vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: VA

Complaint narrative:
I am filing this complaint because my credit report contains multiple unauthorized and unverified hard inquiries that I did not initiate, authorize, or consent to, and which are being reported without a valid permissible purpose in violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681b ( permissible purposes of consumer reports ), 15 U.S.C. 1681s2 ( responsibilities of furnishers ), 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ( prohibition against reporting inquiries for transactions not initiated by the consumer ), and 15 U.S.C. 1681n ( b ) ( liability for obtaining a consumer report under false pretenses ) ; moreover, despite my request for a reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), the credit reporting agency has failed to provide proof of any signed authorization or permissible purpose, allowing these inquiries to continue harming my creditworthiness, increasing my risk of identity theft, and requiring their immediate removal due to the absence of any lawful basis for continued 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 2025-12-26 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: TX

Complaint narrative:
Could you look at this entry? It may be late and flawed.

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 2025-12-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
XXXX I applied for a refinance with Freedom Mortgage. I spoke with loan XXXX XXXX XXXX to refinance my loan XXXX. The information I provided was handled in a timely manner until I received a phone call from XXXX advising he did not submit the loan in timely manner and would need to start process over. No further response from XXXX after this conversation. 
I received a email from XXXX XXXX she would be my customer advocate. Several weeks passed no response. I finally received a response by email. The letter I provided from my retirement pay was not adequate. I responded XXXX told me this letter is adequate since it was less than a year ago and the letter confirms I have lifetime benefits from XXXX XXXX. I did not receive a response from XXXX XXXX until XX/XX/XXXX indicating my retirement letter was not adequate and she would need this information in XXXX hours. I knew this was impossible as it would take up to a week or more to receive. XXXX Mortgage handles retirement benefits for XXXX XXXX and will only send correspondence in this matter by ground mail. I heard nothing from XXXX. I sent an email to XXXX and copied XXXX inquiring about the loan status and provided it would take at least a week to receive the requested information. I asked for XXXX and XXXX to provide their managers name and refund the prepaid appraisal fee I did not receive a reply from XXXX or XXXX. 
Today, I called Freedom Mortgage and spoke with XXXX license number XXXX to close my loan application. Based on lack of communication and no reply 's to my emails. I was told XXXX 's notes indicate she called me on XX/XX/year>. XXXX padded her notes as I did not speak with XXXX or XXXX on XX/XX/year>. I paid {$450.00} for an appraisal. I have not heard from an XXXX and requested the {$450.00} be refunded to my credit card. I also did not get a response regarding my refund. I have been with Freedom Mortgage for over XXXX  years plus. I pay my mortgage on time. The customer service for this company does not meet my expectations of a reliable company. I asked to speak to a XXXX again today and was told I would need to call another department. I am uncertain why all departments do not have a managers list to provide a XXXX to their customer when requested. I would appreciate a prompt investigation in this matter. I do not want Freedom Mortgage customers to experience what I have been through since filing a refinance loan. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I recently reviewed my credit report and notice some inaccurate information on my report. The information as cause me serious damages to my lifestyle, mode of living, Physical, Emotional damages and my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
I recently reviewed my credit report and notice some inaccurate information on my report. The information as cause me serious damages to my lifestyle, mode of living, Physical, Emotional damages and my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX 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 2025-12-26 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: GA

Complaint narrative:
A bankruptcy is being reported on my XXXXTransUnion credit report but the US Bankruptcy Court confirmed they do NOT report this information. XXXX and XXXX can not verify this bankruptcy and have already requested the bureau to delete it. The bureau refuses to remove or verify the source. I am requesting deletion because the bankruptcy is not properly verified according to FCRA sections 609 and 611. 


Bankruptcy - 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 2025-12-26 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: GA

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! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Can you scan this entry? Im worried it might be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Debt appeared out of nowhere and violated federal law 15 USC 1681c-2. It also violated the credit freeze i currently have in place on credit profile due to being a victim of the data breach from XXXX, XXXX, and XXXX. They blatantly broke the laws and admitted that they did through phone conversations. Nothing was ever verified when asked about it, I need all accounts and addresses deleted from all three credit reporting agencies within 4 business days or i will take serious legal action against them for buy, reporting, and selling my personal information without my consent or knowledge.

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 2025-12-26 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:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

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 2025-12-26 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: OH

Complaint narrative:
I have been a victim of multiple data breaches and I have become a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
This account is not mine and was reported inaccurately.

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 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in reference to the alleged debt of {$170.00} that you claim is owed to XXXX. I am formally disputing this debt. 

I am an active-duty member of the United States XXXX XXXX and at the time this debt is alleged to have occurred, I was XXXX. As a servicemember, I am protected under the XXXX XXXX XXXX XXXX ( XXXX ), which provides protections against financial obligations that are improperly assessed, pursued, or enforced while a servicemember is on XXXX XXXX or XXXX. Based on these protections, I do not believe I am legally responsible for this alleged balance. 

I have no knowledge of this debt. I do not recall receiving any billing statements, notices, cancellation warnings, or documentation from XXXX indicating that I owed this amount. Because I was XXXX during the relevant time period, I was not in a position to manage mail or address unexpected financial claims. As a result, I strongly believe this debt is incorrect, the result of an error, or misattributed. 

I am requesting full validation of this alleged debt, including proof that I am legally responsible, a complete explanation of how the amount was calculated, the date the debt was incurred, and any documentation or agreement that clearly shows this obligation belongs to me. Until such validation is provided, I do not believe this debt is valid, nor do I believe I am required to pay it. 

Pursuant to the XXXX and the Fair Debt Collection Practices Act, I am requesting that all collection activity cease until this matter is properly investigated and validated. If you are unable to provide sufficient proof, I expect this account to be closed and removed from your records and from any credit reporting agencies to which it may have been reported.

Please provide all responses in writing only. I am keeping copies of this correspondence for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
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! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On my Venmo card I just opened this card and lost it XX/XX/XXXX but I opened this card to save for my XXXX XXXX  an it tools me so long to get back in my account because the card was in the back of my phone case and I had to get a new phone sign in all my stuff but I have these charges from XXXX  ( I done investigation also its a gaming website and to make a purchase all you need is the card info not the people name address or pin, but I called them told them about the charges they tell me to call my bank ) so when I disputed them with one they keep telling me its like my spending habit which is a lie I dont play or especially pay for anything like games I do make orders from XXXX XXXX Amazon but thats it. I asked for the documentation they used to determine the deny for the dispute they never will send me noting Here are the unauthorized charges on my card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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: WI

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AZ

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS LATE PAYMENT IS FALSE AND SHOULD BE CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The necessary supporting documents are enclosed to substantiate my claim.

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 2025-12-26 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 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Requested information was sent a letter to the wrong address currently they say I owe {$31000.00} the company Im dealing with. I never signed on no paperwork of authorizing to get this loan. They are in FCRA class at where they are being currently sued for change of payments and wrong information on people account. Thats why Im file this dispute. Yes this is the second notice I submitted since this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: WI

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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