vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: WA

Complaint narrative:
I found inquiries on my credit report that are not mine.

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 2025-09-15 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. Specifically, I would like to draw your attention to 15 U.S.C. 1666b, which mandates that creditors must provide accurate information to credit reporting agencies.This law ensures that any reported late payments must be verified and substantiated with appropriate documentation. Furthermore In accordance with the law, my rights have been violated. Late payment reports to consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
To Whom It May Concern : I am formally requesting that you cease and desist from any further contact with me regarding the alleged account referenced in your communications until you have fully complied with the following requests for validation.

Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c, 1692g ), I dispute this alleged debt in its entirety and demand proper documentation to establish : 1. Proof of Original Creditor Written documentation showing that you are the legal owner of this alleged debt or have been properly assigned it. A mere charge-off account or balance transfer does not constitute legal proof of ownership.

2. Wet Signature Contract A complete copy of the original agreement bearing my wet signature that created the alleged obligation. Photocopies, digital reproductions, or unsigned agreements will not suffice.

3. Full Accounting An itemized statement showing how the amount you claim was calculated, including all fees, charges, interest, and credits applied since origination.

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), you are prohibited from accessing or furnishing information to the credit reporting agencies without a permissible purpose. Unless you can provide the documentation requested above proving ownership and authority over this alleged debt, you do not have a lawful basis to report it, nor to obtain or use my credit information.

Pursuant to 15 U.S.C. 1692c, you are hereby notified that you must cease all communications with me except to provide the validation documents requested or to notify me that collection efforts have been terminated. Any continued attempt to contact me without compliance will be considered a direct violation of federal law.

Until such documents are furnished, you must cease all collection activities, including but not limited to phone calls, letters, negative credit reporting, or legal threats. Be advised that any attempt to collect or report without proper validation constitutes a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General.

If you can not produce the requested documentation, you must : Cease collection immediately Remove any reporting of this alleged debt from all credit bureaus Confirm in writing that your office considers this matter closed This letter serves as my formal notice to you. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is unacceptable, as it reflects false and misleading information about my financial history. I take my credit profile very seriously, and the presence of these unauthorized accounts is highly alarming.

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 2025-09-15 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 recently reviewed my credit reports and discovered several accounts and hard inquiries that I did not authorize or open. These include credit accounts with XXXX XXXX XXXX ( secured and unsecured ), as well as XXXX XXXX XXXX I never applied for or opened account with XXXX, and I have no authorizations for the charges with credit accounts for XXXX  XXXX XXXX ( secured & unsecured ). The accounts are reporting as charged-off or negative, which is damaging my credit profile. 

In addition, my reports show multiple unauthorized hard credit inquiries from 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, and XXXX XXXX. I did not apply for credit with any of these companies and did not authorize them to access my credit file.

I believe I am the victim of identity theft. These accounts and inquiries were made without my knowledge, permission, or consent. I am requesting that these fraudulent items be blocked and permanently removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA 605B ).

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 2025-09-15 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: NJ

Complaint narrative:
I recently reviewed my credit reports and discovered several accounts and hard inquiries that I did not authorize or open. These include credit accounts with XXXX XXXX XXXX ( secured and unsecured ), as well as XXXX XXXX XXXX I never applied for or opened account with XXXX, and I have no authorizations for the charges with credit accounts for XXXX  XXXX XXXX ( secured & unsecured ). The accounts are reporting as charged-off or negative, which is damaging my credit profile. 

In addition, my reports show multiple unauthorized hard credit inquiries from 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, and XXXX XXXX. I did not apply for credit with any of these companies and did not authorize them to access my credit file.

I believe I am the victim of identity theft. These accounts and inquiries were made without my knowledge, permission, or consent. I am requesting that these fraudulent items be blocked and permanently removed from my credit reports in accordance with the Fair Credit Reporting Act ( FCRA 605B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My vehicle recently was repossessed. The company, XXXX XXXX XXXX, did not inform me prior that my vehicle was at risk for repossession. I also did not receive a communication from them within 24-48 hours of the repossession which is a violation of N.Y. U.C.C . 9-611, 9-614. They also terminated my account without my knowledge. The company failed to offer any alternatives such as forebearance or deferment due to hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
These accounts were added to my credit report without prior written notification or validation, in direct violation of my rights under the * * Fair Debt Collection Practices Act ( FDCPA ) * *, specifically * * 15 U.S. Code 1692g * *, which requires debt collectors to provide written notice of the debt and a 30-day window to dispute it. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, under the * * Fair Credit Reporting Act ( FCRA ) * *, * * 15 U.S. Code 1681i * *, I am entitled to dispute any information I believe to be inaccurate or unverifiable. I have no knowledge of these accounts and have never received documentation substantiating their legitimacy or ownership.

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 2025-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX Bridgecrest continues to add high interest rates and fees to my account. I have asked for lower rates or even to refinance my loan for a lower rate and have been told Bridgecrest does not refinance loans. I am continually receiving late payment notices ( harassment ) and even at a time in XXXX I was making {$1000.00} payments and my account/balance is still higher than the original amount. I purchased a used car through XXXX and the car has had numerous technical issues. And now the balance is way more than the original ad advertised amount that XXXX listed at. So disappointed. And XXXXXXXX XXXX XXXX XXXX. And they said that they have no resources or support or even hardship assistance for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
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 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 2025-09-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
This letter constitutes a formal request for correction of my credit file. The referenced accounts are fraudulent and unauthorized. I request their removal and a proper inquiry. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
Rushmore Loan Servicing placed mandatory hazard insurance on my mortgage even though I had full coverage insurance on the property. I was paying the insurance company and the hazard insurance added to my account by Rushmore. This began XX/XX/year> and I have made countless attempts over this three year period to have this resolved with Rushmore and they do not respond. I have submitted proof of insurance coverage and my insurance agents have also reached out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Arcadia Holdings, LLC
State: PA

Complaint narrative:
Arcadia XXXX XXXX contacted me in XX/XX/year> about a debt i have no idea about and did not provide any further details or proof of validation. In the message it says that this number is verified to receive text messages but i never gave any authority to anyone as i dont even know who this company is. Today, XX/XX/year>, they contacted me again which now violates my FCRA rights

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation