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

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : 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 XXXX XXXX XXXX XXXX XXXX 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
the accounts on my report have been reportedly wrong XXXX XXXX  XXXX bank # XXXX XXXX XXXX XXXX  bank # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  lending # cltifq

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

Complaint narrative:
the accounts on my report have been reportedly wrong XXXX XXXX  XXXX bank # XXXX XXXX XXXX XXXX  bank # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  lending # cltifq

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 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have applied for a mortgage loan from Navy Federal Credit Union. 
My XXXX son and I receive Social Security Survivors benefits due to my husband been deceased. 
I have submitted the benefits letter from Social Security showing the type of benefits received, when it started and with no expiration date. Our benefits letter stated the type of benefits received is survivors., not XXXX. 
Navy Federal accepted my benefits letter but for my son is requesting Social Security to show continuation in the next three years. 
I have provided the benefits letter and all documents pertaining to the benefits showing no expiration date. 
I have explained that Social Security does not provide a continuance letter, but the underwriter is still insisting to have one in order to approve the loan. 
I feel this is unfair for the bank to request a continuance letter and will perhaps use it to deny the loan, knowing Social Security doesn't provide such a document and there's no expiration date on the letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Date : [ MM/DD/YYYY ] XXXX XXXX To : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau ] Subject : XXXX of Inaccurate Credit Information Under 15 U.S.C. 1681i Dear [ Credit Bureau Name ], I am formally disputing inaccurate and/or fraudulent information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This statute requires that consumer reporting agencies investigate disputed information and remove or correct any item that is inaccurate, incomplete, or unverifiable. 

The following account ( XXXX ) are being reported in error and must be deleted from my credit file : XXXX Name : [ Insert Name ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX  bank usa na XXXX XXXX XXXX  na XXXX XXXX Account Number : [ Insert Number ] Date Opened/Reported : [ Insert Date ] XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX bank usa na XX/XX/XXXX XXXX XX/XX/XXXX Capital one na XX/XX/XXXX XXXX XXXX Reason : [ Fraudulent/ Not My Account / Inaccurate Balance / Unverifiable Information ] I did not authorize or open this account, and it is the result of fraudulent activity. Because this account can not be verified as accurate, complete, and legally mine, I am requesting its immediate removal in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Date : [ XXXX ] XXXX XXXX To : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau ] Subject : XXXX of Inaccurate Credit Information Under 15 U.S.C. 1681i Dear [ Credit Bureau Name ], I am formally disputing inaccurate and/or fraudulent information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This statute requires that consumer reporting agencies investigate disputed information and remove or correct any item that is inaccurate, incomplete, or unverifiable. 

The following account ( XXXX ) are being reported in error and must be deleted from my credit file : XXXX Name : [ Insert Name ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX na XXXX XXXX Account Number : [ Insert Number ] Date Opened/Reported : [ Insert Date ] XXXX XXXX XX/XX/XXXX Wells Fargo XX/XX/XXXX XXXX XXXX bank XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX na XX/XX/XXXX XXXX XXXX Reason : [ Fraudulent/ Not My Account / Inaccurate Balance / Unverifiable Information ] I did not authorize or open this account, and it is the result of fraudulent activity. Because this account can not be verified as accurate, complete, and legally mine, I am requesting its immediate removal in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

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 2025-09-09 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 a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> 2025

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 2025-09-09 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: NJ

Complaint narrative:
TransUnion has violated the FCRA by mishandling disputes, reinserting deleted accounts without notice, and verifying inaccurate information. XXXX XXXX XXXX is falsely reported as a repossession since XXXX, though I continued paying and fully satisfied the loan. XXXX XXXX XXXX XXXX is misreported as unpaid despite being paid off over XXXX years ago. XXXX XXXX, XXXX, XXXX, and XXXX XXXX contain fraudulent charges, improper collection notations, or were manipulated by lowering credit limits to appear over-limit. XXXXXXXX XXXX XXXXXXXX / XXXX loans were previously deleted but reinserted without notice in violation of 1681i ( a ) ( 5 ) ( B ). My reports also contain numerous late payments, delinquencies, charge-offs, and derogatory comments that are inaccurate, unverifiable, and tied to identity theft. Under XXXX, these must be blocked within XXXX business days. 
TransUnion reinserted previously deleted accounts, including XXXX. XXXX XXXXXXXX / XXXX loans, without providing the notice required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These loans involve disputed and fraudulent information, and I am invoking my rights under 1681c-2 to demand deletion within 4 business days, supported by my FTC Identity Theft Report. TransUnion has also verified inaccurate accounts ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX ) without proof, ignored fraudulent charges, and allowed over-limit reporting caused by creditors lowering limits. XXXX actions violate XXXX681e ( b ), 1681i ( a ), and 1681c-2 and have caused direct harm. 
TransUnion has also been implicated in a major consumer data breach, further showing its failure to protect and ensure accuracy of consumer files.

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 2025-09-09 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: NM

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-09 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: NJ

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm.

For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-09 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: TX

Complaint narrative:
I went to buy a car because my old car needed at lot of work so I went into the Suburu dealership to buy need another car and the dealer said my credit was bad and at this time I couldn't by a car. The dealer told me that I need to check my credit report. According to of 15.U.S.C 1681 law there should not be any damages to my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I went to buy a car because my old car needed at lot of work so I went into the Suburu dealership to buy need another car and the dealer said my credit was bad and at this time I couldn't by a car. The dealer told me that I need to check my credit report. According to of 15.U.S.C 1681 law there should not be any damages to my credit report. 

These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-09-09 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. 

Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX * * * * - Date Opened : XX/XX/XXXX - {$1300.00}, XXXX XXXX CO XXXX * * - Date Opened : XX/XX/XXXX - {$0.00} fraudulent inquiries off of my report : XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-09-09 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: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I am a victim of identity theft. As a result of the XXXX  data breach, fraudulent accounts and/or inquiries have been reported in my credit file without my knowledge or authorization.

Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act, I formally request that XXXX block and delete all accounts, inquiries, and information resulting from identity theft from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I was shopping for an engagement ring at XXXX XXXX in XXXX XXXX XXXX. I was interested in their financing plan, which had a reportedly zero interest for military. I talked to them to see if it was applicable to me, and gave some information. Today I recieved an unsolicited credit card in the mail and when I called to cancel it was told that their system was frozen. 

The card has a fee AND a 36 % interest rate. I did not ask for this card, and resent that it could be used against ( or for ) my credit. I do not want this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: OR

Complaint narrative:
CEASE AND DESIST VIOLATIONS. MASSIVE DATA BREACH AND ALL MY INFO WAS HACKED. NO WRITTEN CONSENT TO FURNISH INFORMATION EVER PROVIDED TO CRA 's. 
CRA 's continue to report derogatory, inaccurate, unverified, accounts with unknown and partial account numbers. CRA 's Refuse to remove fraudulant unverified and incorrect XXXX and XXXX XXXX accounts. All information was sent including XXXX UNABLE to LOCATE ANY ACCOUNT WITH MY LEGAL NAME. 
CRA ' s have not updated or provided updated credit report as requested in formal dispute that accompanied cease and desist letter. 
Partial account numbers shown are in violation of Metro 2 compliance, never fully verified in violation of numerous FCRA, Fdcpa, UCC, CFR name variations are false and any account without my legal name need to be removed. 
Several CFPB complaints closed without action. 
All proper identifying information was sent to each CRA via certified letter and signed as received.

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 2025-09-09 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with an inaccurate account reported on my credit report. Specifically, the account in question is XXXX  ( XXXX ) with a reported balance of {$4100.00}. The account shows the following late payment history : Late 90 Days : XX/XX/XXXX Late 120 Days : XX/XX/XXXX Open Date : XX/XX/XXXX After reviewing this account, I believe there is a significant inconsistency in how the late payments are being reported. According to standard credit reporting guidelines, late payments should follow a logical progressionstarting with 30 days late, followed by 60 days late, 90 days late, and 120 days late if applicable. However, in this case, the report skips the initial 30-day and 60-day late payments, jumping directly to 90 and 120 days late. This discrepancy has raised concerns that the account is not being reported correctly and XXXX be inaccurately impacting my XXXX score. 

As stated in FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate and truthful information to credit reporting agencies. Additionally, FCRA 605 ( a ) ensures that negative information remains on a credit report for no more than XXXX years from the date of first delinquency, and FCRA 611 ( 15 U.S.C. 1681i ) gives me the right to dispute inaccuracies in the information reported. This account does not align with the proper sequence of late payments, and I believe it should be corrected to reflect the accurate payment history. 

I am reaching out to file this formal complaint and request that the credit bureaus and XXXX take immediate action to correct this reporting error, as it is causing unnecessary harm to my credit report.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: AR

Complaint narrative:
I am disputing the way Sezzle is reporting my account to the credit bureaus. Their previous response through the CFPB was inadequate and failed to provide documentation to support their claims. 
XXXX. Failure to Provide Proof of Opt-In : Sezzle claims I opted into Sezzle Up on XX/XX/year>, and authorized them to furnish my payment history. However, they have never provided a signed agreement, timestamp, or digital record showing my consent. If they are asserting authorization, they are required to show proof. 
XXXX. Contradictory XXXX ( XXXX vs XXXX XXXX ) : The account is reported as a charge-off but is also shown with ongoing past due amounts. This is misleading and inaccurate reporting. A charged-off account can not continue to accrue past due balances. 
XXXX. Misrepresentation of Furnisher Responsibility : Sezzle has stated that credit bureaus manage and update the information, shifting responsibility away from themselves. This is inaccurate. Under FCRA XXXX, furnishers are directly responsible for reporting accurate information and correcting errors once notified.

Company response to consumer: Closed with explanation