vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NC

Complaint narrative:
Ive recently become a victim of a data breach, and unauthorized accounts have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ), I am requesting the blocking and deletion of the following accounts within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$180.00}

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian Report # XXXX Inaccurate Information Remains After Dispute I filed a dispute with Experian regarding inaccurate information on my credit report. The dispute investigation is marked as completed, but the following accounts were not corrected or removed : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Experian marked both as Verified and Updated without removing the inaccurate items. I requested the inaccurate accounts be removed due to either being misreported or not valid, yet no evidence was provided by Experian or the furnishers to support their accuracy.

I am requesting assistance because : 1. I believe Experian did not properly verify the information.

2. I have requested the method of verification and Experian has not yet responded.

3. The accounts are harming my credit profile despite being inaccurate.

I am requesting : A full reinvestigation.

A copy of the documents used to verify the accounts.

Removal of these items if they can not be properly validated.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian Report # XXXX Inaccurate Information Remains After Dispute I filed a dispute with Experian regarding inaccurate information on my credit report. The dispute investigation is marked as completed, but the following accounts were not corrected or removed : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Experian marked both as Verified and Updated without removing the inaccurate items. I requested the inaccurate accounts be removed due to either being misreported or not valid, yet no evidence was provided by Experian or the furnishers to support their accuracy.

I am requesting assistance because : 1. I believe Experian did not properly verify the information.

2. I have requested the method of verification and Experian has not yet responded.

3. The accounts are harming my credit profile despite being inaccurate.

I am requesting : A full reinvestigation.

A copy of the documents used to verify the accounts.

Removal of these items if they can not be properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cohen & Cohen Law, LLC
State: NJ

Complaint narrative:
I am disputing a judgment obtained by Cohen and Cohen Law LLC on behalf of XXXX XXXX, XXXX under case number XXXX in the amount of {$22000.00}. This debt is not mine. I did not apply for, authorize, or open any account with the plaintiff, nor did I enter into any agreement that would justify this legal action. This is a clear case of identity theft. The judgment entered is fundamentally flawed, unsupported, and obtained without proper verification, documentation, or my informed participation. Cohen and Cohen Law LLC proceeded with legal action without complying with the Fair Debt Collection Practices Act under 15 USC 1692g, which requires debt collectors to provide written validation and documentation of a debt prior to pursuing any legal remedy. No itemized billing, no contract, and no proof of any transaction bearing my signature or authorization has ever been provided. Additionally, this action violates the Fair Credit Reporting Act under 15 USC 1681b, which prohibits accessing or using a consumer report without a valid permissible purpose. I never gave written consent for this debt to be reported or pursued. The failure to verify the alleged debt, combined with the absence of permissible purpose, reflects willful and negligent noncompliance with federal law. The resulting judgment has caused severe emotional distress, financial hardship, and serious damage to my reputation, all based on fraudulent and unverified information. I was never given a fair opportunity to respond, raising serious due process concerns. I am preparing to file a police report in the coming days to formally document this identity theft. Once filed, I will provide it to further support my claim. I am demanding the immediate dismissal and vacatur of this judgment, removal of all related entries from my credit report, and an investigation into how this action was allowed to move forward based on false information and in violation of my federally protected rights. I am requesting assistance from the Consumer Financial Protection Bureau to hold this law firm and the plaintiff accountable. Regulatory intervention is urgently needed to correct this injustice and to ensure no further harm is caused by this unlawful and deceptive practice. I expect a prompt and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I received an email from XXXX XXXX XXXX on XX/XX/XXXX stating that they were going to charge me a late fee because my car payment had not been paid. I called Santander bank because the payment should have been done through bill pay. I called them on XX/XX/XXXX and asked the account to be closed, and to let them know I will take care of the payment myself to avoid the late fee. However, on XX/XX/XXXX I learned that they decided to make the payment on the account, after I had asked them not because I was going to take of it and learned that they processed a check ( check number XXXX ) on XX/XX/XXXX, and it put my account in the negative. Once again, I called the bank for them to correct this matter because my XXXX  XXXX check will be going into my account on XX/XX/XXXX and did not want them to take Available Balance- {$510.00} from my check, but XXXX the bank representative states that she can only adjust my account within 1-3 days, I told her that was unacceptable because they had already taking {$500.00} from me because of an error with their ATM, and the case is " still being investigated. '' This bank continues to make unnecessary errors. 

You will find a copy of my banking transactions and see the funds were in my account to make the payment. You will find a copy of the balance of my account from my banking statement. You will find copy of the letter from XXXX XXXX XXXX, as well as letter from Satander stating they would be making the payment on XX/XX/XXXX. 

Once the investigation is over with this account, I will be closing it, they are bad for business and can cause someone financial ruins.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-05-29 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: MI

Complaint narrative:
I am submitting this formal complaint against Experian and Equifax for the inconsistent and inaccurate reporting of an account from XXXX XXXX XXXX XXXX. The same account is being reported with conflicting statuses : Experian lists the account as closed and charged off, while Equifax continues to report the account as open with a different balance and status. 
Under the Fair Credit Reporting Act ( FCRA ), 1681e ( b ), credit reporting agencies must maintain procedures to ensure the maximum possible accuracy of information on consumer reports. Discrepancies in status and balances between bureaus clearly violate this requirement. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate or inconsistent data to credit reporting agencies. 
This conflicting information significantly impacts my credit profile, creditworthiness, and ability to obtain credit. I have not received any verification or supporting documentation from XXXX XXXX XXXX XXXX that justifies these inconsistent entries. Therefore, continued reporting in this manner is unjustified and misleading under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
My name is XXXX XXXX contacting yall about XXXX  complaint number # XXXX and cfbp complaint number XXXX about yall response I got I have a question on it it was So it havent been report to the other parties on the debit to their credit report as well and its reported to no rental screening report talent agencys or other agency etc?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing the continued reporting of XXXX late payments on my federal student loan account with the XXXXXXXX XXXX  XXXX. After experiencing financial hardship, I restructured the loan with a renewed payment arrangement and re-deferment plan. I also entered into a promise-to-pay agreement to bring the account current and resume on-time payments. 

Despite this, the servicer continues reporting severe delinquencies, including XXXX and XXXX late marks, even after I began taking steps to restore the account. This is harmful and does not reflect the current payment arrangement or my effort to bring the loan back into good standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am disputing the continued reporting of XXXX late payments on my federal student loan account with the XXXXXXXX XXXX XXXXXXXX. After experiencing financial hardship, I restructured the loan with a renewed payment arrangement and re-deferment plan. I also entered into a promise-to-pay agreement to bring the account current and resume on-time payments. 

Despite this, the servicer continues reporting severe delinquencies, including XXXX and XXXX late marks, even after I began taking steps to restore the account. This is harmful and does not reflect the current payment arrangement or my effort to bring the loan back into good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

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.

15 U.S.C. 1681B ( 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.

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 2025-05-29 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 am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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