vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, my Social Security Number is XXXX, my Date of Birth is XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX

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 2025-07-23 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-07-23 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:
Upon reviewing my credit reports from Equifax, TransUnion, and Experian, I have identified several discrepancies in the information reported, which I believe may violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ), 15 USC 1681e ( b ). This section of the FCRA requires furnishers of information, such as your company, to follow reasonable procedures to assure the accuracy of the information furnished to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Upon reviewing my credit reports from Equifax, TransUnion, and Experian, I have identified several discrepancies in the information reported, which I believe may violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ), 15 USC 1681e ( b ). This section of the FCRA requires furnishers of information, such as your company, to follow reasonable procedures to assure the accuracy of the information furnished to consumer reporting agencies.

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FC HoldCo LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX is working under FC HoldCo LLC a parent company who you can find on the securities and exchange website so this company is aware of the securities fraud that they are doing with myself and many others. With that being said XXXX currently repossessed my vehicle. Prior to this I took all possible steps to remedy the situation. Such as putting the lien in my name, filing out my own 1099 form since they never sent me a 1099-c form which by the way is fraud and also sending in my securities to the CFO of their bank. I spoke with XXXX who have said they will not acknowledge any remedy. This company is in violation of the Truth and Lending Act, Article 9 Improper perfection and enforcement of security interest without valid documentation. XXXX should have investigated a little more instead of denying me. I asked to speak with the XXXX never happened. I can not pay on a debt that has been paid for starting on the day I provided XXXX with my social security number clearly someone is in violation of the securities exchange act of 1934. My next step is to get in touch with the indentured trustee. I want my vehicle back or XXXX times amount of my car. This company has two weeks to respond or I will take this to federal court with all the violations. I have already emailed the security exchange commission because of the security fraud. Thank you for your time.

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 2025-07-23 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: SC

Complaint narrative:
My credit profile is being sabotaged by someone, numerous fraudulent accounts and inquires on my credit profile. Ive reached out the all the credit bureaus to try to stop this. Ive been unsuccessful. So i filed a police report on the creditors and I will hold everyone accountable for all fraud activity. I want all accounts disputed on this ftc report and police report moved within 4 business days. Its my right to have fair and accurate credit reporting but thats not the case here Ive been violated by numerous creditors and its time to hold them all accountable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
My credit profile is being sabotaged by someone, numerous fraudulent accounts and inquires on my credit profile. Ive reached out the all the credit bureaus to try to stop this. Ive been unsuccessful. So i filed a police report on the creditors and I will hold everyone accountable for all fraud activity. I want all accounts disputed on this ftc report and police report moved within 4 business days. Its my right to have fair and accurate credit reporting but thats not the case here Ive been violated by numerous creditors and its time to hold them all accountable

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 2025-07-23 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:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
Upon reviewing my credit reports from Equifax, TransUnion, and Experian, I have identified several discrepancies in the information reported, which I believe may violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ). This section of the FCRA requires furnishers of information, such as your company, to follow reasonable procedures to assure the accuracy of the information furnished to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
Upon reviewing my credit reports from Equifax, TransUnion, and Experian, I have identified several discrepancies in the information reported, which I believe may violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2 ( b ). This section of the FCRA requires furnishers of information, such as your company, to follow reasonable procedures to assure the accuracy of the information furnished to consumer reporting agencies.

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 2025-07-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$980.00}

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 explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$980.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: Fraudulent Child Support Reporting  Credit Reporting Violations & Legal Penalty Notification\n\nDear Attorney General,\n\nI am writing to formally report and dispute the fraudulent reporting of child support on my credit report. I did not authorize, agree to, nor have I ever been properly notified or served regarding any valid child support obligation. The entry is inaccurate and misleading, and I consider it fraudulent.\n\nAs per the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681, no information should be reported that is inaccurate, incomplete, or unverifiable. Additionally, the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code  1692, prohibits false representation of debt. Reporting child support without proper legal proceedings, court order, or due process violates these federal protections.\n\nFurthermore, reporting such information without consent and verification constitutes a violation of privacy and due process rights. Under Civil Code and Penal Code protections (including but not limited to fraud statutes under Penal Code  532), any party who knowingly reports false information may be held liable.\n\nI am also notifying that each incorrect or fraudulent item reported on my credit file can carry a penalty of $XXXX  per violation, in accordance with FCRA  1681n (Civil Liability for Willful Noncompliance) and  1681o (Liability for Negligent Noncompliance).\n\nI demand a full investigation into how this child support record was generated and reported. I further demand that any such item be removed immediately from my credit report and that those responsible be held accountable under the law.\n\nIf this matter is not resolved within 30 days, I will be seeking further legal remedy and pursuing damages for defamation, credit harm, and emotional distress.\n\nThank you for your time and attention to this serious matter.\n\nSincerelyXXXX 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 2025-07-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: Fraudulent Child Support Reporting  Credit Reporting Violations & Legal Penalty Notification\n\nDear Attorney General,\n\nI am writing to formally report and dispute the fraudulent reporting of child support on my credit report. I did not authorize, agree to, nor have I ever been properly notified or served regarding any valid child support obligation. The entry is inaccurate and misleading, and I consider it fraudulent.\n\nAs per the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681, no information should be reported that is inaccurate, incomplete, or unverifiable. Additionally, the Fair Debt Collection Practices Act (FDCPA), 15 U.S. Code  1692, prohibits false representation of debt. Reporting child support without proper legal proceedings, court order, or due process violates these federal protections.\n\nFurthermore, reporting such information without consent and verification constitutes a violation of privacy and due process rights. Under Civil Code and Penal Code protections (including but not limited to fraud statutes under Penal Code  532), any party who knowingly reports false information may be held liable.\n\nI am also notifying that each incorrect or fraudulent item reported on my credit file can carry a penalty of $XXXX  per violation, in accordance with FCRA  1681n (Civil Liability for Willful Noncompliance) and  1681o (Liability for Negligent Noncompliance).\n\nI demand a full investigation into how this child support record was generated and reported. I further demand that any such item be removed immediately from my credit report and that those responsible be held accountable under the law.\n\nIf this matter is not resolved within 30 days, I will be seeking further legal remedy and pursuing damages for defamation, credit harm, and emotional distress.\n\nThank you for your time and attention to this serious matter.\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-07-23 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-23 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: Consumer Portfolio Services, Inc.
State: NV

Complaint narrative:
Hard inquiry from CONSUMER PORTFOLIO SVC no services or goods were provided therefore I would like this to be removed from my credit within 30 days. I am revoking and payment received from the application. In other words please rescind my application furthermore I need to know What factors did underwriting use to deny me. 
FYI : Application is transferable the company is making money off the application itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief