vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Account Pro Collect # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
They repossessed my vehicle without first providing me with a required notice of default or right to cure, violating my states consumer protection laws. After repossession, I was never given a notice of sale or deficiency balance notice which are required under UCC 9-6-11 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the fair credit reporting act ( 15 U.S. code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX  - XXXX Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments.

Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation of the FCRA and FDCPA, and I remind you that any data not independently verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Lakeview Loans, Mr. Cooper bought my mortgage from XXXX. 

My property taxes have been consistently over XXXX XXXXXXXX for multiple years. Mr. Cooper has {$5000.00} as the property tax amount and has not been properly escrowing for this years property taxes. There is absolutely no reason for either Mr. Cooper or XXXX ( the previous provider ) to have XXXX  XXXX as the loan amount. They are going to raise my mortgage now to catch up when they are off by a factor of nearly 100 % as the actual amount I will owe for XXXX  is {$9400.00}. I talked to XXXX XXXX twice, they confirmed they have no documents where XXXX XXXX could have gotten that number. I had multiple people from XXXX XXXX check to confirm. 

I want them to exhaust every resource until I have an explanation as to why their records are so egregiously inaccurate. My child could have kept more accurate records in crayon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I filed a dispute with XXXX  through XXXX XXXX ( Dispute ID : XXXX ). I believe that inaccurate information was reported on my credit file. Despite submitting this dispute, I have not received a clear resolution or explanation from XXXX XXXXhe inaccurate information is negatively affecting my credit. I am requesting that XXXX properly investigate my dispute in compliance with the Fair Credit Reporting Act and provide documentation of their findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: To:\nCredence Resource Management\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Debt Validation under 15 U.S.C.  1692g(b)\nDear Credence Resource Management\nI am writing in response to a [letter/phone call] received from your office\nregarding an alleged debt you claim I owe. This letter is being sent pursuant to\nmy rights under the Fair Debt Collection Practices Act (FDCPA), specifically 15\nU.S.C.  1692g.\nAccount XXXX XXXXPlease note that I am not acknowledging or accepting any liability for this debt. I\nam requesting that you provide the following documentation to validate the debt\nyou claim:\nThe name and address of the original creditor\nA full itemization of the alleged debt, including interest, fees,\npayments, and principal balance\nA copy of the original signed contract or promissory note bearing my\nsignature\nProof that you are legally authorized to collect this debt in my state\nProof of the chain of assignment or ownership if the debt was\npurchased or transferred\nyou must cease all collection activity,\nUntil you provide all of the above, including reporting to credit bureaus. Reporting unverified debt violates the Fair\nCredit Reporting Act (15 U.S.C.  1681s-2).\nBe advised: failure to properly validate this debt or continued reporting/collection\nactivity may result in legal action and a formal complaint filed with the Consumer\nFinancial Protection Bureau (CFPB), the FTC, and my state attorney general.\nPlease respond within 30 days of receipt of this letter.\nSincerely,\XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to report that I am a victim of identity theft. There are several incidents and data exposures that I believe have contributed to this situation : Past Data Breaches : I have been a known victim of at least two major data breaches : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information, including my Social Security Number, may have been exposed in both. 

Lost Wallet ( XXXX ) : In XXXX, while I was a XXXX XXXXtudent, I lost my wallet. Inside were my government-issued ID and Social Security card . Not long after this loss, someone attempted to fraudulently file a tax return using my name and SSN. 

Suspicious Eviction Records : After living at XXXX XXXX XXXX XXXX, XXXX, GA, I moved out in XXXX and began renting from a family member at XXXX XXXX XXXX XXXX, XXXX, GA, where I still reside. I have lease agreements to verify my residence history. 
However, after being denied for a new apartment, I pulled my credit report and was alarmed to find multiple eviction records, none of which I recognize or were filed by any property I have ever leased from. The last legitimate lease in my name was at XXXX XXXX XXXX. 

Fraudulent Accounts : In reviewing my credit report further, I discovered several credit accounts I did not open. These appear to be fraudulent and were likely created without my knowledge or consent. 

Due to the combination of past breaches, loss of personally identifiable information, and ongoing fraudulent activity, I am requesting that this case be investigated as identity theft. 

I am also in the process of filing police reports and contacting the credit bureaus to initiate fraud alerts and freeze my credit. 

Please contact me if additional information is needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am disputing an auto loan account being reported inaccurately on my credit report. The tradeline reflects contradictory balances and inconsistent payment reporting. 
The account shows an opening balance of {$11000.00} and a current balance of {$11000.00}, but also lists a total balance of {$0.00}, which is contradictory and inaccurate. 
On XX/XX/XXXX, payments of {$800.00} and {$420.00} were applied, followed by a payment of {$190.00} on XX/XX/XXXX. Despite these payments, the balance did not decrease proportionately. Instead, interest and charges appear inflated or misapplied. 
Several interest accrual entries are listed as {$0.00}, which do not affect the balance and suggest reporting errors. 
Late charges are reported inconsistently, sometimes {$15.00} ( e.g., XX/XX/XXXX ) and sometimes {$0.00} ( e.g., XX/XX/XXXX ) for similar circumstances. 
The consumer contact number is reported as XXXX, which is invalid and not accurate consumer information. 
The disbursement breakdown does not align with the reported receivables : cash advance {$9700.00}, service contract {$1300.00}, and GAP waiver {$390.00}, which creates confusion about the true financed amount. 

I disputed these issues with the credit bureau, but the information was verified without proper documentation being provided. The inconsistent balances, misapplied payments, and inaccurate account details make the tradeline misleading and harmful to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting Account XXXX / XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of the tradeline appearing on my credit report under account number XXXX, reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This account contains multiple material inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. 
Specific Violations 1. Account number truncated ( XXXX ), violating FCRA 607 ( b ) and Metro 2 Field 24, which requires a full and accurate account identifier.

2

. Contradictory status reported as Open while simultaneously coded as Collection/Charge-off, violating FCRA 607 ( b ) and Metro 2 Condition Codes . 3. Missing Date of First Delinquency ( DOFD ) a direct violation of FCRA 623 ( a ) ( 5 ) and Metro 2 Field 25. 4. Comment Placed For Collection conflicts with reporting across other CRAs,
violating FCRA 611 ( a ) ( 1 ) ( A ).

5. No payment history reported violates Metro 2 Field 23 and makes verification impossible under FCRA 611.

6. No proof of permissible purpose under FCRA 604 ( a ) no evidence this furnisher has lawful authority to 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 non-monetary relief
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against the credit reporting agencies and the following furnishers for serious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. My credit file contains inaccurate, incomplete, and unverifiable information that is causing significant harm to my financial well-being. Despite my efforts to have these errors corrected, they remain on my reports. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} Reported Late Payments Issue : The late payment notations are inaccurate and unverified. I have not received proper validation of these alleged delinquencies. 

XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Reported Late Payments Issue : This account is closed with a {$0.00} balance. Reporting late payments on a {$0.00} balance account is misleading, inaccurate, and damaging. 

XXXX XXXX Reported XX/XX/XXXX Issue : This hard inquiry was conducted without my knowledge or authorization, constituting a violation of FCRA 604 ( a ). 

XXXX XXXX XXXX Reported XX/XX/XXXX Issue : Unauthorized inquiry. I never applied for credit with this company. This violates my right to privacy under FCRA. 

XXXX XXXX XXXX  Inquiry Reported XX/XX/XXXX Issue : Unauthorized inquiry, made without permissible purpose under FCRA. 

Legal Basis : Under FCRA 602 ( A ), I am entitled to fair and accurate credit reporting.

Under FCRA 607 ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report.

Under FCRA 611, I have the right to dispute any item, and furnishers/CRAs are required to conduct a proper investigation. 

Reporting false, outdated, or unverifiable information, as well as allowing unauthorized inquiries, constitutes clear violations of these protections. 

Requested Resolution : I respectfully request that the CFPB investigate these violations and ensure : Immediate deletion of the inaccurate late payment notations from XXXX XXXXXXXX and XXXX XXXXXXXX XXXX XXXX. 

Removal of the unauthorized inquiries ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Written confirmation from the credit reporting agencies and furnishers that these corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$960.00}

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