vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: IL

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 2025-08-13 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
Subject : Request for Debt Validation under 15 U.S.C. 1692g Dear XXXX XXXX XXXX, I recently became aware of a collection account that you have placed on my credit report without any prior communication or written notice. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
Account Information : XXXX XXXX, Account Number : XXXX Under 15 USC 1692g. Validation of debts Please delete due to a violation of 15 U.S. Code 1692g - Validation of debts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
In XXXX, 2025 United Wholesale Mortgage ( UWM ) transferred the servicing of my mortgage to a new servicing division, XXXX XXXX. these two companies are now financially connected as well - this is not just a regular transfer of mortgage. 

In XXXX XXXX I was alerted through many credit report monitoring companies I use that my ( excellent ) credit score has dropped significantly ( XXXX points in one case ) due to my mortgage account being reflected as 'closed ' on my credit report. I validated this information directly. 

Today, XXXX XXXX XXXX, I just received another credit report monitoring alert that my score has dropped- again - due to A NEW mortgage being added to my credit report! 

I had not contacted UWM directly as they had a notice that said to give them 60 days to sort out transferring issues, while it had been more than 60 days, I wanted to give them time. Additionally, I had concerns that if I contacted them, they would incorrectly - add my mortgage trade line back to my credit report - causing my score to go down - which is EXACTLY what they did.

This company has now 'significantly ' lowered my credit score from over XXXX in some case to XXXX due to no issue of mine! 

As a credit reporter, they are violating the Fair Credit Reporting Act ( FCRA ) by closing my mature mortgage account incorrectly and then re-adding it ( as if it were new ) incorrectly. 

This is causing me significant harm and risk to my extremely strong credit profile and I request that they correct it immediately and get my credit report back to where it should be. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I got incarcerated and a close not cool Relative took advantage while I was locked up and dont want take accountability

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
On [ insert date bankruptcy was originally deleted ], Experian removed a bankruptcy from my credit report after my prior dispute was resolved in my favor. However, on or about [ insert date of reinsertion ], Experian illegally reinserted this same bankruptcy into my credit file without providing any written notice within the XXXX business days required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA XXXX ( a ) ( XXXX ) ( B ), a consumer reporting agency may not reinsert information previously deleted from a credit file unless it has been certified as complete and accurate by the furnisher, and the consumer must be provided written notice of the reinsertion within XXXX business days. Experian has failed to provide any such notice, certification, or supporting evidence, which is a direct violation of the FCRA. 

In addition, Experian is knowingly reporting a fraudulent collection account on my credit report that I do not owe and never authorized. I have disputed this account, yet Experian continues to report it without providing any proof of its accuracy or legitimacy. This constitutes further violations of : XXXX U.S.C. XXXX ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 

XXXX U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation. 

XXXX XXXX and XXXX guidelines Failure to report with correct compliance condition codes and permissible reporting standards. 

These actions have caused me financial harm, emotional distress, and reputational damage, including [ denials of credit, increased interest rates, or other consequences ]. 


Also Transunion and Equifax are reporting the fraudulent account in which you will find in the dispute letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
On [ insert date bankruptcy was originally deleted ], Experian removed a bankruptcy from my credit report after my prior dispute was resolved in my favor. However, on or about [ insert date of reinsertion ], Experian illegally reinserted this same bankruptcy into my credit file without providing any written notice within the XXXX business days required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA XXXX ( a ) ( XXXX ) ( B ), a consumer reporting agency may not reinsert information previously deleted from a credit file unless it has been certified as complete and accurate by the furnisher, and the consumer must be provided written notice of the reinsertion within XXXX business days. Experian has failed to provide any such notice, certification, or supporting evidence, which is a direct violation of the FCRA. 

In addition, Experian is knowingly reporting a fraudulent collection account on my credit report that I do not owe and never authorized. I have disputed this account, yet Experian continues to report it without providing any proof of its accuracy or legitimacy. This constitutes further violations of : XXXX U.S.C. XXXX ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 

XXXX U.S.C. XXXX ( a ) Failure to conduct a reasonable reinvestigation. 

XXXX XXXX and XXXX guidelines Failure to report with correct compliance condition codes and permissible reporting standards. 

These actions have caused me financial harm, emotional distress, and reputational damage, including [ denials of credit, increased interest rates, or other consequences ]. 


Also Transunion and Equifax are reporting the fraudulent account in which you will find in the dispute letter.

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 2025-08-13 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: SC

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 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
in XXXX XXXX XXXX installed a roof top solar system. The installation caused damage to my homes roof. sagging was noticed in XXXX and leaks began in XXXX during the rain season. XXXX XXXX cancelled the contract in XXXX declaring " force majeure '' and stating " You do not owe any further payments to XXXX. '' XXXX sent the account to collections. 

attached is a copy of the cancellation latter from XXXX, list of events and recent payment history on the account from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have negative reports from the transunion data breach and my information has been hacked and compromised all of it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PNC Bank N.A.
State: MS

Complaint narrative:
I am filing this complaint regarding the unauthorized and inaccurate reporting of my personal information by PNC BANK to XXXX XXXX XXXX or other reporting agency. I did not give permission for my information to be shared or reported, and the information reported is incorrect. 

This reporting has caused me difficulty in attempting to open a bank account and may negatively impact my financial reputation. 

I request that the company investigate this matter, remove any inaccurate or unauthorized reporting, and provide confirmation that my information will no longer be shared without my consent. 

Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CT

Complaint narrative:
To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate Reporting XXXX XXXX XXXX  XXXX Account XXXX XXXX To Whom It May Concern, I am formally disputing the XXXX XXXX XXXX XXXX account ( Account XXXX XXXX ) appearing on my credit file. The account is listed as charged-off/written-off, yet still reflects an outstanding balance without full validation. 

This is inaccurate and unverifiable under 15 U.S.C. 1681e ( b ) and must be removed immediately. Please complete a reinvestigation under 15 U.S.C. 1681i and provide results within 30 days. 

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
To : Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate Reporting XXXX XXXX XXXX  XXXX Account XXXX XXXX To Whom It May Concern, I am formally disputing the XXXX XXXX XXXX XXXX account ( Account XXXX XXXX ) appearing on my credit file. The account is listed as charged-off/written-off, yet still reflects an outstanding balance without full validation. 

This is inaccurate and unverifiable under 15 U.S.C. 1681e ( b ) and must be removed immediately. Please complete a reinvestigation under 15 U.S.C. 1681i and provide results within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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