vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
XXXX XXXX XXXX accounts ( partial numbers : XXXX, XXXX, XXXX, and XXXX ) are appearing on my XXXX  credit report with an open date of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Original balances of {$81.00}, {$280.00}, {$260.00}, and {$52.00}, and marked as Closed. I did not open, authorize, or benefit from these accounts. They are the direct result of identity theft. 

Violations & Legal Basis : 1. 15 U.S.C. 1681c-2 ( a ) Requires CRAs to block identity theft accounts within 4 business days of receiving a valid identity theft report. I submitted an FTC Identity Theft Report, yet these accounts remain.

2. 15 U.S.C. 1681c-2 ( c ) Prohibits CRAs from re-inserting identity theft information unless they have a reasonable determination that the block was made in error and provide written notice to the consumer. No such determination or notice was given.

3. 15 U.S.C. 1681s-2 ( a ) ( 6 ) Prohibits furnishers from reporting information they know or should know is the result of identity theft. Affirm continued furnishing despite my identity theft dispute.

4. 15 U.S.C. 1681i ( a ) Requires CRAs to conduct a reasonable reinvestigation and delete unverifiable information. No documentary evidence linking me to these accounts has ever been provided.

5. 15 U.S.C. 1681b Restricts permissible purposes for obtaining or using a consumer report. XXXX had no permissible purpose to open or report these accounts in my name. 

These accounts have caused damage to my credit profile, impacted my ability to obtain credit on fair terms, and caused significant emotional distress.

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 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I was past due on my student loan servicer ( XXXX ). I contacted them and made payments to bring my account to current. However, on my credit report it still shows that I am 120 days past due and the last time that anything was reported was XX/XX/XXXX. When I called XXXX they stated that that they reported the information on XX/XX/XXXX. I am in the middle of closing on my first home and this is all that I am waiting for.

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 2025-08-12 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: PA

Complaint narrative:
I was past due on my student loan servicer ( XXXX ). I contacted them and made payments to bring my account to current. However, on my credit report it still shows that I am 120 days past due and the last time that anything was reported was XX/XX/XXXX. When I called XXXX they stated that that they reported the information on XX/XX/XXXX. I am in the middle of closing on my first home and this is all that I am waiting for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: PA

Complaint narrative:
I was past due on my student loan servicer ( XXXX ). I contacted them and made payments to bring my account to current. However, on my credit report it still shows that I am 120 days past due and the last time that anything was reported was XX/XX/XXXX. When I called XXXX they stated that that they reported the information on XX/XX/XXXX. I am in the middle of closing on my first home and this is all that I am waiting for.

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 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has an account set up for " students '' once the student is XXXX they request SS # and DL information. They hold funds ( lock ) the account until information requested is received. All of the information that they requested was shared with them and they stated that the form was not received. Went into the location 4 times and shared this information, submitted up to the department requesting the documents from the bank and they are stating that the documents provided are not valid and that the DL is expired. It was not expired and the branch location verified that before we submitted all the documents up. They have been holding the funds for over 60 days with no resolution. Complaints have been made internally with Capital One and we have asked for an escalation with no luck. We have asked them to release the fund and that we would close out the account and they are not releasing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 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 explanation
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Date : XX/XX/XXXX ATTENTION EQUIFAX I XXXX FOLLOWING UP WITH MY COMPLAINT NUMBER : XXXX Subject : Metro 2 Compliance Dispute Fraudulent Account Reporting To Whom It May Concern, I am formally disputing the accuracy and validity of the following accounts reporting under my credit profile as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX guidelines : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXpened XX/XX/XXXX, Balance {$620.00}, Limit {$500.00} ) Fraudulent account Not mine XXXX. XXXX XXXX Bank XXXX ( Opened XX/XX/XXXX, Balance {$3900.00}, Limit {$3500.00} ) Fraudulent account Not mine As per FCRA Section 602 ( A ) [ 15 U.S.C. 1681 ( a ) ], credit reporting agencies are required to ensure maximum possible accuracy in the information they report. According to FCRA 611 [ 15 U.S.C. 1681i ], upon receiving this notice, you are required to conduct a reasonable investigation and delete or correct any inaccurate, unverifiable, or incomplete information within 30 days.

Additionally, per Metro 2 Format guidelines, specifically the Base Segment, Account Status, and Compliance Condition Codes, these accounts must be reported accurately. Reporting inaccurate derogatory information violates both FCRA and the Metro 2 compliance requirements.

Legal References : - FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Obligation to assure maximum possible accuracy.

- FCRA 611 [ 15 U.S.C. 1681i ] : Reinvestigation of disputed information.

- FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ] : Duty of furnishers to provide accurate information. 
- XXXX XXXX XXXX XXXX XXXX : " XXXX '' Account information disputed by consumer under the FCRA. 

Dispute Letter - XXXX XXXX Format - XXXX XXXX Account Status Code : Must reflect Closed Fraud status if account is confirmed inaccurate. 

These accounts are causing significant harm to my credit profile and do not belong to me. I demand their immediate removal from my credit report. Please provide written confirmation of deletion within the timeframe mandated by law. 

If you fail to comply, I will pursue legal remedies available to me under FCRA, which XXXX include statutory damages, attorneys fees, and court costs. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NV

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: SC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 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 explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
What happened? 
I have been a Citi Simplicity cardholder for over XXXX years, always paying XXXX  % above the minimum due and never missing a payment until recent isolated issues in XXXX XXXX  due to an external bank error. On XX/XX/year>, a {$1000.00} payment initially failed but later processed successfully when Citi retried it ( this was not a returned payment ). 

In XX/XX/year>, XXXX payments were returned due to the same bank issue. I immediately contacted Citi, stopped pending payments, and switched to a new bank account. On XX/XX/XXXX ( {$1500.00} ) and XX/XX/XXXX ( {$900.00} ), I made successful payments. 

On XX/XX/XXXX, Citi confirmed the account was in good standing with a XXXX usage hold, and even shipped me a replacement card on XX/XX/XXXX. On XX/XX/XXXX, I logged in to find the account closed. Customer service falsely claimed there were XXXX returned payments, counting the XX/XX/XXXX payment that was never returned. 

Why do you think the company did this? 
Citi appears to have closed my account based on false and misleading information in violation of : XXXX ( XXXX XXXX. XXXX ) Misrepresentation of account status. 

XXXX / Reg B ( XXXX XXXX. XXXX ( d ), XXXX C.F.R. XXXX ) Failure to provide timely adverse action notice. 

FCRA ( XXXX XXXX. XXXX ) Potentially inaccurate reporting to credit bureaus. 

I was never warned of closure risk, despite frequent contact with Citi to resolve issues. This conduct is arbitrary, deceptive, and harmful. 

What is the harm? 
XXXX of this well-managed account will likely drop my XXXX XXXX by XXXX points, harming my ability to obtain credit, housing, and insurance. The reputational and financial harm is severe and long-lasting.

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 2025-08-12 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: PA

Complaint narrative:
My Experian credit report includes several false late payment entries from XXXX XXXX : XXXX. XX/XX/XXXX : Shows 30 days late for XXXX XXXX, but the XX/XX/XXXX report does not even list this account. 
XXXX. XX/XX/XXXX : Reported late despite XXXX payments made before the due date of XX/XX/XXXX. 
XXXX. XX/XX/XXXX : Reported late even though the due date is XX/XX/XXXX. According to Experians own published guidelines, late payments should only be reported 30 days after the due date, meaning XXXX can not be considered late until XX/XX/XXXX. 

These entries violate FCRA requirements that late payments be reported only when at least 30 days past due. 
XXXX. XX/XX/XXXX : Reported late despite payment being made before the contractual due date of XX/XX/XXXX. Under Experians own published guidelines, a payment can not be reported late until it is at least 30 days past due, making this entry inaccurate and misleading.

FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) : No correction or deletion of false information within 30 days of dispute.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition against false or obsolete negative reporting.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Furnisher reported information known to be inaccurate.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My student loans are separated into XXXX different loans for a total of XXXX. My last email from XXXX was XX/XX/year>. They have made no attempt to let me know my account was approaching 90 day delinquency. I have received no phone calls, no updates, and no other attempts at notifying me of the issue. I was only then contacted after 90 day delinquency and XXXX points was taken off my credit report. I was able to call them and get my account moved into good standing, and remove the delinquency. However, there has been nothing they will do to adjust my credit report. It is the law that the lenders contact the borrowers to keep them updated regarding their loans. However, they never attempted to do such. Theyve had current emails and I received nothing. Not even a mail notice.

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