vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX USA FCRA Violation and Request for Full Removal of Account To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for continued inaccurate and misleading reporting on my credit file, despite prior disputes. I am now formally requesting complete removal of this account due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the financial harm it is causing me. 



Details of the Account : Creditor : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Account Type : Reported as Auto Loan Issue : Paid Repossession Reporting ( after full payoff ) Balance : {$0.00} ( Paid in full after repo ) Violations and Justification for Removal : 1. Misclassification of Account Type : This account is being reported as an auto loan, but I signed a Retail Installment Sales Contract ( RISC ) at the dealership. By federal and legal standards, this is a credit sale, not a loan. Reporting this account as a loan is factually inaccurate and misleading under the FCRA. 
XXXX. Inaccurate Derogatory Reporting After Full Payoff : The vehicle was repossessed but I paid the full remaining balance shortly after. Despite this, XXXX is continuing to report a Paid Repossession, which is a serious derogatory remark. This status is damaging, even though the account was fully satisfied. This corrected remark still functions as negative credit, which is unfair given the circumstances and my effort to resolve the account quickly. 
3. Refusal to Honor Goodwill or Fair Resolution Practices : I have made multiple efforts to resolve this amicably, including through dispute channels. XXXX has refused to remove the repo or adjust the account in a way that reflects good faith. Instead, they simply updated it to Paid Repossession, which continues to harm my credit profile.

4. Demonstrated Financial Harm : Because of this continued negative reporting, I have been unable to obtain auto financing for a replacement vehicle. The car I recovered after payoff is now inoperable, and I am suffering real-time financial hardship. I have also experienced emotional distress and lost opportunities as a result of this unjust 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 2025-05-10 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: CA

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX USA FCRA Violation and Request for Full Removal of Account To Whom It May Concern : I am filing this complaint against XXXX XXXX XXXX for continued inaccurate and misleading reporting on my credit file, despite prior disputes. I am now formally requesting complete removal of this account due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the financial harm it is causing me. 



Details of the Account : Creditor : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Closed : XX/XX/XXXX Account Type : Reported as Auto Loan Issue : Paid Repossession Reporting ( after full payoff ) Balance : {$0.00} ( Paid in full after repo ) Violations and Justification for Removal : 1. Misclassification of Account Type : This account is being reported as an auto loan, but I signed a Retail Installment Sales Contract ( RISC ) at the dealership. By federal and legal standards, this is a credit sale, not a loan. Reporting this account as a loan is factually inaccurate and misleading under the FCRA. 
XXXX. Inaccurate Derogatory Reporting After Full Payoff : The vehicle was repossessed but I paid the full remaining balance shortly after. Despite this, XXXX is continuing to report a Paid Repossession, which is a serious derogatory remark. This status is damaging, even though the account was fully satisfied. This corrected remark still functions as negative credit, which is unfair given the circumstances and my effort to resolve the account quickly. 
3. Refusal to Honor Goodwill or Fair Resolution Practices : I have made multiple efforts to resolve this amicably, including through dispute channels. XXXX has refused to remove the repo or adjust the account in a way that reflects good faith. Instead, they simply updated it to Paid Repossession, which continues to harm my credit profile.

4. Demonstrated Financial Harm : Because of this continued negative reporting, I have been unable to obtain auto financing for a replacement vehicle. The car I recovered after payoff is now inoperable, and I am suffering real-time financial hardship. I have also experienced emotional distress and lost opportunities as a result of this unjust 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 explanation
Consumer complaint received 2025-05-10 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/ closed accounts 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

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 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 2025-05-10 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: GA

Complaint narrative:
I am writing to formally dispute hard inquiries listed on my credit report that were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Business Revenue Systems, Inc.
State: DE

Complaint narrative:
I have and have had the same medical insurance for the past XXXX  years, my XXXX  was sent to get a XXXX XXXX  and the medical insurance has not paid the bill yet. There is a discrepancy about the code that her physician entered. She has been going back and forth with the XXXX XXXX and the location the she had the scan. My XXXX Assistance XXXX XXXX is trying to get this taken care of. XXXX  XXXX XXXX sent the bill to Collection Agency Business Revenue Systems Inc. 
I explained to them that this issue is being worked on and it is now negatively affecting my credit as they have put it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
Let me be very clear I never gave this company permission to pull my credit. I did not apply for anything, I did not authorize any inquiry, and there was absolutely no permissible purpose under the Fair Credit Reporting Act for this access. This inquiry is unauthorized and, frankly, fraudulent.

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 2025-05-10 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: OH

Complaint narrative:
On XX/XX/XXXX, I was checking XXXX XXXX for my credit score when I saw my credit score of XXXX had dropped to XXXX overnight. I went searching and found that my school loans for both my XXXX education and XXXX  education came out of forbearance and had been listed as 90 days late, leading to a delinquency ; this is something I had no idea was happening. After my loan had been bought out by XXXX and after XXXX, it was unclear when payments were to begin again. The total bill for the missed payments was upward of {$2500.00} which I can not afford by any means. I paid {$650.00} and called XXXX and told them I can not afford this at this point in time as I had moved my mother in with me from XXXX  to take care of her which put a financial constraint on me. They kindly informed me that some of my loans were eligible for forgiveness as I have been working in the medical field since XXXX and sent me information regarding the process for that upon request. They told me that they would place my loans into forbearance and I requested until XXXX so I had time to re-evaluate my finances. I was actively attempting to purchase a house for me, my mother and my partner with his kids so we could consolidate all the funds and pay everything off. I emailed XXXX via the link they have regarding their " credit dispute '' and this was entirely ineffective stating in a response email a few days later that there were no errors on my credit report. I had no idea and was not adequately notified that my loans were past due otherwise I would've addressed this sooner so it did not ruin my chances of buying a house and moving forward in life in a financially responsible way. I understand that my loans were past due but this very same thing has been happening across the nation. Please wipe this paradoxical late payment from my credit score so I can continue moving forward in life instead of renting an apartment for my mother and I or advise me what I can do to recover in a timely fashion that doesn't leave me at the age of XXXX before my credit score improves. I am begging and at your mercy at this point.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I was checking XXXX XXXX for my credit score when I saw my credit score of XXXX had dropped to XXXX overnight. I went searching and found that my school loans for both my XXXX education and XXXX  education came out of forbearance and had been listed as 90 days late, leading to a delinquency ; this is something I had no idea was happening. After my loan had been bought out by XXXX and after XXXX, it was unclear when payments were to begin again. The total bill for the missed payments was upward of {$2500.00} which I can not afford by any means. I paid {$650.00} and called XXXX and told them I can not afford this at this point in time as I had moved my mother in with me from XXXX  to take care of her which put a financial constraint on me. They kindly informed me that some of my loans were eligible for forgiveness as I have been working in the medical field since XXXX and sent me information regarding the process for that upon request. They told me that they would place my loans into forbearance and I requested until XXXX so I had time to re-evaluate my finances. I was actively attempting to purchase a house for me, my mother and my partner with his kids so we could consolidate all the funds and pay everything off. I emailed XXXX via the link they have regarding their " credit dispute '' and this was entirely ineffective stating in a response email a few days later that there were no errors on my credit report. I had no idea and was not adequately notified that my loans were past due otherwise I would've addressed this sooner so it did not ruin my chances of buying a house and moving forward in life in a financially responsible way. I understand that my loans were past due but this very same thing has been happening across the nation. Please wipe this paradoxical late payment from my credit score so I can continue moving forward in life instead of renting an apartment for my mother and I or advise me what I can do to recover in a timely fashion that doesn't leave me at the age of XXXX before my credit score improves. I am begging and at your mercy at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: OH

Complaint narrative:
On XX/XX/XXXX, I was checking XXXX XXXX for my XXXXredit score when I saw my credit score of XXXX had dropped to XXXX overnight. I went searching and found that my school loans for both my XXXX education and graduate education came out of forbearance and had been listed as 90 days late, leading to a delinquency ; this is something I had no idea was happening. After my loan had been bought out by XXXX and after XXXX, it was unclear when payments were to begin again. The total bill for the missed payments was upward of {$2500.00} which I can not afford by any means. I paid {$650.00} and called XXXX and told them I can not afford this at this point in time as I had moved my mother in with me from Florida to take care of her which put a financial constraint on me. They kindly informed me that some of my loans were eligible for forgiveness as I have been working in the medical field since XXXX and sent me information regarding the process for that upon request. They told me that they would place my loans into forbearance and I requested until XXXX so I had time to re-evaluate my finances. I was actively attempting to purchase a house for me, my mother and my partner with his kids so we could consolidate all the funds and pay everything off. I emailed XXXX via the link they have regarding their " credit dispute '' and this was entirely ineffective stating in a response email a few days later that there were no errors on my credit report. I had no idea and was not adequately notified that my loans were past due otherwise I would've addressed this sooner so it did not ruin my chances of buying a house and moving forward in life in a financially responsible way. I understand that my loans were past due but this very same thing has been happening across the nation. Please wipe this paradoxical late payment from my credit score so I can continue moving forward in life instead of renting an apartment for my mother and I or advise me what I can do to recover in a timely fashion that doesn't leave me at the age of XXXX before my credit score improves. I am begging and at your mercy at this point.

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 2025-05-10 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: GA

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 XXXX  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 XXXX  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 2025-05-10 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:
XXXX XXXX XXXX : report indicates a monthly payment of {$600.00} and a past due amount of {$1200.00}. However, the credit file simultaneously reflects three ( 3 ) 30-day late payments and three ( 3 ) 60-day late payments, which is mathematically and factually inconsistent and misleading.

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically the requirement that information reported to consumer reporting agencies be accurate, complete, and not misleading as stated in 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Inaccurate late payment notations can have a significant and unfair impact on my creditworthiness and financial opportunities.

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 2025-05-10 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: FL

Complaint narrative:
XXXX XXXX XXXX : report indicates a monthly payment of {$600.00} and a past due amount of {$1200.00}. However, the credit file simultaneously reflects three ( 3 ) 30-day late payments and three ( 3 ) 60-day late payments, which is mathematically and factually inconsistent and misleading.

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically the requirement that information reported to consumer reporting agencies be accurate, complete, and not misleading as stated in 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Inaccurate late payment notations can have a significant and unfair impact on my creditworthiness and financial opportunities.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX : report indicates a monthly payment of {$600.00} and a past due amount of {$1200.00}. However, the credit file simultaneously reflects three ( 3 ) 30-day late payments and three ( 3 ) 60-day late payments, which is mathematically and factually inconsistent and misleading.

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically the requirement that information reported to consumer reporting agencies be accurate, complete, and not misleading as stated in 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Inaccurate late payment notations can have a significant and unfair impact on my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation