vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: IL

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 2025-07-16 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: IL

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 non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-16 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:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accountsXXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX  for {$540.00} ; XXXX XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$520.00} ; XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX  for {$2700.00} ; XXXX  opened on XX/XX/XXXX under account number XXXX * for {$8500.00} ; and XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for XXXX XXXXthat were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX, # XXXX and # XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach.

I am filing this FTC Identity Theft Affidavit to report five ( 5 ) fraudulent accounts appearing on my consumer FICO Experian credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of collections opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX for {$540.00}, Account XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$520.00}, XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX for {$2700.00}, XXXX on XX/XX/XXXX under account number XXXX XXXX for {$8500.00}, and OneMain on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for {$16000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-16 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:
I had no knowledge of these unauthorized inquiries. They may be fraudulent. Please investigate immediately. Enclosed are supporting documents.

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 2025-07-16 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MI

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 XXXX , 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 :XX/XX/XXXXXX/XX/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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Hello, Today, XX/XX/XXXX, I called Santander regarding a lien on a XXXX XXXX XXXX. 

I called XXXX and my call was disconnected. 

I called XXXX and was transferred to a customer service representative who provided me with another phone number. 

I was transferred to XXXX ( XXXX XXXX ) and spoke with rep ID XXXX. 

In XX/XX/XXXX, I purchased a car from XXXX XXXX. 
The car had been acquired by XXXX XXXX via XXXX 's XXXX. 

The representative communicated asked if I had acquired the car via an auto auction, which I explained that I did not. I explained to the representative how I had acquired the car and the representative redirected me to XXXX XXXX, which I advised that the auto repair shop is no longer in business. 



After a long hold, the representative came back on the line and stated that the XXXX would not be released. I advised her that I could submit all the paperwork for the vehicle. The representative stated that Santander would not remove the lien. 

I requested to speak with a supervisor. The manager line was answered by XXXX # XXXX. 

I again explained how the car was acquired and XXXX stated that it could take years before the car lien was released by Santander even though I had all the paperwork and offered to send all the paperwork. 

During my conversation with XXXX he provided the email address XXXX and stated I could submit a request to have the lien released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I have previously disputed Experian, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
On XX/XX/year>, I received an email from Ally Financial stating that my vehicle would be repossessed if I did not submit a payment. I took this threat seriously and made the required payment that same day. Despite fulfilling the demand and making the payment on time, my car was repossessed the very next day on XX/XX/year> I was never told that repossession would still proceed after submitting the payment, and I received no updated notice or confirmation that the payment would not stop repossession. I acted in good faith to resolve the issue, and Ally Financial repossessed my car anyway, causing me undue hardship. 

I am requesting a review of this situation and asking that Ally Financial be held accountable for what I believe is an unfair and deceptive practice. I am also requesting the return of my vehicle or a clear explanation of why repossession proceeded after timely payment was made. 

I have proof of the payment and can provide the email communication if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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: CT

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 explanation
Consumer complaint received 2025-07-16 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-07-16 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am writing to report two unauthorized hard inquiries on my credit report by AllyFinancial both listed as Auto Financing Companies neither of which I requested or authorized. The inquiries are : Inquiry Date : XXXX, Inquiry Date : XXXX Despite my formal disputes, these entries continue to appear on my XXXX XXXX XXXX XXXX files XXXX I have never applied for auto financing with AllyFinancial, and I did not grant permission for these credit checks. Their presence is artificially inflating the number of hard inquiries on my report, dragging down my credit score, and causing me to be denied legitimate credit cards and loan products. All of my other accounts rent, XXXX XXXXXXXX remain open with perfect payment histories, and I have worked diligently to rebuild my credit following a XXXX identitytheft incident. These spurious inquiries misrepresent my responsible credit behavior and are actively harming my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AZ

Complaint narrative:
I was not informed about these inquiries, which seem unauthorized and potentially fraudulent. Please look into this matter and take action. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: IL

Complaint narrative:
XXXXXXXX XXXX  - I was never late on this account, please remove late payment history.

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 2025-07-16 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: FL

Complaint narrative:
Despite multiple requests for correction on my Equifax Credit Report, it is still showing the following negative entries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00}, These items appear to be the result of identity theft. In accordance with 15 U.S. Code 1681b ( 2 ) and Section 605B of the Fair Credit Reporting Act ( FCRA ), it is unlawful to include any information on my credit report without my explicit written consent. These items are damaging adversely affecting my credit report and ability to obtain credit, I have attached as they have done so before my id and proof of address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-16 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: WI

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Experian identifying multiple inaccuracies in the reporting of accounts on my credit file. This dispute was received by Experian on XX/XX/year>, as confirmed by certified mail. 

Experians response, dated XX/XX/year>, failed to address the specific issues raised. It did not include the results of a reinvestigation or any indication that the disputed information was verified, corrected, or deleted. This falls short of their obligations under 15 U.S.C. 1681i, which requires a reasonable reinvestigation and a written notice of results. Experians inaction also violates 15 U.S.C. 1681e ( b ), which mandates reasonable procedures to ensure maximum possible 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 2025-07-16 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

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 2025-07-16 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief