vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: MO

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting on my credit report. The account XXXX XXXX XXXX XXXXXXXX, with a reported balance of {$250.00}, shows a late payment of 30 days in XX/XX/year>. According to my records, this information is inaccurate. Under FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under FCRA 1681i ( a ), I have the right to dispute any information that is inaccurate or unverifiable, and the credit reporting agency is required to conduct a reasonable reinvestigation and correct or delete any inaccurate data

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 2025-10-14 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: CA

Complaint narrative:
I am submitting this statement to dispute the accuracy of the late payment information being reported on my credit profile. The accounts in question include XXXX XXXX with a reported balance of {$560000.00}, which reflects multiple late payments 30, 60, 90, and 120 days late across several months, and XXXX XXXX XXXX and XXXX XXXX XXXX, both marked as tied-up accounts. Additionally, another entry for XXXX XXXX shows a {$0.00} balance but is inaccurately listed as 120 days late, which appears contradictory and unverifiable. 
These inconsistencies suggest potential reporting errors or failure to properly validate the accuracy of payment history and account status. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies to ensure the maximum possible accuracy of all data included in a consumers file. Furthermore, Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or reasonably should know is inaccurate. In addition, FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) grants me the right to request a reinvestigation of disputed information to verify its accuracy and completeness.

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 2025-10-14 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-14 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:
I am submitting this statement to dispute the accuracy of the late payment information being reported on my credit profile. The accounts in question include XXXX XXXX with a reported balance of {$560000.00}, which reflects multiple late payments 30, 60, 90, and 120 days late across several months, and XXXX XXXX XXXX and XXXX XXXX XXXX, both marked as tied-up accounts. Additionally, another entry for XXXX XXXX shows a {$0.00} balance but is inaccurately listed as 120 days late, which appears contradictory and unverifiable. 
These inconsistencies suggest potential reporting errors or failure to properly validate the accuracy of payment history and account status. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies to ensure the maximum possible accuracy of all data included in a consumers file. Furthermore, Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or reasonably should know is inaccurate. In addition, FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) grants me the right to request a reinvestigation of disputed information to verify its accuracy and completeness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting this statement to dispute the accuracy of the late payment information being reported on my credit profile. The accounts in question include XXXX XXXX with a reported balance of {$560000.00}, which reflects multiple late payments 30, 60, 90, and 120 days late across several months, and XXXX XXXX XXXX and XXXX XXXX XXXX, both marked as tied-up accounts. Additionally, another entry for XXXX XXXX shows a {$0.00} balance but is inaccurately listed as 120 days late, which appears contradictory and unverifiable. 
These inconsistencies suggest potential reporting errors or failure to properly validate the accuracy of payment history and account status. Under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires consumer reporting agencies to ensure the maximum possible accuracy of all data included in a consumers file. Furthermore, Section 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting any information they know or reasonably should know is inaccurate. In addition, FCRA Section 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) grants me the right to request a reinvestigation of disputed information to verify its accuracy and completeness.

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 2025-10-14 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB to formally dispute inaccurate information being reported on my credit report. The Fair Credit Reporting Act ( FCRA ) Section 1681i obligates credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes inaccurate information. The Fair Debt Collection Practices Act ( FDCPA ) Section 1692e prohibits debt collectors from using false, misleading, or deceptive representations. I am bringing these issues to CFPB attention for immediate investigation and correction of my credit report. 

ACCOUNT XXXX XXXX XXXX XXXX High Balance : {$870.00} Date Opened : XX/XX/year> Late Payment Law/Issue : FCRA 1681i, 1681s-2 ( b ) Late payment reporting is inaccurate and unverifiable. 
Story : I have never missed a payment or been delinquent on this account. The reported late payment does not match my payment history or records. Under FCRA, the bureau must verify the accuracy of all reported delinquencies directly with the furnisher. If verification can not be produced, this late payment must be deleted. 

INQUIRY XXXX XXXX XX/XX/year> Law/Issue : FCRA 604 ( a ) ( 3 ) Unauthorized hard inquiry. 
Story : I did not authorize this inquiry. Inclusion of this inquiry without my consent violates the FCRA. I demand its immediate removal. 

INQUIRY XXXX XXXX XXXX XX/XX/year> Law/Issue : FCRA 604 ( a ) ( 3 ) Unauthorized hard inquiry. 
Story : I have no relationship with this creditor and did not provide authorization for this inquiry. Verification is required, and if not possible, this inquiry must be removed. 

In summary, the reporting of an incorrect address, false late payment, and unauthorized inquiry has caused significant harm to my credit profile and potential access to credit. Under the Fair Credit Reporting Act Sections 1681i and 1681e ( b ) and the Fair Debt Collection Practices Act Section 1692e, I am requesting that CFPB ensures these inaccuracies are promptly corrected or deleted from my credit report. Immediate action will prevent further harm and ensure my rights are fully protected.

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 2025-10-14 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am being charged for a service that I did not use. I could not use the service because it was not as advertised. The date of the transaction was XX/XX/year> for {$570.00}

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 monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
On XX/XX/year> I deposited XXXX into open bank by santander after few days they blocked the account and I called to find out the reason as to why it got blocked and told me the account is under review multiple times and told me to wait for a resolution for 90 days. I didn't get any answer.

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 2025-10-14 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-14 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: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Employer - 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  Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
Re : Request for Debt Validation under 15 U.S.C. 1692g This letter is being sent in response to a notice or communication I received from your office regarding an alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. 

Please provide the following information : The name and address of the original creditor. 

The amount of the alleged debt, including an itemized breakdown of all fees, interest, and other charges. 

A copy of the original signed contract or agreement bearing my signature that verifies my obligation to pay this debt. 

Proof that you are licensed to collect debts in my state, including your license number and the name of the issuing authority. 

The date and manner in which this alleged debt was incurred. 

Be advised that until you provide full validation of this debt, you must cease all collection activities, including phone calls, letters, or reporting this alleged debt to any credit reporting agency, as required by 15 U.S.C. 1692g ( b ). 

If you have already reported this account to any credit bureau, please be aware that continuing to report unverifiable information may constitute a violation of 15 U.S.C. 1692e ( 8 ), which prohibits communicating false or misleading credit information. 

I expect your response within 30 days as provided by law. Please send all correspondence in writing to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Repeated excessive phone calls and emails more than 7 a week. Starting early in the XXXX  and often while I am at work. I tried to inform them on the passing of my mother and how it created a financial burden and I was working on paying back and waiting for XXXX XXXX payout. They seem to not care and also reposessed my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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