vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Victim of Data Security Breach : XXXX XXXX XXXX, TransUnion, LLC. XXXX XXXXXXXX XXXX Violations are : 1. Failed to Maintain the Maximum Possible Accuracy : 15 USC 1681 ( s-2 ) b 2. Late Payments : 15 USC 1681 a2Xi 3. Permissible Purpose 15 USC 1681b Notice of Intent to Sue for Credit Reporting Violations I, XXXX XXXX, hereby declare under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief. This Notice demands immediate corrective action regarding wrongful reporting entries on my credit file, which are fraudulent, unauthorized, and in violation of rights afforded under the Fair Credit Reporting Act and Commonwealth of Virginia consumer protection statutes. 

The following accounts reported on my credit file are inaccurate and unverified : a ) XXXX XXXX XXXX  : # XXXX : {$2000.00} Opened XX/XX/XXXX b XXXX XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX  {$520.00} : Allegedly Opened : XX/XX/XXXX c ) XXXX XXXXXXXX XXXX XXXX : # XXXX  {$400.00} : Allegedly Opened : XX/XX/XXXX d ) XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX  {$380.00} : Allegedly Opened : XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX  : # XXXX  {$960.00} : Allegedly Opened : XX/XX/XXXXXXXX XXXX  ) XXXX XXXX XXXX : Balance : {$0.00} : Fraud Date : XX/XX/XXXX LEGAL BASIS OF DEMAND a. Breach of Fair Credit Reporting Act : Reporting these accounts without admissible, duly verified, and authenticated documentation, and without permissible purpose, violates FCRAs accuracy and dispute provisions. 

b. Breach of Commonwealth of Virginia Consumer Protection Statutes : Virginia prohibits the reporting of erroneous, unverifiable, or unauthorized credit information. The continued reporting of these fraudulent tradelines arising from identity theft violates my consumer rights under state 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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC XXXX ( b ) and 15 USC XXXX, my credit report must include only information that is accurate, complete, and verifiable. I am requesting a verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

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 2025-10-13 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-13 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TN

Complaint narrative:
XX/XX/XXXX IS A PREDATORY LEADER. THAT PREY ON VETERANS LIKE ME WHO DONT HAVE FAMILY AND TERMINALLY ILL. IM SUFFERING WITH A XXXX AND XXXX TRANSPLANT. XXXXXX/XX/XXXX HAVE ON THEY SITE I OWE {$520000.00}. XX/XX/XXXX SAYS I OWE {$110000.00}. ON THE SITE I CANT PAY THEY SAY CALL.WHEN I DO, THEY WILL NOT TALK TO ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
Re : Formal Dispute & Demand for Independent Reinvestigation Multiple Tradelines Experian : Under FCRA XXXX ( b ), XXXX ( 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), ( a ) ( XXXX ) ( A ) ), XXXX XXXX XXXX, and XXXX, conduct an independent reinvestigation. Metro 2 cXX/XX/XXXXes are not proof ; obtain running statements/ledgers for each alleged late month ( due date, receipt, posting ). 
I dispute the following and all late months you coded : XXXX. XXXX XXXX XXXX XXXX ( Auto Loan ) your file says Current, was past dueXX/XX/XXXX days XXXX times, but the XXXX shows all OK across the months you display. 
o All late months disputed : the XXXX months you imply ( identify them ). 
o Breaches : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX XXXX : XXXX severity remark contradicts Field XXXX (XX/XX/XXXX ) ; remove any stale dispute remark ( XX/XX/XXXXSpecial Comment ) if no active dispute. 
o Demand : Produce running statements/ledger for each alleged XXXXday late ; otherwise delete the severity/remark or the entire tradeline under XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Dept. of Education /XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ) o Factual issues : You show Payment Deferred while your XXXX shows XXXX/XXXX in XXXX ; cross-bureau dollar inconsistencies also appear. 
o All late months disputed : every XXXX/XXXX month in XXXX. 
o Breaches : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ; XXXX ( a ) ( XXXX )XX/XX/XXXX duty. 
XXXX Metro 2 : XXXX vs XXXX dollar inconsistencies ; XXXX ( deferment ) conflicts with XXXXXX/XX/XXXXmissing if you publish XXXX/XXXX. 
o Demand : Provide full running statements/transaction histories proving any capitalization ( for Balance>XX/XX/XXXX ) and each alleged late ; else delete derogatories or the tradeline ( XXXX ). 
XXXX. XXXX XXXX XXXX XXXX XXXX ( Debt buyer for XXXX XXXX XXXX ) you coded it as INSTALLMENT with a XXXXmonth term and show strings of XX/XX/XXXX. 
o All late months disputed : everyXX/XX/XXXX month you posted. 
o Breaches : XXXX ( b ) ; XXXX ; XXXX XXXX XXXX ; FDCPA XXXX, XXXX ( collector misreporting ). 
XXXX XXXX XXXX : Portfolio Type ( Field XXXX ) and Account Type ( Field XXXX ) must be Collection, not Installment ; Field XXXX ( XX/XX/XXXX) required ; Field XXXXXX/XX/XXXX) must not mix XX/XX/XXXX like an amortizing loan. 
o Demand : Obtain XXXX, chain of title, and ledger ; if unverifiable, delete.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please act in compliance with 15 U.S. Code 1681g by removing the disputed accounts on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-13 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HW Holding, Inc
State: MA

Complaint narrative:
This company retrieved my information illegally and I take that as a threat and I feel very uncomfortable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account should have been deleted under the 2020 multistate Attorney General settlement with XXXX XXXX XXXX. They have failed to honor that obligation.

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 2025-10-13 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: TX

Complaint narrative:
This account should have been deleted under the 2020 multistate Attorney General settlement with XXXX XXXX XXXX. They have failed to honor that obligation.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
XXXX XXXX XXXX Santander Consumer USA Inc . 
Complainant : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX Email : XXXX Date : XX/XX/XXXX Respondent : Santander Consumer USA Inc . 
Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vehicle : XXXX XXXX XXXX XXXX : XXXX Sale/Contract Date : XX/XX/XXXX Dealer : XXXX of XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX # XXXX XXXX Customer # : XXXX Current Reported Balance : {$33000.00} I. Summary of the Complaint I purchased a XXXX XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX, from XXXX of XXXX under a retail installment contract that was assigned to Santander Consumer USA Inc . 
Within two weeks, I returned the vehicle to the dealer, who accepted possession. Despite this, Santander continues to report a balance of {$33000.00} to the credit bureaus, as though the loan remains active. 
The dealer later resold the vehicle, yet Santander has failed to provide a post-sale accounting, apply the sale proceeds to the loan, or correct my credit report. This has caused inaccurate and harmful reporting in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX  provisions.

II. Legal Violations and Grounds for Complaint XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Santander failed to provide a proper accounting after the collateral ( vehicle ) was resold.

2. * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishing inaccurate information to consumer reporting agencies.

3. * * FCRA 1681i * * Failure to reinvestigate disputed information.

4. * * FCRA 1681c * * Continued reporting of inaccurate or outdated negative information.

5. * * Texas Deceptive Trade Practices Act ( DTPA ) * * Engaging in unfair or deceptive acts by misrepresenting the loan status and balance.

III. Prior Attempts to Resolve the Matter I have made multiple good-faith attempts to resolve this matter directly with Santander and through the credit bureaus : - Sent a XXXX XXXX XXXX XXXX demand letter * * to Santander ( certified mail ). - Filed * * disputes with XXXX, XXXX, and XXXX  * *, requesting correction or deletion of the tradeline. - Provided copies of the purchase contract, return documentation, and communication with the dealer. - No adequate response or correction has been received to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-13 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: MD

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to have all information contained in my credit file be 100 % accurate and verifiable. My dispute is based on the following : This account was reported as charged off and bears a XXXX ' internal notation, strongly implying debt cancellation, yet continues to report an outstanding balance. This contradictory status makes the balance unverifiable and inaccurate, violating 15 U.S.C. XXXX of the FCRA and rendering the data non-compliant with Metro 2 reporting guidelines. 
Under XXXX Metro 2 reporting standards, once a debt is charged off and sold, the original creditor must report a {$0.00} balance and use the appropriate status cXX/XX/XXXXe to reflect that the account has been transferred or sold to another lender ( Status CXX/XX/XXXX XXXX ). Continuing to report an outstanding balance is inaccurate because the original creditor no longer owns the debt. 

The following account is reporting an inaccurate balance : XXXX - The account status is reported as " Charge-Off '' but it is still reporting a balance due of {$1000.00}. This is an inaccuracy that violates the Fair Credit Reporting Act ( FCRA ). 



XXXX XXXX - The account status is reported as " Charge-Off '' but it is still reporting a balance due of {$2000.00}. This is an inaccuracy that violates the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Credit Reporting Act, this credit has violated my rights under 15USC XXXX, section XXXX states I have the right to privacy. 
Under 15USC XXXX section XXXX, Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15USC XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XX/XX/XXXX This account must be immediately deleted from my credit file as it exceeds the maximum permissible reporting period defined by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXXc, having been reported for over XX/XX/XXXXyears since the Date of First Delinquency ( XX/XX/XXXX ). 

Bk of XXXXXX/XX/XXXX I demand the immediate deletion of theXX/XX/XXXX record from this report because it is obsolete. Furthermore, its presence on myEquifax report, while having been removed from the reports furnished by Transunion and Experian, demonstrates a failure to assure maximum possible accuracy in violation of 15 U.S.C. XXXX ( b ), rendering the entry unverifiable and incomplete.

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