vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TN

Complaint narrative:
I am writing to formal dispute the repossession of a vehicle that occurred on XX/XX/XXXX, and to request a thorough investigation into this matter. The details on dispute are outlined below : Account Information : Account Number : XXXX Vehicle/Property : XXXX XXXX XXXX XXXXXXXX Details : 1. Lack of Proper Notice : Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable state laws, I am entitled to receive a written notice of default and repossession before any action is taken. I did not receive such notice as required. 
Please provide documentation proving that proper notice was sent and received. 
2. Improper Repossession Procedures : The repossession was carried out without adherence to the required procedures. Specifically, [ describe any procedural errors, such as failure to provide adequate notice, repossession during prohibited times, or lack of proper documentation ]. According to the Uniform Commercial Code ( UCC ) and state repossession laws, these procedures must be strictly followed.

3. Account Status Discrepancies : I have reviewed my account statements and believe there may be discrepancies regarding the amount owed and the balance on my account. 
Please provide a detailed breakdown of the account balance, including any fees or charges applied. 
4. Request for Evidence : Please provide evidence of the default and repossession, including all relevant documentation, photographs, or other records related to the repossession. This includes a copy of the repossession order and any communication related to the repossession.

5. Request for Reinstatement or Resolution : In light of the above issues, I request that the repossession be investigated and, if found to be in error, that the vehicle/property be returned to me immediately. If the investigation finds that the repossession was conducted in accordance with the law, please provide a detailed explanation and documentation to support this. 
I expect a response to this dispute within [ reasonable timeframe, e.g., 30 days ] as stipulated under consumer protection laws. Please send all correspondence to the address listed above or to my email at 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 non-monetary relief
Consumer complaint received 2025-11-13 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: NH

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 2025-11-13 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: NC

Complaint narrative:
I am a consumer seeking assistance in correcting inaccurate or unverifiable information being reported on my credit reports by the credit bureaus. The following disputes are separated by bureau for clarity. 


Disputed Accounts : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported as Charged Off. 

I dispute this account as inaccurate. I have never received notice of charge-off, and the balance and status do not reflect my actual payment history. I request verification of the accounts accuracy or removal if unverifiable. 

Inquiries : The following hard inquiries were made without my authorization or any completed credit application : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) I do not recall authorizing these inquiries, nor do I have accounts or applications with these entities. Please remove any unauthorized or unverifiable inquiries. 

Late Payment : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief