vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX, I paid off a collection account with Jefferson Capital Systems based on a recorded verbal agreement that the account would be deleted from my credit report upon payment. This agreement was a determining factor in my decision to resolve the debt. 

I honored the agreement and made full payment, yet Jefferson Capital continues to report the collection on my credit report. This is a breach of the agreed terms and is causing unjust harm to my credit profile.

I respectfully request that Jefferson Capital delete this account from XXXX XXXX XXXX XXXX as promised and provide written confirmation of this action. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrelated collection account, with confirmation number XXXX. At the time of payment, I was informed that the account would be removed from my credit report upon full payment. 

Despite fulfilling my part of the agreement, the XXXX account remains listed on my credit reports. This continued reporting is unjust and misleading. 

I request that XXXX and the related collection agency immediately delete the account from all credit reporting agencies and confirm the deletion in writing. 

On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX I paid the XXXX-related collection account, with confirmation number XXXX, based on an agreement that the account would be deleted from my credit file upon payment. 

I have fulfilled my obligation, but the collection still appears on my credit reports. This violates the agreement and affects my creditworthiness. 

I request that XXXX and the relevant collection agency remove this account from XXXX XXXX XXXX XXXX and send confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
It has come to my attention that my personal information was exposed as a result of a national data breach. Upon reviewing my credit reports, I discovered several accounts that I do not recognize and did not authorize. 

I asked the credit reporting agencies for proof of these debts, but to date, havent received anything back. 

Ive attached documents showing the data breach ( XXXX report ) and my debt validation letter along with identifying information. 

Given the sensitive nature of this situation and the potential implications of identity theft, I kindly request immediate attention to this matter and appropriate action to resolve these discrepancies. 

Thank you for your prompt assistance.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-13 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$9400.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$11000.00} XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$9400.00} XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX XXXX Balance {$4900.00} XXXX XXXX XXXXXXXX XXXX  XX/XX/year> XX/XX/year> XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
I have identified unauthorized inquiries on my credit report that were made without my consent. I contacted the responsible creditors, who confirmed they have no evidence that I initiated these inquiries nor any written or verbal authorization for them. Since these inquiries lack valid grounds, I am requesting their immediate removal. 
Details of Disputed Inquiries : XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX B XX/XX/XXXX. ] ( Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft.

Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRAs permissible purposes. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General.

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 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> I went ahead and made a payment to the new company that acquire my vehicle loan. I received confirmation that payment was processed on their app. Four day later I check to make sure all was good with the payment and call the company only to find out that apparently I did not have the funds ( which I did had the funds ) they had already charge a late fee and a NSF fee. 

The second attempt to make the payment resulted in them telling me that I enter the wrong bank account information and thats why the payment was not processed, their system never show an error or a problem with the account. Few days later I noticed the payment has not been processed. I called again and made payment over the phone with a rep, the rep assured me the payment went through. I went ahead and check later in the day to make sure all was good and now the account shows that payment is due and more late fees were added. PLEASE look at the reviews their seem to be a fraud issues here, the company seems to be in business to repo cars from people that actually make their payments or have try to make their car payments but it seems the company goal is to repo cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I acquired a signed Retail Installment Sale Contract ( RISC ) from a dealership. I subsequently assigned this instrument to Bank of America, N.A., through a valid trust entity, in accordance with Uniform Commercial Code ( UCC ) 9-406. The assignment included all rights, title, and interest in the contract, was executed via a notarized allonge, and was lawfully conveyed without expectation of repayment ( gift ). 

On XX/XX/year>, the full packageincluding the certified true copy of the RISC, UCC-1 Financing Statement, Allonge, Trustee Certification, and UCC 9-406 Demand Letterwas delivered to Bank of Americas Dealer Services Division in XXXX XXXX Florida. 

As of today, I have received no written response, acknowledgment, or formal action regarding the assignment. My request was to have the assignment either accepted and acknowledged or formally denied with explanation. This lack of response appears to violate commercial obligations under UCC Article 9.

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 2025-05-12 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:
Information was placed on my credit bureau account that did not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry was made online without my knowledge or permission. I didnt authorize it, I didnt initiate anything with this company, and I had no idea it even happened until I reviewed my report. Thats not okay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
The credit card company XXXX XXXX. Sent my daughter my credit card information. That is an invasion of my privacy. She is not on the account.This happened today XXXXIn the message they explained to her that I could settle my account for a specific amount.Theyhave my correct address and e-mail.Not sure why they felt the need to humiliate me in front of a family member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
I am filing this complaint to report TransUnions willful failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly regarding their obligation to investigate and respond to disputes in a timely manner. 

On XX/XX/year>, I formally disputed erroneous and inaccurate accounts listed on my TransUnion credit report. These disputes were submitted directly through TransUnions online dispute portal ( and via certified mail ). According to Section 611 of the FCRA ( 15 U.S. Code 1681i ), a consumer reporting agency must investigate disputes and remove or correct any inaccuracies within 30 days. 

It has now been over 30 days since I initiated these disputes, and TransUnion has failed to remove or correct the inaccurate items, nor have they provided any legitimate verification or update regarding their investigation. This lack of action constitutes a clear violation of the FCRA and is unacceptable. 

I am demanding that the CFPB take immediate action to investigate TransUnion for its noncompliance with federal law. Their inaction not only infringes on my consumer rights, but now exposes them to monetary liability for damages caused by their negligent and willful disregard of their legal responsibilities. 

I request that : The CFPB compel TransUnion to provide immediate resolution and removal of the disputed accounts. 

TransUnion be held accountable for violating the FCRA. 

Any further harm to my credit and finances as a result of this failure be documented and compensated. 

Attached are copies of my original dispute submissions, credit report items in question, and any correspondence with TransUnion to date.

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 2025-05-13 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-12 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: FL

Complaint narrative:
I am filing this complaint to report XXXX willful failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly regarding their obligation to investigate and respond to disputes in a timely manner. 

On XX/XX/year>, I formally disputed erroneous and inaccurate accounts listed on my TransUnion credit report. These disputes were submitted directly through XXXX online dispute portal ( and via certified mail ). According to Section XXXX of the FCRA ( XXXX XXXX XXXX XXXX ), a consumer reporting agency must investigate disputes and remove or correct any inaccuracies within XXXX days. 

It has now been over XXXX days since I initiated these disputes, and TransUnion has failed to remove or correct the inaccurate items, nor have they provided any legitimate verification or update regarding their investigation. This lack of action constitutes a clear violation of the FCRA and is unacceptable. 

I am demanding that the CFPB take immediate action to investigate TransUnion for its noncompliance with federal law. Their inaction not only infringes on my consumer rights, but now exposes them to monetary liability for damages caused by their negligent and willful disregard of their legal responsibilities.

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 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: MA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my XXXX  credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX XXXX, in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief