vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: LA

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The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I demand the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or open them. In accordance with USC 1681g, I am requesting their deletion within 15 days. Supporting documentation is enclosed for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payment on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus but the late payment remains without proper validation or documentation. Under 15USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AK

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
CFPB Complaint - Failure to Provide Debt Validation Notice as Required Under FDCPA Subject : Debt Collector Failed to Provide Required Debt Validation Notice Within 5 Days of Initial Contact To Whom It May Concern : I am submitting this complaint regarding a violation of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX XXXX. I was contacted by this debt collector regarding an alleged debt, but I was never sent a written notice of the debt within five ( 5 ) days of the initial communication, as required by 15 U.S.C. 1692g ( a ). Under the FDCPA, a debt collector must provide the consumer with a written notice containing : - The amount of the debt ; - The name of the creditor to whom the debt is owed ; - A statement that unless the consumer disputes the debt within 30 days, it will be assumed valid ; - A statement that if the consumer notifies the debt collector in writing within 30 days that the debt is disputed, the debt collector will obtain verification of the debt and mail it to the consumer ; - A statement that upon written request within the 30-day period, the debt collector will provide the name and address of the original creditor, if different from the current creditor. I have not received any such written notice. This is a clear violation of federal law, and I am requesting that this matter be investigated by the Consumer Financial Protection Bureau ( CFPB ). Request for Relief : - That the debt be removed from all credit reporting agencies due to the violation of FDCPA ; - That the debt collector be held accountable for failing to follow the proper notification procedures ; - That any collection efforts be ceased immediately unless and until a proper validation notice is sent. Attached is any relevant evidence of the communication I received and proof that no validation was done. Please confirm receipt of this complaint and advise me of any further steps. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AL, 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 explanation
Consumer complaint received 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tater Inc.
State: MA

Complaint narrative:
I found a site called LeaseEnd. I put in my license plate and other information, under the impression they were going to explain what my options were at the end of my lease if I chose to purchase the car. Suddenly, I get all of these alerts from my bank that there are numerous hard-inquires on my credit report, all from today at that exact time! This will negatively impact my credit and I had absolutely no idea they were using my information to try to get loans in my name! I texted them and told them to cease and desist immediately, and erase those inquires from my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: MI

Complaint narrative:
On XX/XX/XXXX, I applied for and electronically signed a consumer installment loan agreement with Koda Lending d/b/a Helpful Lending. The loan was effective XX/XX/XXXX, with a final maturity date of XX/XX/XXXX ( though payments end XX/XX/XXXX ). The disclosed terms include an estimated Annual Percentage Rate ( APR ) of 609.54 %, a Finance Charge of {$5800.00}, an Amount Financed of {$1800.00}, and a Total of Payments of {$7700.00} over XXXX payments : {$120.00} on XX/XX/XXXX, followed by XXXX payments of {$440.00} from XX/XX/XXXX to XX/XX/XXXX, and a final payment of {$540.00} on XX/XX/XXXX. I received {$1800.00} in credit but was led to believe this was a straightforward, direct loan from the tribal lender, not a vehicle for third-party monetization. 

The lender fraudulently misrepresented the very nature of the loan agreement, portraying it as a standard transaction while concealing their intent to defraud me and steal my identitymisusing my personal information ( name, Social Security number, bank account, and credit history ) to sell, transfer, assign, and/or securitize the debt and promissory note to third parties for profit. This deception is evident in the agreement 's failure to disclose risks of such transfers, despite allowing assignments " in our sole discretion, '' and aligns with predatory tribal lending schemes where loans are structured for quick resale or pooling into securities, often without borrower awareness. By not warning of these practices, the lender violated the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) through incomplete disclosures, including : No Warning of Securitization or Assignment Risks : No details on how the loan could be sold/transferred/securitized, impacting my rights or leading to demands for repayment after the lender has already profited from third parties. 
Incomplete Prepayment/Rebate Details : States no penalty for early payoff but no rebate calculation method ( e.g., Rule of XXXX ). 
Misrepresentation of Tribal Status : Claims sovereignty to justify excessive rates ( over 600 % APR, far exceeding state usury caps ), masking a potential " rent-a-tribe '' operation for evasion, as seen in CFPB actions against similar lenders for deceptive high-cost loans. 

Pursuant to Uniform Commercial Code ( UCC ) 9-404, I retain rights to assert defenses ( including fraud and misrepresentation ) against any assignee. This fraud has caused financial harm, potential credit damage, and stress, as I'm demanded to repay excessive amounts while the lender may have already monetized the note.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 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: MN

Complaint narrative:
I am writing to dispute the following inaccurate information and items on my credit report. This dispute is made pursuant to the Fair Reporting Act ( FCRA ) 15 U.S.C.

1681i, which grants me the right to dispute information and request that it be verified for accuracy. 



DISPUTE ITEM DETAILS : CREDITOR/AGENCY : XXXX XXXX ACCT XXXX : XXXX Nature of Dispute : This account does not belong to me and is incorrect CREDITOR/AGENCY : XXXX XXXX  XXXX ACCT XXXX XXXX XXXX Nature of Dispute : This account does not belong to me and is incorrect CREDITOR/AGENCY : XXXX XXXX  XXXX ACCT # : XXXX XXXX XXXX : This account does not belong to me and is incorrect To Support my disoute I am including the following : CFPB report, FTC report Please send me a written confirmation of the results of your investigation and an uodated copy of my credit report once the disputed item is resolved. I am also requesting that you notify any third parties who have recieved my credit report within the last six months of any changes made my report as provided under 5 U.S.C. 1681i

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 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I had a lawsuit settlement wired to a discover account over the course of 20 days they let XXXX XXXX XXXX XXXX  take over XXXX from my bank account. I never authorized any transaction nor was I in the state when the transactions took place. after going back and fourth with discover they ruled the dispute not in my favor stating that the merchant has provided proof that I authorized the transactions. reached out to merchant and they state account was created in XXXX and is used from my billing address. In XXXX a police report was filed stating that identity had been stolen. merchant states account had no activity until XXXX when the card started being charged with them. merchant states from XXXX until now same device was used. I've had my XXXX replaced at XXXX  twice since XXXX and just recently 0n the XXXXXXXX XXXX XXXXXXXX gotten a XXXX XXXX  this is real identity theft and the bank is just brushing it off. for a supervisor at the bank to tell me she listened to the calls and its not me yet somehow I still authorized the charges? merchant states information I give them is incorrect and what is said above is all they can say.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-24 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: WI

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AR

Complaint narrative:
There have been multiple unauthorized accesses to my credit report by various companies, which have directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored these inquiries still remain.

This inaction is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-07-24 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXXXXXX XXXX XXXX XXXX XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US Bankruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation