vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 explanation
Consumer complaint received 2025-08-24 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX opened XX/XX/XXXX, XXXX XXXX opened XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX case number as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
It's XXXXXXXX XXXX. or XXXX. in XXXX  I've gotten XXXX calls and XXXX XXXX. today I don't know how many calls I've gotten yesterday and the day before and the day before the day before and it's the same computerized voice this is XXXX and this is XXXX whatever XXXX  XXXX names they got and it's it's varies we got to come soon and loans for you we got subsidies before the next office takes into place we got things that you can lose out if you don't do it now I've gotten called XXXX times in the last XXXX minutes from the same company I took a screenshot of it but they won't stop I blocked all the call from XXXX XXXX XXXX phone I'm afraid to pick up the phone for the important things I got to do like my doctors and it's a legitimately I threw my phone XXXX or XXXX times because I'm just so aggravated with it you guys got to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AL

Complaint narrative:
Everything on this credit file is a violation explained in the attached letter

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 2025-08-24 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: AL

Complaint narrative:
Everything on this credit file is a violation explained in the attached letter

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 2025-08-24 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: Radius Global Solutions LLC
State: OH

Complaint narrative:
I am a victim of trafficking. The information listed below which appears on my credit report is the result of that trafficking. XXXX XXXX. 
Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act 26. 

I am a victim of trafficking. The information listed below which appears on my credit report is the result of that trafficking. XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act 26.

I am a XXXX XXXX XXXX. The information listed below which appears on my credit report is the result of that trafficking. RADIUS GLOBAL SOLUTION Account Number : XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act 26.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint against TransUnion LLC regarding inaccurate and misleading reporting of my account with [ Creditor Name : XXXX XXXX XXXX / Account Number XXXX XXXX XXXX XXXX XXXX  ]. 

Facts of the Case On my official TransUnion credit report dated XX/XX/year>, this account is reported as " Charged-off ''. 

However, when I log in to my TransUnion online portal, the same account is displayed as Collection/Chargeoff, which implies that it is still an open derogatory collection account with a balance owed. I have attached a screenshot of how it appears on TransUnions online login. 

This is false and misleading. The account has a {$0.00} balance and is closed/paid/transferred, as shown in TransUnions own disclosure report XXXX yet the online portal categorizes it in a way that makes it appear to be an active collection. 

Why This Violates the Law Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies must assure maximum possible accuracy of the information they report. By displaying contradictory statuses ( disclosure vs. online portal ), TransUnion is failing to ensure accuracy.

Under FCRA 1681i, when a consumer disputes inaccurate information, the agency must conduct a reasonable reinvestigation. The FTCs official commentary on accuracy explains that reporting agencies can not present information in a misleading or deceptive manner, even if technically correct. By publishing the same account as both Charged-off and Collection/Chargeoff, TransUnion is publishing misleading information in violation of this standard.

This contradictory reporting harms my creditworthiness, causes confusion, and directly impacts my ability to obtain credit.

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 2025-08-24 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
During the Covid times, this financial company ( Santander Consumer USA XXXX offered a supposed to be " relief '' because of the difficult times experienced globally with the pandemic and virtually all economic activities coming to a halt. The relief consisted in allowing the customer to skip XXXX payments and having the chance to catch up later when things got better ; therefore, I took the relief, from XX/XX/XXXX to XX/XX/XXXX, and after 4 months when economic activity started to recover I restarted making the monthly payments. What I did not know is that for each XXXX of those missed payments they were adding the missed payment plus XXXX extra payments for having taken what they called a " relief ''. Earlier this year, someone rear ended my car and when the insurance declared the car a total loss and issued the payment it wasn't enough to cover the balance. Then, the GAP insurance said they were not going to cover the balance because the additional amount was due to me not paying my loan on time. Therefore I would like to submit a complaint against this financial company as it mislead the common citizen in times where everything was so bad, people XXXX XXXX XXXX XXXX, the country/world being locked down and offering something called " relief '' when they were purposedly filling their pockets, in a grotesque way, from a really bad situation. I thought they were giving you a chance to recover and get up to date before the loan maturity date ( XX/XX/XXXX ). I told them that I would've understood if by the maturity date I'd still have a remaining balance then they would take action of adding any interest they wished to add but what I consider to be unfair is to add interests over interests, from a bad global situation and what I would consider a force majeure, without giving you the chance to get up to date before the end of the maturity date. I'd like to know if they could reconsider the option of just me having to pay what was the original amount principal plus original interest ( XXXX payments of XXXX each ) before the maturity date and not having to pay all those extra payments as I will not go beyond planned maturity date.Thanks a lot in advance for all your help. Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: MN

Complaint narrative:
The following hard inquiry currently listed and showing on my Experian credit report is a fraudulent and unauthorized hard inquiry : XXXX XXXX XXXX XXXX XXXX, XX/XX/year>. The hard inquiry is fraudulent and not mine.

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 2025-08-24 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: 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.

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 2025-08-24 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: NJ

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/scrub>/2025 XXXX XXXX XXXX2025 XXXX XXXX XXXX2025 XXXX XXXX XXXX2025 XXXXXXXX XXXX2025 XXXX XXXX2025 XXXX XXXXXXXX XXXX/2025XX/XX/year>

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 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: LEXISNEXIS
State: TX

Complaint narrative:
I applied to lease computer XXXX  states this is one of the companies reporting negative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: UT

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights 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 explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
This company allowed false reporting after I keep supplying court documents showing that this account is fraudulent and you keep allowing it to remain on my credit and failing to investigate properly this needs to be removed from my credit immediately XXXX XXXX  is showing collection

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 2025-08-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased a refrigerator from XXXX. The first few refrigerators did not fit. Three refrigerators had to be returned. I did subsequently find one that did fit in the cut out for the refrigerator in my kitchen. Between XXXX and Synchrony Bank, they continued to charge me for three refrigerators, although only kept one. Every month, when we spoke over the phone when they would call, I would repeat the story to them to try and get this fixed. When I initially made this purchase, it was with no interest if it was paid off with a XXXX  number of months. Due to their error, it was not paid off within that timeframe because of the issues they created with my account. This took place over the course of three years. Each month that they would call I repeated the story over and over and over and over again. I even emailed the corporate office, even that didnt help. Synchrony Bank even advised me, in writing not to make payments while the investigation was going on. Synchrony Bank also advised me that it would not be reported to the credit bureau as a negative item or late payment. We finally ended up entering into an agreement to settle account and pay it off for the one refrigerator. However, they did report it to the credit bureau as XXXX and XXXX  days late, and now theyre reporting it a charge off on my credit report which is dropping my score. My credit has always been excellent. I even tried disputing it with the credit bureau, XXXX, but that dispute was denied.

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 2025-08-24 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: OH

Complaint narrative:
Equifax is the only credit bureaus reporting two account they know to be inaccurate. There is no way they verified this information. I will give you an opportunity to delete the accounts before I sue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am disputing a collection account being reported by Online Information Services in the amount of {$340.00}. This account is appearing on my credit report without proper notice, consent, or validation. 

I mailed dispute and validation requests in writing, pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ), which requires a debt collector to cease all collection activity until they provide proper validation of the alleged debt. However, all my letters were returned as undeliverable, which makes it impossible for me to exercise my legal rights under federal law. Despite the fact that I can not reach the company and they have not provided any validation, this debt is still being reported to the credit bureaus. 

This reporting also violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires consumer reporting agencies and furnishers of information to ensure the accuracy and integrity of information placed on a consumers file. Reporting unverifiable or inaccurate debt is a direct violation of this law. 

In addition, under FCRA 15 U.S.C. 1681b ( a ), a company must have a permissible purpose to access, use, or share my personal information. I have never authorized Online Information Services to access or furnish my personal identifying information to the credit bureaus. I demand proof of any agreement, contract, or signed documentation that shows I consented to my personal information being shared with your company. Without my express consent, your possession and use of my personal data is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
b'every time io send a dispute letter it come back verified'

Company response to consumer: Closed with explanation