vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurately reporting a repossession on my consumer credit reports with XXXX XXXX and TransUnion. The account details are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Vehicle : XXXX XXXXXXXX XXXX XXXX XXXXXXXX VIN : XXXX Issues with Reporting : 1. False Status of Repossession : The vehicle was not repossessed through traditional legal means. 
XXXX XXXX XXXX picked up the vehicle from my location at XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX in XX/XX/XXXX. 
There was no active repossession involving law enforcement, court order, or involuntary seizure of the vehicle.

Therefore, reporting this account as a repossession is inaccurate and misleading.

2. Incorrect Balance and Status Across Bureaus : XXXX  : Reporting Transferred but misleadingly still showing repossession comments. 
TransUnion and XXXX : Reporting Repossession inaccurately with a {$10000.00} balance, even though the vehicle was picked up and sold for {$5800.00}.

Additional fees ( {$2400.00} in repossession expenses and {$280.00} in late fees ) were applied inconsistently.

The data reported across all three bureaus is inconsistent and materially inaccurate.

3. Failure to Properly Notify : XXXX XXXX XXXX sent critical notices ( Notice of Repossession and Private Sale ) to an old address that I no longer resided at. 
Despite knowing my actual location when retrieving the vehicle, they failed to send notices to the correct address. 
This deprived me of a fair opportunity to respond, redeem, or challenge the sale violating my consumer rights.

4. Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Failure to maintain accurate information.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute.

Texas Business and Commerce Code 9.610 & 9.611 Failure to provide proper notice of disposition of collateral.

Unfair and Deceptive Acts and Practices ( UDAP ) Misrepresenting the nature of the collection activity.

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 2025-04-28 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: LA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurately reporting a repossession on my consumer credit reports with XXXX, Equifax, and XXXX. The account details are as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX * * Vehicle : XXXX XXXX XXXX XXXX XXXXXXXX VIN : XXXX Issues with Reporting : 1. False Status of Repossession : The vehicle was not repossessed through traditional legal means. 
XXXX XXXX XXXX picked up the vehicle from my location at XXXX XXXX XXXX, XXXX, Louisiana XXXX in XX/XX/XXXX. 
There was no active repossession involving law enforcement, court order, or involuntary XXXX of the vehicle. 
Therefore, reporting this account as a repossession is inaccurate and misleading.

2. Incorrect Balance and Status Across Bureaus : XXXX  : Reporting Transferred but misleadingly still showing repossession commentsXXXX XXXX  and Equifax : Reporting Repossession inaccurately with a {$10000.00} balance, even though the vehicle was picked up and sold for {$5800.00}. 
Additional fees ( {$2400.00} in repossession expenses and {$280.00} in late fees ) were applied inconsistently. 
The data reported across all three bureaus is inconsistent and materially inaccurate. 
3. Failure to Properly Notify : XXXX XXXX XXXX sent critical notices ( Notice of Repossession and Private Sale ) to an old address that I no longer resided at. 
Despite knowing my actual location when retrieving the vehicle, they failed to send notices to the correct address. 
This deprived me of a fair opportunity to respond, redeem, or challenge the sale violating my consumer rights.

4. Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) Failure to maintain accurate information.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute.

Texas Business and Commerce Code 9.610 & 9.611 Failure to provide proper notice of disposition of collateral.

Unfair and Deceptive Acts and Practices ( UDAP ) Misrepresenting the nature of the collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of XXXX and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 non-monetary relief
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-28 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: GA

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-04-28 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

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 2025-04-28 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: MD

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 2025-04-28 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: SC

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-04-28 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-28 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: MD

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 2025-04-28 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:
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 non-monetary relief
Consumer complaint received 2025-04-28 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting inaccurate information on my Experian and Equifax credit reports XXXX  has deleted this account already.i have disputes over 5 times and they are not doing proper investigation. XXXX XXXX XXXX original creditor XXXX XXXX  XXXX  account number XXXX the following information is inaccurate. # 1equifax is reporting last activity XX/XX/year> and Experian is reporting XX/XX/year> # XXXX Equifax is reporting the status as closed and Experian has the status as open # 3.equifax has the most recent adverse as none reported and Experian has the most recent adverse as collection charge off # 4.equifax has the term source type as provided and Experian has none reported # 5 Equifax comments consumer disputes reinvestigation in progress and Experian has the comments account seriously past due account assigned to attorney collection agency credit internal collection dept. # 6.equifax account details reporting XXXX XXXXn time payments and Experian no data provided and lastly Experian has no payment history and Equifax has a payment history reporting.according to 15 usc 1681 ( e ) ( d ) whenever a consumer report ing agency prepares a consumer report it shall follow maximum possible accuracy of the information concerning the individual about whom the report relates.experian and Equifax is violating my federally protected rights and keeps saying the account is verified and is not conducting a proper investigation.please help me this inaccurate account is keeping me from obtaining a home.i am fighting XXXX XXXX XXXX  and need your help.

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 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX2025 Subject : Urgent Fraud Complaint and Request for Investigation Theft of {$18000.00} To Whom It May Concern, I am writing to formally report a serious fraud incident involving an impersonator claiming to be a Chase representative. This scam on XXXX XXXX, 2025, resulted in the theft of {$18000.00} from my bank account. 

Details of the Incident : While working, I received a call from a person claiming to be a Chase representative, using a legitimate-looking Chase XXXX XXXX. 
The caller falsely told me that my account was being hacked by a criminal in Arizona and that he was there to protect and secure my account. 
Under pressure and fear, I transferred all my funds into a safe account as instructed, believing my money would be returned within 20 minutes. 
The scammer stayed on the line for over two hours, assuring me he was working to secure my account. 
When I realized I had been duped around XXXX XXXX I called the same number back and discovered it was a Chase mortgage line, not a retail banking line. 

Outcome : As a result of this scam, my entire bank account was drained of {$18000.00}. 
I contacted Chases fraud department to report this incident. However, I was told it was a scam and was advised to file a police report. No further investigation or assistance was provided. 

Request : I urgently request a thorough investigation into this incident. 
I seek guidance on how to recover my stolen funds and protect my account from further malicious activity. 
I ask for an official record of this complaint for my documentation. 

Please acknowledge receipt of this letter and advise me on any next steps. 

Additional Contact : XXXX, Phone : XXXX Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-04-28 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: NY

Complaint narrative:
Im reaching out because there is an account listed on my credit report that I do not recognize and have no affiliation with. Let me be clear this account is completely unknown to me, and Ive never opened or authorized it in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Im really worried about the mistakes on my credit report. These inaccuracies have been XXXX  me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I need you to make sure all this information is 100 % correct. 

Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating.

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 2025-04-28 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required 21-day notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my credit score.

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