vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the eve
nt that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NJ

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 my privacy with my consumer report, since I control what is listed and what is not. In the eve
nt that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MO

Complaint narrative:
RE-INVESTIGATION : XXXX Debt Collector AMSHER knowingly violated 6 FCRA laws. 
AMSHER Collection contacted me in XX/XX/year>XXXX  regarding a debt which was disputed and they were unable to validate the debt. I produced a PAID IN FULL receipt. 

a ) AMSHER willfully sold the debt to XXXX XXXX, after I proved the debt wasn't mine. It is unlawful to sell a debt that was disputed & not validated : violating FDCPA 1692g ( b ) b ) In selling this debt, AMSHER failed to disclose to XXXX XXXX that the debt was disputed and not validated. Per FDCPA 1692e ( 8 ) misleading representation of a debt is illegal.

c ) The debt continues to be reported without a dispute notice, which is a FCRA Credit report violation per FCRA 1681s-2 ( a ) ( 3 ) d ) AMSHER willfully selling this debt without following FCRA law implies that I owe a proven false debt, which misrepresentation & a violation of FDCPA 1692e ( 2 ) ( A ).

e ) AMSHER is bound by law not to intimidate, abuse, bully, browbeat, harass, or coerce consumers such as myself and is in violation of FDCPA 1692d as well as 15 U.S.C. 1681s-2 ( a ) ( 3 ) of the Fair Credit Reporting Act. 

I am a XXXX individual, and AMSHER 's willful disregard to follow FCRA federal laws holds a fine of XXXX per violation. 

This complaint also serves as a demand for the violation of my rights in the amount of {$4800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
I am filing this complaint to formally request that the CFPB investigate Experian and TransUnion for continuing to report a negative account from XXXX XXXX that has already been deleted by XXXX  due to failure to verify. 

This discrepancy violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain accurate and consistent data across all consumer files. 

Reasons for Complaint : XXXX deleted the account, confirming it could not be verified. 
Experian and TransUnion continue to report it, showing a lack of consistency and compliance. 
The furnisher, XXXX XXXX, has likely failed to provide verifiable documentation. 
The continued reporting has caused unjust damage to my credit profile and score. 
I have attached a copy of my XXXX report showing that this account has been removed. I am requesting that : The CFPB investigate Experian and TransUnion for non-compliance with the FCRA. 
The inaccurate account be immediately deleted from my credit files. 
I receive a written response within 30 days, as required by federal law. 
This issue is affecting my ability to obtain credit and causing financial harm. I ask that the CFPB take swift action to hold these credit reporting agencies accountable. 

Companies Involved : Experian TransUnion

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 2025-07-26 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: AZ

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are inaccurate and do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these items. Enclosed are a list of the disputed accounts and my Identity Theft Report filed with the FTC. 

Please investigate and confirm once the corrections have been made.

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 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I recently began financing my vehicle through TD Auto Finance. Around the same time, I needed to relocate and register the car in another state, which requires TD to send the title or lienholder documentation to that states DMV. 

For over two months now, I have been calling repeatedly to request this. Each time, Ive been told something different : that it was sent, that it wasnt, that it was being expedited, or that a third party was handling it. On one call, they gave me a date it was supposedly sent, but when I followed up, I was told it had not actually been sent. I was then told it would be expedited, but that never happened either.

At one point, a representative even told me they didnt have the title at all, which directly contradicted what I had been told previously. The conflicting information, lack of follow-through, and absence of tracking or confirmation have made this an incredibly frustrating process. 

Customer service has been extremely unhelpful and at times dismissive. No one seems to have a clear answer or take ownership of the issue. I still have no confirmation that anything was delivered to the correct DMV office. Im now on my second temporary tag and at risk of not being able to drive legally due to TD Auto Finances delays and miscommunication.
I simply need the required paperwork sent, whether electronically or physically, to the proper DMV office so I can register my car. This process should not be this difficult, and I am requesting urgent resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing a writ of possession that appears in a tenant screening report issued by TransUnion XXXX  XXXX, XXXX, etc The writ of possession is related to an eviction case that was vacated, or filed in error, yet it is still being reported by the tenant screening company. 

I have already contacted the screening company and submitted documentation showing that the case was [ dismissed/settled/etc. ], but they have not corrected or removed the record. 

This inaccurate reporting has negatively affected my ability to obtain housing, despite the legal resolution of the case. 

I am requesting that the CFPB review this matter and require the screening agency to : Immediately remove or correct the inaccurate record, Provide written verification of the records accuracy, and Comply with the Fair Credit Reporting Act ( FCRA ) requirements for accuracy and dispute resolution. 

I am happy to provide supporting documentation, including court orders and communication history, if needed.

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 2025-07-26 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: MS

Complaint narrative:
I am submitting this formal complaint concerning the presence of multiple unauthorized hard credit inquiries currently being reported under my name by various entities. I did not authorize these inquiries, nor have I ever conducted any business, submitted any applications, or provided consent to the listed companies to access my consumer credit report. 

After reviewing my credit file and verifying my records, I determined that these inquiries are a result of identity theft. I have taken the appropriate steps, including filing an FTC Identity Theft Report ( Report XXXX XXXXXXXX ), but despite my efforts to contact the credit bureaus and the individual creditors directly, these inquiries remain unresolved and continue to harm my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ), no person or entity may access a consumers credit report without a permissible purpose and without the consumers knowledge and authorization. Furthermore, under the Metro 2 reporting guidelines ( Inquiry Only Static Reporting ), these entries must not remain if they are unverifiable, unauthorized, and linked to identity theft. 

The following inquiries were made without my consent and must be removed : 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 XXXX XXXX XXXXXX/XX/XXXX These inquiries are not associated with any application or account I initiated, and I demand their immediate removal.

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 2025-07-26 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: MS

Complaint narrative:
I am submitting this formal complaint concerning the presence of multiple unauthorized hard credit inquiries currently being reported under my name by various entities. I did not authorize these inquiries, nor have I ever conducted any business, submitted any applications, or provided consent to the listed companies to access my consumer credit report. 

After reviewing my credit file and verifying my records, I determined that these inquiries are a result of identity theft. I have taken the appropriate steps, including filing an FTC Identity Theft Report ( Report XXXX XXXXXXXX ), but despite my efforts to contact the credit bureaus and the individual creditors directly, these inquiries remain unresolved and continue to harm my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681e ( b ), no person or entity may access a consumers credit report without a permissible purpose and without the consumers knowledge and authorization. Furthermore, under the Metro 2 reporting guidelines ( Inquiry Only Static Reporting ), these entries must not remain if they are unverifiable, unauthorized, and linked to identity theft. 

The following inquiries were made without my consent and must be removed : 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 XXXX XXXX XXXXXX/XX/XXXX These inquiries are not associated with any application or account I initiated, and I demand their immediate removal.

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 2025-07-26 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: AR

Complaint narrative:
The following accounts were disputed with all credit bureaus. One bureau found them to be inaccurate and removed them. The others either failed to respond appropriately or returned generic, unverifiable responses. This results in inconsistent credit reporting and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable dataXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-26 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: MD

Complaint narrative:
Ive been disputing the two collection accounts that are reflected on my credit report. I have documents from the courts dismissing the debt. I can upload the documents again, but it seems like the investigating parties meaning the three credit reporting agencies dont look at it or keep it the same. At this point, I believe its against my rights of the fair credit act that theyre not removing this off my credit report since its all been dismissed. I would like them to look at the court documents. See that everything has been dismissed for these two collections and remove it off my credit report. Ive been trying to get this resolved for five months. Finally was able to get court documents that it has been dismissed. This is as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies.

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: KY

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) and XXXX ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX, XXXX, KY, XXXX XXXX XXXX XXXX, XXXX, KY, XXXX and XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$21000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-26 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: OK

Complaint narrative:
I am asking for your assistance to review accounts from these companies that are wrongly reporting late payments. After checking my credit report, I noticed some accounts show late payments inaccurately. There should be no late payment remarks on these accounts. Please remove these notes and update the accounts to show the agreed positive status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have sent a couple goodwill letters via postal mail for the past three months and have not receive any responses regarding my request.

I wrote to request the removal

of 2 late payments that appears on my credit report. I understand that payment was late after all, my 1st attempt of paym
ent was MADE ON TIME XX/XX/year>, but payment was rejected by my bank due to fraud protection which I was not aware of at the time, Then I received the late notice in the mail and got a couple phone calls asking for payment ( which sounded like scam calls at the moment ), Additionally, The last payment to pay off the auto loan was asking for different payment methods, by mail or over the phone, I have set up autopay on all the previous payments and I was afraid the check getting lost in mail and was worried that paying over the phone method might be a scam or fraud, so I was cautious and took some time to do some research to make sure the pay to party was legit. Once I checked with my bank and realized the payment was indeed late, I immediately made payment again on XX/XX/year>. I sincerely apologize for any inconvenience it may have caused. 
Prior to this instance, I have maintained an excellent payment record with you for 5 years. My account has always been current, and I have consistently made on-time payments. My credit score has always been above XXXX till this late payment record show up and deducted my credit score about XXXX point. 
I sincerely believe that this one-time incident doesn't reflect my overall financial responsibility and commitment to repaying my debts. I am planning to apply for a mortgage, and it's come to my attention that the missed payments on my record could hurt my ability to qualify. 
I would be grateful if you would consider my request and make a goodwill adjustment to remove the late payments from my credit report.

Company response to consumer: Closed with explanation