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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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: 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 disputing multiple unauthorized hard inquiries listed on my credit report. These inquiries were not initiated by me, and I did not give any written, verbal, or electronic authorization to the companies that made them. I have not applied for credit, financing, or services that would warrant this level of access to my consumer file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose, and only when initiated or approved by the consumer. These inquiries do not meet that standard and were made without a legitimate permissible purpose and without my consent. If any entity accessed my credit without authorization, it is not only a violation of FCRA, but potentially identity theft or unlawful usage of my personal data.

Additionally, 15 U.S.C. 1681i ( a ) requires that any disputed information be thoroughly reinvestigated, and 15 U.S.C. 1681i ( a ) ( 7 ) entitles me to a detailed explanation of the method and results of the reinvestigation, including documentation showing how and by whom each disputed inquiry was verified as permissible. 

If any company can not prove, with verifiable documentation, that I directly authorized the inquirynot just that my name or information was submittedthen the inquiry must be permanently deleted. A generic verified as accurate response without full supporting evidence will be considered noncompliant and subject to escalation. 

These inquiries are negatively impacting my credit, and if not resolved properly, I will pursue further legal remedies through the CFPB and other regulatory channels. I demand immediate removal of any unverifiable or unauthorized inquiries, along with a full written explanation and documentation of your investigation findings.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) 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 2025-07-23 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: TX

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and the items in question were not authorized by me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please remove the unauthorized information. I have attached a list of the disputed items along with my FTC Identity Theft Report for your review.

I appreciate your prompt attention and request written confirmation once the corrections are made.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SANTANDER CONSUMER USA Cease and Desist Request for Collection Activities Dear SANTANDER CONSUMER USA or " To Whom It May Concern '' I am writing to formally request that you cease all collection activities related to my accounts referenced below : - Account Number XXXX - Additional Account Type : auto loan Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop all communication regarding this debt. Therefore, I ask that you refrain from contacting me in any manner, including but not limited to phone calls, letters, or in-person visits.

Please be advised that I consider this matter to be of a serious nature, and any further communication regarding this account will be documented as harassment.

If you believe this debt is valid, I request that you provide proper documentation to prove the legitimacy of this debt, including the name of the original creditor, the amount owed, and any related account statements. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
# 3rd Party : IQ Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Subject : Cease and Desist Attempted Recollection of Settled/Adjudicated Debt Dear XXXX XXXX Collection, I am writing regarding your recent attempt to collect {$1800.00} from me, which is both invalid and unlawful. 

This matter was previously taken to court under case number XXXX, and judgment was entered in my favor ( view attachment ). Your continued collection efforts violate federal and California state laws, including but not limited to : - Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ) - Fair Credit Reporting Act ( 15 U.S. Code 1681 ) - California XXXX Fair Debt Collection Practices Act You are hereby instructed to : 1. Cease all collection activity related to this matter.

2. Remove any and all negative reporting from my credit file immediately.

3. Provide written confirmation within 10 days that this matter is closed and that no further attempts to collect will occur.

Failure to comply will result in me pursuing legal action for damages, attorneys fees, and a formal complaint with the CFPB, FTC, and California Attorney Generals Office.

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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint on my own behalf, with no third party involved. I have attached supporting documents that provide more detailed information regarding the inaccurate reporting on my credit report. 

Specifically, there are inconsistencies and untimely reporting of information across all three major credit bureaus : XXXX, Experian, and XXXX. The discrepancies involve conflicting dates and irregular updates that may negatively impact my credit profile. 

I respectfully request that this matter be reviewed and corrected as appropriate. 
Thank you for your attention to this issue.

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: MI

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. 

Under the Fair Credit Reporting Act ( 1681i and 1681e ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates 1681b. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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: AL

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 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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am disputing a collection account reported by Transworld Systems Inc. for XXXX  XXXX XXXX ( Account XXXX XXXX XXXXXXXX ) on my credit report. 

This account is being reported as unpaid with a balance of {$570.00}, but no validation, billing statements, or documentation has been provided. It is potentially inaccurate and unverifiable under FCRA 1681i ( a ) and FDCPA 1692g ( b ). I submitted a dispute to XXXX and have received no confirmation or correction.

I am requesting that this item be deleted from my credit report immediately. 
Attached : XXXX Dispute letters and my credit report.

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: Experian Information Solutions Inc.
State: TN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint on my own behalf, with no third party involved. I have attached supporting documents that provide more detailed information regarding the inaccurate reporting on my credit report. 

Specifically, there are inconsistencies and untimely reporting of information across all three major credit bureaus : XXXXXXXX XXXX, and Equifax. The discrepancies involve conflicting dates and irregular updates that may negatively impact my credit profile.

I respectfully request that this matter be reviewed and corrected as appropriate.

Thank you for your attention to this issue.

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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Possible Financial Inc
State: GA

Complaint narrative:
I am filing this complaint because Possible Financial Inc. is furnishing information to the credit bureaus that is inaccurate, incomplete, and unverifiable. The account shows as negative on my report, but I have not received proper verification of its validity. 

I dispute the accuracy of the balance, payment status, and any legal right to report this information. I requested proof of the original agreement and a full accounting of the debt under the Fair Credit Reporting Act ( FCRA ), but have not received any supporting documentation.

This appears to violate FCRA 1681s-2 ( a ) and 1681i. I am requesting that this tradeline be deleted from my credit report unless it can be fully verified with accurate and complete records.

Company public response: Company disputes the facts presented in the complaint
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00}

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 2025-07-23 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: MS

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, CHALLENGEDORNOT.

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: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Self Financial Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I took out a secured loan with SELF Financial/Lead Bank for {$520.00}. The loan was marked paid and closed by XX/XX/year>, but I never received the release or return of my collateral funds. Ive contacted them multiple times to get my money back and confirmation that my account is closed, but theyve ignored me. This lack of response is unacceptable. 

This situation is making it extremely hard for me to provide for my son. I want the collateral funds sent to me as a check at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. If they can not return the funds, I demand that all related inquiries and negative impacts be completely removed from my credit report. These unresolved issues are putting my financial stability at risk and damaging my future prospects. I am a single mother doing my best to build a better life, and this needs to be fixed immediately.

Company response to consumer: Closed with explanation