vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: GLOBAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized and/or inaccurate hard inquiries on my credit report. These inquiries were made without my permission and are negatively impacting my XXXX score and my ability to secure loans and favorable interest rates. On or around XX/XX/XXXX, I obtained copies of my credit reports from XXXX, and discovered hard credit inquiries that I did not authorize. 
I have taken the following steps to resolve this issue directly with the companies and credit bureaus, but it remains unresolved : I contacted these companies that have made the inquiry 's, Unauthorized Hard Inquiries : The following are the specific hard inquiries I am disputing : XXXX. Company Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Company Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Company Name : XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I XXXX have had contact with this company, but I did not provide explicit written or verbal permission for a hard credit inquiry. I only consented to a pre-qualification, which should have been a soft inquiry XXXX. Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA ) XXXX. Company Name : XXXX XXXX XXXX Date of Inquiry : XXXX XX/XX/XXXX Reason for Dispute : " I did not apply for credit or authorize a credit check with this company on or around this date. This is not a permissible purpose under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-18 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: CA

Complaint narrative:
This is a follow-up complaint regarding XXXX continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
This is a follow-up complaint regarding XXXX  continued XXXX of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: AL

Complaint narrative:
I am submitting this dispute regarding the following accounts that I believe have inaccuracies on my credit report. I respectfully request a thorough investigation into these accounts to ensure that the information provided is accurate, complete, and up-to-date. These discrepancies are significantly impacting my XXXX score and my ability to obtain credit. I trust you will resolve these matters promptly and correctly. 

Charged Off Accounts : PRESTIGE FNL Account Number : XXXX Date of Account : XX/XX/year> Balance : {$7700.00} Late Payments : XXXX Account Number : 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 2025-11-18 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: MI

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am disputing the following accounts listed on my credit reports with XXXX XXXX XXXX ), XXXX ( XXXX ), and TransUnion ( XXXX ). These accounts are inaccurate and have not been resolved in accordance with the Fair Credit Reporting Act ( FCRA ). Please find the details of the disputed accounts and inquiries below. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$3200.00} XXXX  XXXX, Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$310.00} Inquiries : 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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
Dear Sir or XXXX Whom It XXXX Concern, On [ XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On [ Enter Date ] your agency sent a letter stating that you had completed your investigation, and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/ ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested.

Below are the items that do not belong to me that you continue to report erroneously. 

XXXX XXXX XXXX XXXX XXXX 

Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information about how you arrived at your conclusion, or else remove these items immediately. 




Instead of addressing the issue in a professional and courteous manner, you have chose to verify accounts.That are not been questioned for verification.But you are being notified a fraud act in courts with the fair debt collection practice act especially when discussing potential fraud. It is also necessary to provide clear and thorough details the matter is resolved properly. Remove XXXX and XXXX  account from the credit report of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
I am filing this complaint because there are multiple inaccurate or unverifiable items being reported by the credit bureaus. I am requesting that the Consumer Financial Protection Bureau assist in ensuring that these accounts are properly investigated, verified, and corrected or deleted if inaccurate. 

Charged-Off Accounts XXXX XXXX XXXX Account # XXXX Reported XX/XX/year> Balance {$6700.00} Dispute : I do not have sufficient evidence that this debt belongs to me. Please provide full account verification, including the original creditor and documentation of the debt. 

Late Payments XXXX XXXX  Account # XXXX XXXXXXXX XXXX Account # XXXX Dispute : I am requesting verification of all reported late payments, including exact dates and supporting records from the original creditor.

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 2025-11-18 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: AK

Complaint narrative:
ATTN : TRANSUNION EQUIFAX XXXX  YOUR FEDERAL TRADED COMPANY IS IN VIOLATION OF NOT REPORTING ACCURATE DATA. 
ACCORDANCE TO TITLE 15 USC 6801 ( XXXX ) PROTECTIONOF NON PUBLIC INFORMATION I NEVER GAVE WRITTEN CONSENT TO HAVE THESE UNAUTHORIZED SPECIAL PURPOSE VEHICLE TRUST ACCOUNTS TO BE FURNISHED ON MY CONSUMER REPORTS. ALSO INACCURATE DATA VIOLATION USC 1681G ( XXXX XXXX XXXX XXXX XXXX XXXX ) disclosures to consumers ALSO INACCURATE DATA VIOLATION USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION AND USC 6803 DISCLOSURES OF INSITUTION PRIVACY POLICY USC 1692G, 1681eb USC 1635 THE INACCURATE ALLEGED ACCOUNTS READS : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. PLEASE REMOVE INACCURATE ALLEGED ACCTS FROM MY CONSUMER REPORTS. THIS A CLEAR VIOLATION FCRA XXXX XXXX XXXX. THIS FRAUD USC 1028 AGGRAVATED IDENTIY THEFT, XXXX XXXX, INACCURATE DELETE THANKS SIR 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 2025-11-18 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: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Account XXXX. : XXXX I am submitting this complaint because TransUnion is reporting inaccurate information regarding the XXXX XXXX account referenced above. I disputed the completeness and accuracy of the payment history, yet TransUnion continues to report information that conflicts with its own payment history records, violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Open Date Does Not Match the Payment History TransUnion reports that the account was opened on XX/XX/XXXX, yet the payment history shows no reporting at all prior to XX/XX/XXXX. 
This discrepancy is impossible, and it violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. 

XXXX. Last Payment Date Is Incorrect TransUnion reports that the last payment was made in XX/XX/XXXX, but the payment history clearly shows the last actual payment was XX/XX/XXXX. 
This is inaccurate, misleading, and violates 607 ( b ) and 611 ( a ) because this error remained after my dispute. 

XXXX. Improper Reinvestigation Although a dispute was submitted, TransUnion marked the account as verified, yet the inaccurate information described above was not corrected. 
This violates : 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) ( A ) failure to delete inaccurate information 607 ( b ) failure to ensure maximum possible accuracy

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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: KS

Complaint narrative:
I own a condo in Pennsylvania & wanted to move to KS. In XX/XX/year> I found a home in KS I wanted to purchase & I ( & my realtor in PA ) were both told by US Bank that I could afford XXXX mortgages on my income. This meant I did not have to sell my condo there before I moved. 

My seller allowed me to move into the home XX/XX/year> prior to our closing on it as we had been told by XXXX XXXX XXXX US Bank ) numerous times that we were almost ready to close- she said they just needed more information from the XXXX, etc & would send them another list of questions. I paid an extra {$230.00} to them to supposedly expedite the process - but nothing has been done expeditiously at allevery week XXXX calls me with another reason why they needed more information & I would be closing hopefully next week. I have some emails between XXXX & I - some mention that she is rushing to get me closed, but the majority of our communications are done verbally over the phone. I have a bank account with US Bank, but no loan number since its all still in limbo. 

Today I received a call from XXXX & was told that I am now approved, but it is contingent on the sale of my home in Pennsylvania. I have never been told that I had to sell my home in PA first - had that been in the terms I would not have moved here in XXXX! ( I am paying the seller rent ) How could they have been telling me that we would be closing if it was contingent? They were not in communication with my realtor in PA so it was not like they thought my condo had sold. ( It was actually just put back on the market today as my son had some repairs & painting done to it ) Now I feel like they have played me - XXXX had me pay extra money & promised we would close .. & so both myself & the seller were banking on that. 

I need help as this is taking a toll on my mental health & I am stressed the seller might decide this wait is not worth it & leave me stranded in KS with no home. I am a single, XXXX XXXX XXXX woman and I appreciate any assistance you can give me.

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 2025-11-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation