vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX XXXX XXXX XXXX business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-05 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: NY

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-05 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: PA

Complaint narrative:
This is a formal follow-up to my previous correspondence regarding inaccurate and unverified negative items being reported on my credit file. Upon further review, I have identified multiple discrepancies in the way the following negative accounts are being reported by TransUnion, Experian, and Equifax.

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 2025-05-05 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: PA

Complaint narrative:
This is a formal follow-up to my previous correspondence regarding inaccurate and unverified negative items being reported on my credit file. Upon further review, I have identified multiple discrepancies in the way the following negative accounts are being reported by TransUnion, Experian, and Equifax.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Hughes Finance
State: TX

Complaint narrative:
Closed Installment Loan Still Reporting Late Payments I am disputing inaccurate reporting of late payments on a closed installment loan account that continues to affect my credit score. This account has been closed, and no payments should be due. However, it is still being reported as delinquent with late payments, which is incorrect and misleading. 

I have attempted to resolve this issue with the creditor and the credit bureau, but the information remains unchanged. This ongoing reporting error violates the Fair Credit Reporting Act and is unfairly damaging my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
THESE ACCOUNT DO NOT BELONG TO ME AND ARE FRAUDLANT PLEASE REMOVED AS SOON AS POSSIBLE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MI

Complaint narrative:
I am filing a complaint against Equifax and Experian for failing to comply with FCRA Section 605B. I submitted a formal identity theft dispute, requesting the XXXX block and permanent deletion of fraudulent accounts that do not belong to me. These accounts include : XXXX XXXX, Account # : XXXX XXXX XXXX XXXX Account # : XXXX * * *, {$22000.00} ( previously removed, now reappearedsuggesting it was resold ) XXXX, Account # : XXXX * * * * * * * * * *, {$520.00} I provided an FTC Identity XXXX Report, government-issued ID, and proof of address. Despite meeting all legal requirements, these accounts remain on my credit report. Equifax has failed to block and delete them within the XXXX business days as required by law. I am requesting CFPB intervention to enforce compliance and ensure these accounts are permanently 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 2025-05-05 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:
This is a formal complaint against Equifax for knowingly violating my federally protected rights under both FCRA 605B and 611 ( a ) ( 2 ) ( B ). 
I submitted a full identity theft claim supported by : A valid FTC Identity Theft Report My government-issued ID Social Security card Proof of address Despite meeting every legal requirement, Equifax chose to ignore its duty to block this information and instead issued a dismissive response, claiming they forwarded my case to the data furnishers for verification. This behavior is not just incorrect it is illegal. 
Under 605B, Equifax is required to block disputed identity theft-related information within 4 business days of receiving the documents. 
Under 605B ( c ) ( 3 ), Equifax is strictly prohibited from continuing to publish, resell, or reinvestigate the data unless I certify in writing that it is accurate which I have not and will not do. 
Additionally, under 611 ( a ) ( 2 ) ( B ), Equifax is required to give proper weight to my supporting evidence and conduct a reasonable, document-based investigation. Instead, they relied solely on a third-party response from the furnisher, which is insufficient and unlawful when federal identity theft documentation has already been provided. 
Equifaxs refusal to block this data and its continued use of third-party verifications amounts to willful noncompliance with federal law. 
I demand the immediate and permanent block of the following fraudulent items : XXXX XXXX XX/XX/year> If not resolved, I reserve the right to escalate this matter through additional legal and regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AZ

Complaint narrative:
Equifax is reporting late payments on XXXX ( Account XXXX. XXXX ) and XXXX ( Account XXXX. XXXX ), both of which are showing {$0.00} balances and {$0.00} past due amounts. Reporting any form of delinquency under these conditions is deceptive and damaging. This implies that Equifax is either not reviewing the data furnished to them or ignoring clear signs of reporting errorsboth are unacceptable under 15 USC 1681e ( b ). These entries create false impressions of financial irresponsibility and are likely due to unverified or corrupted data uploads, possibly from a data breach or faulty transmission from the furnishers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX XXXX account appearing on my credit report. After reviewing my report, I have found material inaccuracies and compliance issues with how this account is being reported : The account is listed as a charge-off but also marked open, which is a clear contradiction. 
Late payments continue to be reported after the charge-off date, violating Metro 2 guidelines for post-charge-off reporting. 
The balance is inconsistently reported as both {$0.00} and {$6500.00}, creating confusion and inaccuracy. 
The remarks state Consumer disputes reinvestigation in progress, yet this matter remains unresolved despite my prior disputes. 

Importantly, XXXX XXXX has likely already written off this debt ( as shown by the charge-off status ), and under IRS rules , if a Form 1099-C Cancellation of Debt has been issued, no further collection or negative reporting should be occurring. 



My formal requests under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and 1681i ( a ) ) are : 1. A full reinvestigation of the entire account ; 2. Verification of all fields ( payment status, charge-off details, balance, and dates ) ; 3. If XXXX XXXX can not provide complete, accurate, and verifiable documentation of the debt ( including proof of ownership, legal right to collect, and 100 % Metro 2 compliant reporting ), I am demanding : The permanent deletion of this account from my credit report immediately ; Confirmation of whether a 1099-C was issued, which would confirm the debt has been canceled and must not continue to damage my credit profile ; Correction of any false or misleading data related to balance, payment history, and account status. 

Failure to correct these errors may result in further complaints, legal action, and damages claims under the FCRA. 

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and attached supporting documentation. 

Please complete your reinvestigation within the required 30 days as outlined by federal 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 non-monetary relief
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX XXXX account appearing on my credit report. After reviewing my report, I have found material inaccuracies and compliance issues with how this account is being reported : The account is listed as a charge-off but also marked open, which is a clear contradiction. 
Late payments continue to be reported after the charge-off date, violating Metro 2 guidelines for post-charge-off reporting. 
The balance is inconsistently reported as both {$0.00} and {$6500.00}, creating confusion and inaccuracy. 
The remarks state Consumer disputes reinvestigation in progress, yet this matter remains unresolved despite my prior disputes. 

Importantly, XXXX XXXX has likely already written off this debt ( as shown by the charge-off status ), and under IRS rules , if a Form 1099-C Cancellation of Debt has been issued, no further collection or negative reporting should be occurring. 



My formal requests under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and 1681i ( a ) ) are : 1. A full reinvestigation of the entire account ; 2. Verification of all fields ( payment status, charge-off details, balance, and dates ) ; 3. If XXXX XXXX can not provide complete, accurate, and verifiable documentation of the debt ( including proof of ownership, legal right to collect, and 100 % Metro 2 compliant reporting ), I am demanding : The permanent deletion of this account from my credit report immediately ; Confirmation of whether a 1099-C was issued, which would confirm the debt has been canceled and must not continue to damage my credit profile ; Correction of any false or misleading data related to balance, payment history, and account status. 

Failure to correct these errors may result in further complaints, legal action, and damages claims under the FCRA. 

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and attached supporting documentation. 

Please complete your reinvestigation within the required 30 days as outlined by federal 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 2025-05-05 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: PA

Complaint narrative:
To Whom It May Concern, I am formally disputing the XXXX XXXX account appearing on my credit report. After reviewing my report, I have found material inaccuracies and compliance issues with how this account is being reported : The account is listed as a charge-off but also marked open, which is a clear contradiction. 
Late payments continue to be reported after the charge-off date, violating Metro 2 guidelines for post-charge-off reporting. 
The balance is inconsistently reported as both {$0.00} and {$6500.00}, creating confusion and inaccuracy. 
The remarks state Consumer disputes reinvestigation in progress, yet this matter remains unresolved despite my prior disputes. 

Importantly, XXXX XXXX  has likely already written off this debt ( as shown by the charge-off status ), and under IRS rules , if a Form 1099-C Cancellation of Debt has been issued, no further collection or negative reporting should be occurring. 



My formal requests under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) and 1681i ( a ) ) are : 1. A full reinvestigation of the entire account ; 2. Verification of all fields ( payment status, charge-off details, balance, and dates ) ; 3. If XXXX XXXX can not provide complete, accurate, and verifiable documentation of the debt ( including proof of ownership, legal right to collect, and 100 % Metro 2 compliant reporting ), I am demanding : The permanent deletion of this account from my credit report immediately ; Confirmation of whether a 1099-C was issued, which would confirm the debt has been canceled and must not continue to damage my credit profile ; Correction of any false or misleading data related to balance, payment history, and account status. 

Failure to correct these errors may result in further complaints, legal action, and damages claims under the FCRA. 

I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter and attached supporting documentation. 

Please complete your reinvestigation within the required 30 days as outlined by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion is displaying outdated and potentially inaccurate personal address data, including a current address listed as XXXX XXXX XXXX XXXX XXXX, MA XXXX with a date of XX/XX/year>, which appears to be improperly labeled as current despite being nearly XXXX decades old. Additionally, the previous address XXXX XXXX XXXX XXXX, MA XXXX not verified as relevant or associated with any open accounts. This outdated and potentially misassigned personal data reflects a lapse in proper data governance and accuracy, violating the standards outlined in 15 USC 1681e ( b ).

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 2025-05-05 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: AL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Hello, I have been a customer at XXXX XXXX  since XX/XX/XXXX, my monthly payments have always been made on time. This concerns a lease for a new XXXX car. My personal bank blocked all my accounts, debit and credit cards due to fraud, I informed XXXX of this problem and I will be able to make the payment as soon as my account is available. My account remained blocked for more than 1 month which generated a late payment of 30 days and reported on my credit score. The problem is that the XXXXXXXX XXXX  ( Santander ) changed the late month several times, the first time it was XX/XX/XXXX, then XX/XX/XXXX and now XX/XX/XXXX, this prevented me from borrowing for a loan since the first time, the mention was in XXXX. I am a customer and very unhappy with this way of doing things. I have contacted customer service several times and received no response or they hang up on me. After several months, I sent an email to the CEO of XXXX on XX/XX/XXXX, and I never received a response. After several months, I followed up by email with the CEO and all the managers at Santander on XX/XX/XXXX. I received an email from the dispute department the next day and since then, no further information. I find it unacceptable that this bank doesn't care about its customers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion XXXX. XXXX XXXX  XXXX, XXXX  XXXX Subject : Request to Update and Correct Personal Information ( Address ) To Whom It May Concern, I am submitting this formal request to correct inaccurate personal identification information on my credit file. I am requesting that all outdated, incorrect, or prior addresses be removed and that my current residential address be updated as follows : Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX The addresses currently reported on my credit file are incorrect and outdated. I no longer reside at those addresses, and their presence has contributed to confusion in my credit history and possible unauthorized activity or misreporting. As required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), I am entitled to accurate and complete information on my credit report. 

I am enclosing the following documentation as verification of my current address : Copy of my government-issued ID with my current address Recent utility bill or lease agreement Previous Addresses to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit profile to reflect the accurate, current address listed above and confirm this correction in writing at your earliest convenience. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of valid photo ID Proof of current address

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