vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
I reviewed my credit report and found multiple fraudulent accounts, collections, and inquiries that I did not authorize or open. These include accounts from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and a student loan account from DEPT OF EDXXXX XXXX I also found unauthorized collection entries, including a XXXX collection, and hard inquiries from XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I believe these entries are the result of identity theft following the unauthorized exposure of my personal information in a data breach. The DEPT OF ED/XXXX account may also involve a violation of the Family Educational Rights and Privacy Act ( FERPA ), as my educational records appear to have been disclosed without my consent. I formally disputed these items and am demanding the immediate blocking and permanent deletion of all fraudulent entries under FCRA 605B. These items have severely impacted my credit and were reported without my authorization. You are legally required to block this information within four ( 4 ) business days. Any delay or noncompliance may result in formal legal action for violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rhode Island Housing and Mortgage Finance Corporation
State: RI

Complaint narrative:
Subject : Material Misrepresentation in Servicing Records and IRS Reporting Summary : XXXX XXXX records and disclosures contradict each other regarding whether the VA Funding Fee was paid at closing or financed. They also reported false information on IRS Form 1098. 

Complaint : XXXX  XXXX has provided false and misleading information in its mortgage servicing records and regulatory disclosures : The Final Closing Disclosure ( Exhibit B ) states that the VA Funding Fee was Paid at Closing, indicating that I, the borrower, paid the fee upfront. 
However, XXXX XXXX internal Funding Sheet ( Exhibit C ) shows the same {$3900.00} VA Funding Fee was " Included in Total Loan Amount, '' meaning it was financed. 
In reality, XXXX  XXXX paid the fee directly via ACH, as confirmed in Exhibit A ( ACH payment record ). 

Despite these internal inconsistencies, XXXX  XXXX submitted IRS Form 1098 ( Exhibit D ) reporting the fee as paid by me, which is false and may lead to inaccurate tax treatment. 

These misrepresentations raise serious concerns about loan transparency, servicing integrity, and tax reporting accuracy. I am concerned about the systemic nature of these discrepancies and the risk of harm to other veteran borrowers. 

Key Supporting Exhibits : Exhibit A ACH Record Showing XXXX XXXX  paid the fee directly Exhibit B Closing Disclosure falsely stating fee was Paid at Closing Exhibit C Internal Funding Sheet stating fee was financed Exhibit D IRS Form 1098 falsely attributing payment to borrower I request that the CFPB investigate XXXX XXXX  disclosures and servicing practices for compliance with federal consumer financial laws and IRS reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an incorrect Address that was added in my EXPERIAN credit report. There should be no other addresses that is in my report aside from XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX for my address. Other addresses that are erroneous should be immediately removed from my credit report. A copy of the updated report should be mailed to my address after the deletion of the following information. INCORRECT ADDRESS : XXXX  XXXX XXXX XXXX, XXXX, FL, 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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-21 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: FL

Complaint narrative:
Today, during my routine credit report check, I saw errors that appeared without warning. I thought it might be a browser issue and tried refreshing, but the inaccurate accounts were still there. Im now asking that the paperwork Ive provided be reviewed closely so I can stop worrying about this recurring problem.

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 2025-07-21 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: KY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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: NC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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 writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I disputed an account reporting a {$30000.00} past due balance on my Equifax credit report. The account is marked as closed, with the last payment showing on XXXX, yet it continues to be reported as past due in full. I submitted multiple disputes requesting a proper investigation and documentation supporting the debt. 

Each time, the item came back verified, but no documentation was provided to me to validate the balance or explain the basis for the reporting. I believe Equifax and the furnisher failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA 611 ). The continued reporting of this inaccurate or unverified account is damaging my credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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: NC

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am reporting a potentially illegal repossession of my vehicle that occurred on XX/XX/year>2025 in XXXX, Florida. The lender that facilitated the repossession is GM Financial. 

The vehicle was taken at night from the front yard of a private residence. A police officer accompanied the repo agent and knocked aggressively and repeatedly on the door at XXXX XXXX, frightening the occupanta woman caring for her XXXX  daughter. 

When the occupant answered the door, both the police and repo agent asked for my whereabouts. The vehicle was parked there with permission but I was not there at the time. The repo agent then said : You can tell him his cars up for repo. 

This disclosure of private loan information to a third party not on the loan violated my privacy and caused emotional distress to the residents. I believe this constitutes : A breach of peace during repossession ( unlawful under Florida law ), A potential violation of the Fair Debt Collection Practices Act, And misuse of law enforcement authority in a civil matter without a court order. 

I would like to add that I spoke with a representative previously and was informed that the vehicle would not be up for repossession unless I was past due by 90 days or more. On XX/XX/XXXX, my account showed 76 days past due with my last payment being XX/XX/XXXX, less than a month from the day of repossession. I have attached a screen shot showing my account is only 80 days past due at the time of submitting this complaint. 

I respectfully request your office investigate and take action against the lender and/or repossession agent for their unlawful conduct. I am also pursuing formal dispute resolution with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I was recently a victim of identify theft about 2-3 months ago for a similar instance, used my personal information to get a phone through tmobile, now it looks like same entity is doing this with XXXX XXXX XXXX now. someone got my name and SSN via a data breach and used it to open a telephone line at XXXX XXXX XXXX suspect used my info to get a XXXX XXXX XXXX phone, in which they ran up {$1700.00} in charges. these charges went to collections and now IC system inc is calling me looking for payment. i immediately notified all 3 credit bureaus and had them put alerts and freezes on my credit report. i noticed upon looking at my credit report that an unknown XXXX address and unknown phone numbers were on my credit report, in which i requested all credit bureaus to remove the incorrect information. i only have 1 valid address in XXXX XXXX NY where I lived for my entire life and only 1 phone number, XXXX, i have been with XXXX for 20 years and have never used another telephone service outside 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 2025-07-21 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-21 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-21 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: VA

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

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