vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I requested a payout on my vehicle in early XXXX. I provided a new account number for them to remove the money from. The company repeatedly tried removing the payout amount from an incorrect account. I have repeatedly called to get that resolved. They have told me that because it was declined repeatedly they have to take a check, money order or debit card. If I do a debit card they would have to do multiple transactions and I would be charged a fee on top of each transaction made. I am a very busy XXXX XXXX. I do not have time to go in circles. I have given them permission multiple times to charge the correct account. They do not want to do that because every XXXX  days they have my payout go up. They constantly tell me there is nothing they can do about it. This has been going on since XX/XX/XXXX. I have repeatedly asked for the corporate number and they tell me they will submit a request for a manager to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several items that appear on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. The items listed below are either inaccurate, outdated, or unverifiable and must be investigated and corrected or removed immediately. 
________________________________________ Incorrect Addresses to Be Removed : These addresses do not belong to me and should be deleted from my credit file : 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 Violation : FCRA 1681b ( a ) ( 2 ) Reporting inaccurate personal data.

________________________________________ Accounts to Investigate and Delete if Not Fully Verified : XXXX. XXXX Account # XXXX * * Opened : XX/XX/XXXX | High Credit : {$180000.00} | Status : Charge-Off * * o Please provide documentation proving the accuracy and ownership of this account. If this account can not be verified with complete and reliable documentation, it must be deleted. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Account # XXXX * * Opened : XX/XX/XXXX | High Credit : {$68.00} | Status : Collection * * o I have no knowledge of this account. Please provide full validation including the original contract, statements, and proof of my responsibility for this debt. 
Violation : FCRA 1681i Right to dispute incomplete or inaccurate information.

________________________________________ Unauthorized Hard Inquiries : The following inquiries were not authorized by me. I did not apply for credit with these companies, nor did I give written or verbal consent for these pulls : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 1681b ( c ) No permissible purpose for these inquiries.

________________________________________ Request for Resolution Please conduct an investigation of the items listed above in accordance with FCRA 1681i. If any information you are reporting can not be fully verified, it must be deleted from my credit report.

I request a written response confirming the outcome of your investigation within XXXX days, as required by law. If the items are not removed or corrected within that timeframe, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several items that appear on my Equifax credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. The items listed below are either inaccurate, outdated, or unverifiable and must be investigated and corrected or removed immediately. 
________________________________________ Incorrect Addresses to Be Removed : These addresses do not belong to me and should be deleted from my credit file : 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 Violation : FCRA 1681b ( a ) ( 2 ) Reporting inaccurate personal data.

________________________________________ Accounts to Investigate and Delete if Not Fully Verified : XXXX. XXXX Account # XXXX * * Opened : XX/XX/XXXX | High Credit : {$180000.00} | Status : Charge-Off * * o Please provide documentation proving the accuracy and ownership of this account. If this account can not be verified with complete and reliable documentation, it must be deleted. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Account # XXXX * * Opened : XX/XX/XXXX | High Credit : {$68.00} | Status : Collection * * o I have no knowledge of this account. Please provide full validation including the original contract, statements, and proof of my responsibility for this debt. 
Violation : FCRA 1681i Right to dispute incomplete or inaccurate information.

________________________________________ Unauthorized Hard Inquiries : The following inquiries were not authorized by me. I did not apply for credit with these companies, nor did I give written or verbal consent for these pulls : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : FCRA 1681b ( c ) No permissible purpose for these inquiries.

________________________________________ Request for Resolution Please conduct an investigation of the items listed above in accordance with FCRA 1681i. If any information you are reporting can not be fully verified, it must be deleted from my credit report.

I request a written response confirming the outcome of your investigation within XXXX days, as required by law. If the items are not removed or corrected within that timeframe, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 
Thank you for your prompt attention. 
Sincerely, 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In the last several months, I have had repeated issues with TransUnion and Experian -- XXXX and Experian will not provide me access to online disputes -- XXXX and Experian will not allow me to view my disputes -- XXXX and Experian will not allow me to view alerts -- XXXX and Experian will not allow me to add or remove the freeze I have communicated with them multiple times via phone and via chat and their response was : our site is down -Please try again at a later time Transunion 's and Experian 's actions taken and non taken has caused my emotional distress and financial distress.

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 2025-05-02 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: GA

Complaint narrative:
Transunion is reporting my Dept of Education student loans wrong. I have 12 separate Dept Education Loans all running concurrent and XX/XX/XXXX through XX/XX/XXXX is payment history is showing that I have missed payments for those months. Those months were placed under deferment and the payment history should be updated is OK, never missed a payment. I have the deferment document from Dept Education stating that my Deferment is active and it last from XX/XX/XXXX through XX/XX/XXXX. I have disputed this information for the last 90 days and I need the account ( S ) DELETED under Fcra violations code 601 or Updated to Excellent payment History/Never Late because there are 11 accounts reporting negative. I have all the supporting documents for my Deferment period. Ive reached out to Transunion and spoke to customer service rep XXXX and the Supervisor on this situation. There has been no movement I need this updated ASAP as Im trying to purchase my home.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested a copy of my free credit report from equifax and equifax sent me a postcard stating that I do not have a credit file. I tried to see it online and again told no credit file... I called and spoke to an agent, who has informed me that my information such as my date of birth, address, and phone number has been removed from my account... 
He told me that I have to mail a copy of my social security card and my driver 's license to their XXXX XXXX in order to verify my identity and fix my account. 

I have been a victim of identity theft a few years ago where someone stole my social and driver 's license and caused financial and emotional distress. I am very upset that in 2025 equifax is still forcing people to physically mail such highly sensitive information to no particular person at a post office box... I have ask was there any other way and was told no. 


I mailed my documents because at this time my credit file is basically being held hostage and I am unable to apply for a loan until this is cleared up.

I mailed my documents by certified mail around XX/XX/XXXX and to this day it still has not been delivered or picked up... which forced me to mail a 2nd copy again certified and it has been delivered on XX/XX/XXXX. 

As of today no one has my documents.. When I called the agent can not see that I have over {$80000.00} in credit and student loans and she informed me that my documents are still not there and to give them another 5 more business day. 

First of all - is should be illegal for them to have me mail these documents and they should be able to use a secure form of document retrieval so that it this type of issue can be handled immediately. 

Secondly- this is the second time in my my credit file with this company has been hacked... This is not the first time. 

I want to have my file restored and wish to file charges if at all possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-05-02 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: IL

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: 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. 

Account Name : XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX * * * * * * * * * * * - Date Opened XX/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 non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 2025-05-02 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I spoke with XXXX in XXXX area of Experian attempting to correct credit history age and dispute balances which have been paid off. I was told older accounts weren't necessary after they stop reporting for accurate credit history age. XXXX is closed and paid off but almost XXXX yrs old. It was on all reports however Experian didn't continue to carry the trade line after account closed despite it affecting my score and credit history age. Please restore trade line for accuracy with history age and impact to score. Representatives were unable to assist. 

Issues with BOOST. Banks connected however bills which are all over XXXX to XXXX yrs old not showing and giving inaccurate dates of initiation. XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm afraid to have my bank information exposed if it is not going to be used properly and monthly bills paid aren't going to be used and documented accurately according to bank statements. Improper usage?

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Previous rental company forward my account to a collection agency XXXX and Capstone Credit & Collections who contacted my employee and has a negative balance. I didn't not authorize the debt collector to contact my employer nor that I sign a lease with this debt collector. I hereby state that I didn't authorize this company to have access to my personal rental history and my personal information like contacting my job and sending a notice. As to Capstone CC, the notice was sent to my employer and the envelope indicated open by XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
I spoke with XXXX in XXXX area of Experian attempting to correct credit history age and dispute balances which have been paid off. I was told older accounts weren't necessary after they stop reporting for accurate credit history age. XXXX is closed and paid off but almost XXXX yrs old. It was on all reports however Experian didn't continue to carry the trade line after account closed despite it affecting my score and credit history age. Please restore trade line for accuracy with history age and impact to score. Representatives were unable to assist. 

Issues with BOOST. Banks connected however bills which are all over XXXX to XXXX yrs old not showing and giving inaccurate dates of initiation. XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm afraid to have my bank information exposed if it is not going to be used properly and monthly bills paid aren't going to be used and documented accurately according to bank statements. Improper usage?

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 2025-05-02 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: GA

Complaint narrative:
I spoke with XXXX in XXXX area of Experian attempting to correct credit history age and dispute balances which have been paid off. I was told older accounts weren't necessary after they stop reporting for accurate credit history age. XXXX is closed and paid off but almost XXXX yrs old. It was on all reports however Experian didn't continue to carry the trade line after account closed despite it affecting my score and credit history age. Please restore trade line for accuracy with history age and impact to score. Representatives were unable to assist. 

Issues with BOOST. Banks connected however bills which are all over XXXX to XXXX yrs old not showing and giving inaccurate dates of initiation. XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm afraid to have my bank information exposed if it is not going to be used properly and monthly bills paid aren't going to be used and documented accurately according to bank statements. Improper usage?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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