vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX FORMAL DISPUTE NOTICE Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX [ Insert Full Address ] SSN Last XXXX : XXXX Complaint Ref # : [ Insert if known ] Subject : IMMEDIATE FORMAL DISPUTE OF UNAUTHORIZED STUDENT LOAN REPORTING, PRIVACY VIOLATION, AND FCRA NON- COMPLIANCE To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Family Educational Rights and Privacy Act ( FERPA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I am disputing the unauthorized reporting, possession, and handling of my personal and financial information by XXXX. 
I did not originate, authorize, or consent to any loan serviced or held by XXXX. I began college in XXXX and received Pell Grants and other financial aid. My federal loans were serviced by XXXX XXXX, and I was never notified of or consented to a transfer to XXXX. 
Therefore, any reporting under my name and SSN by XXXX is inaccurate and unauthorized. 
Pursuant to my rights under federal law, I demand the following actions be taken within XXXX hours of receipt of this dispute : 1. Immediate deletion of any and all XXXXrelated tradelines, entries, and alert codes from my credit report. 
2. A cease and desist order on any current or future reporting to any credit bureau regarding this alleged debt.

3. Delivery of full documentation ( including a copy of the signed promissory note or servicing transfer agreement bearing my signature ) that proves XXXX 's authority to report or hold my data. 
4. Immediate notice of the resolution of this dispute in writing, and confirmation that my data has been removed and will no longer be shared, stored, or processed. 
Failure to comply with this dispute and federal law will result in immediate escalation to the following entities : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - U.S. Department of Education and FSA Ombudsman - Louisiana State Attorney Generals Office - Private legal counsel You are now on formal notice. Continued reporting, mishandling, or failure to respond constitutes willful noncompliance and data abuse under multiple federal laws. 
I expect acknowledgment and resolution of this dispute without delay. 

Sincerely, 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 2025-06-26 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 contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
They are reporting that I am not making payments when I have not entered into an agreement to make any payments. This negatively affects my credit on top of it being a collection account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
My accounts was 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 to be removed/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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
I recently disputed an auto loan account from XXXX ( ending in XXXX with Experian. The account is reporting a charge-off, but the information is inaccurate. I am requesting that this account be properly investigated under FCRA Section 611. 
If Experian is unable to verify the information with original documentation from the creditor, I request its immediate removal. I am also concerned that previous addresses and name variations are contributing to misreporting.

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 2025-06-26 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:
these hard inquires are fraudulent. I DID NOT authorize them to check mi credit. I HAVE NEVER REQUESTED YOUR SERVICES. PLEASE REMOVED OF MY CREDIT REPORT XXXX XXXX XXXX XX/XX/year>XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: DC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to submit a second formal demand for immediate reinvestigation and deletion of the following account from my Equifax credit file. Despite my prior dispute efforts and supporting documentation, this account continues to report inaccurately : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted multiple disputes to all three major credit reporting agencies regarding this account and filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ). Both XXXX and XXXX  have completed their investigations and have deleted this account from their records due to inaccurate and unverifiable information. However, Equifax continues to report this account as verified, which is inconsistent, incorrect, and a violation of my rights under federal law.

Legal Grounds Supporting Immediate Deletion : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : A credit reporting agency must conduct a reasonable reinvestigation of any item disputed by a consumer and complete that reinvestigation within 30 days. If information can not be verified, it must be deleted.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If the disputed information is inaccurate, incomplete, or can not be verified, the CRA must promptly delete the item from the file.

15 U.S.C. 1681e ( b ) : Equifax is required to follow reasonable procedures to assure the maximum possible accuracy of the information it reports. The fact that other bureaus have deleted this account demonstrates that Equifax is reporting inaccurate or unverifiable data.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I am entitled to a description of the procedure used to verify this account, including the name, address, and phone number of the furnisher of the disputed information. Demand for Action : I formally demand tha
t Equifax : 1. Immediately delete the XXXX XXXX account from my credit file, as required by law.

2. Provide me with a written explanation detailing the method of verification used, and the contact information for any furnisher you relied on so I may follow up directly.

3. Send me an updated copy of my credit report reflecting this deletion.

4. Notify any party that received my credit report in the last six months of this correction, as required by 15 U.S.C. 1681i ( d ).

If I do not receive a satisfactory response within 10 business days, I will file additional complaints with the CFPB, FTC, and my State Attorney Generals Office, and I will consider seeking legal remedies under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian P.O. XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the following account on my credit report : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on both reports ) I am disputing this account as a duplicate and inaccurate report. It appears on my credit report twice with different balances, but with the same account number, last payment date, and late payment history. This is an inaccurate representation of my credit history and is likely a result of a reporting error. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this duplicate and inaccurate account violates this principle.

Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report " as instructed by the consumer in writing. '' I have not provided any written instructions to furnish this inaccurate and duplicate account. 
I am requesting that you conduct a thorough reinvestigation of this account and immediately delete all negative reports associated with this duplicate entry. If you can not verify the accuracy and validity of these duplicate accounts, you are required by law to remove them from my credit report. 
Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, a financial institution has an obligation to protect the confidentiality of nonpublic personal information. The inaccurate reporting of my information is a violation of this obligation. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 

Sincerely, 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 2025-06-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian P.O. XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the following account on my credit report : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on both reports ) I am disputing this account as a duplicate and inaccurate report. It appears on my credit report twice with different balances, but with the same account number, last payment date, and late payment history. This is an inaccurate representation of my credit history and is likely a result of a reporting error. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this duplicate and inaccurate account violates this principle.

Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report " as instructed by the consumer in writing. '' I have not provided any written instructions to furnish this inaccurate and duplicate account. 
I am requesting that you conduct a thorough reinvestigation of this account and immediately delete all negative reports associated with this duplicate entry. If you can not verify the accuracy and validity of these duplicate accounts, you are required by law to remove them from my credit report. 
Additionally, under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, a financial institution has an obligation to protect the confidentiality of nonpublic personal information. The inaccurate reporting of my information is a violation of this obligation. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally request a copy of Form 1099-C ( Cancellation of Debt ) for my Credit Card account , which has been reported as charged-off on my credit report.

According to IRS regulations ( Section 6050P of the Internal Revenue Code ), financial institutions are required to issue Form 1099-C if a debt of {$600.00} or more has been canceled or forgiven. I am requesting a copy of this form for my records and to fulfill my tax obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report as it is inaccurate and I am having trouble with my credit applications because of it which is extremely frustrating.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against TransUnion for continuously reporting inaccurate, outdated, and unverifiable information on my credit report despite multiple dispute attempts. This includes unauthorized inquiries, wrong address reporting, and multiple account errors. These inaccuracies are causing me significant distress, denial of credit, and reputational harm. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq, particularly 1681i ( dispute reinvestigation ), 1681e ( b ) ( reasonable procedures to assure accuracy ), and 1681b ( permissible purpose for credit inquiries ). 
Wrong Address Reporting : XXXX XXXX XXXX XXXX, TN XXXX This address is inaccurately reported and does not belong to me. I have never lived at, been associated with, nor received mail at this location. Reporting false address information violates my rights under FCRA 1681e ( b ) which requires data furnishers to follow reasonable procedures to assure maximum possible accuracy. 
XXXX Date of Inquiry : XX/XX/2025 Issue : This inquiry was made without my knowledge, authorization, or any initiated credit application from my side. There is no permissible purpose for this inquiry under FCRA 1681b ( c ), and such a hard inquiry has negatively impacted my credit score and caused reputational and financial harm.

Law Violated : FCRA 1681b No permissible purpose for this inquiry XXXX  Date of Inquiry : XX/XX/2025 Issue : I did not apply for any credit account or authorize any entity to pull my credit on this date. This is a fraudulent and unauthorized inquiry, and TransUnion had a duty to verify the legitimacy of such access before listing it on my credit report. 
Law Violated : FCRA 1681b Inquiry made without permissible purpose Complaint Summary : I have submitted disputes directly to TransUnion but have not received any meaningful investigation or resolution. I now request the Consumer Financial Protection Bureau ( CFPB ) to step in and hold TransUnion accountable for : Failing to correct false addresses Reporting unauthorized inquiries Failing to maintain reasonable procedures to ensure accuracy Willfully violating the FCRA, causing me damages Requested Relief : Immediate removal of the incorrect address : XXXX XXXX XXXX XXXX, TN XXXX Immediate deletion of the unauthorized inquiries : XXXX ( XX/XX/2025 ), XXXX ( XX/XX/2025 ) Full reinvestigation with documentation under FCRA 1681i Damages for willful non-compliance under FCRA 1681n and negligent non-compliance under 1681o TransUnions failure to take action despite being provided disputes is unacceptable. I urge the CFPB to investigate these serious violations.

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 2025-06-26 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: FL

Complaint narrative:
Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATION associated with these accounts, such as an ORIGINAL CONTRACT BEARING MY SIGNATURE. I formally request that this information be immediately corrected or deleted from the credit file you maintain under my social security number.

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 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX and financed it through XXXX XXXX. The car had many serious mechanical problems from the beginning. I returned it to the dealer five times for repairs, but each time they claimed it was fixed, and a new issue would appear. 

Eventually, I was in an accident and the car was declared a total loss by my insurance. XXXX XXXX delayed sending paperwork to the insurance company, which held up the payout. Then they told me that I still owed them money, even though I had purchased GAP insurance, which I was pressured into buying at the time of sale. Now they say the GAP doesnt cover the remaining balance which contradicts what I was told at the time of purchase. 

I also discovered that XXXX and XXXX XXXX are operated by family members, and many customers are experiencing similar issues. I wrote to dispute the charges and to request documentation, but they have refused to respond.

Company response to consumer: Closed with explanation