vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-12 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from 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 explanation
Consumer complaint received 2025-06-12 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: OK

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-12 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: OK

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax Experian and TransUnion credit agencies will not give me my credit reports. 
They keep referring to my old outdated phone numbers that I no longer have and also they keep using archaic email address that I am not able to access. 
Also I found years ago when and if I did get them it was all in code not understandable to me. 
And they do not fully disclose all information about me like public records or alleged debts. 
Also they have been using outdated information about me Double names even triple names that I have never used. 
They also do not require a legal signature of hard pulls or verify alleged debts negative information. 
They do not remove old and outdated information from my file. 
My data was breached by experion credit but they have never ever resolved this issue or made any kind of settlement with me. 
This has been ongoing for years and I have reached out to you. And the credit reporting agencies say they have resolved the issue. But they are never addressed. Also they are not verifying that the debt on my report is true and correct. There are false items negative items that have been on my reports for many many years and never resolved. All they do is tell you they took care of it. But nothings has been done. I. Really do not understand why I have to hire a lawyer to resolve things that are not my issue and go through the expense of suing these credit reporting agencies for inaccurate information out dated information and false names and archaic addresses where I have not lived for years. My data was breached and nothing has been done by transunion to resolve fix or correct all these assumed debts hard pulls and other irrelevant information to me the consumer. I have deputed many items on all three credit reporting agencies over the years. To no resolution. Damaging my reputation and job prospects insurance rates raised and denied dwellings cars credit cards. 
Please please have them take corrective action. That is why I am going to you to resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Equifax Experian and TransUnion credit agencies will not give me my credit reports. 
They keep referring to my old outdated phone numbers that I no longer have and also they keep using archaic email address that I am not able to access. 
Also I found years ago when and if I did get them it was all in code not understandable to me. 
And they do not fully disclose all information about me like public records or alleged debts. 
Also they have been using outdated information about me Double names even triple names that I have never used. 
They also do not require a legal signature of hard pulls or verify alleged debts negative information. 
They do not remove old and outdated information from my file. 
My data was breached by experion credit but they have never ever resolved this issue or made any kind of settlement with me. 
This has been ongoing for years and I have reached out to you. And the credit reporting agencies say they have resolved the issue. But they are never addressed. Also they are not verifying that the debt on my report is true and correct. There are false items negative items that have been on my reports for many many years and never resolved. All they do is tell you they took care of it. But nothings has been done. I. Really do not understand why I have to hire a lawyer to resolve things that are not my issue and go through the expense of suing these credit reporting agencies for inaccurate information out dated information and false names and archaic addresses where I have not lived for years. My data was breached and nothing has been done by transunion to resolve fix or correct all these assumed debts hard pulls and other irrelevant information to me the consumer. I have deputed many items on all three credit reporting agencies over the years. To no resolution. Damaging my reputation and job prospects insurance rates raised and denied dwellings cars credit cards. 
Please please have them take corrective action. That is why I am going to you to resolve this for me.

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 2025-06-12 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: CA

Complaint narrative:
I am submitting a formal complaint against Santander Consumer USA regarding their failure to release the vehicle title for a XXXX XXXX XXXX XXXX repossession, contract breach, and unresolved damage to the vehicle. I submitted a detailed legal demand to Santander outlining the following concerns : {$7000.00} Down Payment and potential misapplication of secured interest under UCC 9-203 Failure to disclose securitization or post-contract monetization of the retail installment agreement ( potential TILA/Reg Z violation ) Repossession and mishandling of collateral, resulting in the return of the vehicle in a damaged and non-operational condition ( dead battery, mechanical failure, and persistent check engine light ) Failure to release the title following full possession of vehicle and commercial breach No response to my written demand letter after more than 10 days I cited multiple violations of the UCC, TILA, California consumer fraud statutes XXXX and improper collateral handling. Santander has remained silent and has not provided the vehicle title or offered any resolution. I am requesting that Santander : Release the vehicle title immediately, or Respond in writing with a lawful explanation and corrective action This issue is time-sensitive and continues to harm my ability to resolve the matter or dispose of the vehicle. I have attached a copy of my legal demand letter to support this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Im writing to address a serious issue with a tradeline on my credit report that is not being reported with the maximum possible accuracy, as required by law. The information in question is incomplete, misleading, and fails to meet the standards laid out under the Fair Credit Reporting Act ( FCRA ).

Let me be direct : you are in violation of federal law by continuing to report this inaccurate tradeline. The FCRA mandates that any information furnished to credit reporting agencies must be completely accurate and up to date. Close enough or partially correct does not meet that standard. If the data cant be verified as fully accurate, it should not be reported at all and in this case, it absolutely should not remain on my 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX, FL XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address. 
A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: VA

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 2025-06-12 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: VA

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 2025-06-12 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: CT

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Asked to verify the debt and details of the debt. They refuse to provide the information, but since the beginning of the month they call once a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice.

Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
This is my last and final letter to your non-compliant company before I proceed with legal action against all parties involved. Please be advised : I have every intention of following through to protect my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have sent your company multiple lettersspecifically in XX/XX/XXXXXXXX  and XXXX XXXXrequesting that you investigate a list of inquiries appearing on my credit report, which I believe were made without my consent or authorization. Your continued failure to respond or take action is a direct violation of the FCRA and will not be tolerated. According to the FCRA, a company must have a permissible purpose to access a consumer 's credit file. Permissible purposes include a credit application initiated by the consumer, employment screening ( with written authorization ), insurance underwriting, or a legitimate business transaction initiated by the consumer. None of these conditions apply in my case. I did not apply for credit, seek employment, request insurance, or initiate any form of business with the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive made multiple attempts to contact these companies directly using the contact information listed on my credit reports. Many of the phone numbers were incorrect or disconnected, and those I was able to reach had no record of me in their systems. If these entities can not identify me as a consumer, they had no lawful reason to access my credit file. Youve had more than enough time to investigate these matters. I am giving your company 15 days from receipt of this complaint to provide results of your investigation. If I do not receive a proper response, I will move forward with filing suit and also submit formal complaints to the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX ( XXXX  ). Attached are copies of the letters previously sent for your reference. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission. Both letters that were sent in XX/XX/XXXX, and XX/XX/XXXXXXXX  are attached for your reference.

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