vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXXXXXX ] [ XX/XX/year> ]

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 2025-05-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX IQ DATA XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with reciept displaying my signature. If not, please delete this report as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: FM Home Loans, LLC
State: NY

Complaint narrative:
Subject : Formal Complaint Regarding Loan Payment Mismanagement and Escrow Calculation Dear [ Recipient Name/Department ], I am writing to formally address the mismanagement of my mortgage loan payments and escrow calculation, originally serviced by FM Loans and now managed by XXXX XXXX XXXX 

Escrow Calculation Error : In XX/XX/year>, FM Loans raised my monthly payments from approximately {$3800.00} to over {$5000.00} due to an alleged error in escrow calculation for property taxes. I provided documentation of my previous years tax payments, proving their overestimation. Despite submitting this evidence, the payment amount for XXXX remained unchanged, with a promise of reassessment for the following month. 

Loan Transfer Issues : In XXXX, my loan was transferred to XXXX XXXX, leading to significant payment processing complications. FM Loans informed me that they were no longer handling my account, while XXXX XXXX explained their system had not been prepared to accept payments, thereby preventing me from making my XXXX payment. 

Late Payment Reporting : Despite my efforts to correct the overcharge and ensure timely payment, I received a notice after XX/XX/XXXX for a missed payment in XXXX. On XX/XX/XXXX, FM Loans reported this missed payment to credit agencies, disregarding the ongoing transition and unresolved payment adjustment issues. 

Acknowledgment and Resolution Delay : On XX/XX/XXXX, XXXX XXXX informed me that they had just received my loan documentation and noted missed payments for XXXX and XXXX, which still reflected the inflated payment rate of over {$5000.00}. 

Given these discrepancies, I respectfully request the following resolutions :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: EQUIFAX, 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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
as of XX/XX/XXXX, balance on my quick silver account was XXXX balance. on XX/XX/XXXX, the balance was {$42.00} including an interest charge of {$6.00} which was charged at the same time as the {$39.00} annual fee. I called on XX/XX/XXXX to request a waiver of the annual fee but was denied and not offered a different card with a zero annual fee. this was not ethical because I was offered a new card to transfer to on my other XXXX capital one cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: NY

Complaint narrative:
I have a checking account with KeyBank. I had XXXX fraudulent charges for over {$2900.00} in a XXXX hour period this happened on XX/XX/year>. I have given KeyBank proof that these charges are not mine yet they still havent returned the money. In fact, they denied the investigation until I was insistent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Two Problems : ONE : The Trump regime 's DOGE accessed student loan data at the DOE and violated my FERPA right to privacy, pursuant to 20 U.S.C. 1232g and related federal privacy protections. 

XXXX : XXXX : XXXX Virginia XXXX XXXX XXXX : XXXX XXXX XXXX Now Has Access to Student Loan Data : How to Stay Protected Debt.org https : XXXX XXXX : An account with my name on XXXX has no signed Master Promissory Note ( MPN ) is linked or available. The absence of a signed promissory note calls into question the existence of a legally binding obligation and casts doubt on the legitimacy of MOHELAs right to collect this alleged debt. MOHELA has also failed to provide :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 am writing to formally dispute multiple unauthorized credit inquiries that have appeared on my credit report. I did not authorize these companies or institutions to access my credit file, and I have not applied for new credit accounts or services that would justify these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries may only be made with my explicit consent or for a permissible purpose. These inquiries violate that right, and I am concerned that my personal information may have been used fraudulently or without proper authorization. 

The following inquiries were not authorized by me : XXXXXXXX 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 I have contacted the credit reporting agency and the companies listed as making the inquiries, but I have not received satisfactory responses or resolution. These inquiries are negatively affecting my credit score, and I am requesting immediate action to remove them and investigate how they were initiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am writing to formally dispute multiple unauthorized credit inquiries that have appeared on my credit report. I did not authorize these companies or institutions to access my credit file, and I have not applied for new credit accounts or services that would justify these inquiries. 

Under the Fair Credit Reporting Act ( FCRA ), credit inquiries may only be made with my explicit consent or for a permissible purpose. These inquiries violate that right, and I am concerned that my personal information may have been used fraudulently or without proper authorization. 

The following inquiries were not authorized by me : XXXXXXXX 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 I have contacted the credit reporting agency and the companies listed as making the inquiries, but I have not received satisfactory responses or resolution. These inquiries are negatively affecting my credit score, and I am requesting immediate action to remove them and investigate how they were initiated.

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 2025-05-16 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-16 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: NY

Complaint narrative:
I reviewed my Consumer Report and noticed that I had late payments on an accounts that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was never late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: MO

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-05-16 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: NY

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC for willfully and negligently violating multiple federal consumer protection laws by inaccurately reporting a XXXX  XXXX XXXX account, No. XXXX on my credit report. 

Despite the account showing no payment activity since XX/XX/XXXX, TransUnion continues to report the account with a balance of {$3000.00} and repeated monthly " Charge-Off '' ( CO ) notations from XXXX to XXXX. This reporting is not only factually inaccurate but also legally noncompliant for the following reasons : Violations Identified : 1. Metro 2 Violation : o Multiple monthly Charge-Off notations violate Metro 2 guidelines, which allow only a single CO status per account. This practice artificially inflates derogatory reporting and is misleading.

2. Illegal Re-Aging FCRA 605 ( a ) ( 4 ) : o The account is being reported beyond the 7-year limit from the Date of First Delinquency ( DOFD ), which occurred in XXXX. This is considered illegal re-aging. 
XXXX. Failure to Conduct Reasonable Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) : o My dispute requested a manual reinvestigation and documentation of the method of verification. TransUnion failed to provide sufficient details and seemingly relied on automated systems ( e-OSCAR ).

4. Inaccurate and Outdated Information FCRA 607 ( b ), 603 ( d ) ( 1 ) ( A ) : o Reporting the same unchanged balance and status for over six years without payment activity shows negligence and violates the FCRAs accuracy requirements.

5. Violation of the GLBA 6801 ( b ) : o Retaining and displaying damaging financial data without proper verification or purpose is a violation of consumer privacy protections under the Gramm-Leach-Bliley Act.

6. UDAAP 12 U.S.C. 5531 : o The repeated harm caused to my credit standing from continued CO entries constitutes unfair and abusive practices, which consumers can not reasonably avoid.

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 2025-05-16 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have told them multiple times to stop reaching out to me, they continue to call from multiple numbers before XXXX and after XXXX eastern time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
Upon reviewing the merchants evidence, I must respectfully disagree with your conclusion. The merchant not only lied to Chime stating that the package was shipped. Yet, the screenshots and tracking number XXXX shows that a shipping label was created, but the package was never scanned or shipped by the carrier. Feel free to check XXXX yourself. Simply generating a shipping label does not prove delivery, nor does it fulfill the merchants obligation to provide the product.

Per Regulation E and Visa/Mastercard chargeback rules, delivery must be confirmed with valid tracking and shipping confirmation, not just a label.

I am requesting that this dispute be reopened or escalated for further review, as the denial appears to have been made on incomplete or misleading evidence. On top of that, when contacting Chime on XX/XX/year>, I was told by their team member that the dispute was ruled in my favor with the evidence i provided. I even have text message proof from the merchant that she never sent out the package. Chime failed to investigate and track the package and just taking the word from the seller. This is unacceptable. 

Thank you for your attention to this matter. I look forward to your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am writing to address serious issues on my credit report involving inaccurate personal information and accounts that do not belong to me. These errors appear to be the result of identity theft, and I have already taken the necessary steps by filing an FTC identity theft report, as advised by TransUnion. Despite submitting that report, these fraudulent accounts are still on my file. I want to be very clear, I did not open or authorize these accounts. They are not mine, and they are damaging both my credit and my peace of mind.

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 2025-05-16 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: NC

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

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 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