vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MoneyLion Inc.
State: LA

Complaint narrative:
I submitted documents to MoneyLion in order to update my personal information, specifically a legal name update so I can access funds in my account. I uploaded both my birth certificate and government-issued ID over XXXX weeks ago. According to MoneyLions own representatives, if the documents meet the criteria, the update should be completed immediately. 

Despite this, my account information has not been updated. I have repeatedly contacted customer service and have been told to wait a certain number of business days. Each time the stated deadline approaches, the update is still not completed, and I am told to wait again. None of the representatives were able to provide me with a clear or consistent timeframe until XXXX finally admitted that name updates can be done immediately if the documents are correct. 

This ongoing delay has caused me significant frustration, confusion, and concern about whether my documents are being handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the multiple credit inquiries and/or investigations listed on my credit report. Upon reviewing my credit file, I have identified more than XXXX inquiries that I do not recognize and did not authorize. 
In accordance with the Fair Credit Reporting Act ( FCRA ), any inquiry reported on my file must have a permissible purpose and must be fully verifiable upon request. I am requesting that you : XXXX. Provide the name and address of each entity that made the inquiry. 
XXXX. Provide the documented proof of my written authorization for each of these inquiries. 
If you can not verify that I authorized each inquiry, I am formally requesting that all unverifiable or unauthorized inquiries be removed immediately from my credit report. 
Additionally, please inform me in writing of the outcome of your investigation, as required under the FCRA. If you fail to respond within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 
Attached are copies of my government-issued ID, proof of address, and a copy of the credit report highlighting the disputed inquiries for your reference. 
I expect a prompt response to this 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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the multiple credit inquiries and/or investigations listed on my credit report. Upon reviewing my credit file, I have identified more than 15 inquiries that I do not recognize and did not authorize.

In accordance with the Fair Credit Reporting Act ( FCRA ), any inquiry reported on my file must have a permissible purpose and must be fully verifiable upon request. I am requesting that you : 1. Provide the name and address of each entity that made the inquiry.

2. Provide the documented proof of my written authorization for each of these inquiries.

If you can not verify that I authorized each inquiry, I am formally requesting that all unverifiable or unauthorized inquiries be removed immediately from my credit report.

Additionally, please inform me in writing of the outcome of your investigation, as required under the FCRA. If you fail to respond within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general.

Attached are copies of my government-issued ID, proof of address, and a copy of the credit report highlighting the disputed inquiries for your reference. 
I expect a prompt response to this 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 non-monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX List of Unauthorized Inquiries : XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
What happened is that these inquiries : XXXX  - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Appeared on my credit report without my knowledge nor consent. These inquiries are the result of identity theft and they're incorrectly reported on my credit score. I need these removed in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-30 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-30 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: ND

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-30 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: ND

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX BANK XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-30 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: CA

Complaint narrative:
When reviewing my recent TransUnion credit report, I was both alarmed and frustrated to discover several late payment notations that are completely inaccurate and misrepresent my payment history : XXXX CARD - XXXX XXXX XXXX - XX/XX/XXXX - Past Due : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - Past Due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Past Due : {$0.00} * * Each of these accounts is listed as having a late payment, yet the reports clearly show that there is no past due amount associated with them. In other words, the accounts are fully current or have been paid in full, yet TransUnion is reflecting them as delinquent. This is not just a minor discrepancyit fundamentally misrepresents my financial responsibility and creates the impression that I have failed to meet my obligations. The emotional and practical toll of this can not be overstated. Every time I apply for credit, I am unfairly penalized, my credit score suffers, and I face unnecessary stress and embarrassment when explaining these inaccuracies to lenders. 

This reporting violates my rights under 15 U.S.C. 1681i, which guarantees the consumers right to have disputed items properly reinvestigated. A proper reinvestigation requires verification using accurate, original account-level documentation, such as payment histories or billing statements. Simply reporting an error without verification fails to comply with 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in consumer reports.

These errors are not isolated ; they reflect a pattern of misreporting that undermines the reliability of my credit file. I am knowledgeable about my rights under federal law and I expect TransUnion to take these inaccuracies seriously. Allowing these false late payments to remain on my report is a direct violation of the FCRA, and it materially harms my ability to access fair financial opportunities.

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 2025-09-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> TransUnion

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On the week of XX/XX/year> I provided documents showing that the accounts as listed were to be removed per 15 USC 1681, I also filed a identity theft report with case number FTC # XXXX steel got no results.

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 2025-09-30 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: OH

Complaint narrative:
On the week of XX/XX/year> I provided documents showing that the accounts as listed were to be removed per 15 USC 1681, I also filed a identity theft report with case number FTC # XXXX steel got no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding the deceptive and unfair business practices I have experienced with Carvana concerning XXXX  coverage. 

On XX/XX/year>, I signed a XXXX XXXX through Carvana, agreeing to pay {$16.00} per month in addition to my monthly payment, as well as {$990.00} added to my down payment. Carvana represented this as XXXX XXXX  coverage that would protect me in the event of a total loss accident. Based on these assurances, I reasonably believed that my remaining loan balance would be covered if my vehicle was declared a total loss. 

On XX/XX/year>, the vehicle was involved in an accident and was later declared a total loss by XXXX XXXX XXXX Adjuster XXXX XXXX. XXXX XXXX issued a payout of {$5500.00} on XX/XX/year>, which reflected their valuation of the car. This left a remaining loan balance of {$9100.00}, which should have been covered by the XXXX XXXX  I purchased through CarvanaXXXX. 

When I contacted Carvana to file the XXXX  claim, I was informed that there was no record of XXXX  coverage on my account, despite the signed XXXX  Addendum clearly included in my purchase agreement. Since then, I have called and texted multiple times. I have been repeatedly told that someone would contact me regarding this matter, but as of XX/XX/year>, I have not received any follow-up or resolution. 

All of my documents are maintained in my Carvana online account, including the XXXX XXXX, so their claim that they can not locate the policy is not credible. In the meantime, I am still being forced to make monthly payments on a vehicle that has already been declared a total loss. This delay serves only to benefit Carvana/XXXX, as it allows them to continue collecting payments from me while refusing to process the XXXX claim that should cover the outstanding balance. This practice is unfair, deceptive, and financially harmful. 

Carvana misrepresented their services by selling me XXXX coverage, charging me both monthly and upfront fees, and then failing to honor the agreement. This is a clear example of deceptive and predatory business practices. I am now left with a balance of over {$9000.00} that should rightfully be covered under the XXXX  policy I was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation