vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, XXXX  continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out. 

The fair and lawful resolution to this issue is the immediate and permanent removal of all disputed information that can not be independently verified with original, dated, and reliable documentation. If the data furnishers and credit bureaus are unable to produce legitimate evidence proving the accuracy of these entries, then they have no legal right to report them under the Fair Credit Reporting Act. As outlined in 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), any data that is inaccurate, incomplete, or unverifiable must be deleted from the consumers credit file. I expect every disputed item to undergo a real reinvestigationnot an automated formalityand any entry that fails to meet the FCRAs verification standards must be deleted without delay. I am not asking for a courtesy fix ; I am demanding full legal compliance. My credit report should not be burdened by questionable information that can not be proven. I want this matter resolved swiftly, transparently, and in accordance with 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 non-monetary relief
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), you are obligated to report accurate information regarding consumer identifiers such as Name, Address, Date of Birth, Social Security Number and Phone Number. I have carefully audited my Credit Report and I am now reporting the following inaccurate, misleading, misspelled and incorrect personal information below : Please DELETE these Inaccurate/ Never Before Used Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And All of the Soft pulls from XXXX XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided above and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. 
Thanking you in advance. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

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 4 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 2025-08-27 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: WI

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 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally reported to the credit agencies that my balance is in the amount of {$8700.00} which is incorrect. I spoke with XXXX who stated that my balance was {$8700.00}. There is a lot of inaccurate information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, I went to the XXXX XXXX in XXXX, MA to do required XXXX for a refill of my XXXXXXXX XXXX XXXX XXXX ( I no longer have a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I was asked to enter my insurance information online, I entered XXXX XXXX but there was no option to indicate it was XXXX XXXX XXXX offered through my husband 's employer, XXXX. The system did not recognize the insurance information, apparently, because after several months, I received a bill for the full amount of the XXXX costs, even though the costs were fully covered by insurance. I called XXXX and complained, and provided my correct insurance information, including plan #. I never heard back from XXXX that the bill was cleared up, and instead got another bill a few months later, with a note that it was being submitted to collections. I called XXXX again. I reiterated the same insurance information, and they said that it would be looked into and the Collections would be put on hold. Here we are nearly a year after the initiaXXXX XXXX was done, and I just received a bill from Credit Collection Services XXXX XXXX, MA. I have insurance that fully covers my the costs and XXXX never applied 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 2025-08-27 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: GA

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 explanation
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit report that are causing severe financial, emotional, and reputational harm. The reporting agencies and financial institutions listed below have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) ( duty to ensure maximum possible accuracy ), 1681i ( a ) ( duty to reinvestigate disputed information ), 1681n ( willful noncompliance ), 1681o ( negligent noncompliance ), and 604 ( a ) ( 3 ) ( unauthorized inquiries ). I demand immediate investigation, correction, and removal of these inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Story : I have never resided at this location. Its reporting has caused repeated denials of credit applications and rental agreements. Financial institutions have requested unnecessary documentation to verify a false address. The misreporting is causing measurable stress, delays in obtaining credit, and additional financial burdens. This is a clear violation of 1681e ( b ) and failure to investigate disputes violates 1681i ( a ). I demand immediate deletion and written confirmation. 
XXXX XXXX XXXX, FL XXXX Issue : Wrong Address Story : This address is unrelated to me. Its inclusion misleads lenders and creditors, resulting in repeated verification requests, delayed approvals, and stress. It also negatively affects my creditworthiness by introducing inconsistencies in my credit file. Reporting false addresses violates 1681e ( b ), and failure to correct upon dispute violates 1681i ( a ). Continued reporting may constitute willful noncompliance under 1681n. Immediate removal is required. 
XXXX XX/XX/2025 Issue : Unauthorized Inquiry Story : I did not authorize this inquiry. Its reporting violates 604 ( a ) ( 3 ), which prohibits reporting without permissible purpose, and 1681i ( a ), requiring reinvestigation of disputed items. This inquiry has negatively impacted my credit score, caused delays in loan approvals, and resulted in additional verification requests. Immediate deletion and written confirmation are required, along with investigation into the legitimacy of this inquiry.

Action Requested : I demand immediate investigation and deletion of all inaccurate addresses and unauthorized inquiries listed above. Each inaccuracy is causing real-world financial loss, reputational harm, and emotional distress. Continued reporting of these items may constitute willful or negligent violation of FCRA 1681n/o and may subject the reporting agencies and financial institutions to legal liability and monetary damages. I also demand that any credit decisions influenced by these inaccuracies be corrected and that I am notified of all steps taken to prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Does not belong to 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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
On * * XX/XX/year> * *, I accepted a cash advance from * * Tilt Finance , Inc. * * through their app. The app shows the funds were * * delivered * * to my linked bank account, but * * no deposit has posted * * and * * no pending ACH credit * * exists at my bank.

I immediately contacted Tilt for clarification and have repeatedly requested : - The * * ACH trace number * * for the transaction, - The * * exact date and time * * the funds were released, and - The * * payment processor or network * * used.

Despite multiple follow-ups, Tilt has failed to provide this information. Instead, they sent canned responses, generic screenshots marked transmitted, and irrelevant instructions about using instant transfer next time. None of their responses prove the funds were ever sent.

Meanwhile, Tilts app continues to show a * * repayment due date * * for funds I never received. If Tilt attempts to * * debit my account * * for undelivered funds, this would constitute an * * unauthorized electronic funds transfer * * under * * Regulation E ( 12 CFR 1005 ) * *.

I am requesting that the CFPB require Tilt Finance to : 1. Provide documented proof of when, how, and to where these funds were sent, including the * * ACH trace number * *.

2. Pause any repayment obligations until this matter is resolved.

3. Confirm that no negative credit reporting will occur while this transaction remains in dispute.
im

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC 1621. Thjis collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or momney ; and was succesful in creating some accounts. All is being investigated by the FTC. 

I demand you to remove this account from all XXXX of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report Account : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Have been receiving calls at all hours of the day and night from various numbers in Georgia for the last month. No message was left and return calls are not accepted a the numbers making the calls. I have also received calls from XXXX, a XXXX XXXX, CA number which I believe may be the same company. 

On Monday, XX/XX/year> I received a text from Jefferson Capital Systems , LLC with a return number of XXXX and contact of XXXX XXXX XXXX XXXX XXXX 

The text is directed to a person named " XXXX '', my name is NOT XXXX. I responded by text informing JCS that I am not XXXX and asking that they " Cease and Desist '' contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXXXXXX XXXX  and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These are the fraudulent, inaccurate, and false information ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation