vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., XXXXXX/XX/XXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XX/XX/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 2025-06-25 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: GA

Complaint narrative:
I am writing to file a formal complaint and dispute against XXXX and the credit reporting agencies ( TransUnion, Experian, and Equifax ) for inaccurate and inconsistent information reported on my credit file regarding the following account : Creditor Name : XXXX Account Number ( XXXX  ) : XXXXXXXX XXXX XXXX XXXX XXXX  Type of Account : Auto Loan ( Installment ) Date Opened : XX/XX/XXXX Balance : {$10000.00} Status : Repossession / Derogatory This account is being reported with numerous inconsistencies that are negatively impacting my credit profile. Most notably : Inaccurate Reporting After Repossession : The vehicle was repossessed, and the status has been updated to " Repossession '' as of XXXX, yet the payment history continues to reflect missed or derogatory payments ( e.g., RF - Repossession Flag ) all the way through XX/XX/XXXX. 
This continued late payment reporting after the repossession is both inaccurate and misleading, as no further monthly payments were due after the asset was recovered.

Conflicting Dates Across Credit Bureaus : Equifax lists the last payment as being made on XX/XX/XXXX, while TransUnion and Experian reflect XX/XX/XXXX, suggesting discrepancies in how payment activity was reported. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, information furnished to credit bureaus must be accurate and complete. Continued reporting of monthly delinquencies after the account was closed via repossession is inaccurate and unfairly damages my credit profile. 

I have attached supporting documentation from my credit reports showing these discrepancies for your review. I am requesting the CFPB 's assistance in investigating this matter and compelling XXXX and the credit bureaus to : Correct or remove any inaccurate late payments reported after the repossession date. 
Ensure consistency in the date of last payment and the status of the account across all three credit bureaus. 
Provide written confirmation of these corrections or a detailed explanation if the account remains as currently reported. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

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 2025-06-25 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: GA

Complaint narrative:
I am writing to file a formal complaint and dispute against XXXX and the credit reporting agencies ( TransUnion, Experian, and Equifax ) for inaccurate and inconsistent information reported on my credit file regarding the following account : Creditor Name : XXXX Account Number ( XXXX  ) : XXXXXXXX XXXX XXXX XXXX XXXX  Type of Account : Auto Loan ( Installment ) Date Opened : XX/XX/XXXX Balance : {$10000.00} Status : Repossession / Derogatory This account is being reported with numerous inconsistencies that are negatively impacting my credit profile. Most notably : Inaccurate Reporting After Repossession : The vehicle was repossessed, and the status has been updated to " Repossession '' as of XXXX, yet the payment history continues to reflect missed or derogatory payments ( e.g., RF - Repossession Flag ) all the way through XX/XX/XXXX. 
This continued late payment reporting after the repossession is both inaccurate and misleading, as no further monthly payments were due after the asset was recovered.

Conflicting Dates Across Credit Bureaus : Equifax lists the last payment as being made on XX/XX/XXXX, while TransUnion and Experian reflect XX/XX/XXXX, suggesting discrepancies in how payment activity was reported. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, information furnished to credit bureaus must be accurate and complete. Continued reporting of monthly delinquencies after the account was closed via repossession is inaccurate and unfairly damages my credit profile. 

I have attached supporting documentation from my credit reports showing these discrepancies for your review. I am requesting the CFPB 's assistance in investigating this matter and compelling XXXX and the credit bureaus to : Correct or remove any inaccurate late payments reported after the repossession date. 
Ensure consistency in the date of last payment and the status of the account across all three credit bureaus. 
Provide written confirmation of these corrections or a detailed explanation if the account remains as currently reported. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
I took out a loan through Cherry Technologies Inc. to pay for 8 laser treatments from XXXX XXXX. The full loan amount of {$2000.00} was paid directly to the business on XX/XX/year>. As of today, I have received only 4 of the 8 treatments. The business is now closed, and I have been unable to reach anyone at XXXX XXXX by phone, text, or email. 

I have used an email tracking service that shows my messages were opened, but they remain unanswered. 

I contacted Cherry Technologies to dispute the charges and stop future payments, but have not received a resolution. My loan agreement contains a clause based on the FTC Holder Rule, which allows me to assert claims and defenses against the lender in cases of merchant nonperformance.

I have also contacted the XXXX XXXX XXXX regarding this issue, and the XXXX  are also unable to get in contact with this business.

I am requesting relief and a partial refund of the loan amount or any payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have started a previous complaint, the previous complaint ID is XXXX. I have received response where it asks me to reach out to the originating financial institution to request a hold harmless form to be sent to Executive Responsive Unit but have not received so. 60 days have passed since the closure of my account and I have yet t receive my funds from BOTH my savings and checking account in Citibank. The previous case has been closed, but I wish to re-open it.

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 2025-06-25 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Subject : Urgent Follow-Up Request to Block Fraudulent Information Under XXXX U.S.C. 
XXXX ( Identity Theft ) Dear Sir/Madam, I am writing again regarding my previous dispute request for the blocking of fraudulent information from my credit report, as required under XXXX XXXX. XXXX. As of today, it has been more than XXXX business days, and you have failed to take any action on this matter. This is an unacceptable delay and a violation of the law. 

- XXXXXXXX XXXX - Account # : XXXX * * * * - Balance : {$2100.00} - XXXX - Account # : XXXX * * * * - Balance : {$8300.00} - XXXX XXXXXXXX - Account # : XXXX * * * * - Balance : {$730.00} - XXXX / XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXX * * - Balance : {$4000.00} - XXXX XXXX XXXX - Account # : XXXX * * * * - Balance : {$4500.00} This account was fraudulently opened in my name, and I have provided all necessary documentation, including a police report and FTC identity theft report. As per the FCRA, you are required to block this information within XXXX business days of receiving my requestyet here we are, with no action taken. 
I demand that you immediately block this fraudulent account from my credit report and send me written confirmation that it has been done. If you fail to do so within the next XXXX hours, I will be forced to escalate this matter with the appropriate regulatory authorities and pursue legal action for non-compliance. 
Additionally, if you claim that you can not fulfill my request, you must provide a clear and detailed explanation as to why this can not be done. 
I expect prompt resolution of this issue, and I will not tolerate any further delay. 

Sincerely, 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 2025-06-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MA

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
At the beginning of XX/XX/2025, I sent a certified letter to Transunion with my brand new driver 's license etc. ( in color ), TransUnion sent me a post card which is a violation of my privacy 15 USC 1692f ( 7 ), saying there were not going to correct the incorrect information. This is a contradiction and disingenuous because they sent the post card to my new address. They are violating Federal Law FCRA 1681 i and neglectfully ( o ) willfully ( n ) refusing to correct incorrect information 1681.

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 2025-06-25 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: SC

Complaint narrative:
Equifax Report Error ( XXXX ) : Credit report pulled XX/XX/year> - I have sent written letters directly to Equifax via the postal mail service requesting a written response to be mailed to my current address listed above within 14 days of receiving my correspondence, instead I received emails. 

- I have also requested for all listed addresses be removed as they do not pertain to me at all including addresses I have never been associated with. 

- I have written letters with proof of inaccurate information highlighted on my credit report and have asked for the debt to list accurate information or to remove the listed items immediately. Some information on my credit report with Equifax has changed but still reports are inaccurate. These same creditors show different information on all major credit reports, such as Equifax, Transunion and XXXX  currently. 

-All letters that have been sent included a copy of my driver license, a copy of my Social Security Card along with a current utility bill in my name with my updated address and still received stall letters requesting me to prove my identity without fully investigating all of the inaccurate information on my credit report. 

I initially contacted Equifax regarding these inaccuracies on XX/XX/year>, XX/XX/year> and again on XX/XX/year> and followed up multiple times through both letters and phone calls. Despite my efforts, these errors remain unresolved, and the incorrect information continues to appear on my credit report. 

I have enclosed copies of my previous correspondence with Equifax and my credit report showing the continued errors, for your reference. The failure of Equifax to correct this issue in a timely manner not only violates my consumer rights but also continues to damage my creditworthiness unjustly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
I looked at my credit on XXXX & didnt recognize the inquiries on my TransUnion report. I didnt authorize my credit to be ran & will need to be deleted. Where is my signature that I authorize these companies to check my credit. Needs to be deleted within 15 days of XXXX TransUnion also has had data breaches before where my info was stolen. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-25 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: TX

Complaint narrative:
I found several accounts on my credit report that I did not open or authorize. These accounts were opened fraudulently and are now in collection status. The accounts include XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1100.00} ), XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1000.00} ), XXXX XXXX ( opened XX/XX/XXXX, balance {$610.00} ), and XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1200.00} ). Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), these fraudulent accounts must be removed immediately upon receipt of a valid identity theft report. I have disputed these accounts with the credit bureaus and requested removal, but they remain on my report. I am reporting this identity theft and requesting these accounts be blocked and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account Jefferson Capital Systems # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I was recently a victim of identity theft I contacted the credit bureaus to handle it myself but they didnt do anything The person was trying to get a vehicle in my name

Company response to consumer: Closed with non-monetary relief