vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The information listed below was created or maintained under coercion, fraud, and identity misuse. These items are inaccurate, not mine, and continue to cause harm and misrepresentation of my personal and financial history. 

Enclosures Provided : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXI XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} HARD INQUIRIES TO REMOVE : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I am requesting that TransUnion immediately block and delete all of the above information in compliance with FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once the actions are completed.

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 2025-11-18 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
i purchased XXXX  and on XXXX XXXX i called to pay off the loan but i used a different account to pay it off and i had a up coming automatic withdrawal coming out of the account i put down for the initial lease i asked them add that up coming payment into the payoff and they told me the account was closed i asked them if that payment was included and they said yes and the account was closed but apparently they reopened it a took XXXX more dollars out of my account and now my account is over drawn because of them. this companies name is ACIMA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: DC

Complaint narrative:
There are fraudulent collections from XXXX XXXX XXXX on my credit report. This is not my debt. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and Police Report. See attached documents. I request to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
This is the second complaint I have had to file regarding Santander this year. Since XXXX I have received repeated harassing and aggressive test messages and phone calls threatening to repossess my vehicle for late or missed payments. I receive them daily. I have called Santander numerous times and am always told that it is a system glitch, my account has been fixed, my account is in good standing and to disregard. I have asked to speak to multiple managers. I have found out that my personal information has been connected to not one, but two additional accounts besides my own. No one can explain to me how this is happening, At best, Santander is being negligent with my personal information. They will not put me into contact with anyone who can actually help me, and I am concerned that due to their practices, my car may actually be falsey repossessed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This account was previously handled by XXXX XXXX, which the CFPB determined used illegal and deceptive practices to file disputes without proper consent. 

Because of this, the credit bureaus can not rely on any past dispute verification processes. They must conduct a lawful reinvestigation but failed to do so. I am requesting full deletion. 


I am a consumer impacted by the illegal credit repair practices identified in CFPB XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Because the company filed unauthorized or deceptive disputes on my behalf, all prior verifications on my file are unreliable. I request a full reinvestigation of all negative accounts : XXXX XXXX XXXX {$1400.00} XXXX XXXX  {$1300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX  {$480.00}, {$270.00} XXXX  XXXX Charge-off XXXX  Repossession If you can not obtain original validation from the furnisher, remove the accounts under FCRA 609 and 611 . Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This account was previously handled by XXXX XXXX, which the CFPB determined used illegal and deceptive practices to file disputes without proper consent. 

Because of this, the credit bureaus can not rely on any past dispute verification processes. They must conduct a lawful reinvestigation but failed to do so. I am requesting full deletion. 


I am a consumer impacted by the illegal credit repair practices identified in CFPB XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Because the company filed unauthorized or deceptive disputes on my behalf, all prior verifications on my file are unreliable. I request a full reinvestigation of all negative accounts : XXXX XXXX XXXX {$1400.00} XXXX XXXX  {$1300.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX  {$480.00}, {$270.00} XXXX  XXXX Charge-off XXXX  Repossession If you can not obtain original validation from the furnisher, remove the accounts under FCRA 609 and 611 . Sincerely, 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 2025-11-18 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:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-18 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$830.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$140.00}

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NV

Complaint narrative:
I lost my job in XX/XX/year> and was incontact with Sallie Mae regarding my inability to pay and the best options to do so. 

I began classes on XX/XX/year>, and have been contacting Sallie Mae since XXXX regarding my in-school deferment. My school experienced delays in completing the required paperwork, and I did not receive the completed deferment form until XX/XX/year>. On that same day, I contacted Sallie Mae to confirm receipt and processing of the form. 

During that call, two representatives provided conflicting information : One told me I needed to make a payment, even though my deferment had been submitted. 

The other told me that no payment was necessary because my loan was already in deferment. 

I was also told that because of a past-due balance, I may or may not need to make a payment, but the representative was unsure and advised me to wait for correspondence. I never received any correspondence at all. 

On XX/XX/year>, I discovered that my loan had been closed, which should never have happened during a deferment process. When I called Sallie Mae for assistance, I was repeatedly transferredoften before the representative even allowed me to fully explain the situation. 

I eventually spoke with a representative in Account Recovery who told me that my loan was deferred and that I needed to make a payment. He also claimed I needed to wait 20 days for the deferment to process, even though I explained it had already been processed on XX/XX/XXXX. He then transferred me to XXXX ( ID : XXXX ) in the escalations department. 

XXXX informed me that : My loan had been closed, I was not allowed to make a payment, A request had been sent to the back office to reopen the loan, and She would contact me with their decision. 

XXXX called me at XXXX XXXX, Wednesday the XXXX and stated she needed an additional 13 business days before an update could be provided. As of now, I still have no resolution. 

On XX/XX/year>, I contacted Sallie Mae. I was transferred over 5 times and put on hold multiple times with no answer and was unable get a email to file a formal compliant.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

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

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 2025-11-18 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: 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 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 2025-11-18 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: NY

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Information I am disputing the accuracy of the following information : The charged-off account from XXXX reported on Experian needs further review for possible discrepancies. 

CHARGE OFF : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$19000.00}

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a formal complaint against US Bank for withholding my deposited funds without providing any required documentation, notices, or explanation. 

On XX/XX/year>, US Bank flagged several of my check deposits as fraud. The bank immediately placed the funds under a fraud hold. It is now XX/XX/year>, and my funds have still not been released. 

US Bank has failed to provide : A Regulation CC hold notice Any written documentation explaining why the funds were flagged A timeline for release Instructions on what they need from me Access to a case manager or fraud investigator Consistent or accurate information during my repeated calls I have contacted US Bank numerous times over the last several months. Each time I am told something different, and no one at the bank can explain why the funds remain frozen. 

The banks actions appear to violate : Regulation CC, regarding permissible hold periods and required notice Basic banking compliance standards regarding communication with customers I am requesting that the CFPB require US Bank to : Provide a written explanation of the fraud hold Provide the missing Regulation CC documentation Immediately review the legality of keeping my funds frozen for over five months Either release the funds or provide a clear and justified timeline for resolution This situation has caused severe financial hardship and unnecessary stress. I am requesting urgent CFPB intervention.

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 2025-11-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My personal information was leaked due to the data breaches of experian, XXXX, XXXX, XXXX, and XXXX XXXX. Please see attachments for identity theft report, proof of data breaches and documentation to verify my identity.

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 2025-11-18 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 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:
I am writing to dispute the following accounts on my credit report. These accounts have been inaccurately reported, and I believe they violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate information. Please investigate and correct these discrepancies. 

Charged Off : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$63.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1400.00}

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