vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-07-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I discovered fasfa reporting on my credit, over years I have reached out to the school. I'm either not called back or they can't find much info. Submitted inquiries to federal website, & it hasn't progressed at all since XXXX. My XXXX profile states I was enrolled in XXXX XXXX around XXXX XXXX was not. No one had attempted to contact me to resolve the " delinquency '' from any entity over the time I've been trying to get it resolved. I don't have any deposits in my back account for any monies starting in the beginning of XXXX My credit reports states in collections for XXXXXXXX XXXX simultaneously reporting {$0.00} owed. this is all confusing and I've run out of contact options trying to resolve this, because no one can tell me much or doesn't call, or investigate.

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 2025-07-15 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: Savvy Money, Inc.
State: CA

Complaint narrative:
I discovered XXXX reporting on my credit, over years I have reached out to the school. I'm either not called back or they can't find much info. Submitted inquiries to federal website, & it hasn't progressed at all since XXXX. My XXXX  profile states I was enrolled in XXXX XXXX  around XXXX XXXXI was not. No one had attempted to contact me to resolve the " delinquency '' from any entity over the time I've been trying to get it resolved. I don't have any deposits in my back account for any monies starting in the beginning of XXXX. My credit reports states in collections for XXXX?? +, simultaneously reporting {$0.00} owed. this is all confusing and I've run out of contact options trying to resolve this, because no one can tell me much or doesn't call, or investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

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 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 2025-07-15 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: MD

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 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 2025-07-15 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: MI

Complaint narrative:
spoke to the company they confirmed this is identity theft the email and address didn't match this is also XXXX XXXX XXXX account i never received anything about this account or A BILL OR anything this was just randomly put on my credit report

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 2025-07-15 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-15 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Re : Dispute of Inaccurate Information and Request for Removal under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Dear Sir/Madam, Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am writing to formally dispute certain inaccurate, incomplete, and outdated information reflected in my credit report maintained by your agency, Equifax, and Experian. I request the immediate investigation and subsequent removal of the disputed items as mandated by the FCRA. 

Disputed Items : - Account Name : XXXX XXXX  Target and Norstrom - Account Number : * * [ Account Number ] - Nature of Dispute : Inaccurate reporting of payment history, balance, or status - Requested Action : Remove late payments or correct the inaccurate information to reflect the true status. 

XXXX XXXX  Legal Basis for Dispute XXXX XXXX XXXX  Under 15 U.S.C. 1681i, a consumer has the right to dispute information on their credit report. Upon receipt of this dispute, your agency is required to conduct a reasonable reinvestigation, typically within 30 days, and to delete or modify any information found to be inaccurate, incomplete, or unverifiable. 

Request for Removal of Late Payments : Additionally, I request the removal of any payments that are incorrectly reported or associated with the disputed accounts, as such entries are damaging my creditworthiness and are not substantiated by the relevant documentation. 

Please complete your reinvestigation promptly and notify me of the results within the statutory period. If the disputed information can not be verified, I request that it be deleted from my credit report in accordance with the FCRA. 
XXXX XXXX Notice of Rights : XXXX XXXX This letter is sent in accordance with my rights under the Fair Credit Reporting Act. I reserve all rights to pursue further legal remedies should my rights be violated. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Account Violation of Consumer Privacy Rights under 15 U.S.C. 1681 ( a ) ( 4 ) To Whom It May Concern, I am writing to formally dispute the accuracy, reporting, and handling of the collection account ( s ) listed on my credit file under the name PORTFOLIO with account numbers ending in 50841, as reported across Equifax, Experian, and TransUnion.

Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress clearly states that : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Despite this legal requirement, the credit reporting of this account appears inconsistent, potentially inaccurate, and in violation of my privacy rights as a consumer : Multiple conflicting statuses for the same account : reported as Open and Closed, Late 120 Days, Collection, and Chargeoff simultaneously. 

Duplicate account entries across different bureaus ( CAPIT vs. XXXX ), which may be misleading and excessive. 

Incomplete or unverifiable information, including discrepancies in opening dates ( e.g., XX/XX/XXXX and XX/XX/XXXX ) and no proper documentation provided for validation. 

Reporting without complete or consistent bureau details, which can indicate improper verification or privacy breach. 

Such inconsistent reporting is not only misleading, but it may also result in unauthorized dissemination of my private financial data, in clear violation of my privacy rights under 15 U.S.C. 1681 ( a ) ( 4 ).

I formally request the following : Immediate reinvestigation and verification of all information reported related to this XXXX account. 

Removal or correction of any inconsistent, unverifiable, or duplicate information. 

Assurance that my privacy rights are preserved by ceasing dissemination of inaccurate or misleading data. 

Please complete the reinvestigation within the time required by law ( typically 30 days ), and provide a written response, including your findings and the actions taken. 

Attached you will find a copy of my identification and proof of address to assist with this dispute. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Account Violation of Consumer Privacy Rights under 15 U.S.C. 1681 ( a ) ( 4 ) To Whom It May Concern, I am writing to formally dispute the accuracy, reporting, and handling of the collection account ( s ) listed on my credit file under the name PORTFOLIO with account numbers ending in 50841, as reported across Equifax, Experian, and TransUnion.

Under 15 U.S.C. 1681 ( a ) ( 4 ), Congress clearly states that : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Despite this legal requirement, the credit reporting of this account appears inconsistent, potentially inaccurate, and in violation of my privacy rights as a consumer : Multiple conflicting statuses for the same account : reported as Open and Closed, Late 120 Days, Collection, and Chargeoff simultaneously. 

Duplicate account entries across different bureaus ( CAPIT vs. XXXX ), which may be misleading and excessive. 

Incomplete or unverifiable information, including discrepancies in opening dates ( e.g., XX/XX/XXXX and XX/XX/XXXX ) and no proper documentation provided for validation. 

Reporting without complete or consistent bureau details, which can indicate improper verification or privacy breach. 

Such inconsistent reporting is not only misleading, but it may also result in unauthorized dissemination of my private financial data, in clear violation of my privacy rights under 15 U.S.C. 1681 ( a ) ( 4 ).

I formally request the following : Immediate reinvestigation and verification of all information reported related to this XXXX account. 

Removal or correction of any inconsistent, unverifiable, or duplicate information. 

Assurance that my privacy rights are preserved by ceasing dissemination of inaccurate or misleading data. 

Please complete the reinvestigation within the time required by law ( typically 30 days ), and provide a written response, including your findings and the actions taken. 

Attached you will find a copy of my identification and proof of address to assist with this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX XXXX a dealership that has since closed. Santander financed the car for over {$40000.00} using inflated values, even though XXXX. XXXX and XXXX XXXX XXXX show the vehicle was worth $ XXXX $ XXXX XXXX. 

I was told GAP was included in my monthly payments, but when I filed a claim, they denied it after Santander sent the wrong XXXX and XXXX, stalling the process. I had to request corrections 3 times. 

The car is undriveable with an {$11000.00} repair estimate, and Santander is still billing me for it, even after I surrendered the plate. My credit has already taken a hit from this. 

XXXX requesting a full deficiency write-off, lien release XXXX and correction to all credit reporting. Ive attached all proof. 


The dealership issued a XXXX temporary insurance so I could leave the lot, but never disclosed that collision coverage was required for XXXX to be valid. I secured my own insurance as instructed, but was never advised that the XXXX policy they included in my loan would be void without collision. This is a clear failure of disclosure that rendered the XXXX coverage useless from day XXXX, and I am now being penalized for their negligence. 


This entire situation feels like predatory lending and negligent misrepresentation. Ive been misled, denied assistance, and charged for a vehicle XXXX cant use. XXXX requesting immediate action and full review under CFPB guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
The branch manager keeps calling phone numbers that I did not list as references. He has even called a potential employer of mine. He told me he is allowed to XXXX relatives to reach me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : Account details : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of receiving this letter. If you fail to adequately resolve this issue within the required time frame, I will consider taking legal action and pursuing damages of {$1000.00} per violation under 15 U.S.C. 1692k. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification ) This matter is extremely time-sensitive, and I appreciate your immediate attention to this dispute. Please confirm the removal of this fraudulent account promptly.

Company response to consumer: Closed with non-monetary relief