vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-07 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: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-07 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: DC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXXb ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe 1681XXXX  which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-07 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: MA

Complaint narrative:
On XX/XX/year> I visited XXXX of XXXX XXXX with the purpose of purchasing a vehicle with my pre approval from XXXX XXXXXXXX XXXX XXXX for XXXX $ the sales staff at the dealership asked me to allow them to seek a better deal with their lender & I was explicitly assured that only one consolidated inquiry would appear to facilitate this process. Contrary to their promises there was multiple inquiries to various lenders with out my knowledge or authorization their conduct not only violated federal laws but also directly damaged my credit profile resulting in the devastating loss of funding for my dream home. After several days of delays and no better offers I ultimately went with my pre approval making the hard inquiries not only unnecessary but deceptive and harmful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-07 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I recently became aware of an account that I do not recognize opened in my name without my knowledge or authorization. 
I contacted the company to request verification of the original documents and information used to open these account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I've already reached out to the credit bureaus and they have not cocmpleted a proper investigation. 

I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MS

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. 
Account name : XXXX XXXX XXXX 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 XXXX about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 16815 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information 1l ( A ) in general, 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 This method is faster, with ( l ) promptly delete that item of information from the file of the consumer orinodify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Kriya Capital, LLC
State: OH

Complaint narrative:
I submitted a written dispute to the credit bureaus and requested validation of a collection account reported by Credence. I included all required identity documentation and followed all instructions for submission under the Fair Credit Reporting Act ( FCRA ), including certified mailing.

Despite legal obligations under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 8 ), Credence failed to respond within the required 30-day timeframe with any verification or documentation. No response was sent to confirm the accuracy or ownership of the alleged debt, and no validation documents were provided as required under FDCPA 809 ( 15 U.S.C. 1692g ).

The credit reporting bureaus have continued to display the account despite the absence of proper verification. I am requesting formal enforcement action for Credences failure to validate the debt and the bureaus failure to remove unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
Sallie Mae has called and robo-called 3 times a day every day for XXXX days when loan payment is past due only 15 days. This happens every time its late because having trouble making payments. Their website does not allow changes to the payment when its past due. You can not pay just the past due amount after 5 days late. They add the next months payment that is not even due yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Upon reviewing my credit report on XXXX XXXX XXXXXX/XX/year>, I discovered a collection account in the amount of {$950.00} listed under your companys name, XXXX XXXX XXXX. I was never notified of this debt, nor did I receive any communication or written notice from your company informing me of my right to dispute the debt, as required under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ).

In accordance with my rights under this law, I am formally requesting : Validation of the alleged debt, including a copy of the original bill or account statement showing the amount owed, the original creditors name, and a breakdown of any fees or interest added. 

A copy of the initial notice your company claims to have sent, which should include my right to dispute this debt within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX * * * * * * * * * * Balance {$0.00} XXXX XXXX XXXXXXXX * * * * * * Balance {$1900.00} XXXX XXXX XXXXXXXX * * * * * * Balance {$2900.00} XXXX XXXX XXXX * * Balance {$220.00} XXXX XXXXXXXX XXXX * * Balance {$190.00} XXXX XXXX XXXX * * Balance {$520.00} XXXX XXXX XXXXXXXX * Balance {$100.00} XXXX XXXXXXXX XXXX * * Balance {$340.00}

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 2025-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX Regarding : XXXX and XXXX and EXPERIAN EQUIFAX TRANSUNION At this point , I have forwarded all requested information to the Consumer Financial Protection Bureau ( CFPB ) . However, I am repeatedly asked to provide verification of ID, verification of address, identity theft report, and police report. This is not a game, but a serious matter affecting my life in a significant way. If this issue is not resolved soon, I will have no choice but to seek legal action. It's disappointing that this issue has not been resolved yet. 

The XXXX XXXXXXXX XXXX  XXXX account in question is a closed account. My wife, XXXX XXXX, closed this account and placed it under XXXX XXXX bankruptcy. However, the account status is still showing as open, which is a clear discrepancy and potentially fraudulent. This needs to be addressed with immediate attention. XXXXXXXX XXXX account is XXXX out of XXXX, that's 50 % I strongly believe that fair Collections and O is involved in a scheme, deceit, fraud, and identity theft. To support this claim, I have included an identity report and a police report. 

The XXXX XXXX XXXX ' account is not mine. It was opened by my mother, XXXX XXXX, in XXXX while I was living in XXXX, Ohio. As she owns the house, the account should be reported on her credit, not mine. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX Regarding : XXXX and XXXX and EXPERIAN EQUIFAX TRANSUNION At this point , I have forwarded all requested information to the Consumer Financial Protection Bureau ( CFPB ) . However, I am repeatedly asked to provide verification of ID, verification of address, identity theft report, and police report. This is not a game, but a serious matter affecting my life in a significant way. If this issue is not resolved soon, I will have no choice but to seek legal action. It's disappointing that this issue has not been resolved yet. 

The XXXX XXXXXXXX XXXX  XXXX account in question is a closed account. My wife, XXXX XXXX, closed this account and placed it under XXXX XXXX bankruptcy. However, the account status is still showing as open, which is a clear discrepancy and potentially fraudulent. This needs to be addressed with immediate attention. XXXXXXXX XXXX account is XXXX out of XXXX, that's 50 % I strongly believe that fair Collections and O is involved in a scheme, deceit, fraud, and identity theft. To support this claim, I have included an identity report and a police report. 

The XXXX XXXX XXXX ' account is not mine. It was opened by my mother, XXXX XXXX, in XXXX while I was living in XXXX, Ohio. As she owns the house, the account should be reported on her credit, not mine. 


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 2025-05-07 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: TX

Complaint narrative:
My personal information was involved in Equifaxs data breach. I believe the following accounts are unauthorized and unverified, as they are unfamiliar to me and have not been validated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are likely the result of the data breach. Ive attached my dispute letter and a copy of the Equifax data breach settlement as proof. Please investigate and remove these accounts from my Equifax credit report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding a car loan I had with XXXXXXXX XXXX  for a XXXX XXXX XXXX. The loan had an outstanding balance of {$890.00}, which became nearly XXXX months past due while I was disputing incorrect charges related to CPI ( collateral protection insurance ). Despite providing proof of my own insurance coverage, XXXX continued to apply CPI charges, causing my loan balance to increase rather than decrease with each payment. This made it difficult to determine the accurate amount due. 

On XX/XX/XXXX, at XXXX a.m., the vehiclewhich had been inoperable since XXXX XXXX repossessed. I have XXXX camera footage documenting the date and time of the repossession. Later that same day, I received a letter from XXXX dated XX/XX/XXXX, stating that I had five days from the date of the letter to contact them to avoid repossession, and that payment arrangements needed to be made by XX/XX/XXXX. 

I contacted XXXX by phone and email on XX/XX/XXXX, and informed the representative that the repossession occurred before I even received the letter and before the deadline stated. Although the representative did not acknowledge any wrongdoing, they assured me that the incident would not be reported to the credit bureaus due to my prompt resolution. 

On XX/XX/XXXX, I paid the outstanding balance along with the repossession fee, and the vehicle was towed back to my residence. I received the title and lien release on XX/XX/XXXX. 

However, I later discovered that XXXX reported a repossession on my credit report from XX/XX/XXXX through XXXX XXXX the account being paid and closed. After multiple discussions with the bank, the repossession remarks stopped reporting, but the account is now incorrectly reported as a charge-off and the previous repossession marks remain. 

I have been consistently contacting XXXX since XX/XX/XXXX, requesting that all inaccurate credit reporting from XX/XX/XXXX through XX/XX/XXXX be removed. As of todaytwo months laterthe issue remains unresolved, and my credit continues to be negatively impacted. 

I am requesting the CFPBs assistance in having all inaccurate repossession and charge-off notations removed from my credit report for the period of XX/XX/XXXX through XX/XX/XXXX. 

Thank you for your time and support.

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 2025-05-07 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: KS

Complaint narrative:
A collection account from XXXX XXXX XXXX was posted to my Experian credit report while my file was under an active security freeze. My Experian report has been frozen for months and has not been lifted, thawed, or unlocked at any point. Despite this, Experian allowed a third-party debt buyer to report a new tradeline without my consent, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I only discovered the account after it caused a XXXX point drop in my credit scoreless than 10 days before my scheduled mortgage approval meeting. This unauthorized reporting has placed my entire housing opportunity at risk and caused immediate and measurable harm. 

I submitted a written request to Experian demanding deletion of the account, an explanation of how this was permitted during a freeze, and proof of reporting authorization and timing. As of today, I have received no response, no verification, and no resolution. I am requesting CFPB to initiate a full investigation into both Experian and XXXX XXXX XXXX for improper access, data handling violations, and breach of consumer protections under 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 2025-05-07 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TRANSUNION 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