vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: MI

Complaint narrative:
I have submitted multiple disputes to XXXX regarding inaccurate information on my credit file. Despite providing sufficient identifying information ( including government ID and proof of address ), XXXX has repeatedly responded with the same boilerplate response : You must first obtain a credit report before we can process your dispute. 
This is the third time they have given me the exact same copy-and-paste response without conducting any investigation into the disputed item. Under the Fair Credit Reporting Act ( FCRA ) 611, a consumer reporting agency must investigate disputed information within 30 days once notified. XXXX is stalling, shifting the burden back to me, and failing to meet their statutory obligation to investigate. Their repetitive responses show a refusal to investigate and clear noncompliance with 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 explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
I am writing to dispute inaccurate information being reported on my credit file. After reviewing my credit reports, I noticed that two late payments have been reported on the following account, for which I have never been late : Account Name : XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reflected in my credit reports. Specifically : 15 U.S.C. 1681i ( Section 611 of the FCRA ) : Provides me the right to dispute information that I believe to be inaccurate, and requires the credit reporting agencies to conduct a reasonable reinvestigation within 30 days. 15 U.S.C. 1681e ( b ) ( Section 607 ( b ) of the FCRA ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 15 U.S.C. 1681s-2 ( Section 623 of the FCRA ) : Requires furnishers of information ( such as creditors or lenders ) to report information accurately and to correct or delete any information that they knowor should knowis inaccurate. I request that you provide documented proof ( such as account statements or payment history ) that supports these alleged late payments. If no such proof can be provided, I demand that these items be deleted or corrected to reflect on time payments, as required by law. Please consider this letter a formal dispute under the FCRA. If this inaccurate information is not removed or corrected, I reserve my right to pursue further remedies available under the law. Thank you for your prompt attention. I expect this matter to be resolved within the legally required time frame. 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 2025-09-10 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: GA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-10 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: PA

Complaint narrative:
PLEASE UPDATE THE FRAUDULENT LATE PAYMENT THAT WAS APPLIED ON MY XXXX XXXX CREDIT CARD ACCOUNT DUE TO UNAUTHORIZED ACCESS TO MY PERSONAL INFORMATION. IMMEDIATE CORRECTION NEEDS TO BE MADE.

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 2025-09-10 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX Re : Dispute of Collection Account Account No. XXXX Notice of Dispute & Request for Validation I am writing to formally dispute the above-referenced collection account that appears on my Experian credit report, prepared XX/XX/XXXX, listing XXXX XXXX XXXX XXXX XXXX XXXX original creditor, with an alleged balance of {$1000.00}. 

This account is being reported as opened XX/XX/XXXX and as of XX/XX/XXXX, shows a status of Collection {$1000.00} past due. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting : 1. Full Validation of the Debt : Provide a complete accounting of the alleged amount. 
Supply copies of all contracts, agreements, or policy documents bearing my signature proving liability. 
Provide documentation verifying your legal right to collect this debt on behalf of XXXX XXXX XXXX XXXX 
XXXX. Verification of Accuracy : Correct or delete any unverifiable, inaccurate, outdated, or incomplete information being reported to the credit bureaus.

Confirm whether this account is still legally enforceable under my states Statute of Limitations.

3. Cease Reporting Until Resolution : Under FCRA, disputed accounts must not be reported as verified until proper validation is supplied. 
If you can not provide sufficient validation, I demand permanent deletion of this account from my credit report.

Legal Basis FCRA ( 15 U.S.C. 1681i ) : Requires reinvestigation of disputed accounts and deletion of unverifiable information.

FDCPA ( 15 U.S.C. 1692g ) : Requires debt collectors to provide proper validation upon request.

FCRA ( 15 U.S.C. 1681c ) : Prohibits reporting of accounts beyond the allowable time period ( typically 7 years from date of first delinquency ). 



Demand If you are unable to provide the above documentation within 30 days, you must cease collection efforts and delete this account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX XXXX 

Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and pursuing legal remedies for violations of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

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 2025-09-10 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: AZ

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence. 
Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with XXXX, the following inaccurate and unauthorized account was verified on my credit report : XXXX XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet TRANSUNION verified it without proper validation. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure TRANSUNION complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

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 2025-09-10 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: FL

Complaint narrative:
I had a XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) lease I took out in XX/XX/XXXX and returned XX/XX/XXXX. The account no. is XXXX. I stopped paying for the car at that time and XXXX  however are continuing to report to the credit agencies this is a current, paid as agreed account when when they know its been 6 years since my last payment. It appears that by marking my account as " Current or paid as agreed " with a open balance due amount of {$12000.00} they are trying to " reage " my account making it look as though it is open and current which it isnt. Concerningly, on my credit reports they even show monthly payments being made on time from XXXX to present. This NEVER happened. This is deceptive and illegal. This delinquency should no longer appear on my credit reports and it's negatively affecting my scores. I have disputed with XXXX and Experian which all come back as 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 explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: UT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX 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 Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a dispute concerning fraudulent accounts listed on my credit profile. I did not authorize or open these accounts, and they do not belong to me in any capacity. Their presence is false, damaging, and undermines the accuracy of 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 explanation
Consumer complaint received 2025-09-10 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: DC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-09-10 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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: GA

Complaint narrative:
You are reporting FRAUDULENT NAME on my credit report. The NAME is -XXXX XXXX XXXX PLEASE DELETE/REMOVE INCORRECT NAME THAT IS REPORTING ON FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: NV

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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: FL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
I was approved for the Wellsfargo credit card on XX/XX/2025. Initially, the card did not arrive because my information showed the physical address and not the postcard where the correspondence arrives. Upon noticing, I contacted Wellsfargo on XX/XX/2025 to provide my mailing address and request the dispatch of a new card. Upon receipt of it, I proceeded to activate it and use it by making the first purchase on XX/XX/2025, and then used it on XX/XX/2025 several times until I saw a message on the account stating that the card was blocked and that I had to call Wellsfargo for more information. By calling Wellsfargo on XX/XX/2025, they tell me that I have to send them evidence of my residential address by XX/XX/2025 and that they will not receive it, the account will be closed for good. That same day I sent evidence of my cell phone bill. As of today, XX/XX/2025, I called for follow-up and they indicate that they have not received the evidence I sent them. I told them that I will send it again and asked them if they can email the notification of the evidence they need, and they tell me that they will not email me about any notifications and if they do not receive the evidence before XX/XX/2025 they will proceed to close my account.

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 2025-09-10 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: PA

Complaint narrative:
PLEASE UPDATE THE FRAUDULENT LATE PAYMENT THAT WAS APPLIED ON MY XXXX XXXX CREDIT CARD ACCOUNT DUE TO UNAUTHORIZED ACCESS TO MY PERSONAL INFORMATION. IMMEDIATE CORRECTION NEEDS TO BE MADE.PLEASE REMOVE ALL ACCOUNTS MY INFORMATION WAS EXPOSED IN A DATA BREACH. THE FOLLOWING ACCOUNTS ARE FRAUDULENT. THE FOLLOWING ACCOUNTS ARE UNAUTHORIZED XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief