vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-05-22 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: WA

Complaint narrative:
XXXX, a federal student loan servicer, is violating the FCRA by refusing to investigate credit report disputes and falsely labeling them as " frivolous. '' This organization is systematically violating the Fair Credit reporting Act, the Higher Education Act ( HEA ), and the Consumer Financial Protection Act ( CFPA ). They have refused to investigate valid disputes. They have failed to provide me with proper verification documentation. They are blatantly misrepresenting Consumer Rights. These inaccuracies on my credit profile via ( XXXX, Transunion, XXXX  ), have significantly damaged my credit worthiness, leading to higher interest rates, denied loans, and emotional distress. XXXX 's actions constitute unfair, deceptive, and abusive practices under CFPA 1031.

Can you assist with this company not following direct laws?

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 2025-05-22 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: WA

Complaint narrative:
XXXX, a federal student loan servicer, is violating the FCRA by refusing to investigate credit report disputes and falsely labeling them as " frivolous. '' This organization is systematically violating the Fair Credit reporting Act, the Higher Education Act ( HEA ), and the Consumer Financial Protection Act ( CFPA ). They have refused to investigate valid disputes. They have failed to provide me with proper verification documentation. They are blatantly misrepresenting Consumer Rights. These inaccuracies on my credit profile via ( XXXX XXXX Equifax ), have significantly damaged my credit worthiness, leading to higher interest rates, denied loans, and emotional distress. XXXX 's actions constitute unfair, deceptive, and abusive practices under CFPA 1031.

Can you assist with this company not following direct laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: WA

Complaint narrative:
XXXX, a federal student loan servicer, is violating the FCRA by refusing to investigate credit report disputes and falsely labeling them as " frivolous. '' This organization is systematically violating the Fair Credit reporting Act, the Higher Education Act ( HEA ), and the Consumer Financial Protection Act ( CFPA ). They have refused to investigate valid disputes. They have failed to provide me with proper verification documentation. They are blatantly misrepresenting Consumer Rights. These inaccuracies on my credit profile via ( Experian, XXXXXXXX XXXX XXXX, have significantly damaged my credit worthiness, leading to higher interest rates, denied loans, and emotional distress. XXXX 's actions constitute unfair, deceptive, and abusive practices under CFPA 1031.

Can you assist with this company not following direct laws?

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 2025-05-22 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Im formally disputing the conflicting and inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). My XXXX  report shows the account as closed with a XXXX balance, while XXXX  lists it as open, 30 days past due, and carrying a {$3700.00} balance. This kind of inconsistency is unacceptable and violates my rights under the Fair Credit Reporting Act. Ive already made attempts to resolve this directly, but the errors continue. This ongoing misreporting is damaging my credit and putting me in an unfair position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
I am writing to formally dispute certain information being reported on my Experian credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and in light of previous data breaches affecting Experian, I respectfully request that you reinvestigate and remove the following accounts and inquiries which I believe are being reported inaccurately or without proper verification : Disputed Accounts : Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$96.00} Disputed Inquiries : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Please investigate these items and remove them if they can not be verified within the timeframe allowed under the FCRA. Attached are copies of my identification and proof of address for verification purposes.

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 2025-05-22 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: EQUIFAX, INC.
State: TX

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at this company and multiple others that have been presented in court cases and closed. I did not open or authorize any services this account, and I therefore request that it be closed immediately. I also request that Capital One absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. I have reached out to this company and also sent an Identity Theft Affidavit and never received a response. When I reached out to this company I was told that due to the address used matched the address used on the account there are choosing to dismiss my dispute and that I can not request another dispute for this account to be further investigate which is a violation of the Fair Credit Act. Along with the dispute I included information that my address has been used to conduct fraud and that my address is under investigation and on top of that we are having issues with receiving mail in the neighborhood. At times it can take up to 2 to 3 weeks to receive mail. Sometimes we have to go to the post office to get mail if someone returned it. This account along with another Capital One account has been removed from my credit file. Before reaching out to this company I disputed this account through the third party and it has been closed due to identity theft. I don't understand why this company is unfairly giving me a hard time and revoking my right to dispute. Under the FDCPA I have the right to dispute this account. This is unfair and my life has been turned up side down and I am willing assist with persecution of any kind. I also request that this company investigate this matter to its entirety and close this account and take the steps required under the Fair Credit Reporting Act, and send me a letter explaining their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Changed Inc.
State: CO

Complaint narrative:
XXXX I believe was the date but it could have been earlier. I had signed up for an app called changed and discovered it didn't perform as advertised and didn't fit my needs. they had a 14 day money back guarantee if canceled within that time. I canceled it within minutes of signing up after discovering it didn't fit my needs. their cancelation process is convoluted, requiring a multi step process and answering a mass spam of questions trying to make you offers and convince you to keep account, there was around 11 of them I think. finally after finishing I was told my account would not be canceled until after their review team contacted me with further questions and offers, and I received an email saying the cancelation was processed. I immediately sent them a message in their app saying I had requested a cancelation and that effective immediately their authorization to make any charges to my account was revoked. the confirmation email never arrived. a few days later, on the XXXX, there is a XXXX dollar charge made to my account. I have disputed it with the bank. When checking their app my account is still active and the pending cancelation request has been removed so I assume they simply refused to cancel. 

I have no other information to attach unfortunately as no emails have been sent to me at all.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Equifax, transunion ans experian is reporting a closed account from XXXX XXXX Account # XXXX XXXX ) that contains late payments and inaccurate information. 

I previously disputed this account and was told it was verified, but equifax, experian and transunion failed to provide any documentation to support that claim. They never provided a signed contract, historical billing statements, or any proof that authorizes this account to be reported in that manner. 

I never gave consent for this information to be reported, and I did not sign any agreement allowing XXXX  or any data furnisher to continue reporting this closed account with negative payment history. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 and 609. Equifax had 30 days to investigate my original dispute and failed to do so properly. Now they continue reporting harmful and unverifiable information, which is impacting my creditworthiness.

I am requesting that the CFPB require Equifax, Experian and Transunion to immediately and permanently delete this inaccurate account from my credit report. I am also attaching my ID, utility bill, and the credit report showing the disputed entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Equifax, transunion ans experian is reporting a closed account from XXXX XXXX Account # XXXX XXXX ) that contains late payments and inaccurate information. 

I previously disputed this account and was told it was verified, but equifax, experian and transunion failed to provide any documentation to support that claim. They never provided a signed contract, historical billing statements, or any proof that authorizes this account to be reported in that manner. 

I never gave consent for this information to be reported, and I did not sign any agreement allowing XXXX  or any data furnisher to continue reporting this closed account with negative payment history. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 and 609. Equifax had 30 days to investigate my original dispute and failed to do so properly. Now they continue reporting harmful and unverifiable information, which is impacting my creditworthiness.

I am requesting that the CFPB require Equifax, Experian and Transunion to immediately and permanently delete this inaccurate account from my credit report. I am also attaching my ID, utility bill, and the credit report showing the disputed entry.

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 2025-05-22 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: AR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 2025-05-22 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: GA

Complaint narrative:
I am a victim of identity theft. There are several inquiries and 3 negative fraudulent accounts on the 3 reporting agencies. I never gave anyone permission or authorization to open these accounts. XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXXXXXX XXXX account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I am a victim of identity theft. There are several inquiries and 3 negative fraudulent accounts on the 3 reporting agencies. I never gave anyone permission or authorization to open these accounts. XXXX XXXX XXXX account number XXXX, XXXX account number XXXX, XXXXXXXX XXXX account number 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