vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXX XXXX, Acct # : XXXX Reported XX/XX/XXXX, {$9200.00} XXXX, Acct # : XXXX Reported XX/XX/XXXX, {$0.00} XXXX  Acct # : XXXX Reported XX/XX/XXXX, {$0.00} XXXX Acct # XXXX XXXX Reported XX/XX/XXXX, {$0.00} Issue : These charge-offs appear inconsistent and potentially outdated. Please confirm whether these accounts are within the 7-year reporting limit and verify their accuracy with the original furnishers. 

Inquiries XXXX XXXX XXXX dated XX/XX/XXXX XXXX CARD, dated XX/XX/XXXX Issue : I do not recall authorizing these inquiries. Please provide verification showing permissible purpose. If they can not be verified, I request removal. 

Late Payment Accounts XXXX XXXX XXXX Acct # : XXXXXXXX XXXX  Acct # : XXXX XXXX Acct # : XXXX XXXX, Reported Late on XX/XX/XXXX Issue : These late payments may be incorrectly reported or not verified by the furnishers. Please investigate and update or remove any inaccurate entries.

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 2025-11-12 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-12 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
XXXX. The inquiry was not authorized XXXX XXXX  XX/XX/2025 Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX CARD XX/XX/2025 Please remove this inaccurate information from 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of 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 2025-11-12 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: UT

Complaint narrative:
XXXX XXXX has reported multiple late payments on my auto loan despite the fact that I had formal payment arrangements and agreements with their representatives at the time. 

I maintained open communication with Chrysler Capital and worked in good faith to address temporary payment delays. Representatives confirmed that certain payments would be deferred or rescheduled under specific hardship or catch-up agreements. Despite this, XXXX XXXX  later reported these periods as late, which I believe is misleading and inaccurate. 

This has caused a significant negative impact on my credit report, lowering my score and harming my ability to qualify for credit and other financial opportunities. Their actions demonstrate a failure to honor agreed-upon terms and a violation of fair credit reporting practices under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 a dispute regarding the following accounts listed on my credit reports. I request that you investigate these accounts as they appear to contain inaccurate information or discrepancies that are affecting my credit standing. Please find the details of the accounts I am disputing below, separated by each credit bureau. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
I am writing to dispute the following items on my credit report, as I believe they contain inaccuracies. Please review the details for each bureau below and provide a resolution. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$340.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$930.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$230.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$590.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-12 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: VA

Complaint narrative:
I am filing this complaint because a collection account that does not belong to me continues to appear on my credit reports with the major credit bureaus, despite multiple disputes and attempts to resolve the matter directly. 

This inaccurate account was first noticed several months ago, and I immediately filed disputes with all three major credit reporting agencies ( TransUnion, XXXX, and XXXX  ). I provided clear statements that this account is not mine, and I requested deletion pursuant to the Fair Credit Reporting Act ( FCRA ) 611, which requires credit bureaus to conduct a reasonable investigation and correct or delete unverifiable or inaccurate information within 30 days. 

Despite these repeated disputes, the bureaus have continued to verify and report this false collection account. This has caused me ongoing harm, including damage to my creditworthiness and emotional distress due to being held responsible for a debt that is not mine. 

Details of Violation : The account in question does not belong to me and is being falsely reported to the credit bureaus.The collection company responsible for furnishing this data to the credit bureaus has failed to verify ownership or provide documentation linking this account to me. Therefore, their continued reporting violates the FCRAs requirement for accuracy under 623 ( a ) ( 1 ) ( A ).

Violation Summary : This situation constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of consumer information.

FCRA 611 : Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or believed to be 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 2025-11-12 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:
I have disputed this account with XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Original creditor : XXXX XXXX XXXX who sold this debt. Over 75 days ago, I have requested debt validation through disputing this debt with the collections company and it has been disregarded and has been placed back on my credit profile as verified without providing any proof as to how. 

My income was never used or applied in the creation of the lease or obligation ; therefore, I was not a financially responsible party under any valid agreement, and No verified documentationsuch as a signed lease, proof my income was used, itemized accounting of the amount claimed ( including all principal, interest, fees, payments, and other charges that form the total balance ), and proof of assignmenthas been produced to substantiate the alleged balance ( including the full chain of title from the original creditor to your company redacting pricing terms are acceptable, but the documentation must identify the account in question. )

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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
My mortgage with XXXX XXXX was recently transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper. My payment with XXXX XXXX has always been paid thru my bank 's XXXX in the amount of {$500.00} XXXX the XXXX of each month,. When the loan was transferred I was sent emails assuring me no changes would be made to my account and any payments made to XXXX XXXX during the transition period would be credited to the new company. On XX/XX/XXXX, payment was made to XXXX XXXX. Two weeks later another payment was made on XX/XX/XXXX. On XX/XX/XXXX another payment was presented to my bank for payment. I have put a stop payment on this and have discovered that these payments are being made on auto-draft. I was not approached with this option. I neither approved nor agreed to auto draft every two weeks. I am retired living on Social Security alone in the amount of $ XXXX monthly. How they think I can afford {$1000.00} a month on a mortgage I've had for 20 yrs, is beyond me. When I try to call them, I get a repetitive computer telling me to press this and it needs more information. My banker finally got thru to them last Friday XX/XX/XXXX. I spoke with XXXX who told me there was no email record ( although I have them printed out ) stating I am being drafted. She also told me there was no fax number I could use to send a copy of this email stating I would be sending yet another payment on XX/XX/XXXX, She advised my account was current thru XX/XX/XXXX when another payment would be processed. I have tried again to get a human on the phione, but if they don't have a fax number (? ) they probably don't have a lot of people on staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report. Please find below the details of the accounts I am disputing, separated by credit bureau. 

CHARGED OFF XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2500.00} Issue : Discrepancy in reporting. 

XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$800.00}

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 2025-11-12 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 dispute regarding inaccuracies on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( XXXX ). Below are the accounts that I believe contain errors and require your investigation and correction. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries : [ No inquiries listed for dispute ] Positive Accounts : [ No positive accounts listed for dispute ] Late Payments : 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 non-monetary relief