vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
On XX/XX/year> I check my credit report and notice a decrease in my points due to a delinquent report being added from my student loans. I was not given prior notice to XXXX XXXX delinquent status being on my credit report. Student loans were in forbearance and deferment during the time of delinquent status being in place. Nor was there a XXXX day prior to the XXXX XXXX late status.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I check my credit report and notice a decrease in my points due to a delinquent report being added from my student loans. I was not given prior notice to 90 day delinquent status being on my credit report. Student loans were in forbearance and deferment during the time of delinquent status being in place. Nor was there a XXXX day prior to the 90 day late status.

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 2025-05-16 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: TN

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-05-16 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: EQUIFAX, INC.
State: TN

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-16 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:
I am a victim of identity theft. Someone used my personal information without my permission to open accounts and/or make transactions in my name. These accounts and actions are fraudulent and do not belong to me. 

I am requesting that any negative or incorrect information related to this identity theft be removed or blocked from my credit reports. I did not authorize these accounts or charges, and they do not reflect my financial behavior. 

account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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 a victim of identity theft. Someone used my personal information without my permission to open accounts and/or make transactions in my name. These accounts and actions are fraudulent and do not belong to me. 

I am requesting that any negative or incorrect information related to this identity theft be removed or blocked from my credit reports. I did not authorize these accounts or charges, and they do not reflect my financial behavior. 

account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute two inaccurate addresses listed on my TransUnion credit XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX MOBILE, XXXX These addresses are not associated with me and were reported in error. Please investigate and promptly remove them from my credit file. 

I would also like to note that these same addresses have already been successfully removed from my credit reports with XXXX  and XXXX  after investigation. 

For verification, Ive attached a copy of my government-issued ID and a recent utility bill showing my correct, current address. 

Thank you for your attention to this matter.

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 2025-05-16 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: MA

Complaint narrative:
I am writing to dispute the reporting of a closed late payment for the account XXXXXX/XX/XXXX, dated XX/XX/year>, with a balance of {$0.00}, as it appears on my TransUnion, XX/XX/XXXX, andXX/XX/XXXX credit reports. This late payment entry has been a persistent source of frustration, significantly impacting my credit standing despite the account being closed with a XXXX balance. Given the accounts status, this late payment reporting seems not only unfair but potentially inaccurate, particularly if it was the result of administrative oversight or outdated information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all data reported to the credit bureaus must be complete and accurate, reflecting the true status of the account. Inaccurate or outdated information can severely affect my financial reputation, limiting my access to fair lending opportunities and imposing undue financial strain.

Moreover, it is essential to highlight that recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised concerns about the accuracy of data reporting, especially for XX/XX/XXXX, which has been cited for conducting inadequate investigations and failing to properly verify disputed items, as required by 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ). This adds further urgency to this dispute, as incorrect reporting not only undermines my financial stability but also compromises the integrity of my credit profile. Given the closed status of this account, this late payment entry should be corrected to reflect accurate 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 2025-05-16 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: NY

Complaint narrative:
I recently reviewed a copy of credit report and noticed I had fraudulent accounts on my report. Please remove these account from my report, they are hurting my ability to obtain 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Account with XXXX attempted to be collected by Southwest Credit Systems XXXX XXXX I am unaware of this account and did not have the opportunity to dispute. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete the account immeditely from my report or I will forced to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX / XXXX, I am disputing the alleged debt your company reported, as I have no contract or prior relationship with you or the original creditor. This violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Again, this company is attempting to commit mail fraud by stating that I owe them. This is a form of harassment that has aggravated my health condition. I have no contract nor debt with this company. Please be advise to cease and desist all communication with me and do not put anything on my public record or credit report. 
To validate this claim, provide : 1. Proof of authorization to collect ( 15 U.S.C. 1692e, 1692f ).

2. Legal basis for collection.

3. Proof of authorization to operate in my state.

4. Signed contract or agreement proving the debt.

5. Full account history.

Under FDCPA 1692g ( b ), you have XXXX XXXX to respond. Failure to comply renders the debt invalid, and continued reporting or collection attempts will be considered unlawful. Per estoppel by silence ( XXXX v. XXXX ), if no evidence is provided, I will assume no debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I attended XXXX XXXX XXXX XXXX XXXX in XXXX, TX. for treatment of XXXX XXXX XXXX XXXX XXXX XXXX I signed a document stating that I was required to attend XXXX  treatments that would last approximately three months, which ended in XX/XX/XXXX. I signed a contract for {$6100.00} and I began paying XXXX XXXX monthly. My last payment was in XX/XX/XXXX, leaving me with {$2400.00} owed. I called the bank in XX/XX/XXXX at XXXX to inform them that I was experiencing financial difficulties because I was unemployed and only receiving Social Security benefits because I was retired. I also informed them that I would have to attend XXXX XXXX in XXXXXXXX XXXX  for tests for XXXX XXXXXXXX. That XXXX was already performed on XX/XX/XXXX of this year. I also spoke to Synchrony Bank with XXXX on XX/XX/XXXX and with XXXX on XX/XX/XXXX of this year, and they told me they could not help me. I must wait six weeks for a full recovery and then start looking for work. I am XXXX XXXX XXXX, and it's not easy for me to find work and pay off other overdue debts. I only ask, if possible, that you help me avoid paying this debt, which, to my surprise, has increased from {$2400.00} to {$5600.00} for this XXXX. I simply can't pay anymore. 
When necessary I will attachI a copy of the contract and the last bill from Synchrony Bank. 
I appreciate your kind attention.

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 2025-05-16 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: TX

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
Dear CFPB, This is a formal follow-up and demand for urgent regulatory enforcement regarding XXXX XXXX XXXX and Experian, XXXX of which continue to report inaccurate and unverified information under my name in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX Standards. 

On XX/XX/year>, I submitted a dispute regarding an account from XXXX XXXX XXXX appearing on my Experian report. The response issued by Experian on XXXX XXXX, stated the account was " verified and will remain ; '' yet the account continues to reflect a " dispute '' status on the CFPB as well. 

This contradiction is a direct violation of : - FCRA 1681i ( a ) ( 5 ) ( A ) : If an account can not be verified, it must be deleted.

- FCRA 1681e ( b ) : Requires maximum accuracy in reporting.

- Metro 2 Compliance : Prohibits contradictory statuses such as an account being both verified and in dispute. 

- FCRA 1681i ( a ) ( 1 ) : Reinforces my right to a full, verifiable reinvestigation and freedom from dispute obstruction. 

Despite multiple notifications and my explicit cease and desist demand, neither Experian nor XXXX XXXX XXXX has complied. I am exercising my right under the Fair Debt Collection Practices Act ( FDCPA ), * * 15 U.S. Code 1692c ( c ) * *, which clearly states that once a consumer notifies a debt collector in writing to cease communication, the collector may not communicate with the consumer * * further or through any medium * * other than for limited legal exceptions. 

XXXX XXXX XXXX has disregarded this notice and continues to communicate and report to third-party credit reporting agencies. This action is not only a * * willful violation of the FDCPA * * but an intentional infliction of harm by using unauthorized reporting to affect my consumer file. 

This ongoing inaccuracy has caused me financial harm and emotional XXXX, including being denied housing and credit. Therefore, I am demanding immediate action from the CFPB to : 1. XXXX XXXX XXXX XXXX to cease and desist all communication and reporting to * * any medium * * including but not limited to Experian, XXXX XXXX XXXX 

2. Enforce deletion of the account from all three credit bureaus within XXXX ( XXXX ) calendar days due to failure to verify and continued contradictory reporting. 

3. Investigate Experian for deceptive and noncompliant dispute handling. 
Please consider this a formal complaint and request for immediate relief. I am including screenshots from my Experian report as evidence of the improper handling of my dispute and clear violations of federal law.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
XX/XX/XXXX I reported {$140.00} fruad transaction at a branch, paperwork was filed. 
I then received a letter stating provisional credit was reversed In the amount {$290.00}. I returned to the bank on XX/XX/XXXX totally confused. Both transactions came from same company XXXX XXXX TX. # XXXX originated in XXXX which I had forgotten. The {$140.00} 's is what I went to bank about. Three months later they decide {$290.00} was not fruad I have to assume the same will be said for the {$140.00} as it's the same company. I asked for information on the company to follow-up. The only thing they said they could tell me was that it was a XXXX XXXX. Their investigators findings were I was responsible for the charge. I don't and never have smoked and did not make these purchases. So now I'm out again. Why did it take almost 4 months for the {$290.00} transaction to be decided. 
Santander Bank XXXX XXXX, TX 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 monetary relief
Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-16 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: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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