vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report. 
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  According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

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 2025-09-08 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: MI

Complaint narrative:
I filed a dispute with Experian on the XX/XX/year>, and heard nothing back. I called and they stated that they did not receive my dispute. I tried resubmitting through Experian through their online portal today XX/XX/year>, and have been kicked out the system six times today because the system will not allow me to upload new documents. It should not be this difficult.

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 2025-09-08 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: NM

Complaint narrative:
VIOLATIONS OF THE GRAMM-LEACH-BLILEY ACT LAW : Pub. L. No. 106-102, 113 Stat. 1338, codified in relevant part primarily at 15 U.S.C. Section 6801-6809, Section 6821-6827 requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Subtitle B of Title V ( 15 U.S.C. Section 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the Federal banking agencies or other regulators. DATA BREACH WITH ALL CREDIT REPORTING AGENCIES INCLUDING EQUIFAX, EXPERIAN, TRANSUNION AND XXXX XXXX. DATA BREACH WITH SOCIAL SECURITY ADMINISTRATION, DATA BREACH WITH THE DEPARTMENT OF TREASURY, DATA BREACH WITH THE INTERNAL REVENUE SERVICE HAS BEEN REPORTED AS A VICTIM OF DEFAMATION, FINANCIAL INJURY, FCRA Setion605 ( c ), Section 611 Part ( A ) ( 1 ). This COMPLAINT IS NOT AN ATTEMPT TO DISPUTE any part of these fraudulent accounts BUT A LEGAL AND LAWFUL DEMAND. These agencies are civilly liable pursuant to 15 U.S.C. 1681n, Commercial law. INACCURACIES AND HISTORIAL CONTEXT.

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 2025-09-08 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:
This complaint is not the result of an oversight. My credit report contains inaccuracies that prevent it from reflecting the maximum possible accuracy. These erroneous items have caused significant, ongoing harm to my creditworthiness and personal wellbeing, and they continue to impede my ability to achieve financial stability.

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 2025-09-08 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: FL

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 XXXX 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 2025-09-08 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: MO

Complaint narrative:
This complaint is not submitted in error. Bank errors in billing and reporting are negatively affecting my credit. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately apply payments and credits. However, payments I made were not properly recorded, calculation errors appear in the reported amounts, and I was not provided the required 21-day notice before payments were due. As a result, any late payment marks are invalid. These inaccuracies violate federal law and are unfairly damaging my credit standing.

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 2025-09-08 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: NY

Complaint narrative:
I am writing once again regarding the fraudulent item that continues to appear on my credit report. Despite my repeated efforts to dispute and resolve this issue, this unauthorized entry remains. This situation is deeply distressing and raises serious concerns about why it has persisted for so long. I have also noticed that my personal information on file is not correct, which is contributing to this false account appearing under my name. As a victim of identity theft, I have already filed an FTC report as instructed by Equifax and submitted it for review, yet this fraudulent item is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: AR

Complaint narrative:
Tried multiple times, hours at a time, on hold to try and just activate the card. Nobody answers and they locked me out of mobile app and website saying call the number can not access federal benefits because they don't answer the phone and won't let me log in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: CA

Complaint narrative:
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 XXXXXX/XX/2023 This is a formal notice of a data breach and identity theft issue connected to my personal credit file. Under the Fair Credit Reporting Act ( FCRA ) 605B and the Federal Trade Commissions Identity Theft Rules, I am asserting my rights as a victim of identity misuse. 

The accounts and negative items previously disputed are the result of unauthorized use and reporting of my personal data. Since your bureau has continued to report this inaccurate information beyond the dispute period, this constitutes : 1. A data breach of my personally identifiable information ( PII ), 2. A violation of FCRA 611 ( a ) for failing to verify or delete within the required timeframe, and 3. A violation of my rights under the FTCs Red Flags Rule and CFPB enforcement authority.

Be advised : I have already filed formal reports with the FTC and the CFPB documenting these violations. As such, I am demanding immediate corrective action.

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 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MN

Complaint narrative:
I made my payment due XX/XX/year>. It posted to my account on XX/XX/year>. Nissan returned it to my bank because they had changed my account number without informing me. They then called me at least twice per day for several days. When I finally got ahold of them, after being transferred muliple times and put on hold for over XXXX hours, they threatened to report me to the credit bureau and forced me to pay them through their website instead of through my bank. I did that. I got a bill for XXXX and paid that through my bank. For XXXX I never got a bill. But I knew I owed so I went to the website and paid it there. It posted on the XXXX. It's not due til the XXXX. I recieved at least XXXX calls over the weekend. I finally get ahold of them XXXX. They tell me im XXXX  days overdue. I told them I paid it and it posted the XXXX, XXXX  days early. They say they can see the payment but the system applied it wrong and it's gon na take them XXXX  days to fix it. As if I am the one causing the problem. I ask to speak to a supervisor. Iv been on hold waiting for the supervisor for over an hour. I have not paid a single late payment to these people but i've recieved at least XXXX calls from them attempting to collect debt that I have already made an on time payment to. I want them to stop calling me multiple times per day and I want to make sure they haven't reported me to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
I need to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are severely impacting me and continue to cause ongoing harm. This situation is unacceptable and must be resolved without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US  federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-08 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: PA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX, NJ XXXX XXXX Ran a hard inquiry on my credit report without my knowledge or consent. I did not authorizes this credit pull, nor did i sign any document granting permission. In fact, the salesperson specifically stated that they had no run my credit. 

I only became aware of this inquiry after reviewing my credit report. This unauthorized action has a negatively affected my credit profile. I am requesting that this inquiry be removed and that this dealership be held accountable for running my credit without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate removal of an item that has been unlawfully reinserted into my credit report. Upon reviewing my recent credit report, I discovered that XXXX XXXX accounts listed under account XXXX have reappeared on XX/XX/year> after previously being deleted on XX/XX/year>. I have attached 3 screenshots, documenting the deletions of all 12 actions. I have also attached 12 screenshots, which documents your update of each account to my credit report. This action directly violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The law explicitly states that if a deleted item is reinserted into a consumers credit file, the consumer must be notified in writing within XXXX ( XXXX ) business days of the reinsertion. No such notification was provided to me. This failure to comply with the legal requirements is a blatant disregard for my rights as a consumer and constitutes an unlawful practice.

Section 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) also mandates that any information reinserted into a credit file must be certified by the furnisher as accurate and complete. I have not received any documentation or certification to verify the validity of this debt, further demonstrating that your reinsertion of this account is legally unsound.

In addition, your failure to notify me and follow proper reinsertion procedures violates my rights under the broader provisions of the FCRA, which ensures that consumers are protected from inaccurate, incomplete, or unverifiable information on their credit reports.

This letter serves as formal notice demanding that this account be permanently removed from my credit file immediately. If this unlawful reinsertion is not corrected during the next credit report update, I will pursue legal action against your agency for willful noncompliance with the FCRA. Please be advised that under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am entitled to statutory damages, punitive damages, and attorneys ' fees if I proceed with litigation.

Additionally, I request that you provide : Documentation of the certification process for this accounts reinsertion, as required by law. 
Written confirmation that this item has been deleted from my credit file. 
An updated copy of my credit report reflecting the deletion. 
Failure to address this matter promptly and in compliance with federal law will leave me no choice but to escalate this issue further. I trust you will act in accordance with your legal obligations and resolve this matter immediately.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was trying to process my payment and didn't realize my routing number had changed. The bank I have all my money in got bought by chase. I kept trying to process and it kept getting bounced back, put in the new routing number, didn't work. Finally it worked and I paid all of it off and the very next day they closed my account. Which in return dropped my credit by XXXX points. When I called and asked them to re open my account they said they would have to do a hardline of credit on my account making it drop even more. I had close to an XXXX credit score I worked very hard for. I was trying to work all this out and they will not work with me on getting it resolved and restoring my credit all because they bought out the bank I use my money in.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
a charge of XXXX dollars every month for the past XXXX  months

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