vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

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. In accordance with the Fair Credit Reporting Act. The list of the account below has violated my federal consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 section 602a states I have the right to privacy 15 U.S.C 1681 Section 604a 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 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 the the information is inaccurate. 

Account : Fair collections and outsourcing

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 2025-11-17 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: NC

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX to your agency, [ Experian/TransUnion/Equifax ] XXXX 
and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain intormadon regarding transactons or expenences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXXXXXX XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit report. 
15 U.S. Code 55 1681a ( 2KA ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If USA can not provide the necessary proof of mailing or delivery of the required Information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry 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 2025-11-17 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: MI

Complaint narrative:
Notice of Dishonor and Opportunity to Cure I, XXXX XXXX XXXX XXXX the Owner, Proprietor, and Authorized Representative of the entity styled XXXX XXXX XXXX XXXX and the Holder of the Social Security Number ending in XXXX XXXX hereby notify TransUnion, Equifax, Experian, and all other credit reporting agencies, of the following : I have repeatedly requested verified evidence of any lawful contract, agreement, or authorization between myself and your company that permits you to obtain, store, use, or disseminate my personal information or consumer reports. 

I initiated a complaint with the Consumer Financial Protection Bureau ( CFPB ) specifically requesting this verification. Instead of addressing my request, each company issued generic, automated, computer-generated responses that neither answered the questions presented nor produced any evidence of a contract or permissible purpose. These responses circumvented my original request and failed to provide proof of lawful authority to maintain or publish my consumer information. 

During the period in which I awaited your responses, I received an unusual surge of unsolicited solicitations, marketing offers, and credit-related advertisements from multiple entities. This timing raises serious concerns regarding the use, dissemination, or potential unauthorized exposure of my consumer data. 

I am renewing my request : Provide verified documentation showing a lawful contract, consent, or permissible purpose under 15 U.S.C. 1681b ( FCRA ).

Failure to provide such evidence will be taken as : 1. Dishonor of my lawful request, 2. Confirmation of no existing contract, and 3. Continuing violation of the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681b ( permissible purposes ), 15 U.S.C. 1681e ( b ) ( reasonable procedures )
, 15 U.S.C. 1681i ( failure to properly investigate disputes ).

I reserve all rights, remedies, and defenses, including but not limited to further action through the CFPB, State Attorney General, and other regulatory or judicial avenues. 

I demand full compliance and a verified response.

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 2025-11-17 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint because LexisNexis is reporting and distributing information about me without any permissible purpose, authorization, or legal justification. I have been the victim of identity theft, and I have already filed an official FTC Identity Theft Report ( Report # XXXX ). 

Multiple accounts, inquiries, public records, and data entries associated with my name do not belong to me, were never authorized by me, and were obtained or furnished unlawfully. This includes information that has been shared with third parties and other consumer reporting agencies without my consent.

Under FCRA 603 ( q ), 604 ( a ), 609 ( e ), 611, 623 ( a ) ( 1 ) ( A ), and 605B, LexisNexis is prohibited from furnishing or maintaining inaccurate, unauthorized, or identity-theft-related information. Despite this, LexisNexis continues to maintain records that are harming my credit, banking, insurance, background checks, and overall ability to obtain housing, utilities, and financial services.

I am requesting immediate investigation and permanent blocking of all fraudulent, unauthorized, inaccurate, and identity-theft-related information. I am also requesting removal of any data LexisNexis obtained, retained, or distributed without my explicit written consent as required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
Summary of Issue : Aidvantage is reporting inaccurate, incomplete, and unverifiable information regarding my student loan account. This has negatively affected my credit file. Aidvantage has not complied with its required responsibilities under FCRA and Department of Education regulations.

Violations : 1. FCRA 1681e ( b ) Failure to ensure maximum possible accuracy Aidvantage is furnishing student loan information that is inconsistent, outdated, incomplete, and can not be verified through documentation.

2. FCRA 1681s-2 ( b ) Failure to conduct adequate investigation Upon receiving my dispute, Aidvantage did not provide : A promissory note, Payment history, Loan transfer records, Compliance documentation required by law.

Because Aidvantage could not verify the accuracy of the information, continued reporting is unlawful.

3. 34 C.F.R. 682.208 ( f ) Failure to update and correct credit information Federal law requires Aidvantage to provide timely, complete, and accurate updates to credit bureaus. Aidvantage has violated this rule by failing to correct erroneous reporting.

Requested Resolution : I request that the CFPB require Aidvantage to : 1. Provide full verification of the loan using all required federal documentation ; 2. Remove any inaccurate or unverifiable reporting from all credit bureaus ; 3. Provide written confirmation of corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I returned an XXXX that was financed through Apple Card Monthly Installments ( XXXX ). I had paid the entire balance of the phone off ( ~ {$1400.00} ). Once returned, the refund created a large positive balance on my Apple Card. Since then, the account has been stuck in a loop where I can not transfer the positive balance back to my bank, and I also can not make an early payment on my new XXXX loan.

I have contacted Apple Card/Goldman Sachs support multiple times, spending hours on calls, including three supervisors. Two supervisors told me they manually processed a transfer to my bank and confirmed it was in process and I would have the funds returned. Days later, I was informed the transfers were actually declined with no explanation. No one can clearly explain what is blocking the transfer or why I am prevented from paying down my installment.

I have been told different and contradictory information each time I call. I still can not transfer my positive balance back to my bank account or pay off the installment loan. I have requested that this issue be escalated and that Goldman Sachs :
( 1 ) explain what internal lock or restriction is preventing payments and transfers, and ( 2 ) release the funds and restore normal payment functionality.

This situation has been ongoing despite multiple attempts to resolve it and hours on the phone with three separate supervisors. The company has not provided a clear explanation or solution to pay off my phone balance. They
have stalled and led me with false pretenses so that I am no longer within the return period. They currently have over {$1100.00} of mine that I can not use to pay off the phone or transfer to my bank.

Goldman Sachs retains all related calls and internal information, which will support this claim. Today is XX/XX/year>. I first called about this issue three weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I pulled my credit report and noticed inquiries that I did not authorize on it. XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-11-17 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: OH

Complaint narrative:
Re : Immediate Deletion XXXX XXXX ( Metro2 Non-Compliance ) I am disputing the XXXX XXXX accounts for Metro2, FCRA, and TILA violations. XXXX sold these accounts, yet continues reporting them as charge-offs, which is inaccurate and non-compliant.

Required under Metro2 : Accounts sold must report Status 93 : Transferred/Sold DOFD must match legal delinquency history XXXX violated both.

Additional violations : FCRA 602, 607 ( b ), 611, 623 TILA 1641 ( f ) ( 2 ) ( failure to identify creditor ) REQUEST : Delete all XXXX XXXX accounts immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
Re : Immediate Deletion XXXX XXXX ( Metro2 Non-Compliance ) I am disputing the XXXX XXXX accounts for Metro2, FCRA, and TILA violations. XXXX sold these accounts, yet continues reporting them as charge-offs, which is inaccurate and non-compliant.

Required under Metro2 : Accounts sold must report Status 93 : Transferred/Sold DOFD must match legal delinquency history XXXX violated both.

Additional violations : FCRA 602, 607 ( b ), 611, 623 TILA 1641 ( f ) ( 2 ) ( failure to identify creditor ) REQUEST : Delete all XXXX XXXX accounts immediately. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiries Equifax Failed to Conduct a Reasonable Investigation I am filing this complaint because Equifax is reporting multiple hard inquiries that I did NOT authorize, and Equifax failed to provide any proof that I granted permission for these companies to access my credit report. 

I disputed each of the following inquiries directly with Equifax : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each inquiry, I submitted the dispute reason : I didnt give this company authorization to access my credit report for this reason. 

Despite my dispute, Equifax marked these inquiries as verified without providing : A signed credit application Proof of written authorization Any documentation showing I granted permission Any explanation of how the investigation was conducted Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to : 1. Conduct a reasonable investigation, 2. Contact the furnisher, 3. Obtain actual documentation showing my authorization.

Equifax has not provided any evidence that I authorized these companies to access my credit file. 
If Equifax can not produce written proof, then these inquiries must be removed. 

I am requesting CFPB assistance to require Equifax to : Provide documentation showing I authorized each inquiry ( signed application or written consent ), OR Remove the inquiries from my credit report if no proof exists. 

These inquiries are harming my credit score and were not authorized by me. 
I am requesting a full reinvestigation with documentation. 

Thank you for your assistance.

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 2025-11-17 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: FL

Complaint narrative:
Subject : Unauthorized Hard Inquiries Equifax Failed to Conduct a Reasonable Investigation I am filing this complaint because Equifax is reporting multiple hard inquiries that I did NOT authorize, and Equifax failed to provide any proof that I granted permission for these companies to access my credit report. 

I disputed each of the following inquiries directly with Equifax : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For each inquiry, I submitted the dispute reason : I didnt give this company authorization to access my credit report for this reason. 

Despite my dispute, Equifax marked these inquiries as verified without providing : A signed credit application Proof of written authorization Any documentation showing I granted permission Any explanation of how the investigation was conducted Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to : 1. Conduct a reasonable investigation, 2. Contact the furnisher, 3. Obtain actual documentation showing my authorization.

Equifax has not provided any evidence that I authorized these companies to access my credit file. 
If Equifax can not produce written proof, then these inquiries must be removed. 

I am requesting CFPB assistance to require Equifax to : Provide documentation showing I authorized each inquiry ( signed application or written consent ), OR Remove the inquiries from my credit report if no proof exists. 

These inquiries are harming my credit score and were not authorized by me. 
I am requesting a full reinvestigation with documentation. 

Thank you for your assistance.

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 2025-11-17 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX  XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MOHELA
State: TN

Complaint narrative:
STUDENT LOAN COMPANY FAILED TO RESPOND TO MY LETTER SENT OVER 60 DAYS AGO. NOT ONLY THAT BUT IS REPORTING A 90 DAY LATE PAYMENT AND THERE IS NO 30 OR 60 DAY. THIS IS A METRO 2 AND FCRA VIOLATION. PLEASE DELETE THIS INACCURATE ACCOUNT FROM MY CREDIT REPORT. I HAVE ATTACHED THE LETTER THAT EXPLAINS THE VIOLATION.

Company response to consumer: Untimely response