vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: NY

Complaint narrative:
XX/XX/XXXX TO : Experian, Equifax, and TransUnion Consumer Dispute Departments Experian XXXX XXXX  XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : FRAUDULENT INQUIRY DISPUTES- IMMEDIATE REMOVAL REQUESTED Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Dear Consumer Dispute Departments, I am writing to formally dispute fraudulent hard inquiries that appear on my credit reports and demand their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
FRAUDULENT INQUIRY DETAILS : - Creditor : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Status : FRAUDULENT - NOT AUTHORIZED - Creditor : XXXX - Inquiry Date : XX/XX/XXXX - Status : FRAUDULENT - NOT AUTHORIZED LEGAL BASIS FOR REMOVAL : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable reinvestigation of disputed information within 30 days. These inquiries are fraudulent because : 1. I did not authorize any of these entities to pull my credit reports on the dates listed 2. I did not apply for any credit products or services with these companies 3. These unauthorized inquiries violate 15 U.S.C. 1681b, which restricts permissible purposes for credit reports DEMAND FOR IMMEDIATE ACTION : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I demand that you : 1. IMMEDIATELY DELETE these fraudulent inquiries from my credit file 2. Provide written confirmation of removal within 5 business days 3. Send updated credit reports to all parties who received reports containing these fraudulent inquiries within the past 6 months ( employment purposes ) or 2 years ( credit purposes ) per 15 U.S.C. 1681i ( d ) NOTICE OF POTENTIAL VIOLATIONS : Failure to remove these fraudulent inquiries may constitute violations of : - 15 U.S.C. 1681e ( b ) - Failure to maintain reasonable procedures- 15 U.S.C. 1681i - Failure to properly investigate disputes- 15 U.S.C. 1681n - Willful noncompliance damages- 15 U.S.C. 1681o - Negligent noncompliance damages I have also filed complaints with the Consumer Financial Protection Bureau regarding these matters. 
REQUIRED RESPONSE : Please provide written confirmation that these fraudulent inquiries have been permanently deleted from my credit file. Send all correspondence to the address listed above. 
I expect your immediate compliance with federal law and prompt resolution of this Matter

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 2025-08-24 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: NY

Complaint narrative:
XX/XX/XXXX TO : Experian, Equifax, and TransUnion Consumer Dispute Departments Experian XXXX XXXX  XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX RE : FRAUDULENT INQUIRY DISPUTES- IMMEDIATE REMOVAL REQUESTED Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Dear Consumer Dispute Departments, I am writing to formally dispute fraudulent hard inquiries that appear on my credit reports and demand their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
FRAUDULENT INQUIRY DETAILS : - Creditor : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Status : FRAUDULENT - NOT AUTHORIZED - Creditor : XXXX - Inquiry Date : XX/XX/XXXX - Status : FRAUDULENT - NOT AUTHORIZED LEGAL BASIS FOR REMOVAL : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable reinvestigation of disputed information within 30 days. These inquiries are fraudulent because : 1. I did not authorize any of these entities to pull my credit reports on the dates listed 2. I did not apply for any credit products or services with these companies 3. These unauthorized inquiries violate 15 U.S.C. 1681b, which restricts permissible purposes for credit reports DEMAND FOR IMMEDIATE ACTION : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I demand that you : 1. IMMEDIATELY DELETE these fraudulent inquiries from my credit file 2. Provide written confirmation of removal within 5 business days 3. Send updated credit reports to all parties who received reports containing these fraudulent inquiries within the past 6 months ( employment purposes ) or 2 years ( credit purposes ) per 15 U.S.C. 1681i ( d ) NOTICE OF POTENTIAL VIOLATIONS : Failure to remove these fraudulent inquiries may constitute violations of : - 15 U.S.C. 1681e ( b ) - Failure to maintain reasonable procedures- 15 U.S.C. 1681i - Failure to properly investigate disputes- 15 U.S.C. 1681n - Willful noncompliance damages- 15 U.S.C. 1681o - Negligent noncompliance damages I have also filed complaints with the Consumer Financial Protection Bureau regarding these matters. 
REQUIRED RESPONSE : Please provide written confirmation that these fraudulent inquiries have been permanently deleted from my credit file. Send all correspondence to the address listed above. 
I expect your immediate compliance with federal law and prompt resolution of this Matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-24 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: Experian Information Solutions Inc.
State: SC

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

Company 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 2025-08-24 00:00:00
Product: Mortgage — Manufactured home loan
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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage has went up during my XXXX  XXXX. I was told all my principal & interest was tack on. I was told to get an accountant. From the documents you can see how my mortgage have jumped with no real explanation.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened 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 explanation
Consumer complaint received 2025-08-24 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:
There are 3 accounts that have been sent to a collection agency one open recently as XX/XX/XXXX accounts number ( XXXX ) this is not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-24 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
There are 3 accounts that have been sent to a collection agency one open recently as XX/XX/XXXX accounts number ( XXXX ) this is not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I am reporting fraudulent account found in my credit report. XXXXXXXX XXXX Opened XX/XX/year>. Pleace remove from my credit report.Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
I am reporting fraudulent account found in my credit report. XXXXXXXX XXXX Opened XX/XX/year>. Pleace remove from my credit report.Thank You

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 2025-08-24 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: CA

Complaint narrative:
I am reporting fraudulent account found in my credit report. XXXXXXXX XXXX Opened XX/XX/year>. Pleace remove from my credit report.Thank You

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 2025-08-25 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I disputed everything that I seen on my credit report that was inaccurate or in correct regarding inaccurate credit reporting my credit file despite my previous disputes, the accounts in question continue to be verified as accurate. I want to make it clear that : - I did not apply for or authorize the accounts reported under my name. 
- These accounts are the result of fraud/identity theft and do not belong to me. 
- By law, under the Fair Credit Reporting Act ( FCRA ) 609 and 611, I have the right to request a full investigation and verification of any disputed account. To date date, I have not been provided with proper documentation proving I opened or authorized these accounts. A simple response of verified without supplying original application records, signature cards, or IP logs is not sufficient under federal 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 2025-08-24 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XX/XX/scrub>XXXX XXXX XXXX XX/XX/year>

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 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: MD

Complaint narrative:
I disputed this account and requested validation from XXXX XXXX XXXX ( Discovers outside counsel ) on XX/XX/XXXX and XX/XX/year>. Despite this, XXXX accepted a payment on XX/XX/XXXX before providing validation, violating FDCPA. Discover then reported only that the account is disputed to the credit bureaus, but failed to correct it to reflect that the debt is uncollectible and effectively settled by XXXX unlawful collection activity. Discover also misled me by implying XXXX XXXX owned the account and by failing to notify me in writing that the account had been placed with outside counsel. 

Prior CFPB complaints : Discover : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This complaint is not a duplicate of prior filings. It concerns Chase Banks continued furnishing of false information that misrepresents fully paid accounts as if I still owe balances. This constitutes unlawful collection activity and misrepresentation of debt. 

On XX/XX/XXXX, I paid in full three Chase Bank credit card accounts ( # XXXX, # XXXX, # XXXX ) through a refinance payoff. Despite this, Chase continues to report these accounts to XXXX XXXX XXXX XXXX as charge-offs with XXXX last payment and status update dates. This creates the false impression that I defaulted again in XXXX and still owe money, when Chase has been fully paid. 

Violations : FDCPA 1692e Prohibits false, deceptive, or misleading representations in connection with debt collection. Reporting a paid account as a new charge-off misrepresents the status of the debt. 
FCRA 605 ( c ) The reporting period must run from the original Date of First Delinquency ( DOFD ). Chase unlawfully re-aged these accounts by furnishing XX/XX/XXXX as a new last payment/status update. 
FCRA 1681s-2 ( b ) Furnishers must investigate and correct after notice. Chase failed to correct despite receiving multiple disputes.

FCRA 1681e ( b ) Credit reporting must be accurate. Furnishing paid accounts as XXXX charge-offs is materially false. 
XXXX XXXX Standards Paid/closed charge-offs must be coded Paid/Closed {$0.00} balance, not re-aged as new derogatory events. 

Case law confirms this conduct is unlawful : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Liability exists for technically accurate but materially misleading reporting. 
XXXX v. XXXXXXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Furnishers must ensure accuracy when verifying disputes. 
XXXX v. XXXX XXXX XXXX. ( XXXX XXXX XXXXXXXX ) Accuracy requires avoiding misleading impressions, not just factual correctness. 

Harm : By reporting these tradelines as XXXX charge-offs, Chase is misrepresenting me as owing balances I do not owe. This damages my credit profile and has the same effect as unlawful collection pressure. It also affects my ability to refinance my mortgage within six months, raising my interest rate by 0.51.0 % ( {$25000.00} {$50000.00} in added costs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On [ date of first disputes ], I mailed dispute letters directly to the credit reporting agencies and the companies involved regarding multiple inaccurate and unverifiable accounts appearing on my consumer file. Despite my timely and proper submission, no deletions or corrections were made. I then obtained my full consumer disclosure file to review what data was being maintained. 

After reviewing the file, I noted several issues : A bankruptcy record continues to report under inconsistent dates ( Reported XX/XX/XXXX vs. Verified XX/XX/XXXX ) without providing a certified copy of the full bankruptcy petition or discharge order with my name, wet-ink signature, and official filings. 

Education loans are being misclassified, with one account incorrectly reporting as a revolving/high credit limit loan rather than as a student loan. This misclassification negatively impacts my credit profile. 

Duplicate or inconsistent reporting persists across bureaus, despite my request for deletion in the first dispute round. 

On XX/XX/XXXX, I filed complaints with the CFPB requesting that unverifiable or inaccurately reported data be blocked and deleted as required under FCRA 611. I also requested additional validation, including a physical copy of any Master Promissory Note or signed contract with wet-ink verification, if such documentation exists. 

To date, these requests remain unanswered or inadequately addressed. The agencies and furnishers have continued to report unverifiable information without producing legally required supporting documentation. If these issues are not fully corrected, I intend to move forward with further legal remedies, including invoicing for damages and filing suit in court.

This is my second formal round of disputes and complaints. I am requesting : Full validation with certified supporting documentation for each account, including bankruptcy filings and promissory notes.

Immediate deletion of any unverifiable, misclassified, or duplicate accounts.

A written explanation of the methodology used in the reinvestigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union has Denied me twice for my {$5000.00} that I got scammed for out of my Checking account. Reason for their decision because they saying I authorized the transaction which is true but the phone call came from a Navy Federal Number making think it was them. They never warned or told their customers scammers can actually call from their number acting like an employee. Far as im concerned it could have been an inside job. Its no reason for them denying me my money. I think its the amount. Thats the only my money isnt getting refunded. Its wrong on so many levels. I have proof that the call came from a Navy Number, the XXXX XXXX App they use and fake Debit Card. Any one would have thought its a Navy Federal Employee calling from their number. I will fight for my money til the end. If I have to get a Lawyer thats the route Ill take. Navy Federal always doing people. No matter what they say this was still a scam and they know it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: LA

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

Company 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