vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAROLINA FINANCE, LLC
State: NC

Complaint narrative:
Recently Ive been receiving spam calls and emails from XXXX XXXX in regards to an account. Now I say this is spam because I have not worked with XXXXXXXX XXXX in the past and recently talked with my past car loan lender about possible payment options/plan to help bring my account up to date. When I spoke with a associate at Carolina Finance, the company I originally loaned my car from, she mad a note on my account about the conversation we had and that she would be reaching out in a couple weeks to see if anything else has change. The next day XX/XX/2025, I begin receiving spam calls and voicemails with no message and emails from XXXX XXXX in regards to my account. I have ignored these attempts because as I stated previously I have no knowledge of working with them nor do I have any signed documents/previous communication with them in regards to transactions. I attempted to see who the company was and what car lender I would have worked with and when I spoke briefly with a female associate on the phone she got some of my personal information and told me the had worked with agoraonce again Im not familiar so I didnt proceed further in the phone conversation. This was on XX/XX/2025. On XXXX XXXX, a notice was placed on my door to contact XXXX to bring my account up to date. The next day I called to receive more information since someone has been to my actual address. When I spoke with a representative the next day XX/XX/2025, I was informed it was for my current car and that the loan provider and transferred the loan to them. When I asked when did this happen because I had no knowledge no information was given to me other than the fact that I would need to make a payment of {$75.00} to cover the remaining balance for XXXX and I can agree to have XXXX and XXXX payments pushed back towards the end of the loan. He also told me I was 49 days past due. I told him I would call back Friday to make payment and agreed to have things push back so possibly avoid having my car repossessed. On XXXX, I reached to my original car loan lender Carolina Finance to verify this switch but have been met with automated voicemail to either leave a message or make a payment because the representative are busy. I left a voicemail to have them give me a call back on XXXX. I still have not received any proper documentation of this transfer nor any new information from the new company that is supposed to be handling my loan. I have received email from XXXX in regard to them attempting to call me starting XX/XX/2025, and one email sent with a billing statement. I didnt open this due to my suspicions of possible spam. I have checked my mailboxes and I still have not received anything from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
It appears that TransUnion 's response to my request to remove high balance of {$6300.00} has been closed. TransUnion simply " removed '' incorrect dates ( XXXX ). XXXX has no history of such an amount {$6300.00} ever being reported to any credit agency! 

I spoke with XXXX  XXXX  and it was explained to me why the {$4800.00} was reported because it was the charge at the opening of my dental account. 

XXXX XXXX erroneously reported a balance of $ XXXX and a non updated balance from XXXX XXXX  of {$2000.00} totaling $ XXXX was reported as negative by TransUnion ( 9 % credit utilization score ) and thus my credit score decreased from XXXX to XXXX. Upon dispute of both amounts, XXXX erroneously canceled the credit reporting to TransUnion and another XXXX points were deducted stating that my credit balance was decreased. 
A representative from TransUnion was on the phone when I called XXXX XXXX XXXX XXXX XXXXXXXX and while she could not interact, she heard the conversation that this was an error, the account would be reinstated to submit monthly credit balances. TransUnion updated XXXX to {$1500.00} because it had not updated since XX/XX/year> and yet TransUnion has not done anything to replace the XXXX point loss. 

TransUnion has not included its update on its erroneous credit utilization scoring of 14 % or its incorrect amount of {$14000.00} of credit amount totals. 

Given the years that I as a consumer have continued to complain to CFPB about TransUnion 's pattern in negatively affecting my credit score when it gets close to XXXX has gone unchallenged, without incidence and now seems retaliatory. 

TransUnion 's dark pattern and history of mishandling disputes, have affected me personally as a consumer in a ) Exercise of my rights ( disputing credit report items ) b ) Negatively impacted my ability to obtain, better interest rates and considerations for higher loan amounts. 

In conclusion, my credit accounts are paid in full monthly and generally carry XXXX balances. The Comenity ( dental ) account was {$8400.00} and in six months is down to {$1500.00}. My credit-worth speaks for itself. This is why I as a consumer currently view TransUnion 's continued disruption of my FICO scoring to be retaliatory against the number of disputes reported in these recurring events. 

I AM TIRED OF STARTING OVER EVERY YEAR TO BUILD MY SCORE BACK ONLY TO SEE TransUnion shoot it down EVERY YEAR!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I contacted Ally to lower payments due to a hardship because my mom passed. They keep threatening me with reposession. I also asked for payoff quote without all the fees. It seem i will never pay off this vehicle due to all the interest fees and charges they keep applying. I should have been finidhed paying for this car by now. I signed contract back in 2020 during XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint against TransUnion, Equifax and Experian a consumer reporting agency, for failure to conduct a timely and reasonable investigation of disputes I submitted concerning inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a formal disputes to all regarding several inaccurate or unverifiable items on my credit report, including : Late Payments Personal Information Unauthorized Inquiries Despite providing detailed documentation to support my claims, TransUnion has not responded or resolved my disputes within the legally required timeframe. According to the FCRA : FCRA 611 ( 15 U.S.C. 1681i ) Credit reporting agencies must conduct a reasonable reinvestigation of disputed items within 30 days of receiving notice from the consumer. If the CRA fails to investigate or verify the accuracy of the item, it must be deleted from the consumers credit file. 
TransUnion has failed to fulfill this obligation. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information ( i.e., creditors or debt XXXX ) are required to investigate disputes forwarded by a credit reporting agency and report the results to the agency. If the item is inaccurate or unverifiable, they must correct or delete the information. 
XXXX failure to facilitate or document any communication with the original furnishers also constitutes a potential violation of this provision. 

Requested Actions : Launch a formal investigation into XXXX noncompliance Require them to provide a written explanation or deletion of the items Ensure consumer rights under FCRA are upheld Please see attached supporting documentation, including dispute letters, proof of submission, and copies of my credit report. 

Thank you for your attention to this matter. I look forward to your support in holding TransUnion accountable and ensuring the protection of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint against TransUnion, Equifax and Experian a consumer reporting agency, for failure to conduct a timely and reasonable investigation of disputes I submitted concerning inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a formal disputes to all regarding several inaccurate or unverifiable items on my credit report, including : Late Payments Personal Information Unauthorized Inquiries Despite providing detailed documentation to support my claims, TransUnion has not responded or resolved my disputes within the legally required timeframe. According to the FCRA : FCRA 611 ( 15 U.S.C. 1681i ) Credit reporting agencies must conduct a reasonable reinvestigation of disputed items within 30 days of receiving notice from the consumer. If the CRA fails to investigate or verify the accuracy of the item, it must be deleted from the consumers credit file. 
TransUnion has failed to fulfill this obligation. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information ( i.e., creditors or debt XXXX ) are required to investigate disputes forwarded by a credit reporting agency and report the results to the agency. If the item is inaccurate or unverifiable, they must correct or delete the information. 
XXXX failure to facilitate or document any communication with the original furnishers also constitutes a potential violation of this provision. 

Requested Actions : Launch a formal investigation into XXXX noncompliance Require them to provide a written explanation or deletion of the items Ensure consumer rights under FCRA are upheld Please see attached supporting documentation, including dispute letters, proof of submission, and copies of my credit report. 

Thank you for your attention to this matter. I look forward to your support in holding TransUnion accountable and ensuring the protection of 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 explanation
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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, NJ XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX Date : XX/XX/year>23 XXXX XXXX  Date : XXXX/XXXX/23

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: 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 explanation
Consumer complaint received 2025-07-10 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
On XX/XX/year>, a hard inquiry appeared on my credit reports from XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX And on XX/XX/year> an inquiry appears on just Transunion from XXXX. I did not apply for any credit or authorize any inquiry with this company. 

This inquiry was unsolicited and unauthorized, and I consider it a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : FCRA 604 ( a ) ( 3 ) [ 15 U.S. Code 1681b ] : Permissible purposes of credit reports. A creditor may only access my credit report with my express permission or in connection with a credit transaction initiated by me.

FCRA 604 ( f ) [ 15 U.S. Code 1681b ( f ) ] : A person shall not use or obtain a consumer report without a permissible purpose.

Because I did not initiate any transaction, give consent, or have any existing relationship with TBOM/VERVTV, this inquiry was made without a permissible purpose and is not legally valid.

I have already disputed this with the credit bureaus, and I am now escalating this issue to the CFPB. I request the following : 1. Immediate removal of the unauthorized inquiry from all credit bureaus ( TransUnion, XXXX, Experian ), XXXX. An investigation into XXXX practices regarding unauthorized inquiries, XXXX. Any documentation or evidence XXXX  has showing I authorized or initiated this credit inquiry ( which does not exist, as I never applied ). 

This unauthorized access is causing harm to my credit profile and is a direct violation of my consumer rights under FCRA. 

Please investigate and assist in getting this issue resolved and the inquiry permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
Yes I sent Experian this same ftc report and the only thing they did was remove the inquiry they related to the account not the actual account itself which I stated both was fraudulent they told me they couldnt block it because I didnt sent identification .. I upload my identification on they Experian upload website and they still havent removed the account they didnt take what I sent them serious I would like for yall to removed the fraudulent account on this FTC report and the fraudulent address Thank you

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