vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
Complaint Description : I am submitting this complaint against TransUnion and Experian for inaccurate credit reporting. 

TransUnion and Experian are both reporting an auto loan account from XXXX XXXX XXXX as open with recent late payments, even though I have received the vehicle title and the lien has been officially released. This indicates that the account should be closed and no further delinquencies should be reported. 

Despite having clear documentation showing the lien was released, TransUnion and Experian have failed to update or remove this account. This is resulting in harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that TransUnion and Experian : Delete the XXXX XXXX account from my credit report Or, at minimum, update the account to show that it is closed with no balance and remove all late payments reported after the lien release I have previously attempted to dispute this directly. I am attaching a copy of the vehicle title and the credit report showing the 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXXXXXX XXXX XXXX GA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$53.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
I am disputing the late payment reported on my credit file. My payment history confirms that all payments were made on time, making this entry inaccurate. This misreporting is unfairly damaging my creditworthiness and misrepresenting my financial reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute an account that has been wrongfully reported in my credit history. I have never entered into any agreement related to this account, and it is clearly the result of fraud. Its continued appearance is an error that compromises my credit standing.

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 2025-08-14 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: TX

Complaint narrative:
I am disputing a late payment recently reported on my credit file. My account records confirm that all payments were made timely, making the reported late payment factually incorrect. This misreporting is negatively impacting my creditworthiness and is unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: CA

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 Services , 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 CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} INQUIRIES : 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 2025-08-14 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-08-14 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fall short of the required standard of accuracy. These errors are causing significant and ongoing harm, both emotionally and financially. The impact is severe, and prompt action is essential.

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 2025-08-14 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:
MY NAME IS LISTED IN THE DATA BREACH FOR EXPERIAN, TRANSUNION AND EQUIFAX. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

ACCORDING TO THE FCRA LAW 15 US CODE 605B/ 15 US CODE 1666B.

IT IS ILLEGAL TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT MY PERMISSION. 

PLEASE DELETE : XXXX XXXX - ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT 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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I needed to transfer the registration from one state to another. I was told to go to court house in ohio to get a paper filled out requesting tittle to be sent to the state where I would be transferring the registration. I followed all their instructions by getting the paper and filling it out. I called Chrysler capital to make sure I sent it to the rite address and mailed it off. I waited 5 weeks to call to see if it was received and was to no. I called back two Weeks later and was told that they dont accept these letters being mailed in when it says on the automated message when you call there that you can mail it in and it gives you the address to use. I called yet again today XX/XX/year> and brought this up and was told it dont matter what the message or any other employee said they won't accept the letter by mail. This has left me with a car I'm paying over XXXX dollars a month for that I ca n't drive I've been cited once for expired registration which costs money. This company has also leaked my personal information. It's my only account with me and my sons information on it and a account was opened using my bank information with the account in my sons name. This company uses out of the country costumer service reps I'm 100 % sure this identity theft came from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX  XXXX ) says ( XXXX ) 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 XXXX  XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I have tried to reach this company for over XXXX  month. I have left on website emails and voicemails with the reference number they provided. I have requested a debt verification letter multiple times. The company will not respond to any writings or emails. They simply are demanding money. I left another message today and it stated my account is no longer available. I am requesting a written verification of the debt once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the reporting of a fraudulent account appearing in my credit history. I have never applied for, authorized, or maintained this account, and its reporting is entirely false. The presence of this inaccurate entry is severely damaging my credit profile and misrepresenting my financial integrity.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under XXXX XXXX of the Fair Credit Reporting Act. The specific information I am disputing is as follows : This account is a result of XXXX  XXXX  which is identity theft. FRAUDULENT ACCOUNTS : XXXX - {$0.00} - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20.00} - 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 2025-08-14 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: CA

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Original CFPB Complaint File Number : XXXX On XX/XX/year>, under the above file number, I submitted a request through the CFPB to XXXX, XXXX XXXX XXXX a security freeze on my consumer report as required by XXXX XXXX XXXXXXXX of the Fair Credit Reporting Act. My initial request included all federally recognized identity verification documents : a copy of my government-issued drivers license and a recent bank statement showing my name and address. 

On XX/XX/year>, XXXX responded through the CFPB portal. Their response admits they refused to place the freeze and instead demanded a copy of my Social Security card, a requirement that is not authorized anywhere in the FCRA for executing a freeze request. They also failed to place the freeze within the mandatory XXXX-business-day timeframe for written requests. 

This follow-up is being filed because the XXXX XXXX currently shows the matter as closed, despite FactorTrusts continued noncompliance. This case is not resolved. Closing complaints simply because a company responds, regardless of whether that response clearly demonstrates noncompliance, weakens the XXXX enforcement role and emboldens companies to ignore statutory duties. In this case, XXXX  own written statement, submitted via your platform, confirms that they violated XXXX XXXX. XXXX and imposed extra-statutory requirements to obstruct my lawful rights. 

Additional Enforcement Concern : The practice of reframing or delaying security freeze requests by demanding documents not required under federal law is becoming a widespread industry tactic. The CFPB should treat this as more than an isolated incident. Without active enforcement and penalties, CRAs will continue using these tactics to frustrate consumer rights. XXXX response here is a textbook example of that behavior, made in writing through your platform for all to see. 

I have attached my follow-up letter to XXXX, XXXX XXXX XXXX their violations, relevant case law, and formal demands for compliance.

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 2025-08-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX To : TransUnion Dear TransUnion I am writing to dispute the accuracy of the following entry on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX / XXXX Account Number : XXXX Reported Date Opened : XX/XX/year> Reported Status : Payment after charge-off / collection Upon reviewing my credit report, I noticed that the information listed above contains inaccurate and/or unverifiable details. Specifically : The accounts reporting status and history are not consistent across all three credit bureaus. 
Dates of last payment, balance updates, and status changes do not align with my records. 
Certain payment history months are incorrectly reported as late or delinquent despite having made payments. 

Because these inconsistencies call into question the accuracy of the accounts reporting, I request that you conduct a full investigation. Under the FCRA, you are required to verify the information within XXXX  days of receiving this dispute. If the creditor can not fully verify the accuracy of the reporting, I request that the account be deleted from my credit file. 

I have enclosed a copy of my government-issued ID and proof of address to help you verify my identity. 

Thank you for your prompt attention to this matter. Please provide me with a written response detailing the outcome of your investigation. 

Sincerely 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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX to Offer Hardship Options Details of the complaint : I have an auto loan with Capital One Auto Finance. I have made over {$10000.00} in on-time payments, yet almost none of this has been applied to my principal balance. Nearly all payments have gone to interest. 

When I contacted Capital One to request assistance due to financial hardship ( loss of income ), they refused to lower my payment, reduce my interest rate, or apply past payments toward principal. They informed me there were no hardship options available, despite my consistent payment history and willingness to work out an arrangement to avoid default. 

I believe this is unfair and possibly predatory loan servicing. XXXX XXXX  refusal to offer any temporary relief forces me toward repossession, despite my efforts to keep the account current. Their payment application structure results in significant financial harm, as the principal barely decreases even after years of payments.

Company response to consumer: Closed with explanation