vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Fusion Auto Finance
State: IN

Complaint narrative:
On XX/XX/XXXX, I was pressured into leasing a XXXX XXXX XXXX through Fusion Finance at XXXX XXXX in XXXX, NY, with my sister as co-signer. I was told he could not get a loan and was misled into accepting the lease. Days later, XXXX XXXX XXXX XXXX informed me that I would have qualified for a loan, meaning the lease was not the only option, but by then it was too late. 

In XX/XX/XXXX, Fusion Finance extended the lease even though they were fully aware the vehicle had already exceeded the XXXX cap, with over XXXX miles on the odometer. They did not disclose the financial consequences of continuing the lease, including any estimated charges for over-mileage. Fusion Finance also conducted three hard credit checks at that time, which lowered his credit score. 

Throughout the entire 8-year lease term, Fusion Finance never reported a single payment to any credit bureau . As a result, when I recently applied for an auto loan to trade out of the lease, I was denied by every lender because there was no lease payment history reflected on my credit. This severely damaged my financial standing. 

When I visited a dealership in XXXX, I was shocked to find out that Fusion Finance was charging {$27000.00} in over-mileage fees. I had no prior breakdown of how that number was calculated and were given no meaningful options. In order to avoid the charge, I was forced to lease a XXXX  XXXX XXXX XXXX, again using my sister as a co-signer and borrowing {$4000.00} from her just to meet the down payment requirements. 

This experience has been predatory and financially devastating. Fusion Finance misled me at the start, trapped me in an extended lease with undisclosed penalties, damaged credit scores, and withheld payment reporting, leaving me with no choice but to enter a new lease under pressure. I am requesting an investigation into these practices and appropriate corrective action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
Subject : Formal Dispute Of Inaccurate Student Loan Reporting To whom it may concern, I am formally disputing the inaccurate reporting of Federal student loans on my credit report. the account falsely reflects payments being made for years, despite the fact that I have NEVER made a single payment. this constitutes williful misinterpretation and a violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate information. additionally, per 15 U.S.C 1681b, I am requesting full verification Equifax, Experian, and Transunion have which 100 % make these accounts accurate which makes me responsible for, due to each of them verifying these accounts as accurate. I am requesting the method of verification that was used to verify these accounts, also who did you interview? what did they say? what time did you speak? what date? what number did you call? also I am requesting the original promissory notes with my wet ink signature, a full payment history detailed where these alleged payments originated, and any contracts or agreements authorizing this reporting. Failture to provide these documents confirms that the information is unverifiable and must be removed per 15 U.S.C 1681 i ( a ) ( 5 ). if these accounts " DEPTEDXXXX XXXX  can not be verified with the requested documentation it must be deleted immediately. continued false reporting or payments extends the life of this account beyond legal reporting limits, violating the FCRA. please provide a resolution in writing within the legally required time frame.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX - I accepted a promotional interest rate offer from Citi ( Best Buy ) promising a 6.99 % rate on purchases made until XX/XX/XXXX. 

Offer email does NOT clearly state that balance will be subjected to standard interest rate after promotional period ends. 

Most recent statement shows much higher interest rate of 29.49 % is being applied to the entire balance ( $ XXXX ), including amount from purchases prior to XXXX. 

Offer is very misleading, deceiving, and dishonest. 

I spoke to a customer service agent. It was clear that he was also confused by the offer. He had to put me on hold to check with an account specialist, who naturally told him that the balance is now subject to the higher rate. The agent told me that he had submitted a report indicated that the promotion was confusing & misleading.

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 2025-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
My MrCooper mortgage was handed off to XXXX on XX/XX/XXXX during my bankruptcy. Every month XXXX mortgage is charging me a late charge of {$59.00} because of some unknown missed payment ( s ), they claim, I missed with MrCooper. XXXX tells me that NO payments were missed to them directly. They tell me the missed payment ( s ) were with MRCooper before the handoff of the loan. I have contacted MrCooper multiple times, starting in XX/XX/XXXX, and they have failed to provide my payment activity history, in order to know which month that I failed to make payment ( s ). I would like your help in obtaining f my payment activity or history with MRCooper and to stop late charges with XXXX until this information is provided. I do no show record of any payments missed since I purchased the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AR

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 2025-05-15 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: V and H Portfolio
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding an inaccurate and unresolved collection account being reported on my credit file by Vance & Huffman , LLC. Despite my repeated efforts to dispute this account directly with the furnisher and the credit reporting agencies, the matter remains unresolved.

Details of the Disputed Account : Company reporting : Vance & Huffman, LLC Account number : XXXX Reported amount : {$3500.00} Credit bureaus involved :XX/XX/XXXX Date first reported : XX/XX/year> Nature of the Complaint : XXXX. I submitted a formal dispute to the credit bureaus regarding the accuracy and validity of this debt, per my rights under the Fair Credit Reporting Act ( FCRA ).

2. I also sent a debt validation request to Vance & Huffman , LLC under the Fair Debt Collection Practices Act ( FDCPA ). To date, I have not received sufficient validation of the debt.

3. The collection account continues to appear on my credit reports, causing significant damage to my creditworthiness.

4. This may constitute a violation of both the FDCPA and FCRA, as the debt remains unvalidated yet actively reported.

Resolution Requested : * I respectfully request that the CFPB investigate this matter.

* I ask that Vance & Huffman, LLC provide complete validation of the alleged debt, or that the account be permanently deleted from all credit bureaus. 
* I also request that the credit bureaus involved remove the inaccurate information from my file if it can not be substantiated. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit 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 explanation
Consumer complaint received 2025-05-15 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:
Dear [ Experian / Equifax XXXX TransUnion ] Dispute Department, I am writing to formally dispute the following fraudulent accounts that continue to be reported on my credit file without my authorization or involvement. These accounts do not belong to me and are the direct result of a data breach in which my private information was compromised and unlawfully used. 

The following accounts are not mine and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/Deposit ( Fraudulent use of my banking information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection ( Possibly related to XXXX Ive never authorized or engaged in any transaction with this entity ) I did not authorize, open, or benefit from any of these accounts. You are in direct violation of federal law by continuing to report accounts that I have explicitly disputed and do not belong to me. 

LEGAL BASIS FOR REMOVAL : FCRA 602 ( A ) : Consumer reporting agencies must adopt reasonable procedures to ensure the maximum possible accuracy of the information.

FCRA 611 ( 15 U.S. Code 1681i ) : You are required to conduct a reasonable reinvestigation of any disputed item and delete or correct inaccurate or unverifiable information.

FCRA 605B ( 15 U.S. Code 1681c2 ) : Once notified that the information results from identity theft or unauthorized use, you are required to block the reporting of that information within XXXX business days. 
FCRA 623 ( 15 U.S. Code 1681s2 ) : Data furnishers must not report information they know or have reasonable cause to believe is inaccurate.

You are hereby given 24 hours from the receipt of this notice to delete the fraudulent accounts listed above from my credit report. These accounts are causing undue harm and are preventing me from obtaining necessary approvals and services. 

Important Note : I am not requesting a fraud alert to be placed on my credit file. I have found that fraud alerts often result in automatic denials, and I do not consent to having XXXX added to my report. 

Failure to comply will result in immediate legal action, including complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Office Consideration of civil litigation for willful non-compliance Please confirm via email once the deletions are complete. I expect full compliance without delay. 

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 non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Dear [ Experian / Equifax XXXX TransUnion ] Dispute Department, I am writing to formally dispute the following fraudulent accounts that continue to be reported on my credit file without my authorization or involvement. These accounts do not belong to me and are the direct result of a data breach in which my private information was compromised and unlawfully used. 

The following accounts are not mine and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/Deposit ( Fraudulent use of my banking information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Collection ( Possibly related to XXXX Ive never authorized or engaged in any transaction with this entity ) I did not authorize, open, or benefit from any of these accounts. You are in direct violation of federal law by continuing to report accounts that I have explicitly disputed and do not belong to me. 

LEGAL BASIS FOR REMOVAL : FCRA 602 ( A ) : Consumer reporting agencies must adopt reasonable procedures to ensure the maximum possible accuracy of the information.

FCRA 611 ( 15 U.S. Code 1681i ) : You are required to conduct a reasonable reinvestigation of any disputed item and delete or correct inaccurate or unverifiable information.

FCRA 605B ( 15 U.S. Code 1681c2 ) : Once notified that the information results from identity theft or unauthorized use, you are required to block the reporting of that information within XXXX business days. 
FCRA 623 ( 15 U.S. Code 1681s2 ) : Data furnishers must not report information they know or have reasonable cause to believe is inaccurate.

You are hereby given 24 hours from the receipt of this notice to delete the fraudulent accounts listed above from my credit report. These accounts are causing undue harm and are preventing me from obtaining necessary approvals and services. 

Important Note : I am not requesting a fraud alert to be placed on my credit file. I have found that fraud alerts often result in automatic denials, and I do not consent to having XXXX added to my report. 

Failure to comply will result in immediate legal action, including complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals Office Consideration of civil litigation for willful non-compliance Please confirm via email once the deletions are complete. I expect full compliance without delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-15 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: MI

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