vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: WI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am writing to formally dispute and request full verification of one or more student loan accounts being reported on my credit report. This request is made pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g Applicable state and federal consumer protection laws.

Upon reviewing my credit report dated [ insert date ], I identified the following student loan account ( s ) that I believe to be inaccurate, unverifiable, or unlawfully reported : Creditor/Loan Servicer : [ Insert lender/servicer name ] Account Number : [ Insert account number ] Date Opened : [ Insert date ] Balance/Status : [ Insert reported balance and status ] Grounds for Dispute : 1. Lack of Verification : I have not received valid documentation confirming the accuracy, legal enforceability, and ownership of this debt.

2. FERPA Compliance Concern : Under FERPA, any transmission or use of my personally identifiable education-related information ( such as XXXX  enrollment status or financial aid details ) must be legally authorized. I am requesting proof that such access and sharing were lawfully permitted and consented to. 
3. Consumer Law Violation : If this account was originated or reported without proper disclosure, consent, or authorization, it may also constitute a violation of consumer protection statutes.

Requested Actions : 1. Conduct a reinvestigation of the disputed account as required by FCRA 611 ( 15 U.S.C. 1681i ).

2. Provide me with full verification, including a signed promissory note or original loan agreement and documentation confirming legal reporting rights.

3. Confirm FERPA compliance, specifically whether the original creditor had lawful access to my educational records.

4. If verification can not be provided, delete this account from my credit report in accordance with FCRA guidelines.

5. Provide a written response and an updated credit report within the 30-day statutory timeframe. 

I have enclosed a copy of my credit report with the disputed account ( s ) highlighted, along with identification and proof of address.

Please treat this matter as urgent and in full compliance with federal law. Failure to verify the accuracy and legitimacy of this information may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal counsel.

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 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MT

Complaint narrative:
I am the legal owner of a XXXX XXXX XXXX that I financed through Santander Consumer USA, and paid off in full in XX/XX/XXXX. Although I received a physical Certificate of Title, the state of Hawaii ( XXXX XXXX ) still shows an active lien on my vehicle registration. 
When I contacted Santander for a formal lien release letter ( required by the XXXX XXXX to remove the lien from my title record ), I was told they will not provide one because the account is closed and " too much time has passed. '' However, XXXX law requires a formal release of lien to correct the title and registration. 
Dates of contact with Santander XXXX  making this request : XXXXIn person in Santander Bank, XXXX, Pennsylvania ( said they could not do anything because loans are at the corporate level ) XXXXphone call-Customer Service said they would submit a request for the document XXXX call-Customer Service said the request was rejected, made the request again with further explanation XXXX call-Customer Service said the request was rejected again, made another request for the documents XXXX call XXXXx's-Customer Service informed me they could not send the documents, said they would submit a request to see what could be done XXXX call XXXXTalked with a manager who said she would send a Paid in Full letter , recieved the letter via email but it was not signed or notarized, took it to Hawaii DMV and they would not accept it because of lack of signature/notary. 
XXXX call XXXX-Customer Service said they would submit a request for urgent Paid in Full letter with signature and notary XXXX Service said they would submit a request for Paid in Full letter with signature and notary again, hung up on XXXX 's, final phone call with XXXX ( employee XXXX ) who said she would submit a request to the Vice-President 's Office but there was nothing else she could do. 
Despite having fulfilled all my financial obligations, I am unable to clear the title to my vehicle due to Santander 's refusal to provide a basic legal document. The title remains encumbered on the state 's record, which affects resale, transfer, and insurance. I am moving off island in two days, and I can not ship the XXXX due to the inaccurate registration. 
I am asking Santander Consumer USA to issue a formal Release of Lien Letter, or a Paid in Full signed and notarized letter, so that I can correct my registration and title records. Their refusal is creating a legal and financial burden on me despite my full repayment of the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I tried to open an account with Moneylion and I was told that my last 4 SSN was not me I sent them pdf of my SS Card and they won't correct my ssn in their system

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
ACCOUNT RESURGENT/LVNV FUNDING # XXXX Im unaware of this debt and did not have the opportunity to dispute the account if you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account as soon as possible from my report or I will have to take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: DE

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-06-04 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: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2025-06-04 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:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts 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 XXXXXXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

XXXX {$610.00XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

XXXX {$610.00XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my XXXX XXXX. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ( Partial for privacy ) Dear Consumer Financial Protection Bureau , I am writing to formally dispute the reporting of a charge-off on my credit file by XXXX XXXX XXXX XXXX XXXX  The account in question was opened on XX/XX/XXXX, and was last active as recently as XX/XX/XXXX, yet is currently listed as a charge-off. 

The remarks on the account indicate : XXXX " Unpaid Balance Reported As A Loss By Credit Grantor, Account Previously In Dispute - Now Resolved - Reported By Subscriber. '' While the dispute is marked as resolved, I have concerns about the accuracy and fairness of this charge-off notation and request a thorough investigation. Specifically, I would like the CFPB to review the following points : 1. Timing of Last Activity vs. Charge-Off : The reported last activity was very recent ( XX/XX/XXXX ), and this raises questions about how and when the charge-off was determined and whether it was done in compliance with FCRA guidelines.

2. Dispute Process Transparency : The account was previously in dispute, and no adequate documentation or outcome of that resolution was provided to me, the consumer. 


3. Accuracy and Verification Request : I am requesting that the CFPB assist in compelling the furnisher ( XXXX XXXX XXXX XXXX ) to verify the full details of this account, including : How the charge-off amount was calculated. 

A copy of any charge-off notice provided to me. 

Proof that this account was handled and reported in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. 



4. Potential Misreporting of Status : Given the account activity into XXXX, I question whether the current charge-off status is correct or premature, and request that this be re-examined. 



I have attached a copy of the account summary and relevant identifying information for your review. 

Thank you for your assistance in resolving this matter. 

Sincerely, [ Your Full Name ] XXXX XXXX [ Date of Birth ] XXXX  Last XXXX of 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 2025-06-04 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 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 XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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 2025-06-04 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: NY

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 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 XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Full Circle Financial Services, LLC
State: AZ

Complaint narrative:
Summary : Fraudulent charge associated with me. Collection agency trying to collect on the fraudulent charges. Spoke with representatives from both SharkNinja and Full Circle informing of fraud. Advised to file police report.

FRAUDULENT INFORMATION : 1. THE INVOICE ADRESS BELONGS TO ME. THE SHIPPING ADDRESS IS AN ADDRESS I HAVE NEVER SEEN BEFORE AND IN A DIFFERENT CITY.

2. BOTH THE INVOICE EMAIL AND SHIPPING EMAIL ARE NOT MINE AND HAVE NEVER BEEN MINE.

3. BOTH THE INVOICE PHONE NUMBER AND THE SHIPPING PHONE NUMBER ARE NOT MINE AND HAVE NEVER BEEN MINE. 
4. THE CREDIT CARD XXXX, IS NOT MINE AND HAS NEVER BEEN MINE. 

PLEASE SEE ATTACHED DOCUMENTAION FROM FULL CIRCLE FOR MORE DETAIL.

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