vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address the inaccuracies in my credit report. I request an investigation into the following accounts in dispute for each credit bureau ( XXXX XXXX and TransUnion ). Please review the accounts and inquiries listed below, and if any information can not be verified, I request that the items be corrected or removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute : DPT EDXXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$5500.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

DPT EDXXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$5300.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

DPT EDXXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$7800.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

DPT EDXXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$2700.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX Account XXXX : XXXX Reported : XX/XX/XXXX Balance : {$1600.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$3100.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 

XXXX XXXX Account Number : XXXX Reported : XX/XX/XXXX Balance : {$2800.00} Dispute : The account is being reported inaccurately. Please verify the information and correct any discrepancies. 
XXXX Date : XX/XX/XXXX Dispute : This inquiry was made without my authorization or is reported inaccurately. Please remove. 
TransUnion ( TU ) Late Payments : XXXX XXXX XXXX Account Number : XXXX Dispute : The late payment is inaccurately reported. Please verify and correct any discrepancies.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Theft of Money and XXXX of the elderly and accessibility Open Bank and Santander are effectively XXXX Bank. 

Open Bank has locked me out of my account there and I can not retrieve funds deposited. 
The lads on the phone at open back was witnessed by XXXX of the Bank account managers as refusing to help me and hanging up. 

Stantander Fraud Department is impossible to reach by phone and presents on customer 's giving up.

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 2025-11-03 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: MD

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. Code XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. Code XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
I am submitting this complaint because National Credit Systems Inc is attempting to collect and/or report a rental debt that is invalid under Alabama law and federal consumer protection laws. I am a victim of domestic XXXX, and my departure from the rental property located at XXXX XXXX XXXX was directly related to safety concerns and abuse. Under XXXX Code XXXX and XXXX ( f ) of the Alabama Uniform Residential Landlord and Tenant Act ( URLTA ), tenants who are victims of domestic XXXX are legally permitted to terminate a lease early without penalty or financial liability when proper notice and documentation are provided. Despite these protections, National credit system , Inc continues to pursue or report this alleged debt, which is unlawful retaliation and an attempt to collect a debt that is not valid. This has caused me ongoing financial and emotional hardship, especially as a survivor attempting to recover stability and safety. Additionally, this conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX U.S.C. XXXX Harassment or abuse XXXX U.S.C. XXXX False, deceptive, or misleading representation of a debt XXXX U.S.C. XXXX Unfair or unconscionable collection practices XXXX U.S.C. XXXX ( a ) Reporting information known or believed to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am disputing the accuracy of the inquiries listed on my Experian report. Please verify their legitimacy and remove any unauthorized or incorrect entries. 

XXXX XXXX XXXX Date Opened : XX/XX/year> I dispute this inquiry as I did not authorize it. Please verify the legitimacy of this inquiry.

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 2025-11-03 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-03 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am submitting this complaint because TransUnion is reporting accounts that I believe to be inaccurate or unverifiable. I have attempted to resolve these disputes directly with the bureau but have not received sufficient documentation. 

Accounts in Dispute : XXXX XXXX XXXX Account # XXXX Reported Charged Off Balance {$1000.00} Date XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Balance {$2200.00} Date XX/XX/XXXX XXXX  C Account # XXXX Reported Charged Off Balance {$330.00} Date XX/XX/XXXX XXXX  XXXX BANK Account # XXXX Reported Charged Off Balance {$720.00} Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Balance {$2200.00} Date XX/XX/XXXX XXXX XXXX XXXX Account # XXXX Reported Charged Off Date XX/XX/XXXX Reason for Dispute : The above accounts show inconsistencies in charge-off dates, balances, and ownership. Some appear to be duplicates or re-aged. I am requesting that TransUnion verify each account with proper documentation or remove any unverifiable or inaccurate information in compliance with FCRA XXXX ( a ).

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
Attempted to collect on a debt without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am disputing the unauthorized hard inquiries listed on my credit report : XXXX XXXX  XX/XX/XXXX and XXXX XX/XX/XXXX. I did not authorize these inquiries, nor did I give permission for credit to be extended, which violates the Fair Credit Reporting Act ( FCRA ). Under XXXX U.S.C. XXXX ( b ) ( XXXX ), any inquiry must have a permissible purpose, and I did not provide consent for these inquiries to be made. Furthermore, under XXXX U.S.C. XXXX ( b ), consumer reporting agencies are required to ensure the accuracy of all information reported. These unauthorized inquiries are inaccurate and should be removed immediately. Due to the ongoing government shutdown, I was unable to file an Identity Theft report with the FTC, which would have otherwise supported my claim. However, this does not waive the requirement for you to comply with the FCRA and investigate these inquiries. I request that these unauthorized inquiries be removed from my credit file, and I expect a response within the XXXX period mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my TransUnion credit report : Charged Off Accounts : XXXX XXXX AUTO : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX XXXX  : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX  : Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Inquiries : XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX XXXX : Date Opened : XX/XX/XXXX XXXX  CRE : Date Opened : XX/XX/XXXX XXXX  CRE : Date Opened : XX/XX/XXXX XXXX  XXXX : Date Opened : XX/XX/XXXX XXXX FCU : Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX XXXX  : Date Opened : XX/XX/XXXX Late Payments : XXXX  : Account Number : 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 2025-11-03 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: LA

Complaint narrative:
I am disputing the following items reported on my TransUnion credit report. These items appear to be inaccurate and I request a full review and correction. 

Charged Off : XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$300.00} Inquiries : XXXX, Date Open : XX/XX/XXXX Late Payments : XXXX, Account Number : 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 2025-11-03 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: LA

Complaint narrative:
I respectfully request that the following accounts be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries to dispute at this time. 

Positive Accounts : No positive accounts to dispute at this time. 

Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-03 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: IL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under XXXX U.S.C. XXXX. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-03 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-11-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) 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 XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, 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 2025-11-03 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following items on my TransUnion credit report. Please review these accounts for accuracy and ensure they are reported correctly according to the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed. 

INQUIRIES 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