vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus ( Experian, Equifax, and/or TransUnion ) are misreporting the payment history and account status of my XXXX XXXX XXXX account , including a 30-day late payment that is factually incorrect. This derogatory entry does not reflect my actual payment behavior and appears to be either fabricated or inserted without verification. I have submitted disputes, but the bureaus continue to report this false information, in violation of 15 U.S.C. 1681e ( b ) and 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ).

This misreporting has negatively affected my credit score, financial standing, and access to favorable credit terms. Their refusal to properly investigate and correct the inaccuracydespite being notifieddemonstrates willful noncompliance and negligence.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
My identity was stolen used to cash a check from a loan company called Mariner Finance. I have never conducted business with this company, requested a check, nor signed any written contract to receive one. They claim have sent me a check without my or authorization, which was subsequently and used. I contacted the loan company, and they required me to complete forms and file police, only to deny removing the account my credit report. I have never had any dealings with this company and are in violation of the Fair Credit Reporting by reporting false on my credit report. I demand that this be removed immediately avoid action. It unprofessional and predatory for company to send checks without individuals ' identities confirmed. When I spoke to the financial manager at head office in Maryland, she was extremely rude and unprofessional, questioning the police had not yet investigated the matter despite filing a report. I explained that I am not a police officer and can not compel them to act as there is likely a prioritization process for handling cases. This company operates in very shady manner As I stated if this account is removed my credit report within 10 business days, I will pursue legal action, potentially resulting in punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
There are unauthorized items on my credit report due to the fraudulent use of my personal information. I have not benefited from any of these transactions, and they have no connection to me. Taking this seriously, I filed a report with the Federal Trade Commission and followed the proper steps to resolve the issue. Despite that, these fraudulent entries remain on my report. It is unacceptable that I am still facing the consequences of someone elses actions.

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 2025-06-17 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXX XXXX XX/XX/scrub>XXXX XXXX XXXXXX/XX/year>

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 2025-06-17 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) 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 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/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 2025-06-17 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/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 2025-06-17 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: IL

Complaint narrative:
Please help me investigate accounts from these companies that are inaccurately listing late payments. Upon checking my credit report, I found certain accounts marked late, which is incorrect. There should be no late payment remarks on these accounts. Kindly remove those remarks and update the accounts to reflect the agreed positive status.

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 2025-06-17 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:
I am reaching out again to EQUIFAX to highlight my serious concern about certain details in my credit profile because the following items were never been addressed and never been taken care off. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent accounts and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} The dates reflected in here that I were late in making my payments were incorrect, I always paid on time plus they could not provide proof that I were really late in making my payments because I knew that I paid on time.Please remove all the late payments on this account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance {$4500.00} I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/XXXX, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. Please remove immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$2400.00} I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/XXXX, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. Please remove immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Date Opened XX/XX/XXXX Balance {$590.00} I was never notified of this alleged debt. Under the CFPBs new Debt Collection Rule that become effective XX/XX/XXXX, this collection agency is illegally reporting an unsubstantiated debt and never provided proper notice before reporting. Please remove immediately. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} I requested and investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation. Cease and desist all collection activities until you do! Remove immediately! 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} This company fraudulently claims that I owe them a debt. We have never had a contractual relationship and they have failed to provide lawful debt validation. Cease and desist all collection activities until you do! Remove immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Services Inc. Acct # : XXXX XXXX Reason : Reports a charge-off with an outstanding balance of {$20000.00}. No recent payments since XX/XX/XXXX and excessive aging without current validation. 

Violation : Potentially outdated reporting and failure to update account status accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXXB. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-06-17 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I called Navy Federal Credit Union XXXX ( XXXX ) about a letter I received yesterday about force closing my credit card. I spoke to two individuals one being a manager name XXXX and both individuals said they could not help me further because a decision was already made by the company to force close my credit card because they pulled my credit without my knowledge and my credit score was low due to non-payment or late payments of other accounts on the credit. I tried to explain my hardship with my spouse being ill with XXXX XXXX XXXX and unable to work that put us behind on all bills. I asked them to make the card inactive, but not to submit it as closed to the credit bureaus but they refused to. I would like for them to not report my account as closed and make it inactive so that I can continue to try to repair my credit. Can someone please assist me. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
RUBIN & ROTHMAN , LLC Claimed to represent XXXXXXXX XXXX against me. They were trying to collect for XXXX XXXX the amount of, {$9100.00} Their lawsuit claimed that the debt was discharged. 
XXXX XXXX Never sent me a 1099c, so I can claim the amount as income and pay tax on it. 

The lawsuit asked me to make an appearance XX/XX/year>. 
Civil court county of XXXX, XXXX XXXX XXXX XXXX 
I made the appearance I made the above point clear to the attorney present. 
I asked for futher Items from them to ascertain how the bank discharged the debt without sending me any 1099c, and hired attorneys that did not present any signed affidavit from the bank giving them authority over such information. 

Sent certified return receipt letters XX/XX/XXXX, XXXX XX/XX/year>. 

All I ever got was a run off of payments and no other paper work.

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 2025-06-17 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the XXXX 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. 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX INQUIRIES : XXXX XXXX Date : XX/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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-17 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  {$10000.00} XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$630.00} 4-16 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am disputing an account being reported by Upgrade and XXXX XXXX XXXX that lacks a legally valid agreement. Upgrade submitted an electronic signature certificate in response to my prior complaint, but it does not include required elements under Florida law ( XXXX XXXX. XXXX ) or the E-SIGN Act. There is no proof of identity, consent to e-sign, or device verification. 

Further, Upgrades letter confirms the account was sold to XXXX XXXX in XX/XX/XXXX, yet the tradeline is still being reported with no Form 1099-C issued. I never received a cancellation notice, and the continued reporting of the account is inaccurate and harmful. I request full removal of the tradeline and further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-17 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:
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 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 2025-06-17 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: MI

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