vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 2025-06-14 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My original dispute has not been resolved or updated from XX/XX/year>. Per my tenant screening report with Transunion they are reporting an eviction. I was never evicted. I still live at the address on the file. 

On XX/XX/year>, I also filed a dispute with XXXX as they are the company that reports this inaccurate information to Transunion. 

To each company I supplied proof that I have paid and settled this matter entirely. The reporting status of " Eviction '' is inaccurate. 

XXXX has updated their records to note that " Consent '' instead of the previous status of " Eviction. '' This is still causing me a significant issue. This should not be reporting at all at this point. This matter has been resolved. I was never evicted. I still live at the same address on the file. My lease has expired here and I can not be approved to move my family to a new home because of this inaccurate reporting. This reporting should be deleted and removed from my tenant screening report entirely. XXXX needs to also update my credit reporting with Transunion as soon as possible because my report hasn't changed. Please. This inaccurate reporting is causing my family much discomfort and inconvenience.

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 2025-06-13 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: MA

Complaint narrative:
I am formally disputing the following inaccurate and unverified information reported on my credit file. My actions are in full alignment with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data field reporting standards. 

Under federal law, you are required to ensure that all reported information is accurate, verifiable, and supported by factual documentation. Any failure to comply with these standards constitutes willful noncompliance and a direct violation of consumer protection laws. 

Accounts Being Challenged : XXXX - XXXX XXXX OF XXXX - XXXX Collections Being Challenged : XXXX - XXXX XXXX XXXXXXXX - XXXXXXXX XXXX  XXXX - XXXX These accounts include multiple errors and discrepancies. You have failed to provide documentation or verification as required by XXXX XXXX XXXX XXXX. Furthermore, I never provided written consent to report these accounts or inquiries. Under XXXX XXXX XXXX XXXX, you are only allowed to furnish consumer reports with my written instruction which does not exist in this case. 

You are reporting false information without my authorization. This is illegal and has caused real XXXX. I demand that you DELETE these accounts IMMEDIATELY. If you fail to comply, I will take legal action, including but not limited to filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office The Better Business Bureau ( BBB ) I also reserve the right to pursue monetary dXXXX through small claims court in my jurisdiction. 

Personal Information Being Challenged : Incorrect Name : XXXX XXXX XXXX Incorrect Date of Birth : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, RI XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX I do not reside at these addresses, and the XXXX has marked them as non-deliverable. This is highly concerning and raises the possibility of identity fraud. You must delete these personal identifiers from my report immediately. Continuing to associate me with these incorrect addresses is unacceptable and XXXX result in further legal consequences. 

Final Demand : I expect a written response and hard copy of your investigation results and my updated credit report within XXXX  days. You must also provide physical documentation proving the accuracy and permissible purpose of the accounts listed above. If no such documentation exists, the law requires you to DELETE the disputed entries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
Santander Consumer USA is actively obstructing the legal registration of my leased vehicle in my state of residence ( Washington ). 

This is the second CFPB complaint Ive had to file due to Santanders ongoing failure to cooperate with basic lease servicing requirements.

In my first complaint, I requested a Power of Attorney so I could register my vehicle. Santander refused to send it until I filed with the CFPB. When it finally arrived, it turned out to be a notarized generic form with no legal function for XXXX processing. XXXX XXXX XXXX XXXX XXXX confirmed this is not a valid title or PoA. 

Following their instructions, the XXXX XXXX office in XXXX ( XXXX ) faxed a formal title/authorization request directly to Santander on XX/XX/year>. I was told to check back in XXXX week I followed up on XX/XX/XXXX and was informed that Santander has still not responded. 

XXXX has now re-sent the request, but based on past behavior, I expect no response unless a complaint is filed. I have already wasted months attempting to complete what should be a routine registration transfer. My Colorado license plates are about to expire, and this is creating a real legal and logistical risk. 

I am simply trying to follow the law and register my vehicle in Washington, and Santanders consistent delays and non-responsiveness are obstructing this process. 

I request that Santander immediately respond to XXXX XXXX XXXX XXXX ( XXXX XXXX of XXXX ) with the required title documentation and/or lessor authorization so I can legally operate my vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
My Robinhood account was closed ( # XXXX ) without reason in XX/XX/year>. I have contacted them many times to get access to my funds and actually use the accounts ( savings, XXXX, brokerage ). Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 2025-06-14 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: MI

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 2025-06-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. '' Clean. Legal. Powerful.

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 2025-06-13 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 non-monetary relief
Consumer complaint received 2025-06-13 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: FL

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm filing this complaint because Equifax continues to report inaccurate and incomplete personal information on my credit file. Specifically, my current employer, XXXX XXXX, is not listed at all. This omission misrepresents my identity and consumer profile and gives a false impression of my employment history. Ive made efforts to have this corrected, yet TransUnion has failed to update the file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reportsincluding employment. Leaving out verified, current employment is a direct failure to meet that standard. Additionally, under 15 U.S.C. 1681b, there is no valid or permissible reason to exclude verified personal data that materially affects how my profile is evaluated. This inaccuracy has impacted my credibility and financial opportunities. Equifaxs continued failure to correct and report the correct employer reflects willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o. These are serious violations of federal law, and I am demanding full and immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Im reporting identity theft. 
I request immediate removal under the FCRA and FDCPA.

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 2025-06-13 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-06-13 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: AR

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Reinserted Account Without Proper Notice FCRA Violation To Whom It XXXX Concern, I am writing to formally dispute the unauthorized re-insertion of an account that was previously removed or deleted from my Equifax credit report due to prior disputes. The re-insertion of this account occurred without the legally required XXXX  written notice, as mandated by the Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ) ( B ). 



This account has been previously disputed, and I submitted requests for the method of verification, which Equifax has not provided. Despite multiple dispute attempts, I continue to receive form responses stating the account has been verified without any proper evidence or documentation showing how the verification was conducted or who verified it. 



To be clear : I never received any written notice within XXXX business days of the re-insertion of this account, as required by FCRA. 

Equifax has not fulfilled my repeated requests for the method of verification. 

This constitutes a violation of the FCRA, and possibly of your reinvestigation obligations under Section XXXX ( a ). 



I am requesting that you : XXXX. Immediately remove the reinserted account " XXXX XXXX Bank '' from my credit report. 

XXXX. Provide written documentation verifying that the re-insertion was lawful, including : The name and contact information of the furnisher who requested the re-insertion. 

The method of verification used to determine the accuracy of the account. 

XXXX. Send written confirmation of the removal or re-investigation results within XXXX days. 



If this matter is not corrected, I will have no choice but to file complaints with the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and I XXXX consider seeking legal remedies for violations of my rights under the FCRA. 



Please consider this letter as a formal request under the Fair Credit Reporting Act for complete investigation and removal of any inaccurate or unlawfully reported information. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Im reporting identity theft. 
I request immediate removal under the FCRA and FDCPA.

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 2025-06-13 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: FL

Complaint narrative:
Im reporting identity theft. 
I request immediate removal under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$490.00} Date Opened : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief