vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding multiple wrong addresses and unauthorized inquiries that are being reported on my credit file. These errors are inaccurate, misleading, and harmful to my credit standing. 
Wrong Addresses XXXX XXXX XXXX, XXXX, PA, XXXX This is also an erroneous and fraudulent entry. I have never resided at this address, nor given authorization for it to be linked to my consumer report. Reporting agencies are legally obligated under FCRA XXXX ( a ) ( XXXX ) to ensure only verified and accurate addresses are shown. 
Story : Having this wrong address linked to my profile puts me at risk of identity theft. Any fraudulent accounts opened using that address could be falsely tied to me. I have already had to spend time disputing accounts in the past, which caused frustration, stress, and unnecessary financial harm.

Inquiries XXXX XX/XX/year> This hard inquiry was made without my consent or permissible purpose as required under FCRA XXXX. I never authorized this company to access my personal credit report. 
Story : This inquiry has already caused a negative impact on my credit score. When I applied for legitimate credit later, lenders asked about these pulls, and I had to explain something I never authorized. This damages my credibility with lenders and wastes my time. 
Requested Resolution : Immediate removal of all wrong addresses from my credit file. 
Permanent deletion of all unauthorized hard inquiries listed above. 
Written confirmation of the corrections made. 
Failure to address these violations will result in further escalation and legal action for damages under FCRA XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-09-16 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of XXXX U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Experian makes it IMPOSSIBLE to speak to an agent to resolve issues or get assistance. I tried to create an account online but the website said it was unable to verify me and provided options to call or to upload documents. I tried calling, but only get a robot who refuses ( no matter what options are selected ) to connect me to an actual person to resolve whatever issues of verification exist. I also tried to upload documents online, but the process goes in a loop and I am unable to upload documents as well. There does NOT seem to be any process that is able to resolve my problem to get my identity verified and to unlock my account so I can access it and unfreeze my account.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: TX

Complaint narrative:
On or about XX/XX/year> I made a credit card payment to US Bank, I spoke to a XXXX who stated everything was on schedule. I advised the XXXX that the online data suggested I pay {$280.00} on the XXXX and that the automated system stated I was delinquent. The XXXX stated it would " fix itself '' and just charge me {$140.00}. 

On or about XX/XX/year> US Bank overcharged me {$140.00} for a credit card payment. I made contact with US Bank and spoke to a XXXX named " XXXX ''. The conversation was recorded for accuracy. She stated that the US Bank customer service XXXX made a mistake and she could not understand the XXXX did not remedy the issue. She was very concerned that it was their fault. The XXXX stated she would get this take care of and I would receive a " check '' in the mail. I also advised that the automated system stated my account was delinquent. 

On or about XXXXXXXX XXXX Again, I reached out to US bank where the automated system stated I was delinquent on my account and spoke to a XXXX XXXX The XXXX stated I was still in the " waiting '' time to receive my overpaid refund. I requested a XXXX. I spoke to a " XXXX '' who stated USBank failed to take action within their own alloted time and that it was their mistake ( again ) I also advised the supervisor that my account still shows delinquent through their automated system. The supervisor explained how I am not delinquent however I was not satisfied with the system. The supervisor stated she was putting a " rush '' to get my refund out within a day. I advised the supervisor that I was making a complaint to the CFPB and that I have the evidence showing fault on US bank. I am severely concerned that I am not only getting overcharged but also tacked on unverified interest through their system, as well as the amount of time wasted due to their admitted errors. This conversation was also recorded for evidence and support in my complaint. 

I own MANY credit cards but US Bank appears to be the worst unorganized bank to deal with. I can not XXXX how many customers are getting falsly overcharged or manipulated by their Customer service.

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 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Peoples Financial Corp.
State: GA

Complaint narrative:
I am filing a complaint against Peoples Financial Corporation regarding my auto financing account for [ XXXX XXXX XXXX ) When I financed this vehicle, I was presented with a Certificate of Insurance that I was never informed was optional, and which was added to my loan without my consent. This practice appears to violate the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), and constitutes a potentially unfair, deceptive, or abusive practice under the Consumer Financial Protection Act.

As a result, my monthly payments were inflated, and my vehicle was wrongfully repossessed after a single missed payment. I have regained possession of my vehicle, but the unauthorized charges remain.

I request that the CFPB : Investigate Peoples Financial Corporation for potential TILA violations and unauthorized insurance charges.

Assist in correcting my account to remove all unauthorized charges and refund me for the charges in which I've already made.

Ensure that my loan reflects only the agreed-upon financing terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was been approved a credit card on XX/XX/XXXX which was digital and did it in the bank there. The same day I used it in XXXX {$45.00} payment for my DL. Next day when I want to buy my XXXX in XXXX store in XXXX for a denial while paying. Next day morning I called Bank of America, they asked me there was {$1100.00} purchase in XXXX XXXX was that you. I said no it was not me. They blocked my digital card and sent a new card. From there from XXXX till date I keep reporting that it's fraud stuff. Bank of America just denying my request. 

While I contacted XXXX XXXX they said physical card was used. Digital card I got was XXXX, but the purchase that happened in XXXX XXXX is XXXX and it's an physical card. I question bank of America how in 8 days after approval physical card can be used, they just say the fraud department is denying your request. 

XXXX XXXX I do hold a another XXXX card, every cycle I pay and keepy credit history to good level. 

But from the day of this card approval the fraud amount is reflecting. I visited bank directly on XXXX. After again talking to an XXXX they said I will again reconsider. This is XXXX th time I report. 

Claim number : XXXX Bank of America XXXX amount : {$1100.00} I never do this huge amount purchases. 

Please help me in this regard, which would be grateful. 

Thanks 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 monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
A payment plan is on my affirm account and it says the merchant is XXXX already called XXXX to see if there is a pending purchase in the amount that is showing on my affirm account and they said no there is not a purchase for that amount on your purchase history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency XXXX 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX 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 2025-09-16 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-16 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: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-16 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My credit report shows multiple hard inquiries from various lenders and auto dealerships ( listed below ) between XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries, I have no active applications with these creditors, and I have provided a police report indicating identity theft. 
I am requesting that these hard inquiries be removed from all three credit bureaus ( XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Navy Federal Credit Union XXXX Navy FCU ) Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX Navy FCU XXXX XXXX, XXXX Navy FCU XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
BOUNCE AI INC is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Carrington Mortgage recieved my account in XXXX of XXXX, I made EVERY payment. NEVER MISSED A PAYMENT. Apparently, upon looking at the paperwork when they received the account from the original account holders, it came over with a balance of XXXX month mortgage but we have never missed a payment from that mortgage company. Carrington stated that in XXXX of XXXX a payment was sent back to the bank ( and it was but my daughter sent it RIGHT BACK OUT IMMEDIATELY ) then when we attempted to make the monthly payments we were not able to do so because they turned access off to the portal and we have not been able to use it since then. They have refused to take the mortgage payments since then until we make the FULL AMOUNT OF THE ACCOUNT PAID IN FULL of all the fee 's. They have now asked for bank statements going all the way back to XXXX to before they received the account from the previous account holder to show proof and have stated they were going to send a copy of payment history to the house but we HAVE NOT SEEN THAT. My daughter has sent out by certified mail a letter disputing their claim and requesting proof of this, also refuses to do the LEG WORK For them. I KNOW MY DAUGHTER HAS PAID THE MORTGAGE PAYMENT EACH MONTH AND THEY WILL NEED TO DO THE LEG WORK TO PROVE ALL OF IT. THEY PICKED THE WRONG WOMAN ( MY DAUGHTER ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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