vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I am formally lodging this complaint against TRANSUNION for its continuous failure to ensure the accuracy and integrity of the information reported on my consumer credit file, as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Despite my repeated disputes regarding the inaccurate late payments reported on the accounts listed below, TRANSUNION has failed to conduct a reasonable reinvestigation as required under FCRA 1681i ( a ) ( 1 ) ( A ). I have provided sufficient evidence, including direct correspondence from the original creditors confirming that these late payments should be removed, yet TRANSUNION continues to report these derogatory remarks inaccurately.

Moreover, the comments and notations TRANSUNION has applied to my accounts are factually inconsistent with the actual payment histories reflected in the reports. This misreporting not only violates FCRA 1681i ( a ) ( 5 ) ( A ) ( failure to promptly correct or delete inaccurate information after reinvestigation ) but also reflects a pattern of negligent and willful noncompliance under FCRA 1681n and 1681o, which imposes liability on consumer reporting agencies that fail to employ procedures ensuring maximum possible accuracy of the information reported.

In addition to the unresolved inaccuracies in payment history, my credit report continues to display unauthorized and unverifiable credit inquiries, which were neither initiated nor authorized by me. Under FCRA 1681b ( c ), TRANSUNION is required to ensure that inquiries appear on a consumer report only for permissible purposes. Failure to remove these unauthorized inquiries constitutes a clear violation of my rights under FCRA 1681b ( f ), which prohibits the use or dissemination of consumer reports for impermissible purposes. This not only affects my creditworthiness but also exposes me to unwarranted privacy intrusions.

Given the severity of these violations, I demand immediate corrective actions, including : ( 1 ) the permanent removal of all inaccurately reported late payments as previously acknowledged by the creditors, ( 2 ) deletion of all unauthorized inquiries that have no permissible purpose under the FCRA, and ( 3 ) a full compliance report detailing the steps taken by TRANSUNION to ensure adherence to federal laws moving forward.

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 2025-08-06 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-06 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-08-06 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I found inquiries on my credit report that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-08-06 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-06 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: NC

Complaint narrative:
I am a vicitm of Identity theft, Somone has used my personal information to open these accounts with out my consent. I have never gave anyone permission or authorization to open these accounts without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I am a vicitm of Identity theft, Somone has used my personal information to open these accounts with out my consent. I have never gave anyone permission or authorization to open these accounts without my consent

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have settled two debts with the collection company Credit Collection Services ( CCS ), representing XXXX XXXX XXXX. The negotiation was made, and it was agreed that payment would settle, close, and delete/remove the negative comments from my credit history. I have called multiple times and escalated this to various supervisors, who have all promised to send an email with an attached letter in XXXX  indicating what was mentioned above. I have yet to receive the email and have already asked for a traditional letter via postal mail. They have not satisfied their end of the agreement.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
After requesting settlement of a debt on XX/XX/year> I received a cryptic response; on XX/XX/year> I received filed a complaint with the XXXX; on XX/XX/year> I received a letter of settlement which I agreed to ; on XX/XX/year> I paid settlement of {$430.00} in full; on XX/XX/year> payment was accepted and cashed. Since that time I have received multiple requests for additional payment. On or about XX/XX/year> I spoke with company and was informed I would receive letter of payment of settlement in full by XX/XX/year> ; on that date I received request for additional payment. Also despite filing multiple disputes ; company has not updated by credit file to show settlement or payment of that settlement in full. Instead they continue to update my credit file stating additional monies due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX  - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Subject : Equifaxs Reporting of Inaccurate XXXX XXXX XXXX XXXX Complaint Against Equifax Failure to Delete Inaccurate, Unverified XXXX XXXX XXXX Tradelines I am filing this formal complaint against Equifax for its continued reporting of inaccurate and unverified tradelines information relating to two XXXX XXXX XXXX accounts, despite my prior disputes, timely submission of supporting documentation, and the expiration of the 30-day reinvestigation window mandated under FCRA 611 ( a ) ( 1 ) ( A ). 

I originally disputed these accounts directly with XXXX XXXX XXXX and the credit bureaus. The accounts relate to a totaled vehicle for which insurance and/or GAP coverage should have applied, yet XXXX failed to provide any documentation proving denial or exhaustion of those coverages. Despite multiple requests, XXXX has never provided : -Insurance claim denial or settlement statements -GAP denial documentation -The original signed loan contracts -Payment history that justifies the balance -Chain of title or transfer documentation Because Equifax continues to report these accounts despite lacking verification from the furnisher, this violates its duties under FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ) to maintain accurate information and to delete unverifiable data. 

Furthermore, a third-party agency, XXXX XXXX XXXX XXXX sent me a collection letter completely misidentifying the account listing XXXX XXXX XXXX not XXXX. This critical factual error from an agent acting on behalf of the original creditor reveals the unreliability of any verification tied to this tradeline. It directly undermines Equifaxs reinvestigation results and further calls into question the datas integrity. 

To compound the harm, this continued reporting has already caused a XXXX drop in my Equifax credit score, which has impacted my ability to secure credit, housing, and other essential opportunities a direct violation of rights protected under the FCRA. 

This Complaint is Not a Duplicate This is not a duplicate complaint. It includes new documentation, updated timelines, and conflicting statements from XXXX own agents, including XXXX XXXX, which has failed to respond to my dispute letter sent on XX/XX/2025, and received on XX/XX/2025. These developments have not been evaluated by Equifax and represent material changes in fact and procedure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-08-06 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: TX

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-08-06 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-08-06 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:
XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint is being filed to request pursuant to FCRA 605B ( 15 U.S.C & 1681 c-2 ) that you, The Transunion, Equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.This fraudulent, inaccurate, false information consist of personal individual account opened with National Credit Systems XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX and a credit card account opened XX/XX/XXXX with XXXX XXXX  account number XXXX with a balance of XXXX that appears related to the aforementioned fraudulent items. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts and collections appearing on my credit report were not opened, made or initiated by me. All the accounts, collections mentioned are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Complaint case # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections 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 non-monetary relief
Consumer complaint received 2025-08-06 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: IL

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
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.

Complaint narrative:
XX/XX/XXXXEmail with Sofi Account : XX/XX/XXXXRouting Number: XX/XX/XXXXAmount in question XX/XX/XXXXin Savings Account and XX/XX/XXXXin Checking Account\n\nI used to have Sofi Checking and Savings Account and one day OnXX/XX/XXXXI get an email stating my account has been restricted. I called SOFI multiple times and they mentioned over call my account is pending closure since I violated their terms. Upon constantly requesting them on call to release the money I have in SOFI so I can move to my other bank account , SOFI kept on denying saying we cannot release you my money.\nThe money is from my employer XX/XX/XXXXand it was deposited as an ACH from my employer.\nI need access to my money to pay my bills which SOFI is not giving me access to.\nSofi is stating that account is pending closure and will not close until 3 pending disputes are resolved which might take upto 3 months.\nSo i will not have access to my money till then'

Company response to consumer: Closed with explanation