vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: MN

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 2025-05-27 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: MN

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 2025-05-27 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: GA

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 2025-05-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
On XX/XX/year>2025, I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, Equifax Information Services , LLC, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a collection from XXXX XXXX XXXX. This has cause me great XXXX XXXX and financial hardship. 

Proof is not a account or payment history, Someone has done fraud to my credit profile and has been paying account on my credit profile. Please do not provide proof of account or payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Chaparral Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX XXXXXXXX XXXX that I purchased and now have to voluntarily repossess due to financial and safety concerns.The car has a remaining balance of approximately {$13000.00}, but its value is far below this amount, making it financially unreasonable to continue payments. 
The interest rate on the loan is excessively high, resulting in unaffordable monthly payments. The car is high-risk for theft, and Ive had to replace the ignition multiple times, as well as the back windows, due to frequent break-ins. 
This has made it impossible to maintain insurance coverage. The vehicle has significant mechanical issues, including a malfunctioning air conditioning system and a constantly illuminated check engine light, which impacts its reliability. 
I have tried to maintain the vehicle and fulfill my financial obligations, but the combination of high costs, unsafe conditions, and constant repairs has made it unsustainable. I am seeking a fair resolution, potentially including a review of the loan terms or assistance with the XXXX XXXX process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in connection to a dispute I submitted on XX/XX/year>2025, regarding an account reported as " Indiana University. '' Pursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is legally obligated to provide a complete description of the procedures used to verify the accuracy of a disputed account within 15 days of receiving a request for the method of verification. 

On XX/XX/year>2025, Experian received my mailed request for the method of verification, as confirmed by Certified Mail Tracking # : XXXX, which shows delivery to an individual at Experian Dispute Center at XXXXXX/XX/XXXX. Despite confirmed receipt, I have not received any response or documentation regarding the method of verification within the 15-day legal timeframe.

This constitutes a clear violation of the FCRA, and therefore I am demanding the immediate deletion and blocking of the Indiana University account from my credit report. If Experian is unable to provide full and proper verification within the statutory window, they are legally required to remove the account.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and enforce compliance. The continued reporting of this unverifiable account is damaging my credit profile and violates my consumer rights.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am filing this complaint against TransUnion for their continued reporting of a fraudulent bankruptcy dated XX/XX/year>2019, on my credit report. I have never filed for bankruptcy in my life. This inaccurate information is not only damaging my credit but is also being maintained on my report despite my multiple dispute attempts. 
I submitted a formal dispute to TransUnion along with a Federal Trade Commission Identity Theft Report ( FTC Report No. XXXX ). In response, TransUnion stated that they had verified the bankruptcy through XXXX. However, I have since contacted XXXX directly and obtained a copy of my file, and it confirms that there is no record of any bankruptcy reported under my name. 
This is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), which mandates that any reinserted information must be certified as accurate by the furnisher of the data and that the consumer be notified. In this case, TransUnion has not provided any certification, nor have they conducted a reasonable reinvestigation based on original source documentation.

Additionally, under Section 605B of the FCRA, a consumer reporting agency must block fraudulent information within four ( 4 ) business days of receiving proof of identity theft. Despite fulfilling all requirements, TransUnion has not complied with this law and continues to report false and damaging 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 2025-05-27 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:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal 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 XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX DEPT OF ED 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 2025-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to dispute and demand the immediate removal of a Discover credit card account fraudulently opened in my name. The account was opened on XX/XX/year> and closed on XX/XX/year>. I did not authorize this account, nor did I open it. This is a clear case of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I am requesting an immediate block and removal of this fraudulent account from my credit file. 

The following applies : I am a victim of identity theft, and this Discover account was opened without my knowledge or consent. 
I had no involvement in the application, use, or closure of this account. 
This account is unverifiable and unauthorized, and its continued presence is causing significant harm to my credit profile. 

In accordance with my rights under federal law, I am demanding : 1. The permanent deletion of this account from all credit bureaus. 
2. A full reinvestigation and verification process within the XXXX window as required by FCRA. 
3. All supporting documentation, including but not limited to, the original signed application and any associated records. 

If this item is not removed, I am prepared to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state attorney generals office. 
Provide an Identity Theft Report under Section 609 ( XXXX ) of the FCRA. 
Pursue civil litigation for willful or negligent failure to correct inaccurate information. 

This account is a result of fraudulent activity and must be treated as such. Please send written confirmation once the item has been deleted and a corrected credit report has been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Credit Card had failed to acknowledge that I was told by an employee to contact XXXX XXXX XXXX ( XXXX ) about the charges when I first noticed the charges and was told I shouldn't have given them my card information to have on file. I told the BMO Rep I have never used this company ; her response to me was How did they have my card information. I then asked for a supervisor who called back days later. The Supervisor told me that I was given the wrong information. I gave XXXX my card information to remove from their records. At this time, I was issued a new card from BMO. Later, I also found out that XXXX  was a fraudulent company that stole my identity BMO should have a complaint on file with the first Rep I spoke to. There is a police report on file with me being a victim of identity theft. This is a clear case of fraud. I should have never been asked to contact XXXX. I am appalled that BMO has failed to acknowledge the complaint against their employee who asked me to contact XXXX  with my card information. A supervisor at BMO acknowledged that I was given incorrect information by this representative. BMO downplaying the pending FBI case attached against XXXX, saying it was before the card was issued, is absurd! I was a victim of identity theft before BMO issued the card. Check the Credit Bureaus! Anything dealing with fraud should be removed from a person 's credit report.This has been in my file for several years and needs to be deleted.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Risecredit, LLC
State: DE

Complaint narrative:
I took out a loan from Rise Credit when I was on XXXX XXXX to pay for my rent. I was making payment than soon could not make the payments the interest and payments were to high. The account was sent to collections- XXXX XXXX XXXX. Currently Rise Credit and XXXX are both reporting each month a missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: 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 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