vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: GA

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The personal information on my credit report were outdated.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-25 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: PA

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-25 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: TN

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-25 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-25 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: IL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was hit with a collection on my credit report, that I was never notified, however I explained to them that i was in data breach with XXXX they still tried getting it, I am requesting them to delete it off my credit report and stop trying to get it from me I have proof that my data was leak from XXXX! I even disputed with credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
I was hit with a collection on my credit report, that I was never notified, however I explained to them that i was in data breach with XXXX they still tried getting it, I am requesting them to delete it off my credit report and stop trying to get it from me I have proof that my data was leak from XXXX! I even disputed with credit bureaus

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 2025-06-25 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: LA

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 : [ LA XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Fraudulent debits, Fraudulent XXXX XXXX withdrawals, police report made. 
Tried to pay what I owe. No one has records of the accounts. Tellers tell me to send payment in mail. Payment came back.

Tried to get my credit union to take it over. They would not.

Now I'm talking with my neighborhood ( swcdc ) for council Consulted several lawyers. Some want me to file for bankruptcy. Some asking more the I can afford. 

XXXX XXXX was the only XXXX who advised me to go to XXXX first. 
Advise me on my next step please.

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 2025-06-25 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: IN

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 2025-06-25 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: CA

Complaint narrative:
My repeated requests to correct and remove false information from my credit report have been ignored or denied. As a consumer, I know I have the right to accurate reporting, yet that right is being violated by the continued presence of information that is not fully verified or correct. These inaccuracies are damaging my credit score and creating real setbacks in my life.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Received a debt collection letter in the mail for XXXX. The only debt owed to XXXX came off the credit bureaus agencies in XXXX after being on their for XXXX years. So it accounts for debt forgiveness. This company has shown no validation as to where they received this debt fromz

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: PR

Complaint narrative:
credit inquiries with transunion and XXXX  taht i do not recognize please assist with credit inquiries removal transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX I do not recognize these inquiries .. please assist with removal

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding an auto loan that was repossessed in XX/XX/XXXX. XXXX is reporting materially inaccurate and unverifiable information to the credit bureaus and has failed to respond to multiple direct attempts to resolve the matter. 

Details of Inaccurate Reporting : Date of XXXX XXXX is being reported as XX/XX/XXXX, which is incorrect. My last payment was made on XX/XX/XXXX, approximately XXXX weeks before the vehicle was repossessed on XX/XX/XXXX. 

XXXX XXXX of {$27000.00} is being reported from XXXX to XX/XX/XXXX, but this is simply the original loan amount, not a valid current balance. This is misleading and not consistent with account history. 

Date of First Delinquency is inconsistently reported : XXXX XXXX XXXXXX/XX/XXXX Experian : XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX I have disputed this account with all three credit bureaus, and XXXX has repeatedly verified the tradeline without providing documentation or correcting the clearly conflicting dates. This indicates that XXXX is failing to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) XXXX. 

Additionally : XXXX has ignored multiple written attempts to contact them directly regarding this account. I have made good-faith efforts resolve this account and obtain verification of the reported deficiency balance of {$6300.00}. XXXX has not responded to any of my inquiries. 

Furthermore, I have never received : A Notice of Intent to Sell after the repossession ( required by California Civil Code 2983.2 ) A Deficiency Notice after the vehicle was sold ( required by California Civil Code 2983.8 ) Because XXXX is reporting a balance that XXXX not be legally owed and is submitting conflicting and unverifiable derogatory information, I believe the tradeline is materially inaccurate and should be deleted.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding an auto loan that was repossessed in XX/XX/XXXX. XXXX is reporting materially inaccurate and unverifiable information to the credit bureaus and has failed to respond to multiple direct attempts to resolve the matter. 

Details of Inaccurate Reporting : Date of XXXX XXXX is being reported as XX/XX/XXXX, which is incorrect. My last payment was made on XX/XX/XXXX, approximately XXXX weeks before the vehicle was repossessed on XX/XX/XXXX. 

XXXX XXXX of {$27000.00} is being reported from XXXX to XX/XX/XXXX, but this is simply the original loan amount, not a valid current balance. This is misleading and not consistent with account history. 

Date of First Delinquency is inconsistently reported : Equifax : XX/XX/XXXXXXXX XXXX : XX/XX/XXXXXXXX XXXX  : XX/XX/XXXX I have disputed this account with all three credit bureaus, and XXXX has repeatedly verified the tradeline without providing documentation or correcting the clearly conflicting dates. This indicates that XXXX is failing to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) 611. 

Additionally : XXXX has ignored multiple written attempts to contact them directly regarding this account. I have made good-faith efforts resolve this account and obtain verification of the reported deficiency balance of {$6300.00}. XXXX has not responded to any of my inquiries. 

Furthermore, I have never received : A Notice of Intent to Sell after the repossession ( required by California Civil Code 2983.2 ) A Deficiency Notice after the vehicle was sold ( required by California Civil Code 2983.8 ) Because XXXX is reporting a balance that may not be legally owed and is submitting conflicting and unverifiable derogatory information, I believe the tradeline is materially inaccurate and should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding an auto loan that was repossessed in XX/XX/XXXX. XXXX is reporting materially inaccurate and unverifiable information to the credit bureaus and has failed to respond to multiple direct attempts to resolve the matter. 

Details of Inaccurate Reporting : Date of Last Payment is being reported as XX/XX/XXXX, which is incorrect. My last payment was made on XX/XX/XXXX, approximately XXXX weeks before the vehicle was repossessed on XX/XX/XXXX. 

High Balance of {$27000.00} is being reported from XXXX to XX/XX/XXXX, but this is simply the original loan amount, not a valid current balance. This is misleading and not consistent with account history. 

Date of First Delinquency is inconsistently reported : XXXX XXXX  XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX I have disputed this account with all three credit bureaus, and XXXX has repeatedly verified the tradeline without providing documentation or correcting the clearly conflicting dates. This indicates that XXXX is failing to perform proper investigations as required by the Fair Credit Reporting Act ( FCRA ) XXXX. 

Additionally : XXXX has ignored multiple written attempts to contact them directly regarding this account. I have made good-faith efforts resolve this account and obtain verification of the reported deficiency balance of {$6300.00}. XXXX has not responded to any of my inquiries. 

Furthermore, I have never received : A Notice of Intent to Sell after the repossession ( required by California Civil Code 2983.2 ) A Deficiency Notice after the vehicle was sold ( required by California Civil Code 2983.8 ) Because XXXX is reporting a balance that may not be legally owed and is submitting conflicting and unverifiable derogatory information, I believe the tradeline is materially inaccurate and should be deleted.

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 2025-06-25 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-25 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: MS

Complaint narrative:
XXXX record currently show me late on my XXXX home mortgage for the months of XX/XX/XXXX and XX/XX/XXXX. However this information is inaccurate. Both XXXX and XXXX correctly report these payments are on-time payments for those same months. I request that Trans Union correct the reporting to reflect on-time payments for XX/XX/XXXX and XX/XX/XXXX consistent with the other credit bureaus

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