vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TX

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 XXXX 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 2025-07-22 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: TX

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 XXXX 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 explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) have failed to comply with my repeated requests to remove paid accounts and unauthorized inquiries from my credit report. I have successfully paid off several collection accounts under legally binding Pay to Delete agreements with the original debt collectors. These agreements clearly stated that the accounts would be deleted upon payment. 

I have submitted : Copies of the Pay to Delete letters Receipts of payment Confirmation correspondence from the collectors Despite this, the accounts remain on my credit reports, which is a violation of the agreements and causes ongoing damage to my credit profile.

In addition, I have disputed multiple unauthorized and outdated inquiries, which the bureaus have failed to remove or properly investigate, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I am filing this complaint because the credit bureaus ( Experian, Equifax, and TransUnion ) have failed to comply with my repeated requests to remove paid accounts and unauthorized inquiries from my credit report. I have successfully paid off several collection accounts under legally binding Pay to Delete agreements with the original debt collectors. These agreements clearly stated that the accounts would be deleted upon payment. 

I have submitted : Copies of the Pay to Delete letters Receipts of payment Confirmation correspondence from the collectors Despite this, the accounts remain on my credit reports, which is a violation of the agreements and causes ongoing damage to my credit profile.

In addition, I have disputed multiple unauthorized and outdated inquiries, which the bureaus have failed to remove or properly investigate, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: VW Credit
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX for deceptive, unethical, and predatory lease practices, which I believe also violate federal consumer financial protection laws. 

On XX/XX/XXXX, I entered into a lease agreement for a XXXX XXXX XXXX. I was XXXX XXXX XXXX XXXX XXXX, and my previous vehicle ( also an XXXX ) had been totaled. I was in good standing on that vehicle, had no trade-in, and no negative equity. 

Despite this, the lease reflects a {$1000.00} capitalized cost reduction ( down payment ), which I did not pay. This amount appears to have been fraudulently listed to distort the terms of the agreement. 

In addition : The dealership charged me {$4800.00} in add-on products which I requested that 3 be canceled The lease includes a {$12000.00} rent charge, but the money factor or interest rate was never disclosed. 
I requested this information multiple times by email, but the dealership has refused to respond, despite all managers being copied. 
After only XXXX years, I am in negative equity on a leased vehicle I never owned due to an overinflated lease price and hidden charges. 

At the time of signing, I was a XXXX XXXX XXXX XXXX XXXX XXXX recovering from an accident, aXXXX XXXX XXXX. I was transparent about my condition, and I believe I was taken advantage of in a vulnerable state. This raises serious concerns under : The Equal Credit Opportunity Act ( ECOA ) The Truth in Lending Act ( TILA ) The FTC Act And potentially the Americans with Disabilities Act ( ADA ) Resolution Requested : I am requesting that the CFPB investigate this transaction and that XXXX XXXX be held accountable for : 1. Providing full written disclosure of the money factor, interest rate, and breakdown of charges.

2. Refunding or canceling all unauthorized or misrepresented charges ( {$1000.00} down payment and {$4200.00} in add-ons ).

3. Offering a fair lease modification or early lease termination without penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion to address inaccuracies on my credit report. Unfortunately, these errors have not yet been corrected. For your reference, Ive attached copies of the letters sent to each bureau, along with a table outlining the discrepancies across all three reports. I respectfully request your assistance in reviewing and resolving these issues promptly.

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 2025-07-22 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: PA

Complaint narrative:
I reviewed my credit report and noticed that this account from XXXX XXXX XXXX ( account number : XXXX ) is fraudulent and does not belong to me. I attached the FTC report and my identifying documents. In accordance with FCRA regulations, please remove this fraudulent account from my credit file immediately within 4 days. Thank you

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 2025-07-22 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My business bank account with Chase Bank, which is registered under my name, was closed on XX/XX/year>, without any prior written notice. The account currently holds approximately $ XXXX, which is now being withheld without a clear or lawful process. I am personally liable for this account, as my name and Social Security number are tied to the business, and I am the individual responsible for its operations and finances. This issue has impacted me both personally and professionally. 
I was verbally informed by a Chase representative that the account was closed due to inactivity, which was blocked by chase due to the " fraud claim '' submitted by a vendors client. However, I have received no written notice, no documentation, and no explanation regarding the alleged fraud claim or account closure. I only learned this information by calling the bank myself after the funds were pulled from my account. 
The individual who allegedly filed the fraud claim is now deceased, and the claim appears to be based on inaccurate or outdated information. Despite this, Chase refuses to provide a timeline for review or to confirm when or if the funds will be released. 
I called again on XX/XX/year>, and was informed that the funds may be held from a week to several months, and that there is nothing I can do to expedite the process. I was told the funds are under review with no status updates available. 
On XX/XX/XXXX, a transaction labeled Debit DDA Check Charge removed the balance from the account. Initially, I was told that a check would be sent within 710 days. However, during my XX/XX/XXXX call, I was told no check was ever mailed, and the funds are still in the system. 
I have never received : Any written notice of account closure Any documentation of a fraud investigation Any timeline for review or release of funds Any means of disputing or resolving the issue directly This situation has caused personal financial harm, disrupted my ability to operate my business, and left me unable to access critical business and personal funds. I believe Chases actions are non-transparent, unfair, and may be in violation of consumer protection laws. 

I am requesting the CFPB to : Investigate and ensure the immediate release of my funds Obtain a formal written explanation of Chase Banks actions Hold the bank accountable for failure to notify, provide due process, or offer resolution Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mortgage Research Center, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX to request a Loan Estimate ( LE ), which I am legally entitled to receive under federal law. After a numbers summary was texted to me ( showing a rate of 6.625 % for a $ XXXX purchase ), I asked via text for a full Loan Estimate to be emailed. 

Shortly afterward, I was called by a representative named XXXX XXXX, who became defensive and hung up on me when I pressed for the LE to be sent by email. He falsely claimed it could not be sent and that nothing could be done about the interest rate, which is misleading and contradicts market realityI was offered a much lower rate from XXXX XXXX. 

After the call, I responded via text stating I did not want to be contacted further and that I intended to shop around with other lenders. In reply, they stated they would remove my file from the systemeffectively closing my account after I requested a legally required disclosure. 

I have a screenshot of the entire text message exchange, which clearly shows I was calm, respectful, and simply requested a loan estimate. I believe this company intentionally withheld documentation, retaliated by closing my account, and acted in violation of lending disclosure requirements.

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 2025-07-22 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: NE

Complaint narrative:
I am disputing fraudulent accounts that are showing negative on my report. XXXX XXXX they are accusing me of owing {$700.00}. I have requested a contract but nothing was given for proof. Also XXXX is claiming an account and balance of {$6200.00}. They are not providing proof of contract of the amount that I owe to match what they are accusing me of. Under the FCRA I am demanding these fraudulent charges to b removed from m account. Also I have names that are not mine. Please remove the following names, they are not mine. XXXX XXXX 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 2025-07-22 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: KS

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XX/XX/year>, {$4300.00}, XXXX XXXX XXXX XX/XX/year> {$8600.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-07-22 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:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.

As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question. 
In light of these regulations, I must highlight that XXXX XXXX XX/XX/year>, {$4300.00}, XXXX XXXX XXXX XX/XX/year> {$8600.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am submitting this form of dispute under Metro Two Compliance Standards and 15-USC-1681 I , the credit bureaus are required to ensure that complete and accurate reporting under CDIAS Guidelines.

I am not requesting a standard dispute but rather a Metro II Compliance based investigation.

I want the credit bureau to demonstrate full adherence to e-OSCAR reporting codes and federal data accuracy obligation.

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