vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is currently reporting multiple hard inquiries that are inaccurate, unauthorized, and damaging to my credit profile. Specifically, these inquiries are listed as : XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. At no point did I authorize or consent to these entities accessing my credit report for the purpose of extending credit or initiating a permissible transaction under the Fair Credit Reporting Act ( FCRA ). The appearance of these inquiries constitutes a serious breach of my privacy rights and demonstrates a failure by TransUnion to maintain procedures ensuring maximum possible accuracy of the data they publish, in violation of 15 U.S.C. 1681e ( b ).

A hard inquiry is not a trivial matterit impacts my credit score, influences lending decisions, and creates a perception of elevated credit risk. TransUnions failure to confirm the legitimacy and authorization of these inquiries before adding them to my file shows a reckless disregard for their statutory obligations. Furthermore, when I previously disputed these inquiries, TransUnion failed to conduct a reasonable reinvestigation as mandated by 15 U.S.C. 1681i ( a ). Their so-called verification process appears to rely entirely on the word of the furnishers without demanding any original documentation, signed applications, IP logs, or timestamped records proving that I personally initiated these credit requests. This is wholly insufficient under the law. 

By continuing to report these inquiries without proper proof of my consent, TransUnion is willfully and negligently violating my rights under the FCRA. It is not enough to accept unverifiable or automated responses from furnishersTransUnion has a legal obligation to obtain the actual evidence, and in the absence of such, to remove the disputed data from my record. These unauthorized inquiries have already caused tangible harm, including lowering my credit score, leading to higher interest rates, and creating barriers to obtaining favorable financial terms. The reputational impact is also severe, as lenders view multiple inquiries as a sign of financial distress or overextension, which in this case is entirely false.

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 2025-08-09 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: PA

Complaint narrative:
URGENT ESCALATION - COMPANY NON-COMPLIANCE It's been 6 days since my complaint was filed ( XX/XX/XXXX ) and XXXX action has been taken to remove the fraudulent inquiries. Both XXXX XXXXXXXX XXXX and XXXX XXXX marked my complaint as " in progress '' on XX/XX/XXXX but have done absolutely nothing. 

CRITICAL ISSUE : I called both companies ' fraud departments today ( XX/XX/XXXX ) and they told me they CAN NOT FIND ANY RECORD of my CFPB complaint or dispute. Their own fraud specialists don't even know this complaint exists! 

This proves these companies are either : 1. Deliberately ignoring CFPB complaints 2. Have broken internal systems that don't track regulatory complaints 3. Using " in progress '' status to stall without actually working on cases The fraudulent inquiries are still on my credit report : XXXX XXXX XXXX XXXX : XX/XX/XXXX ( unauthorized ) - XXXX XXXXXXXX : XX/XX/XXXX ( unauthorized ) I provided complete documentation including FTC Identity Theft Report # XXXX, but they're doing nothing while my credit gets damaged daily. 

This is a systemic compliance failure. How can companies mark CFPB complaints as " in progress '' when their own fraud departments can't even locate the complaints? 

I need CFPB to immediately contact these companies and demand they explain why their fraud departments are unaware of regulatory complaints. This is unacceptable. 

DEMAND : Remove both fraudulent inquiries within 24 hours and explain this compliance breakdown.

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 2025-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My monthly payment on my XXXX XXXX XXXX is {$370.00}. I make every payment electronically on the XXXX of every month. My Acct # with XXXX XXXX is XXXX. 
They claim they did not receive the XXXX payment. They asked for proof of payment. I sent them a copy of my XXXX Statement which clearly shows the payment of {$370.00}. on XX/XX/XXXX. 

This did not change anything. They are calling me everyday and adding interest on to my account. They said they did an investigation but did not provide any information whatsoever as where this money went to. I sent them a registered letter but did not hear back from them. 

I had a lease with XXXX which was returned and there was no money owed. I then purchased this vehicle with a down payment and XXXX equal monthly payments. Every payment has been made and cleared my bank. 23 months later it seems like they are claiming money for something, but I have no idea what and there is no one to talk to except collection agents that don't want to hear anything except how you will pay what they claim you owe without any proof or explanation. I hope you can help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
Equifax is reporting a late payment on my credit report associated with XXXX XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX ) dated XXXX, listed as an open account with a past due balance of {$0.00}. This reporting is inaccurate, misleading, and contrary to the factual status of the account. Reporting a late payment on an account with XXXX past due balance is contradictory and distorts my true payment history and creditworthiness.

Under 15 U.S.C. 1681e ( b ), Equifax is required to maintain procedures that ensure maximum possible accuracy in the credit information it furnishes. By reporting late payments on an account that clearly has no outstanding balance and no actual past due amount, Equifax fails to meet this statutory obligation. This inaccurate reporting harms my financial reputation and misleads lenders and other credit users who rely on Equifaxs data. 

When I disputed this late payment, Equifax failed to provide any credible documentation or verification directly from the creditor confirming the legitimacy of this delinquency. Instead, I received a generic verification response that relied on third-party data or automated systems, which does not satisfy the legal requirements of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). The law mandates that any disputed information be verified through original, documented evidence provided by the creditor, not simply by automated or incomplete third-party data matches. 

This erroneous late payment has caused significant harm to my credit profile, contributing to a lowered credit score, increased interest rates, and credit denials. It also causes unnecessary emotional distress, as it unjustly portrays me as a delinquent borrower despite no outstanding past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Inquiries on my credit report that I do not authorize or ask for I would like them to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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 extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I even refreshed my browser thinking it might be a system glitch, but the issue remains. I urgently request that the documents I sent be reviewed thoroughly so this problem can be resolved immediately and I can finally stop worrying about it.

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 2025-08-08 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: CA

Complaint narrative:
I sent disputes to TransUnion regarding accounts that I believe contain inaccurate or unverifiable information. TransUnion failed to take corrective action or provide evidence of a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). The accounts remain on my report without proper resolution, continuing to damage my credit.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bernhardt and Strawser, P.A.
State: NC

Complaint narrative:
I moved out of town and did not receive mail. Found out years later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
I am a victim of identity theft. I have an active FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX, which I have provided to TransUnion. Despite this, TransUnion continues to report multiple fraudulent accounts and derogatory information that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ) 605B and the Fair and Accurate Credit Transactions Act ( FACTA ), I am entitled to the prompt blocking and removal of all such information. 



Fraudulent Accounts Reporting on TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX Acct # : XXXX {$810.00} Date fraud began XX/XX/XXXX Charge-off/Derogatory XXXX. XXXX XXXX XXXX Acct # : XXXX {$600.00} Date fraud began XX/XX/XXXX Charge-off/Derogatory XXXX. XXXX XXXX XXXX ( XXXX : XXXX XXXX ) Acct # : XXXX {$820.00} Date fraud began XX/XX/XXXX Collection XXXX. XXXX XXXX XXXX ( XXXX : XXXXXXXX XXXX XXXX XXXX. ) Acct # : XXXX {$650.00} Date fraud began XX/XX/XXXX XXXX XXXX. XXXX XXXX Acct # : XXXX {$330.00} Date fraud began XX/XX/XXXX Paid/Closed but reporting 30-day & 60-day late payments Violation Details : TransUnion has failed to block/remove fraudulent information within the time required by FCRA 605B ( c ) ( 1 ) ( 4 business days after receiving an identity theft report ). 
Continuing to report these accounts constitutes willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

This has caused and continues to cause harm to my credit score, interest rates, and ability to obtain credit. 



Requested Resolution : Immediate deletion of all listed fraudulent accounts and any related inquiries from my TransUnion credit file. 
Written confirmation from TransUnion within 15 days verifying permanent removal of these items.

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 2025-08-08 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: VA

Complaint narrative:
I sent cease and assist letter and asked for original documents from the debt that was brought

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 2025-08-09 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: GA

Complaint narrative:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports. 
Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain.

________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus. 
Payment statuses are reported inconsistently. 
Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

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 2025-08-09 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: GA

Complaint narrative:
Complaint Summary : I am filing this complaint to formally report that the nationwide credit reporting agenciesEquifax, Experian, and TransUnionhave failed to update or remove inaccurate personal information from my credit report, despite multiple prior requests. I have also discovered discrepancies across my credit files that raise serious concerns about possible identity theft. I have submitted the required documentation, including an FTC Identity Theft Report and a police report, yet the agencies have not corrected or removed the following : ________________________________________ 1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports. 
Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain.

________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus. 
Payment statuses are reported inconsistently. 
Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in to be removed. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I filed disputes with TransUnion over accounts I believe to be inaccurate or unverifiable. TransUnion has kept these accounts on my report without producing documentation proving their accuracy. This failure to remove unverifiable information is a breach of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted 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 2025-08-09 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: CA

Complaint narrative:
XXXX is currently reporting a charge-off for XXXXXXXX XXXX XXXXXXXX ( account number XXXX  ) dated XX/XX/year> in the amount of {$42000.00}. This entry is both inaccurate and highly damaging to my credit profile. The manner in which it is being reportedwithout proper verification, context, or lawful substantiationconstitutes a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), XXXX is required to maintain and follow reasonable procedures to assure maximum possible accuracy of all information reported. A charge-off is one of the most damaging derogatory entries possible, and when reported incorrectly or without thorough, documented proof, it creates a false and misleading representation of my financial history. The current reporting suggests that I defaulted in a manner justifying the full charge-off of {$42000.00}, yet XXXX has provided no documentation directly from XXXXXXXX XXXX XXXXXXXX proving that the alleged balance, date of default, and charge-off status are accurate. 

When I disputed this account, XXXX issued a blanket verified response without producing original account records, statements, payment histories, or written correspondence from XXXXXXXX XXXX XXXX Relying solely on third-party data vendors or incomplete internal databases is not a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ). The law mandates that disputed information be confirmed by the furnisher through original recordsnot assumptions, not automated matching, and not outdated or incomplete files. Without such direct, documented verification, XXXX continued reporting is baseless and unlawful.

The harm caused by this inaccurate charge-off is severe and ongoing. It has resulted in denials of credit, loss of favorable lending terms, substantially higher interest rates, and reputational damage that has tangible financial and emotional consequences. This erroneous entry unfairly portrays me as a high-risk borrower, when in reality the accuracy of the reporting has not been established and remains in serious dispute.

Company response to consumer: Closed with explanation