vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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:
This is a formal complaint and dispute regarding fraudulent and inaccurate information that TransUnion is reporting in my credit file. I invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to conduct a reinvestigation of disputed information and provide the procedures used to verify its accuracy. If you can not verify with proper evidence, you must delete it immediately. I also submit my FTC Identity Theft Report # XXXX ( dated XX/XX/XXXX ). Under 15 U.S.C. 1681c-2, you are required to block and delete all information resulting from identity theft within four ( 4 ) business days of receipt of this notice. Disputed Account XXXX ( Account # XXXX * * * * * * ) * * This account was fraudulently opened and reported. It appears on my TransUnion credit file but does not belong to me. My FTC Identity Theft Report confirms this account as fraudulent Demand : Delete this account immediately as it violates FCRA 623 ( 15 U.S.C. 1681s-2 ) by reporting inaccurate and unverifiable information. Fraudulent Inquiries ( Documented in FTC Report ) The following inquiries must be deleted because they are directly tied to the identity theft : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my authorization, violating FCRA 604 ( 15 U.S.C. 1681b ) regarding permissible purpose. Legal Basis FCRA 611 ( 15 U.S.C. 1681i ) : Requires reasonable reinvestigation of disputed information. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking and removal of information from identity theft within 4 business days. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Requires maximum possible accuracy in reporting. FCRA 604 ( 15 U.S.C. 1681b ) : No permissible purpose for reporting fraudulent accounts or inquiries. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Prohibits reporting inaccurate or unverifiable information. Requested Action I demand that TransUnion : Immediately delete the XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the fraudulent inquiries ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). XXXX all information tied to my FTC Identity Theft Report # XXXX. Provide written confirmation of deletions and corrections within 30 days.

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 2025-10-15 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: VA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
I am working with a debt relief program, XXXX XXXX XXXX XXXX to get my debt paid off and have included everything they would allow me to include. I did everything I was instructed to do after signing documents. On Tuesday XX/XX/XXXX after speaking with a gentleman at the loan company, Regional Finance. And letting himknow I was working with the debt relief program and gave them the name of the company and also the phone number. They have constantly called and will call multiple times back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Equifax you stated that case XXXX you verified accounts Under 15USC 1681 i { A } { 7 } I request all documentation of your verification on accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 days from the date you receive this notice to respond with the requested information please respond through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-15 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I deposited a Cashiers Check from a local credit union in the amount of {$1800.00}. According to Reg CC, cashiers checks are guaranteed funds and not subject to holds if the check is less that {$5500.00}. They placed a 7 day hold on the check. They are also required by Reg CC to make the first {$100.00} available, which they also did not do. I was informed that any paper instrument ( check ) deposited to BOA has a hold placed on it.

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 2025-10-15 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX Department of Education XXXX XXXX student loan accounts is paid in full and closed, yet XXXX continues to send payment emails and report updates to the credit bureaus, including late payments. This is inaccurate and violates the Fair Credit Reporting Act ( FCRA 1681s-2 ), which requires furnishers to report complete and accurate information.

Their continued reporting of a closed, paid account is damaging my credit score and directly causing housing denials and financial harm. Once a loan is paid and closed, XXXX own servicing policy states there should be no further payment activity or late updates reported.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section XXXX ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
I previously refinanced my car with First investors to lower the interest rate and monthly payment. Everything has been good. I fell behind caught myself up. Adhered to my promises to pay until the companys representative decieved me. On XX/XX/XXXX I was in my room getting ready for bed and my car was being repossessed. I jumped up and went outside. Repo man was nice. I give the keys back told him it was a blessing in disguise because the car had been drinking oil and needed a transmission replacement and that was the reason for me falling behind this time. Couldnt make the payments and keep the car payments current. I called and set up promises to pay and stuck to them I believe the first one I said was on XXXX the XXXX and I would be calling in every 2 weeks to ensure a payment was made until I caught up. This is on record. The day after the car got repossessed I called the lender the first rep I spoke to lied and said a call was made on XXXX the XXXX. I kindly asked when because I had no record. And had you called me I wouldve told you that I wouldve made payment that week on Thursday. In a world where deception and lies are becoming the norm Im ashamed to even be affiliated with a company with a rep like that. I have attached my call records. Because of that one lie, I am asking for the company to not deceive anyone by auctioning that car off its worthless unless you fix it. XXXX produced cars with bad engines this was going to happen eventually. I would love the repossession to be erased as I was doing right and the late payments to be removed because I shouldnt be liable for a payment being late when its not in my possession. I believe in the greater good. Do the right thing. I have filed reinstatement papers but why would I put my kids back in the same position of the fear of the car going out on us while driving. Thats been our reality every since the day it started giving us problems. This may be far fetched. But Im asking for common ground. XXXX currently in a rental and if I get that car back because of a manufacturers inability to put a good engine in a car my kids and I are in the same situation.

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 2025-10-15 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: NJ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-15 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-15 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: MD

Complaint narrative:
THIS RECORD DOES NOT REFLECT MY TRUE PAYMENT HISTORY.

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 2025-10-15 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:
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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authroize anyone to furnish such accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
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 Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authroize anyone to furnish such accounts

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 2025-10-15 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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

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 2025-10-15 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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 writing to formally dispute multiple derogatory accounts currently being reported on my credit file. After thoroughly reviewing my credit report, I have identified several accounts that are either inaccurate, unverifiable, outdated, or misleading, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 
These accounts are unjustly damaging my credit profile and misrepresent my financial behavior. Below is a list of the disputed accounts : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXXXXXX XXXX  XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$420.00}

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
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute multiple derogatory accounts currently being reported on my credit file. After thoroughly reviewing my credit report, I have identified several accounts that are either inaccurate, unverifiable, outdated, or misleading, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 
These accounts are unjustly damaging my credit profile and misrepresent my financial behavior. Below is a list of the disputed accounts : XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX {$910.00} XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXXXXXX XXXX  XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO XXXX USC XXXX - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 




XXXX XXXX XXXX ( Original Creditor : XXXX  BILLING / XXXX  AT XXXX ) # XXXX XXXX  XXXX XXXX XX/XX/year> EXP -- - Unauthorized Inquiry XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 non-monetary relief