vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: IL

Complaint narrative:
CFPB Complaint Reporting Inaccuracies with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am filing this complaint to formally dispute inaccurate and inconsistent reporting related to an account listed as XXXXXXXX XXXX XXXX Account # XXXX, appearing on my credit reports from XXXX XXXX  and TransUnion. 

Nature of the Issue : The reported information across the three credit bureaus contains material discrepancies and conflicting data that violate my rights under the Fair Credit Reporting Act ( FCRA ). Below are just some of the inconsistencies in the reporting : Date Opened XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XX/XX/XXXX Terms of the loan : XXXX  : Shows XXXX ( XXXX months ) XXXX  & TransUnion : Shows XXXX term Last Activity Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion : XX/XX/XXXX Last Verified Date : Only TransUnion shows a verification date ( XX/XX/XXXX ) Additionally, the account is marked Negative on all bureaus despite the current balance being up to date and consistent across all three ( {$1500.00} ), and the payment status showing Current as of XX/XX/XXXX. This contradiction alone calls into question the accuracy and fairness of the reporting. 

Violations of Law : FCRA Section 1681e ( b ) requires credit reporting agencies to maintain maximum possible accuracy. The conflicting and inconsistent data among bureaus clearly violates this provision.

FCRA Section 609 ( a ) ( 1 ) ( A ) gives me the right to request documentation that proves the accuracy of the reported data. The conflicting dates and details strongly suggest a lack of proper documentation or oversight.

FCRA Section 611 ( a ) obligates credit bureaus to correct or delete inaccurate or unverifiable information within 30 days of a dispute. This data should have been corrected already.

If the account is in dispute or has unresolved errors that remain reported negatively, this may also violate FDCPA Section 807 ( 2 ) ( A ) for false or misleading representation of debt-related information.

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 2025-06-25 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-25 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: AL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-25 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-06-25 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: NORTHERN HILLS COLLECTIONS INC.
State: NC

Complaint narrative:
I am sending this complaint to NORTH HILLS AT regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
TransUnion is reporting inaccurate late payments for XXXX and XX/XX/year> on my XXXX account that I never made. The account is current, and these derogatory marks directly conflict with the account status. I formally disputed this with TransUnion and requested verification. They failed to provide proof or correct the reporting, violating FCRA accuracy requirements and XXXX XXXX standards. This materially damages my credit profile.

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 2025-06-25 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX Date : XX/XX/scrub>XXXX XXXX Date : XX/XX/scrub>XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I filed a dispute through XXXX XXXX regarding several accounts on my credit report that I believed were inaccurate. The dispute was resolved on XX/XX/2025, under dispute number # XXXX, with all the following accounts approved for removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite the resolution being over 90 days ago, these accounts remain on my credit reports with Experian, XXXX XXXX XXXX XXXX 

I have since sent formal dispute letters via mail to each credit bureau requesting immediate removal of these accounts, referencing the dispute number and resolution date. However, none of the bureaus have removed the accounts or corrected my reports as required by the Fair Credit Reporting Act ( FCRA ). 

I am seeking assistance from the CFPB to ensure these inaccurate and resolved accounts are properly removed from my credit reports and that the bureaus comply with federal 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 explanation
Consumer complaint received 2025-06-25 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Round Up Ventures, L.P.
State: LA

Complaint narrative:
I received email from XXXX with XXXX XXXX XXXX XXXX XXXX for a debt owed to Lendly for {$2600.00}. I do owe it and I did then communicate with XXXX at the same company. I did inform her that I was waiting for my settlement payment to come in which she agreed and understood. she then set the account up for the payment of {$2400.00} settlement. Once I received my settlement payment from insurance company I deposited to my checking account for it to process to clear. I told her it would be a couple days more than likely since it is a rather large amount. I then went online to their website to try to make the payment and there website would not accept my card payment. I then had to resort to mailing a money order to them. I mailed in by snail mail. I then receive calls on XX/XX/year> to my mother and aunt demanding they have me call her. I have explained it to her numerous times that I work overnights for the entire month of XXXX and when she calls me during the day I am sleeping and I do return her call and leave her a message overnight. She is now telling me she is going to make a recommendation to someone, and it comes across as though she is trying to use language it sounds like an attorney which she is not and works for a collection agency at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
In XXXX, I applied for financing for a Generac generator with XXXX XXXX XXXX XXXX XXXX. A salesman from XXXX XXXX came to my house to give a quote and do a credit application. I was approved by Service Finance and another finance company. I chose to use the other company because they gave a me a lower interest rate and a longer promotional period with no payments. There was a dispute on the pricing of the generator. XXXX XXXX told me he would looking into price matching, but instead he took my electronic signature and applied it to the Service Finance loan. The date of the electronic signature is on the timestamp on the loan documents. This is NOT the day the salesman was in my home! XXXX XXXX also went in and canceled my loan with the other company. I did NOT authorize any of this! How can a person use my signature and decide on which loan I am supposed to pay back? How is this legal? 

I had been telling Service Finance in XXXX that I did not choose them for the loan. I chose the other company and to cancel the application. Little did I know that XXXX XXXX had forged my electronic signature on loan documents for Service Finance! Once I found this out, I informed Service Finance in XXXX that the loan had been fraudulently obtained in my name by XXXXXXXX XXXX XXXX XXXX XXXX  owner, XXXX XXXX. Service Finance told me they would launch an investigation to see what happened. I have not received any updates other than they are looking into this matter. They made sure to send me a bill that is due in XXXX. I should NOT have pay for a loan that is NOT my loan. I sent Service Finance all of my supporting documents, but they have not taken this loan out of my name, nor have they gone after XXXX XXXX to pay back the money they sent him! Service Finance has not resolved this problem, nor have they given me any information as to what is being done to fix this. At one time, Service Finance told me their Legal Department may need to get involved to resolve this. That never happened as far as I know. 

Service finance should have never sent XXXX XXXX any money on my behalf talking with me! I told them multiple times in XXXX that I did not want to use them to finance the generator and I decided to go with another company. They ignored my request and sent almost {$20000.00} to XXXX XXXX anyway!! I want this loan out of my name! They need to go after XXXX XXXX for this loan since he took matters in his hands to falsify my name.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MO

Complaint narrative:
I submitted multiple requests for my full consumer report from LexisNexis starting in XX/XX/year>. I followed up several times by phone and mail, but they have failed to provide my report. It has now been over 8 months with no response. This is a violation of the Fair Credit Reporting Act, which requires them to provide my report within 30 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
Today I was speaking with a representative named XXXX who advised me they are about to take legal action against me if I do not settle the debt today. I advised it was not going to be settled today unless I received some written documentation of the debt with their company as there has been 3 different companies that have requested payment, noone has sent me paper nor when I request arrangements noone responds with written documents. I also told XXXX not to call me anymore, then he preceded to be rude telling me I had a year to pay this debt before and that they just got my debt 2 days ago but are reviewing it for legal action. I asked for written documents XXXX said I should have received something by now, and I probably just ignored it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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