vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: MI

Complaint narrative:
CFPB Complaint Draft Company Complained About : TransUnion LLC Issue Category : Incorrect information on your report Sub-Issue : Problem with a credit reporting companys investigation into an existing problem Complaint Narrative ( What Happened ) On XX/XX/XXXX, TransUnion suffered a major data breach affecting more than XXXX XXXX consumers, exposing names, Social Security numbers, addresses, dates of birth, and consumer records. My personal information was included in this breach, placing me at high risk of identity theft and fraud. 
As a result, I am disputing the following inaccurate accounts and unauthorized hard inquiries on my TransUnion credit report : - XXXX XXXX XXXX Account # XXXX - This account is reporting inflated balances, false late payments after repossession, and inaccurate deficiency amounts. 
XXXX XXXX  XXXX XXXX Account # XXXX - This account was charged off but is reporting postcharge-off collection activity in violation of Metro 2 and FCRA reporting standards. 
Unauthorized Hard Inquiries : - XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX - XXXX XXXX ( Finance ) XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX - XXXX ( Bank ) XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX - XXXX ( Finance ) XXXX XXXX, XXXX - XXXX  XXXX Bank XXXX XXXX, XXXX - XXXX Bank XX/XX/XXXX - XXXX  XXXX XXXX XXXX XX/XX/XXXX - XXXX  Card ( XXXX ) XX/XX/XXXX - XXXX  ( Finance ) XX/XX/XXXX - XXXX  ( Finance ) XX/XX/XXXX I sent TransUnion a certified dispute letter demanding removal of these accounts and inquiries within 7 days due to the severity of the breach and the ongoing risk of harm. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion is required to reinvestigate and correct inaccurate information. Failure to act promptly will be considered willful noncompliance. 
Desired Resolution I am requesting that TransUnion : 1. Immediately delete XXXX XXXX XXXX # XXXX and XXXX  XXXX XXXX # XXXX from my credit report. 
2. Immediately remove all unauthorized hard inquiries listed above.

3. Provide me with written confirmation of whether my personal data was included in the XX/XX/XXXX TransUnion data breach. 
4. Provide proof that any information they continue to report has been fully verified as accurate and authorized. 

TransUnion XX/XX/XXXX data breach

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding a XXXX  record that I have already disputed directly with TransUnion. Despite my previous correspondence, I am seeking the CFPBs assistance to ensure that TransUnion properly investigates and corrects the inaccurate bankruptcy information on my credit report. 

I have already sent a dispute letter to TransUnion, but I have not yet received a satisfactory resolution. I would like the CFPB to assist in ensuring that TransUnion reviews the documentation and removes the incorrect XXXX entry from my credit report if it is found to be inaccurate. 

Thank you for your attention to 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 2025-09-06 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: SC

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I authorized a {$0.00} charge and was charged {$49.00}, and Barclays says this is a dispute and not fraud

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive have reach out multiple times, trying to get this issue resolved and I have failed to get any information regarding this collection.

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 2025-09-06 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  XXXX, account 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 2025-09-06 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX  XXXX, account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
On XX/XX/year> I send a letter to TransUnion LLC for falls reporting on my account on to debt collectors falls claims. They DID NOT do a investigation on 1. Legality of the debt collector company to claim the alleged debt from original company. 2. They did not investigate the claim document if my wet signature was present to make me legally responsible for the alleged debt. 3. They DID NOT investigate the amount of debt I allegedly own to this debt collector. 4. They knowingly for their profit reported a FALLC report in their website. 5. They violated knowingly the Title 15. 
On XX/XX/year> I send certified letters to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for their falls claim. 
XXXX XXXX XXXX XXXX did not respond at all even as today which passes 60 day on violation of Title 15. 
XXXX XXXX XXXX XXXX did not provided any proof of LEGALITY document to their claim or any other document on the amount of debt I allegedly own to them, any interest or fees connected to their claim, and my wet signature to any document to hold me legally accounted for the alleged debt they claim. 
The TransUnion LLC is still reporting falls claim. 
I did file other claim about this company and other two reporting and the LEGAL TIME of 30 day to report is overpassed. LOOKS LIKE your agency is disregarding our laws and applying two set of laws or worst toasting in garbage our laws and turning our country in a XXXX XXXX where the laws do not mean any thing for certain individual. 
NO ONE IS HELD ACCOUNTED yet for violating those law even EXPERIAN since XX/XX/year> is in court for violation of Title 15. A letter will be send to XXXX XXXX which overside your agency. 
They deleted the falls report of claim by XXXX XXXX XXXX XXXX but for their profit have not deleted the other claim feeling untouchable by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I send a letter to TransUnion LLC for falls reporting on my account on to debt collectors falls claims. They DID NOT do a investigation on 1. Legality of the debt collector company to claim the alleged debt from original company. 2. They did not investigate the claim document if my wet signature was present to make me legally responsible for the alleged debt. 3. They DID NOT investigate the amount of debt I allegedly own to this debt collector. 4. They knowingly for their profit reported a FALLC report in their website. 5. They violated knowingly the Title 15. 
On XX/XX/year> I send certified letters to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for their falls claim. 
XXXX XXXX XXXX XXXX did not respond at all even as today which passes 60 day on violation of Title 15. 
XXXX XXXX XXXX XXXX did not provided any proof of LEGALITY document to their claim or any other document on the amount of debt I allegedly own to them, any interest or fees connected to their claim, and my wet signature to any document to hold me legally accounted for the alleged debt they claim. 
The TransUnion LLC is still reporting falls claim. 
I did file other claim about this company and other two reporting and the LEGAL TIME of 30 day to report is overpassed. LOOKS LIKE your agency is disregarding our laws and applying two set of laws or worst toasting in garbage our laws and turning our country in a XXXX XXXX where the laws do not mean any thing for certain individual. 
NO ONE IS HELD ACCOUNTED yet for violating those law even EXPERIAN since XX/XX/year> is in court for violation of Title 15. A letter will be send to XXXX XXXX which overside your agency. 
They deleted the falls report of claim by XXXX XXXX XXXX XXXX but for their profit have not deleted the other claim feeling untouchable 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 explanation
Consumer complaint received 2025-09-06 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: Sparrow Financial, Inc.
State: LA

Complaint narrative:
Sparrow was advertising a soft inquiry for credit card. I filled in my info and a hard inquiry was filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: KY

Complaint narrative:
XXXX someone opened 3 credit cards In my old married name I used before XXXX. I called all XXXX, two companies closed them after investigation. XXXX I called in XXXX, XXXX and XXXX and now has a balance and they said they were were doing a fraud investigation and still wont close account. I dont have access, dont know account number and. Can not get them to close it. Today XX/XX/XXXX found out there was no fraud alert and wasnt being investigated like I was told the past two phone calls In XXXX and XXXX Now they are saying there is a late payment on the XXXX balance and they increase the credit limit. They refuse to close or help 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 explanation
Consumer complaint received 2025-09-06 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$26000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  BALANCE : {$1800.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX BALANCE : {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-09-06 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: SANTANDER HOLDINGS USA, INC.
State: PR

Complaint narrative:
I am disputing a charge-off account reported by XXXX XXXX  on my credit report ( Account number : XXXX ). I submitted a dispute under FCRA 611 and a written demand under UCC 9-210 and FDCPA 809 ( On July-30-2025 ) requesting ownership documentation. XXXX XXXX  responded, but failed to provide the original contract, assignment records, pooling and servicing agreement, or bill of sale. This means they have not validated legal ownership or servicing rights.

Reporting without proof of ownership violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ). XXXX XXXX continues to report this account with a derogatory charge-off status despite lacking standing to do so. 

I request that the CFPB : Investigate XXXX XXXX  right to report this tradeline Require deletion of the account if ownership can not be verified Review whether they are compliant with federal credit reporting and debt collection laws All disputes and validation requests were sent via certified mail with return receipt signatures, and I have retained full evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
These accounts were opened without my knowledge or permission and are fraudulent. I suspect they may be the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct an immediate investigation into these accounts and remove any and all related information from my credit report. I am also requesting that a fraud alert be placed on my credit file to prevent further unauthorized activity. 

XXXX XXXX XXXX creditor : XXXX XXXX Balance details 0 % paid off Balance {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Account info Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1400.00} Balance updated XX/XX/XXXX Original balance {$1400.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$540.00} Balance updated XX/XX/XXXX Original balance {$540.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX 
Balance details {$0.00} paid off Balance {$1100.00} Balance updated XX/XX/XXXX Original balance {$1100.00} Account info Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Please confirm receipt of this letter and notify me in writing once the investigation has been completed. I expect this matter to be resolved within the timeframe allowed under the FCRA ( 30 days from receipt of this dispute ).

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 2025-09-06 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file by TransUnion regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) credit card account ( partial account number : XXXX XXXX XXXX XXXX XXXX XXXXAccount name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} According to my credit report, a 30-day late payment has been reported for XX/XX/XXXX, which is incorrect. I have reviewed my records, and I made a payment of {$170.00} on XX/XX/XXXX, which falls well within the appropriate billing cycle and should not have resulted in a late payment status for XXXX. 
The account is and has remained in open and current status, as reflected in the TransUnion report itself. Furthermore, the Payment Status is listed as Current, and there is no past due amount reflected for the account. This discrepancy suggests an inaccurate late payment notation, which is negatively impacting my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: BMW Financial Services NA, LLC
State: MS

Complaint narrative:
I co-signed for this vehicle for my father who is now deceased. I couldnt keep up the payments.

The info is wrong as it has me as main account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
My Credit Age should be XXXX  years and XXXX  months You have opened 2 accounts and XXXX accounts over XXXX  years. Keeping your oldest accounts open and in good standing helps your credit. 

Please immeditately return my credit age properly. As credit furnishers you have a right to report fair and accurate information. 

( I submitted a complaint with the FTC online, printed the form ) In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided Please investigate this matter and remove the fraudulent entry immediately.

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 2025-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
We sent a lump sum of {$15000.00} for our Mr. Cooper XXXX XXXX Mortgage to be recast to a lower payment. They calculated our new monthly payment amount wrong, as well as the incorrect new payment they calculated only lowered the amount going towards our principal amount every month but the interest they will collect remained the same.

Company response to consumer: Closed with explanation