vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XX/XX/XXXX- XX/XX/XXXX - {$1200.00} XXXX XXXX - XX/XX/XXXX - {$31000.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$1100.00} XXXX  - XX/XX/XXXX - {$2600.00} XXXX - XX/XX/XXXX - {$620.00} XXXX - XX/XX/XXXX - {$110.00} XXXX OF XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
XXXX XXXX XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$150.00} XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XX/XX/XXXX- XX/XX/XXXX - {$1200.00} XXXX XXXX - XX/XX/XXXX - {$31000.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX  - XX/XX/XXXX - {$1100.00} XXXX  - XX/XX/XXXX - {$2600.00} XXXX - XX/XX/XXXX - {$620.00} XXXX - XX/XX/XXXX - {$110.00} XXXX OF XXXX - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX OF XXXX - XX/XX/XXXX XXXX OF XXXX - 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 2025-06-03 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:
This letter serves as my final follow-up regarding my ongoing dispute concerning the account listed as XXXX XXXX XXXX ( Ref # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  that continues to be inaccurately reported on my TransUnion credit file. As previously noted, this account is not reported as late with XXXX  and is not being reported at all by XXXX. This stark contrast between the credit bureaus reinforces my concern that the information currently reflected in your records is inaccurate, unverified, and potentially misleading.

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 2025-06-03 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: CA

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX  XXXX XXXX XXXX ( b ) Failure to Maintain Maximum Accuracy The lack of reporting to Experian and Equifax makes it impossible to maintain consistent and accurate credit data across all bureaus. If the account is valid and derogatory, it should be uniformly reportedor not reported at all.

1681i Failure to Reinvestigate ( if disputed ) If this tradeline was disputed across all three bureaus but only updated with TransUnion, Experian and Equifax may have failed in their reinvestigation obligations. 
Account- XXXX XXXX  XXXX XXXX ( b ) Differences in high credit and credit limit values, and last activity dates may affect scoring models and lead to inaccurate assessments.

1681i If any disputes were filed, and errors persist uncorrected across bureaus, the lack of reconciliation suggests a failure to properly reinvestigate. 
LEGAL DEMANDS & GROUNDS FOR DELETION 1. PROOF OF DEBT OWNERSHIP REQUIRED ( 15 U.S.C. 1641 ( g ) ) Under TILA 15 U.S.C. 1641 ( g ), if a debt is sold or transferred, the new owner must provide proper notification and proof of assignment. 
The original creditor has already been paid via securitization and no longer owns this account. 
If no legally admissible proof of ownership is provided, this account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX  XXXX XXXX XXXX ( b ) Failure to Maintain Maximum Accuracy The lack of reporting to Experian and Equifax makes it impossible to maintain consistent and accurate credit data across all bureaus. If the account is valid and derogatory, it should be uniformly reportedor not reported at all.

1681i Failure to Reinvestigate ( if disputed ) If this tradeline was disputed across all three bureaus but only updated with TransUnion, Experian and Equifax may have failed in their reinvestigation obligations. 
Account- XXXX XXXX  XXXX XXXX ( b ) Differences in high credit and credit limit values, and last activity dates may affect scoring models and lead to inaccurate assessments.

1681i If any disputes were filed, and errors persist uncorrected across bureaus, the lack of reconciliation suggests a failure to properly reinvestigate. 
LEGAL DEMANDS & GROUNDS FOR DELETION 1. PROOF OF DEBT OWNERSHIP REQUIRED ( 15 U.S.C. 1641 ( g ) ) Under TILA 15 U.S.C. 1641 ( g ), if a debt is sold or transferred, the new owner must provide proper notification and proof of assignment. 
The original creditor has already been paid via securitization and no longer owns this account. 
If no legally admissible proof of ownership is provided, this account must be deleted immediately.

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 2025-06-03 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
My name is XXXX XXXX. My date is XX/XX/year>. my XXXX XXXX  number is XXXX CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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  These accounts have resulted in several fraudulent XXXX inquiries and XXXX  collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the XXXX fraudulent items. I do not recognize the XXXX accounts, collections, or XXXX  inquiries as reported. The XXXX accounts, collections, and XXXX 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 XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
My name is XXXX XXXX. My date is XX/XX/year>. my XXXX XXXX  number is XXXX CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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  These accounts have resulted in several fraudulent XXXX inquiries and XXXX  collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the XXXX fraudulent items. I do not recognize the XXXX accounts, collections, or XXXX  inquiries as reported. The XXXX accounts, collections, and XXXX 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 XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX 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
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
In the month of XX/XX/XXXX through XX/XX/XXXX, I discovered that multiple accounts were appearing on my credit reports that I do not recognize and did not authorize. These accounts are either inaccurate, unverifiable, or the result of identity theft. I submitted formal disputes to Experian, Equifax, and TransUnion requesting reinvestigation of these accounts under the Fair Credit Reporting Act ( FCRA ). I attached all required documents including a government-issued ID, proof of address, my Social Security card, and a copy of my FTC Identity Theft Report. 

Despite providing sufficient documentation, the credit bureaus have either failed to complete a proper investigation, failed to remove the unverifiable information, or have continued to report these accounts without verifying them with original source documentation. This is a violation of FCRA 1681i and 1681c-2, which require deletion of unverifiable and fraudulent accounts within 30 days ( or 4 business days in the case of identity theft ). 

I am requesting that the CFPB review this matter and ensure the credit bureaus comply with the law by removing any unverifiable or fraudulent information from my reports.

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 2025-06-03 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: NC

Complaint narrative:
In the month of XX/XX/XXXX through XX/XX/XXXX, I discovered that multiple accounts were appearing on my credit reports that I do not recognize and did not authorize. These accounts are either inaccurate, unverifiable, or the result of identity theft. I submitted formal disputes to Experian, Equifax, and TransUnion requesting reinvestigation of these accounts under the Fair Credit Reporting Act ( FCRA ). I attached all required documents including a government-issued ID, proof of address, my Social Security card, and a copy of my FTC Identity Theft Report. 

Despite providing sufficient documentation, the credit bureaus have either failed to complete a proper investigation, failed to remove the unverifiable information, or have continued to report these accounts without verifying them with original source documentation. This is a violation of FCRA 1681i and 1681c-2, which require deletion of unverifiable and fraudulent accounts within 30 days ( or 4 business days in the case of identity theft ). 

I am requesting that the CFPB review this matter and ensure the credit bureaus comply with the law by removing any unverifiable or fraudulent information from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OR

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-03 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: OR

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Fig Tech Inc.
State: TX

Complaint narrative:
I am submitting this complaint to document my attempt to resolve an alleged debt with Fig Loans. I am proposing a settlement of 50 % of the alleged balance of {$120.00}, amounting to {$61.00}, with the condition that upon receipt of this payment, Fig Loans agrees to delete the associated account from all credit reporting agencies. 

I am seeking confirmation from Fig Loans regarding their willingness to accept this settlement offer and to remove the negative tradeline from my credit reports upon payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$600.00} Open Date XX/XX/XXXX XXXX XXXXXXXX Account Number XXXX Balance : {$370.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : $ XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Balance {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$170.00} Open Date XX/XX/XXXX Inquiries XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXXXXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on 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 explanation
Consumer complaint received 2025-06-03 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I was approved for {$2100.00} in XX/XX/year>. Every XXXX weeks they auto deduct payments for the loan. I've paid {$900.00} to date, still owing a balance of {$2000.00} as of today 's date. They are charging me an estimated {$96.00} for monthly statements. Predatory lender....

Company response to consumer: Closed with explanation