vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-05-26 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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 not my loan, It is showing up on my credit. I tried to call the lender but, was unable to get through to someone that could fix the issue. I was told to dispute the item at the three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
This is not my loan, It is showing up on my credit. I tried to call the lender but, was unable to get through to someone that could fix the issue. I was told to dispute the item at the three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
This is not my loan, It is showing up on my credit. I tried to call the lender but, was unable to get through to someone that could fix the issue. I was told to dispute the item at the three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 Address XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries AXXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: AL

Complaint narrative:
My credit report has unauthorized accounts resulting from a data breach. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 Address XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries AXXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAMEXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBERXXXX  * * ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBERXXXX * * ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX  * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX * * XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX & XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX 'S XXXX  ACCOUNT NUMBERXXXX * * * * has violated my rights. On a list of inquiries : XXXX XXXX XXXXXXXX Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
Im reaching out because I just discovered a credit inquiry from your company on my reportsomething I never authorized. At no point did I give permission for this inquiry, and I take this kind of overstep very seriously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
From XX/XX/2024 to the XX/XX/XXXX of XXXX have received a huge number of hard inquiries on my credit report XXXX and it looks a suspicious to me so this is why I am complaining about this would like it like to have it removed somehow someway or dispute it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Complaint Title : Inaccurate Reporting of Closed Auto Loan by XXXX XXXX XXXX FCRA, TILA, and GLBA Violations Description : I am submitting this complaint regarding the incorrect and inconsistent reporting of a closed auto loan account with XXXX XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), originally opened on XX/XX/XXXX and closed in XX/XX/XXXX. This account is fully paid and should not be reported negatively. However, it continues to display damaging information in violation of federal laws. 

Facts and Discrepancies Identified : The account was closed with {$0.00} balance as of XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX  ). 

The most recent activity and payment date is XX/XX/XXXX, but Equifax is still reporting and updating this as of XX/XX/XXXX, which is not only inaccurate but misleading since the account has been closed for almost 4 years. 

A 30-day late payment is reflected for XX/XX/XXXX, even though all other months are marked as OK. This appears to be an error as the account was in good standing and later paid in full. 

All three bureaus ( Equifax, XXXX XXXX  ) are reporting this account as Negative, despite it being closed and fully paid with no outstanding debt. 

Reporting a negative closed account in XXXX that has had no activity since XXXX severely distorts my credit profile and does not reflect the real payment history. 

Violations Identified : Fair Credit Reporting Act ( FCRA ) : Section 1681e ( b ) : Failing to ensure maximum accuracy of the data, particularly by continuing to report a paid, closed account as negative. 

Section 1681s-2 ( b ) : Furnisher has not corrected or updated inaccurate information after closure and full payment.

Section 1681c : Reporting outdated negative information beyond the reasonable period of activity and payment relevance.

Truth in Lending Act ( TILA ) : The continued negative reporting and outdated updates after account closure misrepresent the terms of the agreement and fail to provide transparent reporting.

Gramm-Leach-Bliley Act ( GLBA ) : The persistence of outdated and false reporting across multiple credit bureaus indicates a breakdown in data security and responsible handling of consumer financial information.

Impact on Me as a Consumer : This misinformation is negatively affecting my credit score and ability to access business capital, personal credit lines, and other financial opportunities. This reporting makes me appear as a higher risk than I actually am, despite fulfilling my contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NJ

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section XXXX of the FCRA ( XXXX U.S.C. 
XXXX ( a ) ), I demand blocking and deletion within XXXX  days : 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 NJ XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} CRBUPSTART - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX CARD - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7500.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} Inquiries BANKNC 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 non-monetary relief
Consumer complaint received 2025-05-26 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 non-monetary relief
Consumer complaint received 2025-05-26 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint against Sallie Mae and the three major credit bureaus ( XXXX XXXX XXXX XXXX ) for materially misleading and inconsistent credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

Sallie Mae charged off a joint student loan account and sold it to a third-party debt buyer. However, all three credit bureaus continue to report this account with contradictory and inaccurate language. Most importantly, I have not paid this account, yet Sallie Mae is reporting it as Paid in Full on at least one bureau. 

I am currently being sued in XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX by a debt buyer claiming to now own this account. That makes the Paid in Full reporting both factually false and legally damaging. 

The account is listed differently on each bureau : XXXX XXXX  Pay Status : >Sold ; was Charged-off< Remarks : Purchased by another lender ; Paid in Full / Was a Charge Off XXXX  : Status : Closed. {$5200.00} written off. 

Remarks : Purchased by another lender XXXX  : Status : Charge-Off Activity Designator : Transferred or Sold These inconsistencies create confusion and mislead any party who reviews my report. Reporting an account as both charged off and paid in full is a contradiction that violates FCRA 1681e ( b ) s requirement for accurate, clear, and non-misleading data. It also undermines my legal rights in ongoing litigation regarding the same debt. 

I previously submitted a written dispute to all three credit bureaus under FCRA 611, and they verified this information without correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MI

Complaint narrative:
Your Name ] DivionTheus [ Your Address ] XXXX XXXX XXXX [ City, XXXX, ZIP Code ] XXXX, XXXX [ Email Address ] XXXX XXXX XXXX XXXX XXXX XXXX Phone Number ] XXXX [ Date ] XXXX XXXX [ Credit Bureau Name ] Transunion [ Credit Bureau Address ] TransUnion Consumer Solutions XXXX XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX. 
AccouXXXX XXXX XXXXXXXX XXXX XXXXe : Request for Investigation and Deletion of Inaccurate Charge-Off Account Un

der 15 U.S.C. 1681e ( b ) To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain and report information with the maximum possible accuracy. Upon reviewing my credit report, I have identified a charge-off accounts
reported by XXXX XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I believe is inaccurate and/or unverifiable. This account does not reflect accurate reporting due to the following reasons : The balance may be inaccurate or include fees not legally owed. 


The dates of first delinquency and charge-off may be incorrectly reported.

The reporting party may lack proper documentation or legal standing to furnish this data. 


I am requesting that you immediately conduct a reasonable investigation of this item in compliance with FCRA 15 U.S.C. 1681i ( a ), and remove or correct the account if you can not fully verify its accuracy. If your investigation can not verify the complete accuracy and legitimacy of this information, it must be deleted from my credit file. 
Please provide written confirmation of the results of your investigation and an updated copy of my credit report once your review is complete. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-05-26 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: NV

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: NE

Complaint narrative:
The company Kikoff told me that they approved me for a cr3dit rebuilding credit card in XXXX. I was suppose to electronically process payments of XXXX per month until the balanced reached XXXX dollars. When it reached XXXX dollars I realized that this card was not doing what it said it would and I stopped allowing it to take money out of my account. I contacted the company for the return of the money and they said that it was not eligible to be returned because I defaulted on my payments. I asked for it to be removed from my credit report since it negatively reflects on my credit report and they said to dispute it and it will drop off. I have disputed twice and they refuse to delete from my credit report. 1. It is not a debt, it was my money that I paid. 2. They agreed to delete but then respond to the dispute negatively affecting my credit 3. Negatively reflects as a credit card when it was advertised as a credit / savings account. I want this removed as it is dragging down my score and preventing me from buying a home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation