vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-11 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: SC

Complaint narrative:
TransUnion Unauthorized Inquiries ( XXXX XXXX XXXX XXXX  ) I XXXX XXXX, am physically submitting this formal complaint against TransUnion for reporting unauthorized hard inquiries on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
The inquiries in question are : XXXX  ( XXXX  ) Dated XX/XX/XXXX XXXX XXXX  ( XXXX  ) Dated XX/XX/XXXX These inquiries were not initiated, authorized, or approved by me, and I have no open or closed accounts associated with either of these entities. There is no permissible purpose under FCRA 1681b that would justify these inquiries, as I never applied for credit or services with XXXX or XXXX XXXX XXXX. 
Additionally, FCRA 1681e ( a ) requires credit reporting agencies to maintain strict procedures to ensure inquiries are only made by those with a legitimate and lawful reason. The presence of these inquiries without proper consumer consent is a clear violation. Furthermore, under FCRA 1681i ( a ), I am exercising my right to dispute these records, and under 1681i ( a ) ( 5 ) ( A ), TransUnion must delete any information that can not be verified within 30 days.

Unless TransUnion and the furnishers can provide : Documentation showing that I authorized these inquiries, and Proof of a permissible purpose as defined by law, these inquiries must be immediately removed.

Failure to correct these unverifiable and unauthorized items will be considered willful or negligent noncompliance, and I reserve the right to escalate this matter to the FTC, State Attorney General, and pursue legal action under FCRA 1681n and 1681o for statutory damages.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Perpay, Inc.
State: NC

Complaint narrative:
On XXXX I received a new card which I activated and they increased my owed balance to XXXX which wasnt correct. Then they fixed the balance but my available credit limit is only {$13.00} when prior to activation of the card and them screwing up my balance I had an available credit limit of {$31.00}. I havent been able to use my card in days due to this and they say the escalated it but my available credit limit still is not correct. I made an addiontal payment of {$280.00} and it still isnt correct. On there site it says my balance is {$280.00}, my credit limit is {$600.00} I should have an available credit limit of {$310.00}. They are not being helpful and keep hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX  XXXX  account under an XXXX XXXX XXXX XXXX XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-11 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: PA

Complaint narrative:
I was unaware of these inquiries, which appear to be unauthorized and possibly fraudulent. Please investigate and resolve this issue promptly. Relevant documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-11 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Police Report was issued by the XXXX XXXX Police Department This Account was opened fraudulently I even got locked out of my account because someone put a phone number that isnt mine on the account, put an address Ive never lived at on my account and changed the email .. This apparent Identity Theft being XXXX a violation of FCRA. A company can not legally refuse to close a credit card/loan account that is the result of identity theft I have provided the proper documentation, including a police report and an FTC Identity Theft Report. If XXXXXXXX XXXX  has my new address its only because I called and asked them to investigate and they refused to even with the police report, Passport and proof of my address which violates the FCRA regulations. They also wouldnt have my correct banking information either because I never received anything from the loans that were dispersed to XXXXXXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I am asking for the loans opened in my name in perspective to attending XXXXXXXX XXXX XXXX XXXX XXXX which I never attended be closed and reported to the credit bureaus that it is fraudulent because according to the FCRA this is my right when identity theft occurs and I provide Identity Theft report, which I have the FTC report attached, Proof of Identity which I provided my Passport, and a written statement to close the account which I have done so none of these loans were authorized by me as the time these accounts were opened the address provided could not have been mine because I never received any type of correspondence for either school to even know these accounts existed. No letters no emails. I only knew when I applied for my current school and was looking for my aid amount I could be eligible for. One that I have never lived at. You are practicing illegal acts by violating FCRA policies and not properly investigating but continuing to report to XXXX XXXX XXXX XXXX 

I lost my ID in a DMV a few years ago and since then Ive had to dispute several credit cards, a rental account, and collections which all have been confirmed as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: DE

Complaint narrative:
This is my second formal dispute to TransUnion regarding inaccurate late payment entries on my credit file. My previous dispute was ignored or inadequately addressed. I have now filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

The following accounts are being reported as late without proper notice from the creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ) In each case, I was not notified of any upcoming due dates or late payments. These creditors did not give me a fair chance to resolve or correct the issue before reporting the delinquency, which is both unethical and a violation of the Fair Credit Reporting Act ( FCRA ). 

TransUnion is now in violation of : FCRA 1681e ( b ) Duty to ensure maximum possible accuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report fairly and notify consumers.

FCRA 1681i ( a ) Obligation to reinvestigate disputes and remove unverifiable entries.

I requested proper verification, including documentation showing the creditor provided advance notice before marking the accounts late. This was not done.

If not resolved within 15 business days, I will escalate this matter further with the FTC, state Attorney General, and pursue legal claims under FCRA 616, which allows for up to {$1000.00} per violation, plus actual damages and legal fees.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent out a request to update information on my account, but this information has not been updated. 

This letter serves as a formal request under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) to immediately correct or delete inaccurate and unauthorized information from my consumer file.

Incorrect Name Variations The following name variations do not belong to me and must be permanently removed from my credit and identity records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and legal name is XXXX XXXX. 
Incorrect Addresses Please remove the following addresses, as they are inaccurate and not affiliated with me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employers The following employer entries are also incorrect or misattributed and should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Credit Inquiries Under FCRA 604 ( a ) ( 3 ), a company may only pull a consumer 's credit report for a permissible purpose ( e.g., with written consent or to extend a firm offer of credit ). I did not authorize the following six entities to access my credit file, nor did I receive any goods, services, or offers of credit as a result : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries should be immediately removed as unauthorized under the FCRA. Their presence negatively affects my credit profile and violates my consumer rights. 

Action Requested I formally demand the following : Immediate removal of the listed name variations, addresses, employers, and unauthorized inquiries Written confirmation of these removals within 30 days in accordance with FCRA 611 An updated copy of my consumer report reflecting these corrections Failure to comply may result in the filing of complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as further legal action to protect my identity and credit.

Thank you in advance for your prompt attention to this matter. I look forward to your written confirmation. 
Sincerely, 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 2025-07-11 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:
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 2025-07-11 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 2025-07-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
XXXX XXXX account # XXXX I'm unaware of this dispute and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " certified mail '' with a receipt displaying my signature. If not, please delete the account # XXXX as soon as possible from my report or I will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Despite the balance of my loan decreasing by over {$5000.00} since XXXX, an increase in the amount being applied to principal with each payment, and making my payment as much as a week earlier than I previously paid it, the amount of interest being charged only decreases by less than {$3.00} each month. Given that I am borrowing a lot less money than before, making larger payments, and borrowing that money for a shorter period of time, it makes sense that the interest charged should fall by a few additional dollars every month. When I requested information about how the interest was being calculated, I was told to " multiply my mortgage balance by my interest rate and divide that number by XXXX ''. 

I'm positive that I'm being charged inappropriately and want Lakeview, sub serviced by XXXX, to explain their calculations and prove the they are lawful and accurate.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Someone hacked into my account, deposited fake checks and now Im the one who somehow is suffering for this. Where is the justice for the small people?!?! Instead, I get the message that I now owe XXXX $ for something I didnt even do. All because I befriended someone on social media and trusted them. Dont make my mistakes

Company response to consumer: Closed with explanation