on my mortgage account. Specifically, a 60-day late mark is reported for XX/XX/XXXX, which I have disputed as inaccurate and no validation process documents. A 30-day late for different months. 
Violations of Federal Law : Despite my direct disputes to both the credit bureaus Equifax and the data furnisher ( XXXX  ), the negative information remains without any proper investigation or documentation provided. This constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) Furnishers have a duty to provide accurate information.

15 U.S.C. 1681i ( a ) ( 1 ) Credit reporting agencies must conduct a reasonable reinvestigation within 30 days of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) If information can not be verified, it must be deleted from the credit file.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Upon re-disputation, the CRA must provide a description of the procedure used to determine the accuracy and completeness of the information. 
Dispute History : I submitted disputes to Equifax, Experian & Transunion regarding this issue multiple times in XXXX  and XXXX. 
I also sent disputes directly to XXXX requesting proper validation of the late payments. 
To date, no sufficient documentation or evidence has been provided substantiating the reported 60-day delinquency. 
The payment history remains unchanged despite the lack of verifiable evidence. 
Evidence Submitted : I have attached screenshots from my Equifax, Experian and Transunion credit report showing the inaccurate late payment being reported on multiple reporting dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These illustrate the persistence of the derogatory mark and the failure to correct or validate the information. 
Relief Requested : I am requesting the CFPB to investigate and compel XXXX XXXX XXXX XXXX XXXX and Equifax , Experian and Transunion to : Delete the unverifiable late payment ( s ) from my credit report. 
Cease reporting inaccurate information not supported by documentation. 
Provide documentation or verification procedures used, if they claim the derogatory reporting is accurate. 
Ensure compliance with all provisions under the FCRA listed above.

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