vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
Subject : Formal Identity Theft Dispute Under 15 U.S. Code 1681c2 ( FCRA 605B ) Request for Immediate Blocking and Removal of Fraudulent Accounts To Whom It May Concern at Tranunion, Equifax, Experian, I am writing to exercise my rights under 15 U.S. Code 1681c2 ( FCRA Section 605B ). This letter serves as a formal dispute and demand to block and remove all information from my credit report that was the result of identity theft, unauthorized use, or inaccurate reporting. These accounts are causing unjust harm to my credit profile and were not authorized by me. 
Below is a non-exhaustive list of disputed items that must be blocked immediately : - 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 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 Others : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This correspondence is accompanied by : - A copy of my government-issued ID - Proof of address ( utility bill or equivalent ) - A copy of my FTC Identity Theft Report and/or police report - A marked copy of my credit report highlighting the disputed items You are required by law to block the reporting of this information within four ( 4 ) business days of receiving this notice. Failure to comply will result in legal action and regulatory complaints being filed with the CFPB, FTC, and State Attorney General. You may also be held liable for damages under 15 U.S. Code 1681n and 1681o.

Please respond in writing confirming the removal of all listed accounts. 

Respectfully, 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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-06-17 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion

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 2025-06-17 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: FL

Complaint narrative:
Im disputing a late payment on my report that does not align with my payment history. I paid this account before the due date and request its immediate deletion to ensure the accuracy of my credit record.

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 2025-06-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I have disputed this almost XXXX amount with XXXX XXXX times now. Each and everytime I win the dispute and it is removed from my credit report. They also filed a cancellation of debt in XXXX  which was reported on my tax return for XXXX  as additional income. They continue to falsely report this over and over again, and it needs to be investigated and blocked.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Security Credit Services, LLC
State: WI

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to XXXX regarding a collection account reported under my name by Security Credit Services ( account number ending in XXXX ). I do not recognize this debt and have no knowledge of ever owing it. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I explicitly requested verification, including : The name of the original creditor The date the alleged debt was incurred A signed agreement or contract proving that I am responsible for this account Proof that Security Credit Services is legally authorized to collect the debt XXXX responded on XX/XX/XXXX, claiming that the information was verified. However, they failed to provide any of the documentation I requested. I was not shown any proof, contract, or account records. 

Because of this, I consider their investigation incomplete and the continued reporting of this account inaccurate and damaging to my credit. They did not meet the standards of verification required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
YOU ARE IN VIOLATION OF 15 US Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is a formal complaint that you are reporting inaccurate and incomplete consumer information. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of MY CORRECT PERSONAL INFORMATION : Delete all other addresses, I can not receive mail or any correspondence nor do I have access to any Please delete these inaccurate addresses and names. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. I demand that the following accounts be removed immediately as it's vital to me support my family : Also, I noticed that there are unauthorized inquiries made and they were not by me : I contacted the companies who placed the inquiry and asked them to delete the inquiry and or provide me written proof that I made this inquiry. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Remove unverifiable, inaccurate, unauthorized credit inquiries from my consumer report. It's federal law you report 100 % accurate and verifiable accounts on my consumer report according to 15 US Code 1681e ( b )

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 2025-06-17 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 want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy. These errors are having a serious and ongoing XXXX  impact on my life XXXX XXXX XXXX XXXX 
I am going through extremely difficult times, and the presence of these inaccuracies only adds to the burden. It would be a tremendous relief truly a blessing to have these errors corrected or removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: UT

Complaint narrative:
I can't login to see my loan information, statements, payoff, balance, etc... I'm using the correct username, password, loan number, SSN, etc... They are purposely making logins difficult, or impossible.

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 2025-06-17 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I opened a business credit card with U.S. Bank and was unknowingly enrolled in a central bill account setup that split off billing into a separate account I was never informed of. When I checked my balance via the personal banking portal, it showed {$0.00}, even though I had a balance accruing elsewhere. This caused missed payments and a delinquency I was never alerted to until my card was declined. 

I requested cancellation of this unwanted billing structure on XX/XX/year>. I was told it was pending and only needed to be zeroed out, which was immediately completed. Later I was told it was never submitted until XX/XX/XXXX, and now in XXXX, Im being told it can not be canceled due to a promotional interest period something that was never disclosed during account setup or cancellation. 

Despite spending hours on the phone and speaking with multiple departments, I continue to receive conflicting information. I have asked for a complete log of my customer service history, agent notes, and internal communications regarding this issue, but I am being stalled with vague or noncommittal responses. 

This has impacted my business credit, wasted valuable time, and eroded my trust in U.S. Bank. I request full disclosure of my account history, assistance with canceling the unwanted billing account, and that all negative marks be removed from my business credit.

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 2025-06-17 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: OH

Complaint narrative:
Please see Attachments! I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

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 2025-06-17 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate XXXX  XXXX. They are non compliant with the FCRA. These erroneous reports XXXX  hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed late payment entries reported by XXXX on my credit card account ending in XXXX on three separate occasions. Each time, XXXX has responded with a vague statement that the reporting is accurate and verified, yet has never provided any documentation to prove the validity of the alleged late payments. 

Most recently, on XX/XX/year>, I received another letter from XXXX again claiming accuracy, and stating they would only add a dispute remark to my credit file. This completely fails to resolve the issue. Simply stating that something is accurate without any supporting documentation is not verification, especially under 15 U.S. Code 1681s-2 ( b ) and 1681i.

Barclays continues to report negative payment history to Experian, XXXX XXXX XXXX yet they have not demonstrated compliance with 15 U.S. Code 1666b, which requires them to prove they delivered the billing statement at least 21 days before the payment due date. 

I am requesting that the CFPB investigate XXXX for failing to properly verify and for reporting potentially false and harmful information. I am requesting that all late payments on this account be removed from my credit reports. 

I have attached a formal final demand letter sent to 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed late payment entries reported by XXXX on my credit card account ending in XXXX on three separate occasions. Each time, XXXX has responded with a vague statement that the reporting is accurate and verified, yet has never provided any documentation to prove the validity of the alleged late payments. 

Most recently, on XX/XX/year>, I received another letter from XXXX again claiming accuracy, and stating they would only add a dispute remark to my credit file. This completely fails to resolve the issue. Simply stating that something is accurate without any supporting documentation is not verification, especially under 15 U.S. Code 1681s-2 ( b ) and 1681i. 

XXXX continues to report negative payment history to XXXX XXXX, and TransUnion, yet they have not demonstrated compliance with 15 U.S. Code 1666b, which requires them to prove they delivered the billing statement at least 21 days before the payment due date. 

I am requesting that the CFPB investigate XXXX for failing to properly verify and for reporting potentially false and harmful information. I am requesting that all late payments on this account be removed from my credit reports. 

I have attached a formal final demand letter sent to 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed late payment entries reported by XXXX on my credit card account ending in XXXX on three separate occasions. Each time, XXXX has responded with a vague statement that the reporting is accurate and verified, yet has never provided any documentation to prove the validity of the alleged late payments. 

Most recently, on XX/XX/year>, I received another letter from XXXX again claiming accuracy, and stating they would only add a dispute remark to my credit file. This completely fails to resolve the issue. Simply stating that something is accurate without any supporting documentation is not verification, especially under 15 U.S. Code 1681s-2 ( b ) and 1681i. 

XXXX continues to report negative payment history to XXXX, Equifax, and XXXX  yet they have not demonstrated compliance with 15 U.S. Code 1666b, which requires them to prove they delivered the billing statement at least 21 days before the payment due date. 

I am requesting that the CFPB investigate XXXX for failing to properly verify and for reporting potentially false and harmful information. I am requesting that all late payments on this account be removed from my credit reports. 

I have attached a formal final demand letter sent to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : 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 XXXX

Company response to consumer: Closed with non-monetary relief