vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I disputed multiple inaccurate, incomplete, and conflicting accounts being reported by Experian. Instead of conducting a lawful and reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), Experian sent me a mixture of inconsistent and contradictory results that clearly show no real investigation occurred. 

For example, Experian deleted XXXX XXXX XXXX account, but then marked the exact same account number as Verified and Updated on a duplicate listing. It is not possible for the same account to be both deleted and verified at the same time unless Experians investigation process is unreliable or Experian is maintaining inaccurate duplicate files. 

Several furnishersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXwere marked as Verified and Updated or Remains without Experian providing any documentation, contracts, applications, billing statements, or original account-level evidence proving these accounts actually belong to me, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Experians responses appear to be nothing more than automated CDV/AUD responses from furnishers, not actual verification. Experian failed to obtain or review the underlying documentation. This is not a reinvestigationit is a rubber-stamp response. 

Experian is continuing to report accounts with : inconsistent statuses duplicate entries unverifiable balances conflicting dates no documentation and proven errors ( as shown by the XXXX XXXX deletion ) The inconsistent findings show Experians system is unreliable and Experian did not perform the legally required reasonable reinvestigation. Because of these failures, Experian is knowingly continuing to publish inaccurate information about me in violation of FCRA 607 ( b ), 611 ( a ), and 623 ( 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 non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I disputed multiple inaccurate, incomplete, and conflicting accounts being reported by Experian. Instead of conducting a lawful and reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), Experian sent me a mixture of inconsistent and contradictory results that clearly show no real investigation occurred. 

For example, Experian deleted XXXX XXXX XXXX account, but then marked the exact same account number as Verified and Updated on a duplicate listing. It is not possible for the same account to be both deleted and verified at the same time unless Experians investigation process is unreliable or Experian is maintaining inaccurate duplicate files. 

Several furnishersXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXwere marked as Verified and Updated or Remains without Experian providing any documentation, contracts, applications, billing statements, or original account-level evidence proving these accounts actually belong to me, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Experians responses appear to be nothing more than automated CDV/AUD responses from furnishers, not actual verification. Experian failed to obtain or review the underlying documentation. This is not a reinvestigationit is a rubber-stamp response. 

Experian is continuing to report accounts with : inconsistent statuses duplicate entries unverifiable balances conflicting dates no documentation and proven errors ( as shown by the XXXX XXXX deletion ) The inconsistent findings show Experians system is unreliable and Experian did not perform the legally required reasonable reinvestigation. Because of these failures, Experian is knowingly continuing to publish inaccurate information about me in violation of FCRA 607 ( b ), 611 ( a ), and 623 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's XXXX reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-12-05 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: NE

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-12-05 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:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate 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 non-monetary relief
Consumer complaint received 2025-12-05 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: OH

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found several hard inquiries that I did not authorize. These include, but may not be limited to : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX I have not applied for credit cards, auto loans, or other credit products with these companies, nor did I authorize these inquiries. I am concerned these may be the result of identity theft or an error. 
I have contacted the credit bureau ( s ) to dispute these inquiries and requested an investigation, but the issue remains unresolved. 
I am requesting that these unauthorized inquiries be removed from my credit report as they were made without my consent and are negatively impacting my credit score. Please investigate and take appropriate action to correct my credit file.

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 2025-12-05 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: SC

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA 605B, 607 ( b ), 609 ( a ), 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ) regarding multiple inaccuracies on my [ XXXX ] credit report XXXX After reviewing my file, I identified numerous unauthorized and inaccurate hard inquiries, including XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX others, which I did not authorize and are likely the result of identity misuse or mixed-file errors. I am also disputing several unverified or potentially fraudulent collection accounts, including XXXX XXXX ON XXXX XXXX XXXX ( {$2600.00} ), XXXX  XXXX * * * * * ( {$1700.00} ), and XXXX XXXX  XXXX * * ( {$1700.00} ), for which I have no knowledge, never received bills, and never authorized services ; under federal law, I am requesting all verification documentation, and if unavailable, these accounts must be deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ). Additionally, I dispute inaccurate charge-off accounts, including XXXX XXXX XXXX * * * * * * ( {$130.00} and {$700.00} ), XXXX XXXX * * * * ( {$200.00} ), and CAF XXXX XXXX * ( {$250000.00} ), which report inconsistent statuses and unverifiable information ; if the furnishers can not validate all fields, these must be removed under FCRA 623 ( a ) ( 1 ) ( A ). I request a full reinvestigation of all disputed items, immediate deletion of unverifiable information, and written confirmation of the results, as these inaccuracies continue to negatively affect my creditworthiness, and I have enclosed supporting documentation for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA 605B, 607 ( b ), 609 ( a ), 611 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ) regarding multiple inaccuracies on my [ XXXX ] credit report XXXX After reviewing my file, I identified numerous unauthorized and inaccurate hard inquiries, including XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX others, which I did not authorize and are likely the result of identity misuse or mixed-file errors. I am also disputing several unverified or potentially fraudulent collection accounts, including XXXX XXXX ON XXXX XXXX XXXX ( {$2600.00} ), XXXX  XXXX * * * * * ( {$1700.00} ), and XXXX XXXX  XXXX * * ( {$1700.00} ), for which I have no knowledge, never received bills, and never authorized services ; under federal law, I am requesting all verification documentation, and if unavailable, these accounts must be deleted pursuant to FCRA 611 ( a ) ( 5 ) ( A ). Additionally, I dispute inaccurate charge-off accounts, including XXXX XXXX XXXX * * * * * * ( {$130.00} and {$700.00} ), XXXX XXXX * * * * ( {$200.00} ), and CAF XXXX XXXX * ( {$250000.00} ), which report inconsistent statuses and unverifiable information ; if the furnishers can not validate all fields, these must be removed under FCRA 623 ( a ) ( 1 ) ( A ). I request a full reinvestigation of all disputed items, immediate deletion of unverifiable information, and written confirmation of the results, as these inaccuracies continue to negatively affect my creditworthiness, and I have enclosed supporting documentation for verification.

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 2025-12-05 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: FL

Complaint narrative:
INACCURATE ACCOUNTS. THIS ACCOUNT DOES NOT BELONGS 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 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I purchased a use vehicle using a company I grew to learn as santander consumer. 
I was making my payment to fine for over XXXX yrs then times have changed. XXXX $ a month payments. 18 % interest. At this point I asked to refinance which they dont offer. 
I try refinancing through other companies but they car is worth half of what is owed. 
I was still attempting the payments any ways possible im stuck in this horrible loan with no way out! 
Fast forward to nowish and the cars motor is about to blow due to oil usage with only XXXX miles and im still attempting to pay this loan. 
It has now been repossessed. 
I was never explained or told anything about gap coverage... I was also sold XXXX warranties on the vehicle that never did anything which I paid thousands for.... 
Santander consumer has got to be the worst loan company not to even mention the fees charged to pay your loan...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
In XXXX, someone used my personal information without my permission to obtain an apartment at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I did not apply for this apartment, did not sign a lease, and did not live there. 

A collection for {$3800.00} was then reported on my credit reports by National Credit Systems , Inc. as XXXX XXXX XXXX. On my credit reports, National Credit Systems reports this as a rental/leasing collection with a first delinquency date of XX/XX/XXXX and a collection/assignment date of XX/XX/XXXX. The collection first appeared on my XXXXXXXX report around XXXX XXXX. 

I disputed this account as identity theft with the credit bureaus and had XXXX send a cease-and-desist letter regarding this collection and the use of my information. I also asked for proof that this debt was mine, such as a lease or application. XXXX XXXX XXXX told me that someone with my name and date of birth lived there but would not provide any documentation showing that I agreed to this apartment or owed this balance. National Credit Systems has not provided any documentation to me either. 

XXXX  ultimately removed the National Credit Systems / XXXX XXXX {$3800.00} collection from my credit file in XX/XX/XXXX after my dispute. XXXX  however, reports that National Credit Systems verified the debt as accurate, so XXXX is still reporting it as an unpaid collection but marked as consumer disputes this account information. I never authorized this rental, and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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 2025-12-05 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: FL

Complaint narrative:
I am submitting this complaint as my fifth request for the removal of multiple inaccurate accounts and unauthorized inquiries that continue to appear on my credit reports despite previous disputes and removal requests. The XXXX XXXX XXXX XXXX XXXX  with a reported balance of {$4700.00} * * continues to appear on Experian, Equifax, and TransUnion, yet this account has never been properly verified, nor has a 1099-C been issued for this debt over {$600.00}, making its reporting unverifiable and legally impermissible under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2. Despite multiple prior requests, this account remains on my credit reports, creating a false and misleading representation of my financial history, and negatively impacting my creditworthiness. 
Similarly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  continue to appear on one or more credit bureaus without proper verification. The continued reporting of these unverifiable accounts demonstrates a clear failure of both the furnisher and the credit reporting agencies to comply with federal law, and it continues to misrepresent my financial standing to potential lenders and creditors. 
In addition to these unverifiable accounts, several inquiries remain on my credit reports without my authorization. On Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> continue to appear even though I never applied for credit with these entities and never authorized access to my consumer report. Equifax also reports XXXX XX/XX/year>, XXXX XX/XX/year>, and XXXX XX/XX/year>, none of which were authorized. These unauthorized inquiries violate FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) & 604 ( f ) 15 U.S.C. 1681b ( a ), ( f ), which strictly limit access to consumer reports to entities with a permissible purpose. 
The repeated failure to remove these unverifiable accounts and unauthorized inquiries has caused ongoing harm, including stress, financial difficulty, and potential denial of credit. I have made every reasonable effort to resolve this matter through prior disputes, yet these items persist. As a consumer, I am entitled under federal law to have only accurate, verifiable, and authorized information reported on my credit files, and I am now formally demanding that your bureaus comply.

Company response to consumer: Closed with non-monetary relief