vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Date : XX/XX/XXXX TransUnion XXXX Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DISPUTE DEMAND FOR IMMEDIATE DELETION This letter is a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

I am disputing the accuracy, completeness, and verifiability of the following accounts currently being reported on my TransUnion credit file. 

The accounts listed below contain factual inaccuracies, inconsistent reporting, and information that can not be verified as required by law. 

Account statuses conflict with reported balances Charged-off accounts are reporting ongoing balances and payment amounts Credit limits and high credit figures are inaccurate Dates opened, last activity dates, and account remarks are inconsistent Accounts reflect activity after closure or charge-off Due to these inaccuracies, these accounts are not reporting in compliance with the FCRA. 

I am demanding * * immediate deletion * * of the following accounts unless TransUnion can provide * * competent evidence * * of their accuracy, including : 1. The original signed contract or application 2. Complete payment history 3. Proof of legal authority to report 4. Verification of balances after charge-off 5. Method of Verification used in your investigation Please note : Automated or electronic verification is not acceptable.

If TransUnion can not fully verify these accounts as required under 611 ( a ) ( 1 ) ( A ), they must be deleted immediately. 

Accounts disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply will result in escalation to the CFPB, State Attorney General, and further legal remedies. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX

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 2025-12-21 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: DC

Complaint narrative:
A data breach occurred causing my personal and private information to be sold to outside organizations fraudulently and against my will. Thieves illegally obtained my data for personal gain.

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 2025-12-21 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: DC

Complaint narrative:
A data breach occurred causing my personal and private information to be sold to outside organizations fraudulently and against my will. Thieves illegally obtained my data for personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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:
This account was incorrectly linked to my credit file.

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 2025-12-21 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: MD

Complaint narrative:
I am filing this complaint because my credit report shows one or more hard inquiries that I did not authorize between XX/XX/year> and XX/XX/year>. During this time, I did not apply for credit, provide written permission, or give verbal consent to any lender, dealership, or financial institution to access my consumer report. 

Despite this, multiple companies pulled my credit and reported hard inquiries, which have negatively impacted my credit score. I have reviewed my personal records and can not identify any legitimate reason these inquiries should exist. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer report may only be obtained for a permissible purpose, such as when a consumer applies for credit or gives explicit authorization. I did not provide such authorization. Any inquiry made without my consent is impermissible and constitutes a violation of federal law. 

In addition, the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ) require accurate credit reporting and prohibit unauthorized credit activity. Reporting hard inquiries that were not authorized is inaccurate and misleading and has caused financial harm. 

I previously disputed these inquiries with the credit reporting agencies, but the inquiries remain on my credit report. I am requesting that the companies involved : 1. Provide documented proof of my authorization, or 2. Immediately remove the unauthorized hard inquiries from my credit report.

I also request written confirmation that my credit file has been corrected and that no further unauthorized access will occur.

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 2025-12-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because my credit report shows one or more hard inquiries that I did not authorize between XX/XX/year> and XX/XX/year>. During this time, I did not apply for credit, provide written permission, or give verbal consent to any lender, dealership, or financial institution to access my consumer report. 

Despite this, multiple companies pulled my credit and reported hard inquiries, which have negatively impacted my credit score. I have reviewed my personal records and can not identify any legitimate reason these inquiries should exist. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer report may only be obtained for a permissible purpose, such as when a consumer applies for credit or gives explicit authorization. I did not provide such authorization. Any inquiry made without my consent is impermissible and constitutes a violation of federal law. 

In addition, the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ) require accurate credit reporting and prohibit unauthorized credit activity. Reporting hard inquiries that were not authorized is inaccurate and misleading and has caused financial harm. 

I previously disputed these inquiries with the credit reporting agencies, but the inquiries remain on my credit report. I am requesting that the companies involved : 1. Provide documented proof of my authorization, or 2. Immediately remove the unauthorized hard inquiries from my credit report.

I also request written confirmation that my credit file has been corrected and that no further unauthorized access will occur.

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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am a victim of identity theft, I have reached out to the reporting agencies to advise them that in XXXX  I was a victim of XXXX fraud the persons responsible stole my personal information and used it to open many fraudulent accounts amongst other things and left me in great deal of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Have requested by phone past statements ( XX/XX/XXXX through XX/XX/XXXX ) for a divorce litigation. Have been told several times that they have no access to this account or have no records available.

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 2025-12-21 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: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
XXXX XXXX is A victim of identity theft said Accounts in this report must be removed according to FCRA I have filed a legal suit against each creditor i have supplied each creditor with burden of proof of identity theft of these said items to each of the creditors in which these creditors keep reporting these fraudulent/ misleading accounts i will seek monetary damages/ claims for such actions and will file a complaint for violating my consumer rights REMOVE EACH ACCOUNT ASAP

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 2025-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Nationstar Mortgage has Mr Cooper collect payments and escrow my insurance premium but on XX/XX/year> when insurance premium was due they did not pay it. Mr Cooper says they did not received the request from XXXX. XXXX says they have made multiple requests and provided documentation. Mr Cooper than put me on a run around with different multiple letters stating that the insurance didn't provide adequate coverage for various things. XXXX provided all the necessary documents. Mr Cooper says they have sent the escrow to XXXX. XXXX says they have not. It should be noted the policy number and coverage has remained the same for the last 3 years. I never had any say so when Nationstar had Mr Cooper take over for Nationstar billing my mortgage and now rocket mortgage is taking over. Each take over causes massive problems with no one willing to hear or correct the problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I was at the mall and my car was repossessed. 
I had always had my car on autopay. I called XXXX XXXX. Apparently, back in XX/XX/2022 a payment got returned. 
The company told me that they sent a letter in XX/XX/2022 and XX/XX/2022 to an address that isnt mine. The man on the phone told me it was sent to XXXX XXXX. They did not have my phone number in the file or my email. Even though this was provided on my initial loan documents. 

I have just assumed the auto payments that were set up have continued to come out but apparently they did not. 
Which I own the error of not paying attention but how I am not contacted for 3 years? 
And now they are demanding I pay {$38000.00} in 14 days and are not giving me any options to pay the loan. 
I am XXXX XXXX XXXX and now have no vehicle. 
This is a true hardship and coming up with {$38000.00} in such a short time around the holidays is very difficult. 
What recourse do I have or is there anyone who can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: IL

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

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 2025-12-21 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The above-referenced account is currently reported as a third-party collection tradeline. A review of available documentation does not demonstrate that LVNV Funding LLC has provided competent evidence establishing lawful ownership, balance accuracy, or reporting authority. As a result, the accuracy and completeness of the information being furnished can not be independently verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MO

Complaint narrative:
My account was logged into when my phone was stolen idk how they knew the chime password but they did, when i finally got a new phone i seen that i have already spent over XXXX and i didnt even have a phone or card to do this!! Chime support wont leg me talk to a manger or nothings!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I brought a car from a dealership, and the dealership did not have the title so the dealership brought the car back from me and payed off the loan with XXXX XXXX XXXX. Once the account closed on XX/XX/XXXX my credit score dropped over XXXX points because XXXX XXXX XXXX  reported I missed XXXX car payments for the months of XXXX, XXXX, and XXXX before this my account was up to date and current. I called ask why this was reported as it is false and was told the account is closed and I would have to talk to the dealership but the dealership didnt report that I missed payment XXXX XXXX XXXX  did. I have documentation and bank statements proving that the payments were made on time and I have reported this to trans union and it was denied by 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 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion failed to provide a lawful dispute result and instead returned the outcome as Unknown, stating that dispute results were not received. This does not satisfy the Fair Credit Reporting Acts requirement for a reasonable investigation and clear verification.

TransUnion did not provide any documentation showing that the furnisher verified the account, nor did they delete or correct the inaccurate information.

This unresolved reporting is causing ongoing financial harm and emotional distress, particularly as I am dealing with ongoing health issues. I am requesting that TransUnion either provide full verification with documented proof or delete the account immediately.

I am requesting CFPB assistance to ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Credit Inquiry Dispute and Demand for Immediate Removal To Whom It May Concern, I am writing to formally dispute unauthorized and unverified credit inquiries that are currently being reported on my consumer credit file. These inquiries are inaccurate, misleading, and not properly validated, and therefore violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I also wish to make clear that I have filed Chapter 7 bankruptcy, which was fully discharged. As such, I am no longer associated with or liable for any of these accounts, and any related inquiries are invalid and should be removed immediately.

I do not recall providing written, electronic, or verbal authorization for the inquiries listed below. Under 15 U.S.C. 1681b, a credit reporting agency may only report an inquiry if the creditor had a permissible purpose supported by documented consumer authorization.

I am requesting that your agencies conduct a thorough investigation and provide verifiable proof of authorization for each inquiry, including but not limited to : A copy of the original signed application or contract Evidence of electronic authorization or recorded verbal consent The exact date and purpose for which the inquiry was obtained If you are unable to produce this documentation, the inquiries must be removed immediately in accordance with 15 U.S.C. 1681i.

Please note that a creditors claim of permissible purpose alone does not meet the burden of proof required under the FCRA. Continued reporting of unverifiable inquiries constitutes willful noncompliance, exposing your agencies to civil liability under 15 U.S.C. 1681n and 1681o.

Inquiries Being Disputed : 1. XXXX XXXX - XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. XXXX XXXX XX/XX/XXXX I expect written confirmation that these inquiries have been deleted or that verified documentation has been provided within 30 days, as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-21 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: TX

Complaint narrative:
I XXXX XXXX filed a dispute with Transuion and Equifax to remove said accounts I am a victim of identity theft Transunion XXXX XXXX XXXX XXXX ( currently reporting ) EQUIFAX XXXX XXXXXXXX XXXX XXXX  ( currently reporting ) EQUIFAX XXXX XXXX ( currently reporting ) XXXX  ( XXXX XXXX XXXX ) XXXX  ( XXXX XXXX XXXX XXXX XXXX These credit bureaus have violated my consumer protection right according to FCRA REGULATIONS I have filed a civil suit against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE SAID ACCOUNTS SHOULD BE REMOVED ASAP these accounts reporting have caused emotional distress and damage if these accounts are not removed immediately I will take legal action against TRANSUION & 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 2025-12-21 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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