vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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 dispute inaccurate late payment information being reported on my credit file under the Department of Education ( XXXX ) accounts listed below. These accounts have been incorrectly marked as delinquent or late despite being in good standing or under approved deferment or forbearance at the time. 

Accounts in Question : Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$3800.00} Account name : DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2300.00} Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$4700.00} Account name : DEPTEDXXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2000.00} Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2600.00} Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$2500.00} Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1900.00} Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$5000.00} Account name : DEPTEDXXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} Account name : DEPTEDXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$940.00}

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 2025-10-17 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-17 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: Kikoff Inc.
State: WI

Complaint narrative:
This account is cured with a {$0.00} balance and closed. Please remove reporting of closed account from reports. This account activity is demolishing my credit report existence. A proper suit will be filed to cancel the company from such reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Self Financial Inc.
State: WI

Complaint narrative:
This account is cured with a {$0.00} balance and closed. Please remove reporting of closed account from reports. This account activity is demolishing my credit report existence. A proper suit will be filed to cancel the company from such reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: NC

Complaint narrative:
Hello, I was notified by my Bank XXXX XXXX that on XX/XX/year> there were XXXX credit inquires by XXXX and XXXX XXXX. I did not authorize these credit inquiries. I was able to resolve these fraudulent interactions and finally place a freeze on my credit reports soon after, however between my last credit report and the freezes going into effect a XXXX XXXX of XXXX was opened without my consent ( Account XXXX XXXXXXXX XXXX I believe this was tied to identity theft as it is associated with an address XXXXXXXX XXXX XXXX XXXX XXXX NC  XXXX which I have never lived at before. 

I reached out to Experian, the only credit bureau which seems to be reporting this account, and they were able to delete a fraudulent phone number ( XXXX ) and another fraudulent residence ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX ), but would not let me dispute the XXXX  address as it is tied to the XXXX  account. They reached out to XXXX and XXXX responded that the account is reporting accurately. ( Report XXXX, investigation ID XXXX ). 

I have never been to XXXX XXXX nor XXXX NC, which are the XXXX cities tied to this account. 
This account went XXXX over its credit limit immediately after opening. 
This account was opened despite my credit freezes were in progress following XXXX separate fraudulent account opening attempts at other banks. XXXX and XXXX were able to identify the applications as unauthorized before letting the account even be opened, I would expect better from XXXX. This rings all the alarm bells of fraud yet XXXX claims that this is " accurate ''. 

I am still waiting to hear back from the FCC ( reference number XXXX ), worried the may have been impacted by the government shutdown. In the meantime I would like the CFPB 's assistance in getting this account closed, and clarifying with the Credit Bureaus that this account is in fact not authorized. This account has rapidly damaged my XXXX XXXX and this process has brought me a lot of grief. Please assist promptly.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because TransUnion failed to properly investigate my credit dispute regarding an account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed this account because the information being reported is inaccurate and incomplete. However, TransUnion responded with a generic verified as accurate outcome without providing any explanation, documentation, or details of how the furnisher verified the account. 
Details of the dispute : I submitted a dispute to TransUnion regarding the XXXX XXXX XXXX account. TransUnion closed the dispute stating that the furnisher verified as accurate. I was not provided with any method of verification, documentation from the original creditor, or evidence to support the validity of the account. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 611, which requires the credit reporting agency to conduct a reasonable reinvestigation and provide the consumer with the method of verification upon request. 
Furthermore, XXXX has not provided any original signed contract, itemized statement, or legal assignment to show that this debt is valid and belongs to me. The way TransUnion handled this dispute demonstrates a lack of reasonable investigation it appears they relied solely on automated e-OSCAR responses, which is not compliant with FCRA standards. 

Desired resolution : I am requesting that the CFPB require TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : Provide a full method of verification explaining how this account was verified, including the name of the person contacted, the date of verification, and supporting documentation. 
Remove the account from my credit report if the furnisher can not provide verifiable documentation. 
Ensure TransUnion complies with FCRA XXXX in future disputes by conducting a reasonable reinvestigation.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-10-17 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: TX

Complaint narrative:
I have been checking my credit reports again and again, and it pains me to see that the inaccurate accounts are still there. I am begging for a careful review of the documents I attached so I can finally stop carrying this burden.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NC

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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-10-17 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my credit score. I previously contacted your agency regarding this issue and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries remain. 

This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns about identity theft and reflects a disregard for my rights under the Fair Credit Reporting Act. This unresolved issue is causing ongoing emotional distress and financial harm.

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 2025-10-17 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: TN

Complaint narrative:
Inaccurate and inconsistent credit reporting across multiple credit bureaus violation of FCRA 1681e ( b ) ( maximum possible accuracy ) and 611 [ 15 U.S.C. 1681i ] ( failure to reinvestigate disputed information ). 

The XXXX XXXX tradeline appears with the following contradictory data points across credit reports : Account Status : reported as both Open and Derogatory. 
XXXX Date Opened : reported as XX/XX/year> and XX/XX/year>. 
XXXX Terms ( No. of Months ) : reported as XXXX  months and XXXX  months. 
XXXX XXXX XXXX : marked Late XXXX days despite inconsistent activity data. 
XXXX XXXXYear Payment History : XXXX, which does not align with the other reported timeframes. 
XXXX Last Reported Date : listed as XX/XX/year> and XX/XX/year>. 
XXXX Date Last Active : reported inconsistently as XX/XX/year> and XX/XX/year>. 
XXXX These internal contradictions render the tradeline inaccurate and misleading, violating the FCRAs requirement for maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TN

Complaint narrative:
Inaccurate and inconsistent credit reporting across multiple credit bureaus violation of FCRA 1681e ( b ) ( maximum possible accuracy ) and 611 [ 15 U.S.C. 1681i ] ( failure to reinvestigate disputed information ). 

The XXXX XXXX tradeline appears with the following contradictory data points across credit reports : Account Status : reported as both Open and Derogatory. 
XXXX Date Opened : reported as XX/XX/year> and XX/XX/year>. 
XXXX Terms ( No. of Months ) : reported as XXXX  months and XXXX  months. 
XXXX XXXX XXXX : marked Late XXXX days despite inconsistent activity data. 
XXXX XXXXYear Payment History : XXXX, which does not align with the other reported timeframes. 
XXXX Last Reported Date : listed as XX/XX/year> and XX/XX/year>. 
XXXX Date Last Active : reported inconsistently as XX/XX/year> and XX/XX/year>. 
XXXX These internal contradictions render the tradeline inaccurate and misleading, violating the FCRAs requirement for maximum possible accuracy.

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 2025-10-17 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: NC

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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-10-17 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: CA

Complaint narrative:
Good day, I am writing to formally dispute XXXX inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is 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 2025-10-17 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: CA

Complaint narrative:
Good day, I am writing to formally dispute XXXX inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse. 

Please confirm receipt of this letter and inform me once the disputed information is deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX Unsecured loan- opened on XX/XX/XXXXXXXX XXXX XXXX  Unsecured loan- opened on XX/XX/XXXX XXXX XXXX XXXXXXXX - Account number : XXXX Credit Card- opened on XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX Credit Card- opened on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation