vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NC

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 : 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 XXXX NC XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, Balance : {$1200.00}

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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I am writing under the Fair Credit Reporting Act ( 15U.S.C. 1681i and 1681s-2 ), to formally dispute the completeness and accuracy of certain accounts on my credit report. Please treat this as a notice of dispute under Section 611 of the FCRA. I request that XXXX immediately conduct a reasonable reinvestigation of the disputed information and thoroughly verify each item. Under the FCRA, you are required to complete this reinvestigation and either correct or delete any information that you can not verifywithin thirty ( 30 ) days of receipt of this letter. If any items are found to be unverifiable, I demand their prompt deletion from my file, as required by Section 611 ( a ) ( 5 ) ( A ). Please also notify the original furnishers that the disputed information has been removed or modified justicedirect.com To assist with identity verification, I am enclosing copies of my drivers license, Social Security Number card, and a proof of address ( utility bill ). Please do not destroy these documents, but use them solely for this reinvestigation. Upon completion of your investigation, I expect : Written confirmation of the results, including any changes made. An updated credit report free of unverifiable information. Notification if any originally disputed items remain, including their verification details. Please be advised that failure to comply within the 30-day timeframe constitutes a violation of the FCRA. If you fail to reinvestigate or delete unverifiable information within the required timeframe, I reserve all rights to pursue legal remedies, including statutory damages, recovery of costs, and attorneys fees as allowed under 15U.S.C. 1681no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
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 2025-06-19 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: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus 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 XXXX  Account Number XXXX Balance : {$1500.00} Open Date XX/XX/XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX  Account number XXXX Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$530.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Account number XXXX Balance {$160.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
REAL TIME HELP NEEDED FOR UNLAWFUL CREDIT REPORTING // FRAUDULENT LOAN // IMMEDIATE HUMAN REVIEW REQUIRED. 

To the Consumer Financial Protection Bureau ( CFPB ) : I am a XXXX  consumer, seeking immediate justice against * * XXXX XXXX XXXX XXXX * * for egregious and * * UNLAWFUL CREDIT REPORTING * *, * * DECEPTIVE PRACTICES * *, and apparent * * IDENTITY THEFT * * resulting in severe financial and emotional harm. I write to you, * knowing my rights * and the laws XXXX has brazenly violated. 

On XX/XX/year>2025, I signed a Retail Installment Contract for a vehicle. Crucially, my contract * * CLEARLY and ONLY lists XXXX XXXX XXXX ( XXXX XXXX XXXX of XXXX ) as the " SELLER-CREDITOR. '' XXXX XXXX XXXX XXXX IS NOT MENTIONED, nor was I ever made aware of their involvement. * * Despite no legitimate contractual relationship with me, XXXX * * UNLAWFULLY OBTAINED MY PII * * from XXXX XXXX XXXX. Without my consent or knowledge, they reported an alleged auto loan to credit bureaus, specifically XXXX, * * beginning XX/XX/year>2025 * *. This reporting occurred before my first payment was even due ( XX/XX/year>2025 )! 

This is not merely inaccurate ; it's * * FRAUDULENT LOAN REPORTING * *. XXXX unilaterally * * INCREASED MY LOAN BALANCE * * and * * INFLATED MY APR % * * to 24.45 % by XX/XX/XXXX, betraying the 24.04 % stated on the contract signed with XXXX XXXX XXXX. This unauthorized APR change is a blatant * * CONTRACTUAL BREACH * * and * * PREDATORY LENDING * * tactic. The initial cost itself was fabricated by XXXX XXXX XXXX 's misrepresentations and fraudulent calculations, directly leading to this inflated balance XXXX now unlawfully holds me accountable for. 

My dispute with XXXX  came back " Verified, '' demonstrating a systemic failure to investigate XXXX 's clear lack of contractual standing. My XXXX  score, once XXXX, plummeted to XXXX due to related fraudulent credit applications. 

I have filed a police report against XXXX XXXX XXXX for * * IDENTITY THEFT * * ( # [ Your Police Report Number ] ), as they exploited my PII, submitting 18 unauthorized loan applications. XXXX 's participation, by accepting and reporting on this fabricated loan, makes them complicit. 

This is a grave * * FCRA VIOLATION * * and a direct affront to * * CONSUMER PROTECTION LAWS * *. XXXX 's actions are * * UNCONSCIONABLE * *, causing profound financial XXXX. I demand immediate removal of this * * UNAUTHORIZED LOAN * * from my credit reports and a full investigation into XXXX 's acquisition of PII and their * * UNLAWFUL CREDIT REPORTING * * practices. My rights have been trampled. I seek swift and permanent justice against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters toTRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX  2. XXXX 3 XXXX XXXX XXXX 4. 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 non-monetary relief
Consumer complaint received 2025-06-19 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Velocity Portfolio Group
State: TN

Complaint narrative:
I have provided a document of civil warrant that I was served to be forced to pay for a debt I that I do not owe nor did I sign a contract with Velocity Investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XX/XX/scrub>/2025 : XXXX XXXX  for house in XXXX CA. House did not burn down but sustained extensive damage from wind, rain, and smoke & ash filled with 200x lead poisoning.. 

XXXX.2025 : Insurance provides check for $ XXXX to cover initial repair costs. Mortgage company Select Portfolio Services ( SPS ) is listed on check as a payee. 

XX/XX/year>2025 : Insurance check plus supporting documents all are acknowledged received by SPS. Once received, their website claims that an initial draw of {$40000.00} will be sent immediately XX/XX/year>2025 : I continue to regularly call or chat with SPS repeatedly asking for the initial draw of {$40000.00} so we can begin repairing the house. I rent this property for about {$5600.00} per month, so every delay in repairing it is extremely costly. A sample chat is provided. It is very difficult to read because they don't have a system in place to save chats including dates, spaces ; only a cut/paste that removes dates & spaces. 

XX/XX/scrub>/2025 : By now, it has been two months and at least 10 promises to send the initial draw from the insurance check. Each conversation ends the same way : " I can understand why you're very upset. I will request the payment again, and it should happen within 7 business days. '' NO PAYMENT HAS BEEN RECEIVED. I am unable to repair the house because of that. 

PLEASE HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Payment after charge off/collection {$320.00} XX/XX/year>2020 2020

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 2025-06-19 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-19 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: OH

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX 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 : 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 XXXX OH XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: DC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-19 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: TX

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
I am disputing a collection account placed by XXXX XXXX for an apartment lease at XXXX XXXX that is currently being reported inaccurately on my credit file. The balance of {$2500.00} is listed as charged off and in collection on all three bureaus ( Equifax, Experian, and TransUnion ), but the account is over 5 years old and was opened in 2019. This debt has been previously disputed with the credit bureaus, and no proper validation was provided under FCRA 611. Additionally, the company failed to provide : * Lease agreement documentation * A detailed breakdown of the charges * Proof of ownership/authorization to collect The account is listed as derogatory with no recent activity or payments. This is negatively affecting my credit, and I am requesting that this account be removed unless proper verification is provided. I am requesting an immediate investigation and response from Innovative Recovery. If they can not prove this debt with proper supporting documents, it must be remove4d from all reporting bureaus as required 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