vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-07 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I requested information and documentation from Credit Collections and the company has failed to comply.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: OH

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. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate 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 2025-08-07 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: NV

Complaint narrative:
Several fraudulent accounts and inquiries were added to my credit file without my knowledge or consent. I submitted identity theft dispute letters under 15 USC 1681c-2 to all three credit bureaus with supporting documents, including an FTC Identity Theft Report, proof of ID, and address. 

Despite this, the accounts were not removed within the required timeframe. There are also numerous inaccuracies including inconsistent balances, dates, and statuses across all three bureaus. These errors remain uncorrected, and no valid explanation has been provided. This violates the Fair Credit Reporting Act and has caused ongoing harm. 

PLEASE SEE ATTACHMENTS BELOW!

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Several fraudulent accounts and inquiries were added to my credit file without my knowledge or consent. I submitted identity theft dispute letters under 15 USC 1681c-2 to all three credit bureaus with supporting documents, including an FTC Identity Theft Report, proof of ID, and address. 

Despite this, the accounts were not removed within the required timeframe. There are also numerous inaccuracies including inconsistent balances, dates, and statuses across all three bureaus. These errors remain uncorrected, and no valid explanation has been provided. This violates the Fair Credit Reporting Act and has caused ongoing harm. 

PLEASE SEE ATTACHMENTS BELOW!

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 2025-08-07 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion Consumer Relations XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in My Credit Report File Number : XXXX Dear TransUnion Dispute Department , I am writing to formally dispute certain inaccurate and/or unverifiable information contained in my credit report dated XX/XX/XXXX. I request that the following corrections be made to ensure the accuracy and completeness of my file.

1. Name and Address Correction Please update my personal information to reflect the accurate and current information below : Name : XXXX XXXX ( only ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any other versions of my name or outdated/incorrect addresses, including : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are no longer valid or relevant.

2. Unauthorized XXXX Inquiries The only valid hard inquiry on my report is from XXXX XXXX on XX/XX/XXXX. I am disputing all other hard inquiries listed on my report as inaccurate or unauthorized. These inquiries include but are not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please initiate an investigation into these inquiries and provide verification of my authorization. If verification can not be provided, I request immediate removal of these inquiries from my credit file.

3. Dispute of All Negative Items Please investigate and remove any and all negative accounts or derogatory remarks currently listed on my report. I request verification of each negative items accuracy and my association with the account. If these accounts can not be verified in compliance with the FCRA, they must be removed immediately. 

I have enclosed a copy of my credit report and government-issued ID to assist with the investigation. 

Please provide a written confirmation once the corrections have been made. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am submitting a follow up complaint serves as a formal dispute regarding the following items which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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: NY

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : XXXX XXXX XXXX XXXX  Date : XX/XX/2025 Subject : Final Notice Unresolved Dispute and Ongoing Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against all three major credit reporting agencies Equifax, Experian, and TransUnion due to their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the handling of multiple disputes I submitted about inaccurate and unverifiable information in my credit file. 

Despite my most recent dispute and prior notices, the bureaus have not provided a legally sufficient response or taken corrective action. Instead, I received generic verified responses, without being given the legally required method of verification, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 7 ). Furthermore, the continued inaccurate reporting violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

Unresolved Disputed Account : XXXX XXXX ( Collection ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus : Each bureau has failed to : Provide the specific method and procedures used to verify the disputed information. 

Disclose the full name, title, and contact information of the furnisher of the disputed item.

Supply any supporting documentation relied upon during the verification process.

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 2025-08-07 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: NY

Complaint narrative:
Consumer Complaint Against Experian, Equifax, and TransUnion Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : XXXX XXXX XXXX XXXX  Date : XX/XX/2025 Subject : Final Notice Unresolved Dispute and Ongoing Violations of the Fair Credit Reporting Act ( FCRA ) I am filing this complaint against all three major credit reporting agencies Equifax, Experian, and TransUnion due to their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) regarding the handling of multiple disputes I submitted about inaccurate and unverifiable information in my credit file. 

Despite my most recent dispute and prior notices, the bureaus have not provided a legally sufficient response or taken corrective action. Instead, I received generic verified responses, without being given the legally required method of verification, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 7 ). Furthermore, the continued inaccurate reporting violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

Unresolved Disputed Account : XXXX XXXX ( Collection ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus : Each bureau has failed to : Provide the specific method and procedures used to verify the disputed information. 

Disclose the full name, title, and contact information of the furnisher of the disputed item.

Supply any supporting documentation relied upon during the verification process.

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 2025-08-07 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:
This is a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding numerous inaccuracies and violations found on my credit report that are seriously affecting my financial reputation and opportunities I demand a full reinvestigation under the FCRA as these errors are unjustified and were never verified or validated properly despite my previous efforts I am exercising my rights under the FCRA to dispute these items and holding all reporting parties accountable including the credit bureaus and furnishers I am requesting immediate deletion and correction where applicable. 
INQUIRY : XXXX Dated XX/XX/year> Issue : This hard inquiry was unauthorized and conducted without my consent Law : FCRA 604 ( a ) ( 3 ) requires that permissible purpose must exist prior to obtaining a consumers credit report Story : I did not authorize XXXX  or XXXX or any affiliate to access my credit file on this date or in connection to any application. I am deeply concerned about the privacy and security of my personal data Instruction : Please delete this inquiry from my credit report immediately. Under FCRA 611 and 604, you must provide proof of permissible purpose. If such documentation can not be produced, the inquiry must be removed without delay I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report continues to reflect inaccurate and unverifiable information despite my rights under federal law These errors are damaging my credit and preventing me from securing housing and financial opportunities I am requesting an immediate and complete investigation by the CFPB and demand that all unverifiable inaccurate and unauthorized items listed above be removed from my credit report promptly under my rights in 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 2025-08-07 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: TX

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX & XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I sent in a check XXXX XXXX paying off my loan. The check was for {$10000.00}. The check cleared XXXX XXXX. My account is still showing I owe {$7000.00} and that my most recent payment is late. I called XXXX costumer service and they said they havent recieved a check. The check has been cleared over a month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In reviewing my credit reports, I discovered multiple accounts and multiple hard inquiries that was fraudulently opened in my name. These accounts include XXXX XXXX XXXX Account : XXXX XX/XX/XXXX {$230.00} Loan : XXXX XXXX Account : XX/XX/XXXX {$37000.00} XXXX XXXX XXXX Account : XX/XX/XXXX. XXXX Charge Off {$13000.00} XXXX XXXX XXXX Account : XX/XX/XXXX {$1900.00} XXXX XXXX XXXX Account : XX/XX/XXXX {$130.00} XXXX XXXX Account : XX/XX/XXXX Closed {$5600.00} Collections from : XXXX. XXXX XXXX  XXXX Account : XXXX XX/XX/XXXX {$3000.00} Closed XXXX  XXXX XXXX XXXX Account : XXXX XX/XX/XXXX {$290.00} Closed Inquries from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus XXXX, XXXX, and Experian along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

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 2025-08-07 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: NV

Complaint narrative:
Equifax is the only credit bureau reporting this inaccurate information that is violating my consumer rights/laws .. the account they are reporting was not opened by me

Company response to consumer: Closed with explanation