vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Hello. In reviewing my credit report for a loan I was applying for, I found that Santander had a 30 day late payment reported to my credit for the month of XX/XX/XXXX and XXXX and XXXX of XXXX. I do not believe this information is accurate and I would like this issue corrected. I am not sure how this happened because I believe I made all of my payments on time. The only thing I can think of is there may have been an issue with me receiving my monthly statements that caused this impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-04 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-04 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: FL

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for violating the Fair Credit Reporting Act ( FCRA ), Section 1681i ( a ) ( 5 ) ( A ), by failing to investigate or correct disputed information within the 30-day period required by law. 

On XX/XX/XXXX, I mailed a second dispute letter to TransUnion identifying multiple inaccurate and unverifiable accounts in my credit file. TransUnion received the dispute and responded on XX/XX/XXXX, but failed to correct or remove the disputed items. 

My updated credit report from XX/XX/XXXX, confirms that the following accounts remain unchanged, despite documented inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent balance and payment history across bureaus Varying opening dates * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Different reported balances and activity dates Conflicting monthly payment amounts * * XXXX. XXXX XXXX * * XXXX Truncated account number appears differently than in other bureaus Discrepant balances and account status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancies in balance, account number, and dates compared to XXXX  These discrepancies are negatively affecting my credit score and financial opportunities. TransUnions failure to take action constitutes a violation of the FCRA. 

In XXXX, TransUnion was also found liable in the Supreme Court case XXXXXXXX XXXX TransUnion for mishandling consumer data and violating the FCRA. Their current conduct reflects a continued disregard for consumer rights and federal law. 

I respectfully request that the CFPB investigate this matter and ensure that TransUnion complies with FCRA requirements.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
I am a former XXXX XXXX XXXX XXXX XXXX. I have supported the company in the past. Particularly during the global settlement with XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ordered their user whose asset was on hold to either accept or reject by the costing of their ballot. This XXXX  XXXX bankruptcy of New York. The XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. The Defendant shortly after the costing of the ballot Earner user received notification for their distribution of digital assets. In the following months I receive a recommendation from my health care XXXX  account to see a XXXX. After my examination a month or few weeks later I received the XXXX  XXXX  from XXXX  XXXX XXXX. After my first request for a settlement Money- Market- Fund was removed from the XXXX  XXXX. These are the following business activities the XXXX  followed. 

XXXX  and XXXX XXXX XXXX  XXXX words recover phrase. 

Verification of my I. D me account. 

Report made to the Department of Safety and Homeland Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed 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 XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Mohela started collection activity after a cosignor stopped paying a loan that lists me as a student borrower. They then sent me loan applications from XXXX  that dont appear relevant to the loans in question. They also sent two sets of terms and conditions and can not provide where the loans were disbursed to. They also said one of the cosigner ( XXXX, my mother ) removed themselves from the loan and then later called me a student borrower and stated i still have that same cosignor on the loan. i have asked them for months for documentation about the loan and they only sent a letter apologizing for not finding one loan but im still required to pay. THen they found it and sent it along with the application for a loan which shows a higher amount then they claim was disbursed. 

They claim that I have paid on the loan in the past and I have never sent them any money from any of my accounts. THen they said someone is logging on to make payments on my behalf. 

I have only had 5 private student loans in my life. And these are not them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint against Westlake Financial Service regarding an auto loan account that is being falsely reported on my credit report as a charge-off. The lender never repossessed or picked up the vehicle, yet they reported the loan as a charge-off, which is both inaccurate and misleading.

Under the Fair Credit Reporting Act ( FCRA ), creditors are legally obligated to report accurate and complete information. Reporting this account as a charge-off, while I still have possession of the vehicle and there has been no lawful repossession or final resolution, constitutes false reporting and is causing serious harm to my credit profile. 
he lender has never collected or repossessed the vehicle, yet reported the account as charged-off. A charge-off typically occurs when a lender declares the debt a loss and writes it off for accounting purposes but in this case, the vehicle has not been returned or retrieved. 

This is a misleading and damaging report, and does not accurately reflect the status of the loan or the possession of the asset. 

I have attempted to resolve this issue directly with the lender, but they have not corrected the information. Therefore, I am requesting the CFPBs assistance to hold the lender accountable for violating my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I NOTICE XXXX XXXX ACCT # XXXX AND XXXX # XXXX WAS OVER 7 YEARS AND STILL BEING REPORTED THAT IS VIOLATIONG MY RIGHTS PERTAINING TO 15 USC 1681B PLEASE DELETE AND XXXX  # XXXX I HAD RECIEVED A 1099 AND YOU ARE STILL REPORTING THIS ACCOUNT IT IS PAST 7 YEARS AND DO TO THE 1099C IT SHOLD BE DELETED PLEASE I WILL ATTACH A LETTER A MY ID

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 2025-06-04 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: NV

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I had over 15 charges from XX/XX/XXXX on my TD bank account from " XXXX '' I did not make these purchases nor did I authorize these purchases. I was on the phone with 2 agents who helped me find all the transactions that were fraud totaling over XXXX XXXX Some of the amounts were, XXXX and many more I disputed them once and TD bank denied. Never got an answer why. I Disputed it again. TD bank denied again saying that because there were no failed attempts on my account and that I have been to XXXX before they were denying it again. I explained yes, I have been to XXXX but under my XXXX transactions has the location I shopped at. None of these transactions have a location and they all the same thing but with different amounts. They started off small then kept increasing it till I finally caught it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 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:
Please refer to the attached documents regarding the national data breach in which I was impacted and is now hindering my ability to obtain credit due to fraudulent inaccurate accounts 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 2025-06-04 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:
This is a follow-up to a previous identity theft claim I submitted under FCRA 605B.

I realized that I accidentally missed listing one more fraudulent account that does not belong to me and should be removed immediately : XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX This account was not opened or authorized by me. I have already submitted an FTC Identity Theft Report, my government ID, and proof of address with the previous claim. Please consider this an additional correction to my original 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 2025-06-04 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: MA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-04 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: LA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2025-06-04 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 writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-06-04 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, your 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 fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in 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 identity theft report filed that details the fraudulent accounts on my 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 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