vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Despite being paid off, the account still lists late payments inaccurately.

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 2025-10-30 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: FL

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
The account being reported is not mine and appears to be a reporting mistake.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The account was settled in full, but late payment notations remain.

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 2025-10-30 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: NJ

Complaint narrative:
The account was settled in full, but late payment notations remain.

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 2025-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Fairway Independent Mortgage Corporation
State: KS

Complaint narrative:
I had problems with this company before ( and I have the emails to prove it ), we were able to get it resolved with the owner back at that time, but they still never gave us the loan. So years later, when I felt like we were ready to try again I came back to them to try and see if we could get a loan and this time I worked with someone completely different and still got the same results. I then came back to the owner and let him know what had happened and he took it as if it was some kind of joke ( just by his lack luster responses ) and at the end of the day he refused to correct the problem, instead of fixing it he purposely allowed it to go on, blocked any further emails from me and even encouraged the denial. So they denied us. 

He had a loan officer who continuously lied to me and would not help me even qualify for a loan or give me the same steps of qualifying for the loan ( that they would do for my white counter parts ) so that they could properly assist me. I even found an article online where they helped another couple, who did not look like us, get " qualified '' for XXXX of their loans within only XXXX days ( and their situation wasn't as good as ours ). She even told me that she has never even heard of a first time home buyer grant ( even though she's worked in the industry for XXXX  years ). The conversation was utterly ridiculous. Only when I pressed the issue and doubted what she was telling me, then she would somewhat tell me about " some '' help, only XXXX source, but it was help that she said that we didn't qualify for. We went around in an endless foolish circle and I felt like " Tell me that you don't want to serve me without telling me that you don't want to serve me. '' And here 's the thing, we had the income, qualify for a VA loan and are first time homebuyers ( which was a dream combination for a mortgage company to work with ). So with this I could only come to XXXX conclusion of why they would NOT serve us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXI am submitting this formal request for blocking of inaccurate address information currently appearing on my credit or consumer file. This request is made under the Fair Credit Reporting Act (FCRA) Section 605B, which requires consumer reporting agencies to block information that the consumer identifies as inaccurate or the result of identity theft within XXXX XXXX business days of receiving proper notice and documentationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
XXXXI am submitting this formal request for blocking of inaccurate address information currently appearing on my credit or consumer file. This request is made under the Fair Credit Reporting Act (FCRA) Section 605B, which requires consumer reporting agencies to block information that the consumer identifies as inaccurate or the result of identity theft within XXXX XXXX business days of receiving proper notice and documentationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-30 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 am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
Lloyd & McDaniel PLC filed and served a wage garnishment to my employer, the XXXX XXXX XXXX, on XX/XX/XXXX, on behalf of XXXX XXXX XXXX. The documents list XXXX XXXX XXXX with an SSN ending in XXXX and an address that are not mine. My name is XXXX XXXX XXXX, and my SSN and address do not match. The alleged judgment is from XX/XX/XXXX, when I was a minor. My only auto loan was through Michigan XXXX XXXX XXXX XXXX XXXX and was paid off and closed. Despite these errors, the firm contacted my employer about this debt, which constitutes a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692b, 1692e, and 1692f ). I am requesting that this garnishment be formally withdrawn and that Lloyd & McDaniel PLC be investigated for improper collection practices and data misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

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 id-entity 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 2025-10-30 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:
This account was fully paid, yet it continues to show late payments.

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 2025-10-30 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
I am really frustrated that unauthorized inquiries remain on my credit report despite checking again this morning. Refreshing the page did not fix anything, and I urgently need you to look into the documents I sent and take action right away.

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 2025-10-30 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: NJ

Complaint narrative:
I am really frustrated that unauthorized inquiries remain on my credit report despite checking again this morning. Refreshing the page did not fix anything, and I urgently need you to look into the documents I sent and take action right away.

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 2025-10-30 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: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have a car loan with Exeter financial and my Statement of Account dated XX/XX/year>, which reflects the following balances : - Outstanding Principal : {$20000.00} - Outstanding Interest : {$150.00} - Outstanding Fees : {$470.00} - Total Outstanding Balance : {$21000.00} Upon reviewing the statement, I have concerns regarding the accuracy of certain charges, specifically late fees, payment reversals, and other assessed fees on my account. Exeter has not correctly applied my payments to my loan.Even after my bank has called into their customer service and verified my payments have already posted to them. I respectfully request that Exeter : XXXX Review my account history in full to ensure all charges were properly assessed. 
XXXX. Correct or remove any fees or charges applied in error. 
XXXX. Provide a revised and accurate statement of account reflecting any adjustments. 
XXXX. Confirm in writing how payments were applied toward principal, interest, and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally express my concern and disappointment regarding the recent closure of my account and the series of service disruptions that preceded it. 

I was a satisfied Ally customer for over a year. As I relocated to a new city in Texas, my online account became a vital tooloffering convenience and stability during a time of transition. However, in XXXX or XXXX, my account was closed without my awareness. I later discovered via phone call that an email had been sent requesting an updated address, which I had not seen. Upon calling, I provided my new residence and was assured I could open a new account within two business days. 

I followed those instructions, but noticed that older accounts were still visible in the app. One of those accounts, which I believed had been closed, still held a balance of {$8.00}. In XXXX, I saw that same account had received a {$250.00} dispute credit I had requested back in XXXX. A representative confirmed the account was still open and transferred the funds to my new account. I assumed the full balanceincluding the XXXX XXXXhad been transferred. 

Later, another agent clarified that the {$8.00} had not been moved and initiated closure of the older account to avoid confusion. Despite these efforts, my newly opened account was closed again approximately two weeks ago, without explanation, even though it still held a balance of around {$100.00}. 

I believe this closure may have been triggered by internal confusion or misreported activity, possibly flagged as fraud. However, the inconsistencies stemmed from Allys own system and agent handlingnot from any fraudulent behavior on my part. I made multiple calls, followed instructions, and acted in good faith. Unfortunately, the lack of clarity and coordination among representatives placed me in a vulnerable positionespecially as I was relying on those funds to pay for housing during a critical moment. 

I understand the importance of fraud prevention and legal compliance. However, aside from the initial closure ( which was due to my oversight in missing the address update email ), the subsequent issues were not my fault. I am requesting a formal review of this case and seeking appropriate reparation for the distress, disruption, and financial inconvenience this situation caused. 

Please contact me with next steps and updates regarding this matter. 

Sincerely, XXXX 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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America withdrew {$5000.00} from my personal savings account without my authorization and applied it toward a credit-card account that I do not recognize. I never gave written consent, nor did I sign any contract authorizing internal setoff or transfer between accounts. 

On or about XXXX, {$5000.00} was taken from my savings and used toward a Bank of America credit-card account ending in XXXX. I never received notice, and I never signed any agreement allowing this. 

I requested documentation proving any authorization or account agreement, but Bank of America has not produced a signed contract, cardholder agreement, or deposit-account clause granting setoff rights. 

Under : 15 U.S.C. 1692f ( 1 ) ( unfair collection practice unauthorized amount ) 15 U.S.C. 1666 ( Truth in Lending Act billing error ) 15 U.S.C. 68016802 ( GrammLeachBliley Act privacy and misuse of financial information ) this action is unauthorized and unlawful.

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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