vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 non-monetary relief
Consumer complaint received 2025-07-18 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: Cascade Capital, LLC
State: TX

Complaint narrative:
I have disputed an attempt to collect medical debt several times with XXXX. They still allow it to be placed on my credit report once again after deletion from dispute. As of XXXX XXXX, they verified a collection from XXXX XXXX XXXX. The compliance agency admitted to CFPB this debt was not verified. I know this has been resolved by my previous insurer and XXXX XXXXXXXX XXXX XXXX ( original creditor ) as I've spoken to them both. XXXX XXXXXXXX XXXX verified Cascade was notified XX/XX/year> that it should've been removed from collection and that cease & desist notifications were sent out as well. Yet, somehow XXXX  has verified this twice with XXXX XXXX XXXX. They have failed to protect my credit several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
Bankruptcy : XXXX XXXX XXXX XXXXXXXX.

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 2025-07-18 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: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I was unaware of these requests, which seem unauthorized and potentially fraudulent. Please conduct an investigation and resolve this issue quickly. Documentation is enclosed.

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 2025-07-18 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate 30-day late payment currently being reported on the following open mortgage account : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is otherwise in good standing and reflects a consistent, timely payment history. The reported 30-day delinquency appears to be a clear reporting errorpotentially the result of a misapplied payment, a billing cycle discrepancy, or administrative misprocessing. 

Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 623 ( a ) ( 1 ) ( A ), data furnishers are legally obligated to report accurate information and to promptly correct any information found to be incomplete or erroneous. As of this date, no original billing statement or substantiating documentation has been provided to verify that this alleged late payment was properly billed, posted, and applied according to standard mortgage servicing timelines. 

Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I retain the legal right to dispute billing errorsparticularly those that negatively impact my creditworthiness. This includes any late payment not supported by verifiable, contemporaneous billing records. 

Because this derogatory mark can not be independently validated through proper documentation, I am demanding immediate correction of the reporting. The payment history must be updated to reflect Paid As Agreed or Paying As Agreed.

Please conduct a full reinvestigation as required under FCRA 611 ( a ) and provide written confirmation of the correction within the 30-day statutory window. 

I expect this matter to be handled with urgency and compliance. Thank you for your immediate attention.

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 2025-07-18 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:
I am writing to formally dispute several inaccurate, outdated, or unverifiable items currently listed on my credit reports with TransUnion, Experian, and Equifax. These inaccuracies are having a significant negative impact on my creditworthiness and do not reflect the true status of my credit history.

After carefully reviewing my reports, I identified the following issues : Charge-Off Accounts reported without sufficient validation or proper documentation, some with conflicting data across the bureaus.

Collection Accounts that are either unrecognized, improperly validated, or duplicated across different credit files.

Late Payments that continue to be reported even though the accounts have been paid, settled, or brought current.

Unauthorized Inquiries that I did not initiate or authorize, which violate my consumer rights. 

Dispute Notations such as dispute resolved consumer disagrees without providing any supporting documentation or resolution. 

I have previously attempted to resolve these issues directly through standard dispute channels. However, no adequate validation or correction has been provided in compliance with the Fair Credit Reporting Act ( FCRA ). As such, I am now formally requesting a thorough reinvestigation and removal of all unverifiable and inaccurate items. 

Please find enclosed any relevant supporting documents to aid your review. I respectfully request written confirmation detailing the outcome of your investigation and any actions taken. 

Thank you for your prompt attention to this matter. I look forward to a fair and timely resolution in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The presence of the inaccuracy due to Experian Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Experian has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Experian compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX. Account # XXXX. Balance {$320.00} Opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX. Balance {$320.00}. Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Account # XXXX. Balance : {$410.00}. Opened XX/XX/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 2025-07-18 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: Experian Information Solutions Inc.
State: MD

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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally file a complaint against Equifax, TransUnion, and Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation and resolution of disputed inaccuracies on my credit report. 

On XX/XX/year>2025, I mailed written dispute letters to all three credit bureaus ( Equifax, TransUnion, and Experian ), clearly identifying multiple inaccurate and unverifiable items on my credit file. According to the FCRA ( 15 U.S. Code 1681i ), the credit reporting agencies are required to investigate and respond to disputes within 30 calendar days of receiving the request.

As of the date of this complaint ( more than 30 days later ), I have not received any formal response or resolution from Equifax, TransUnion, or Experian. Their failure to respond constitutes non-compliance with the FCRA, specifically : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute.

This delay is not only unacceptable but also violates my consumer rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to enforce compliance and hold these agencies accountable.

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 2025-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I contacted Santander XXXX  USA on Monday XX/XX/year>XXXX  to request a voluntary repossession of my vehicle. The representative told me I needed to include the co-signer in the call. The co-signer is my ex-partner, who has a history of XXXX XXXX XXXX XXXX  I was forced to contact him to proceed. 

During that call, the Santander agent disconnected, but I was told days later that the process was never completed and Im now being asked to pay. I feel this is unfair and deceptive. I followed their process and cooperated despite the danger to my emotional and physical safety. 

I am requesting that Santander stop pursuing further payment and move forward with the repossession I initiated. I am also requesting that I not be forced to involve my abuser in any future communication. 

I am willing to provide call logs or any other proof needed. Please help protect me from further harassment and unsafe conditions. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: MD

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 explanation
Consumer complaint received 2025-07-18 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 have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dispute of Unauthorized Credit Inquiries under FCRA 15 USC XXXX ( b ) To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries appearing on my credit report. These inquiries do not have a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC XXXXb, and therefore should be removed immediately in accordance with 15 USC XXXX ( b ). 



The inquiries in question are as follows : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> I did not authorize these entities to access my credit report, nor did I initiate any transaction or provide consent for these inquiries. Under the FCRA, consumer reporting agencies are prohibited from including obsolete or unauthorized information on credit reports. 



Please investigate and remove these inquiries promptly. I request written confirmation of the resolution of this matter. Additionally, I ask that you provide the name and contact information of the entities that initiated the inquiries, as this information will assist me in protecting my credit and identity. 



Attached are copies of my identification and a copy of my credit report highlighting the unauthorized inquiries for your reference. 



I trust this matter will be resolved promptly. Please confirm receipt of this and provide an update within the statutory XXXXday period. 



Thank you for your attention to this urgent matter. 



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 2025-07-18 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: TN

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year> The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and must be deleted immediately : XXXX XXXX  ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX * * XXXX XXXX ACCTXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCT XXXXXXXX XXXX XXXX XXXX XXXX  Upon review, I found multiple inaccuracies and unverifiable entries. Under the Fair Credit Reporting Act ( FCRA ) : - 15 USC 1681e ( b ) : CRAs must ensure maximum possible accuracy.

- 15 USC 1681i ( 5 ) : Inaccurate/incomplete data must be promptly deleted or corrected.

- 15 USC 1681s-2 : Data furnishers can not report info they know ( or should know ) is false.

These unauthorized, fraudulent, or closed accounts are harming my credit profile and violating my rights.

I demand the removal of all closed accounts that report negative history, unverifiable data, or outdated information.

These no longer serve a valid purpose in creditworthiness evaluation.

Failure to respond within a reasonable timeframe will result in complaints to the FTC, State Attorney General, and possible legal action under FCRA and FDCPA.

Please process this dispute and send me an updated copy of my credit file.

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 2025-07-18 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: NC

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT AND HARD INQUIRIES from my credit report. 
ACCOUNT : XXXX XXXX XXXX acct 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