vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to report an unauthorized inquiry appearing on my TransUnion credit report and to request its immediate removal, as this entry is inaccurate, unauthorized, and reported without any valid permissible purpose. Upon reviewing my TransUnion file, I discovered that XXXX XXXX, dated XX/XX/year>, is being reported even though I did not apply for credit, authorize the inquiry, or provide consent for any permissible purpose, which makes this reporting a direct violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy, as well as FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), which strictly prohibit consumer reporting agencies and furnishers from obtaining or reporting a consumer report or inquiry without explicit authorization or a legally permissible purpose. The presence of this unauthorized inquiry misrepresents my financial activity, negatively affects my creditworthiness, and may impact my ability to secure future credit or financial products, creating unnecessary harm and stress while violating my federal consumer protection rights. I did not initiate or approve this inquiry in any manner, and its reporting is therefore unlawful, misleading, and unjustified. I am requesting that the CFPB intervene to ensure TransUnion immediately removes this inquiry from my credit report and corrects my file so that it reflects only authorized, accurate, and verified information as required under 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a complaint to formally request the immediate removal of multiple inaccurate, unauthorized, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports, as these entries misrepresent my credit history, negatively impact my creditworthiness, and cause undue financial and emotional stress. Specifically, XXXX  XXXX XXXX and XXXX  XXXX XXXX are reported as late closed accounts with {$0.00} balances on Experian  without verification ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX  is reported as a charge-off across all three bureaus with no supporting documentation ; high-balance charge-offs including XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$5500.00} ) and XXXXXXXX XXXX XXXXXXXX ( {$2700.00} and {$7100.00} ) are reported without proper verification or validation ; collections such as XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  {$1700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX {$3200.00} ), and XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX, {$830.00} ) are reported on all three bureaus without proper authorization, verification, or supporting documentation ; and an inquiry for XXXX XXXX XXXXXX/XX/year> appears on TransUnion without my authorization. These items violate FCRA 607 ( b ), FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), FCPA 807, FDCPA 809, 605B / 15 U.S.C. 1681c-2, and FCRA 619, 604 ( a ), and 604 ( f ), and their continued presence is inaccurate, unauthorized, and unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
I am submitting this complaint to address inaccurate reporting of my late-open accounts across Experian, Equifax, and TransUnion, which misrepresent my payment history and credit behavior. My Department of Education account ( XXXX XXXX XXXX ) is reported with conflicting late payment information : Experian lists XX/XX/XXXX 90 days late, XX/XX/XXXX 120 days late, XX/XX/XXXX 150 days late, Equifax lists XX/XX/XXXX 90 days late through XX/XX/XXXX 120 days late, and TransUnion lists XX/XX/XXXX 90 days late through XX/XX/XXXX 120 days late. These discrepancies create a misleading and inconsistent account history, which violates FCRA 607 ( b ) and 623 ( a ) ( 2 ) requiring that consumer reporting agencies maintain accurate and complete account information. 
Similarly, my XXXX XXXX account ( XXXX ) is reported with XXXX late payments from XX/XX/XXXX to XX/XX/XXXX across all bureaus, but the timing and severity of delinquencies differ between reports, creating inconsistencies in my credit file. Additionally, XXXX XXXX XXXX XXXX ) is reported as 120 days late as of XX/XX/XXXX in Equifax, while Experian and TransUnion reflect different or incomplete information. These errors compromise the accuracy and integrity of my credit report, which is protected under FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a complaint regarding multiple unauthorized and inaccurate credit inquiries that have appeared on my credit reports with all three major credit bureaus Experian, Equifax, and TransUnion. Specifically, there are inquiries from XXXX XXXX  on XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX, that I did not authorize or initiate. These inquiries are marked as hard inquiries, which under the Fair Credit Reporting Act ( FCRA ) can only be made with my explicit consent, yet I never provided permission for any of these. I have no history of interaction with these companies and was never notified of these inquiries before they appeared on my credit reports. I believe these entries may be the result of a mistake or even fraudulent activity. These unauthorized inquiries have harmed my credit score and are damaging my financial reputation. I have disputed these entries with each of the three credit bureaus Experian, Equifax, and TransUnionbut they remain unresolved, and I am requesting that the CFPB assist in ensuring these inquiries are removed and that my credit reports are corrected promptly in accordance 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
The furnisher ( XXXX XXXX XXXX ) has falsely verified this account multiple times despite providing NO validation, NO documentary evidence, and furnishing blatantly inaccurate, incomplete, and impossible information. 

The account shows illegal re-aging, including reporting repossession dates in XXXX for a vehicle taken in XXXX, reporting a five-year repossession period, updating the balance years later, and showing Invalid Date entries throughout the payment history. XXXX are also reporting monthly repossession codes ( R ) for years, which is not a valid XXXX reporting practice and constitutes furnishing false payment history. 

This account has been disputed 45 times and was marked verified each time without any proof or investigation. This is a violation of FCRA 1681i, 1681e ( b ), 623 ( a ) ( 1 ), 623 ( a ) ( 5 ), and CFPB Regulation V. The bureaus processed these disputes without obtaining documentation, violating FCRA reinvestigation requirements. 

I am requesting CFPB require the furnisher and the bureaus to provide documentary validation of ALL data being furnished, including : contract, DOFD proof, repossession notice, auction/sale documentation, deficiency breakdown, and records used to report these dates. If such documentation can not be provided, I request immediate deletion of the account under FCRA. * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information currently appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial information, an incident that occurred entirely outside of my control. Despite my repeated attempts to correct these inaccuracies, I continue to experience the harmful consequences of reporting failures that should have been addressed promptly and thoroughly. 
The continued presence of these unauthorized and inaccurate entriesdespite clear evidence that my personal data was compromisedis unacceptable. This negligent handling of my information is damaging my creditworthiness, undermining my financial stability, and preventing me from accessing essential opportunities. I will not accept this ongoing disregard for my rights and the integrity of my credit file. 
I am demanding that you immediately conduct a full investigation and permanently delete the erroneous information from my credit report. Any delay, refusal, or failure to take corrective action will be treated as a direct violation of my consumer rights. If necessary, I will pursue all available legal remedies under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable state or federal laws to ensure full accountability for this misconduct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies in my credit file under my rights provided by FCRA 611 ( 15 U.S.C. 1681i ), FDCPA 809, 807, 808, FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), and 609 ( a ) ( 1 ). My name has been incorrectly reported across various accounts as XXXX XXXX EX and XXXX XXXX EQ, which are not my legal or current names, causing confusion with my credit history. My addresses are also listed inaccurately, including XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX TU, XXXX XXXX XXXX XXXX, XXXX, FL XXXX TU, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX EX, XXXX XXXX XXXX XXXX XXXX, FL XXXX EX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX EQ, and XXXX XXXX XXXX, XXXX XXXX FL XXXX EQ, none of which fully reflect my current or historical residences, violating my right to accurate identification and location data. Collections accounts are reported inaccurately and without proper validation : XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) shows a balance of {$1100.00} on my TransUnion report, and XXXX  ( original creditor : XXXX XXXX XXXX ) shows the same balance, {$1100.00}, on my Equifax report. I have not received proper verification for these debts as required by FDCPA 809, nor full disclosure of account details under FCRA 609 ( a ) ( 1 ). Some accounts appear obsolete or beyond the allowable reporting period under FCRA 605 ( a ) and 605 ( c ), and the date of first delinquency ( DOFD ) is either inaccurate or missing, violating FCRA 623 ( a ) ( 5 ) and 623 ( a ) ( 1 ) ( A ). These reporting practices are misleading and unfair, in violation of FDCPA 807 and 808.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Klover Holdings, Inc.
State: OH

Complaint narrative:
Klover withdrew {$150.00} from my bank but never applied it to my advance. The app still shows I owe the full {$190.00}. Support has not responded for two weeks. I am at risk of being double-charged. I have the screen shot of it going in n coming out same day and it doesnt reflect on the app..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies and improper reporting practices appearing on my credit file that violate my rights under the Fair Credit Reporting Act, including FCRA 607 ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy, FCRA 611 requiring proper investigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) which mandate furnishers to provide complete, accurate, and verifiable information. My TransUnion report includes two inaccurate addresses XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX  XXXX, FL XXXX locations I have never lived at, used, nor been associated with in any way. Their presence creates a misleading and unsafe consumer file, potentially the result of a mixed file, and violates proper identity reporting requirements. Additionally, reporting a XXXX XXXX XXXXXXXX charge-off with a {$0.00} balance, but the account is missing essential data such as the correct Date of First Delinquency ( DOFD ), full payment history, and validation details required under FCRA 623 ( a ) ( 1 ) ( A ). In its current state, the account is incomplete and unverifiable. My file also contains an inaccurate and inconsistently furnished collection account from XXXX ( Original Creditor : XXXX XXXX  ) XXXX, reporting a {$97.00} balance, which does not appear on Experian indicating inconsistent reporting and failure by the furnisher to maintain uniform accuracy across all consumer reporting agencies as required under FCRA 623 ( b ). These errors negatively affect my creditworthiness and undermine the fairness and accuracy that the FCRA is designed to protect. I am requesting the CFPBs assistance to ensure that TransUnion follows federal law, conducts an actual and thorough reinvestigation, and removes all information that can not be verified with complete 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to report a serious inaccuracy on my TransUnion credit report and to request the immediate removal of the account XXXX XXXX XXXX, which is being falsely reported as a charge-off with a balance of {$0.00}, even though no documentation, validation, or permissible basis exists to support this negative reporting. This inaccurate charge-off has never been verified through any legally required means, and its presence on my report directly violates my rights under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation whenever a consumer disputes information, as well as FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681c-2, which strictly prohibit furnishers from reporting information that is unverified, incomplete, misleading, or false. TransUnions continued reporting of this account as a charge-off, despite the absence of evidence and the fact that the account reflects a {$0.00} balance, is not only unjustified but also harmful and damaging to my creditworthiness, my access to financial opportunities, and my overall financial reputation, as it inaccurately labels me as delinquent on an account that should not be reported in this manner at all. This is an unauthorized and unvalidated negative entry that misrepresents my financial history, causes ongoing harm with every update cycle, and unfairly penalizes me through no fault of my own. Because the reporting violates federal law and lacks any basis for remaining on my credit file, I am requesting its complete removal, not correction, as removal is the only appropriate and lawful resolution for an account being falsely reported as a charge-off without evidence or verification.

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