vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
Summary of Complaint This is a formal complaint against XXXX or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
V. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each. 
II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year> I contacted chase about my card being lost/stolen. They started a dispute process and told me my money would be credited back into my account in 4 days. I called numerous of times one representative told me my claim was approved. I called back one said it was waiting for approval! Here it is I have a newborn baby no milk or anything and funds just depleted out my account. I just keep getting the run aroun, so may next step I will be reaching out for legal advice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: OH

Complaint narrative:
Recent Data Breach - 15 USC 1681 = Right to Privacy - Information was Exposed in Data Breach, This information has to be removed - Don't turn this dispute into a 30 day Dispute, Under Section 605b this should be removed within 4 days Previous FTC Report Filed = XXXX 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, Experian, TransUnion, Equifax, have violated my Rights. 

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, states a Consumer Reporting Agency can not furnish an Account without my Written Instructions and Consent.

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 and crimes which antedates the report by 7 years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2025-05-05 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:
Recent Data Breach - 15 USC 1681 = Right to Privacy - Information was Exposed in Data Breach, This information has to be removed - Don't turn this dispute into a 30 day Dispute, Under Section 605b this should be removed within 4 days Previous FTC Report Filed = XXXX 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, Experian, TransUnion, Equifax, have violated my Rights. 

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, states a Consumer Reporting Agency can not furnish an Account without my Written Instructions and Consent.

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 and crimes which antedates the report by 7 years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 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 2025-05-05 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX  XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX BANK XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX CARS XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my XXXX request, XXXX have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX  XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX BANK XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX CARS XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my XXXX request, XXXX have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian wrongfully reported a late payment on my XXXX XXXX account, although I received a payoff letter from the company showing that the financed amount was paid in full as of XX/XX/year>. They are also reporting the status on this account as " Reaffirmed in Bankruptcy '' instead of closed/paid in full. This account was never delinquent, never in default, and has a perfect payment history. I contacted XXXX XXXX directly to confirm that they not report my account as delinquent, at which time I was reassured by their representative that it was not delinquent and the account was in fact closed in good standing.

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 2025-05-05 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: NV

Complaint narrative:
In XX/XX/year>, a line of credit account was opened with XXXX using my personal identifying information without my consent. I did not open this account or receive any funds. After discovering the fraud, I filed an FTC Identity Theft Report and contacted XXXX directly to dispute the account. I also contacted the debt buyer who purchased the account and sent them the same documentation. Despite receiving this information, XXXX sold the account to a third party, and the tradeline remains on my credit report. I have repeatedly stated that this is not my debt, and my identity was used without authorization. This continued reporting is damaging my credit and violates the FCRA. I am requesting this account be removed from all reports and confirmed as identity 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have already attempted to resolve this issue directly with the creditor or financial institution, but I have not received a satisfactory resolution. I am now requesting assistance in addressing this matter to ensure that my rights as a consumer are protected during the XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Sunrise, FL XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Transunion P.O. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit XXXX XXXX for XXXX Dear Transunion , I am writing to formally dispute inaccurate information found on my credit report issued by your agency. After a careful review, I have identified the following item that is being reported in error : XXXX XXXX The open date and payment history ( including reported late payments ) are inconsistent and inaccurate across my credit file. This violates the Fair Credit Reporting Act 's requirement that all information must be complete and 100 % accurate. Therefore, I am requesting the immediate deletion of this account from my credit report. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), you are legally obligated to investigate and resolve disputes within XXXX days of receipt of this notice. If the information can not be verified by the data furnisher, it must be removed from my report. 
Upon completion of your reinvestigation, please provide me with an updated copy of my credit report. I also request that you notify any parties that accessed my credit report in the past six ( 6 ) months of any resulting corrections or deletions. 
Thank you for your time and prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: WA

Complaint narrative:
My car is still being paid on monthly. I am having the hardest time with XXXX to the paper title from XXXX to XXXX XXXX This has been an ongoing issues for over 12 weeks now. Florida is telling me as of last week that they mailed the paper title to XXXX on XX/XX/XXXX. XXXX is saying they do not have it. As a customer and consumer of XXXX who pays my car loan on time monthly the customer service around this issue has been lack luster. No one wants to assist me even when asking for escalation or a manager. I have called numerous times to XXXX with no avail. They keep giving me the run around. Saying it's Florida 's fault and they are still waiting for the paper title. I was assigned a supervisor of escalation a month ago and XXXX will not call me back or anything. I am on a second temporary tag from XXXX and they will not issue me a third temp. tag. my current temp tag expires XX/XX/XXXX. I do not know what else to do. I am stuck and if my tag expires I have no means to get to work or around to live the normal life I have. I need assistance asap as this is not good customer service nor good business. I am highly frustrated that I have to call and call and call so many times to get the run around. I demand resolution and resolution fast.

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 2025-05-05 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: TN

Complaint narrative:
My auto loan with XXXX XXXX is reporting inaccurate information on my credit report. I've disputed this information over 5 times with each of the XXXX credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all XXXX credit bureaus are reporting different information? The following is everything that is reporting differently across all XXXX credit bureaus : Payment history is reporting inaccurately multiple times over the full term of my vehicle loan. Date last active reporting differently across all XXXX credit bureaus. Date last reported reporting differently across all XXXX credit bureaus. Account status reporting differently across all XXXX credit bureaus. Date the account was open is crediting differently across all XXXX credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TN

Complaint narrative:
My auto loan with XXXX XXXX is reporting inaccurate information on my credit report. I've disputed this information over 5 times with each of the XXXX credit bureaus, but they keep saying the information comes back as verified. How can the information be verified if all XXXX credit bureaus are reporting different information? The following is everything that is reporting differently across all XXXX credit bureaus : Payment history is reporting inaccurately multiple times over the full term of my vehicle loan. Date last active reporting differently across all XXXX credit bureaus. Date last reported reporting differently across all XXXX credit bureaus. Account status reporting differently across all XXXX credit bureaus. Date the account was open is crediting differently across all XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX reported a {$55.00} account to Experian and Equifax as a charge-off without providing any validation or notice to me. I was never contacted before this account appeared as derogatory, and after disputing it, they failed to correct or remove it. The tradeline is inaccurate, misleading, and continues to harm my credit despite being closed. It violates the Fair Credit Reporting Act ( FCRA ), and the way it was reported does not align with Metro 2 or industry standards. This has negatively impacted my ability to secure housing and employment and has caused emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
When I checked my credit report this morning, I was surprised to see some incorrect accounts that I dont recognize. I looked into it further and even refreshed my browser, thinking it might just be a display error, but the false accounts remained. Because of this, Im asking that the documents I submitted be reviewed carefully to ensure this situation is properly resolved and doesnt happen again.

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 2025-05-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation