vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 30 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 TransUnion 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 2025-07-31 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: CO

Complaint narrative:
This is not a mistaken complaint I am formally disputing inaccuracies on my credit report that clearly fail to meet the standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial well-being and personal 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 non-monetary relief
Consumer complaint received 2025-07-31 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: CT

Complaint narrative:
The inquiries in question are unrelated to any actions I have taken. Kindly update my credit report to reflect their removal.

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 2025-07-31 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: WI

Complaint narrative:
INACCURATE ACCOUNTS HAVE BEEN REPORTING TO MY CREDIT FILE

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 2025-07-31 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: AZ

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. Despite my repeated requests, the necessary corrections have not been made, and as a result, my credit score continues to be unfairly impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I purchased a 2021 XXXX XXXX XXXX from XXXX of XXXX XXXX The vehicle was advertised and presented to me at a price of {$28000.00}. I paid {$2000.00} as a cash down payment and was told my trade-in loan would be paid off in full. I was never offered or informed about any optional add-on packages. 

After signing, I reviewed the paperwork and discovered the contract reflected a vehicle price of only {$24000.00}. This {$4300.00} reduction was never explained, and the difference was filled by over {$6000.00} in optional add-ons ( XXXX XXXX XXXX XXXX, and extended warranties ), which were not disclosed, explained, or itemized at the time of sale. I was taxed on at least one of these add-ons, which the dealership verbally denied. 

Of my {$2000.00} down payment, only {$570.00} was applied ; {$1400.00} was silently used toward negative equity I was told would be fully covered. Additionally, the final contract set I received contained three duplicate pages, and the critical financing disclosure page was missing. It took over a week of repeated calls for the dealership to email a full version, which still lacked key information. 

I believe I was misled during the transaction, placed into a contract with inaccurate and incomplete disclosures, and that the dealership failed to comply with basic financial transparency laws. Im seeking accountability and a resolution that reflects fairness and integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I am very upset. My credit report contains inaccuracies and incomplete information. Despite my repeated requests, the necessary corrections have not been made, and as a result, my credit score continues to be unfairly impacted.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-31 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: PA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I, XXXX XXXX XXXX, SON OF THE LATE XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, OHIO XXXX. WITCH I XXXX XXXX XXXX HAS LIVED AT FOR OVER 21 YEARS, & MAINTAINED THE PROPERTY & MAINTENANCE, OF THE PROPERTY, ALSO WAS NAMED ATTORNEY-IN-FACT ON THE MORTGAGE CONTRACT, WE HAVE LIVED AT THIS PROPERTY SINCE XXXX THE DAY MY STEP FATHER, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PURCHASED THIS PROPERTY, TOGETHER, AND HAS RESIDED, SINCE, AND STILL DO, I HAVE MADE ALL PAYMENTS OF BILLS, MORTGAGE PAYMENTS, TAXES, & HAS DONE SO TILL THIS DAY, WITCH XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX AT THE XXXX XXXX TREASUREXXXX XXXX XXXX XXXX XXXX XXXX, WITCH I FILED A AFFIDAVIT STATING ALL ACTIONS AGAINST XXXX XXXX XXXX XXXX OHIO XXXX, OF UNPAID TAXES AND LEINS, THAT WAS FILLED BY XXXX XXXXXXXX XXXX WAS FRAUDULENT , AND WITH THAT INFORMATION XXXX XXXX OF THE XXXX XXXX TREASURERS OFFICE , DID HER RESEARCH AND FOUND THE SAME INFORMATION I PROVIDED HER TO BE TRUE, AND DROPPED THEY'RE CLAIM AGAINST ME, FOR XXXX XXXX XXXX XXXX OHIO XXXX, XXXX XXXX SAID THEY STILL TRY TO FRAUDULENTLY SEND ME FALSE CLAIMS, ABOUT MISS PAID MORTGAGE PAYMENTS, WITCH I CAN PROVIDE DOCUMENTATIONS OF ALL AUCTIONS OR CLAIMS FROM XXXX XXXXXXXX XXXX IS XXXX XXXX WHEN IN FACT ALL MORTGAGE PAYMENTS, TAXES, ARE PAID UP TO DATE AS OF XXXX, WITCH I HAVE ALL DOCUMENTS PROVING MY CLAIMS, I XXXX XXXX XXXX STATES ALL THAT IS STATED ABOVE IS TRUE TO THE BEST OF MY KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I paid the account in full, and it has been satisfied. Despite this payment, the account continues to be reported as unpaid on my credit report, which is inaccurate and misleading. 

I have taken the following actions regarding this matter : Dispute Filed with Experian : I have I submitted a formal dispute to Experian regarding the inaccurate reporting of this account. I provided documentation proving that the account had been paid in full. 

Documentation Provided : I included payment confirmation and any relevant statements indicating that the account was satisfied. 

This situation violates several provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681i ( a ) : This section mandates that credit reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of information. Given that I have provided proof of payment, the continued reporting of this account is unfounded.

FCRA 1681s-2 ( a ) : This section requires furnishers of information to provide accurate information to credit reporting agencies. Reporting this account as unpaid when it has been satisfied is a clear violation.

The inaccurate reporting is negatively impacting my credit score and financial standing. I request that immediate action be taken to correct this information and ensure that the account is reported as satisfied and paid in full. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I am submitting a complaint to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits & quot ; furnishing certain deceptive forms & quot ;. I & # 39 ; d like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced items that need to be updated to reflect positive and or removed from my credit report. 
Specifically, the following items on my report are disputed : Please remove these inaccurate names as soon as possible. These is not my name. Please verify and delete them immediately. 
XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate addresses as soon as possible. These are not my home address. Please verify and delete them immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2025-07-31 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: OH

Complaint narrative:
I am submitting a complaint to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits & quot ; furnishing certain deceptive forms & quot ;. I & # 39 ; d like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced items that need to be updated to reflect positive and or removed from my credit report. 
Specifically, the following items on my report are disputed : Please remove these inaccurate names as soon as possible. These is not my name. Please verify and delete them immediately. 
XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inaccurate addresses as soon as possible. These are not my home address. Please verify and delete them immediately. 
XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX FL XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX  where I had gotten a loan just before XXXX. Once the country had a mandatory shutdown they refused to take partial payments and said XXXX  didnt shut down and closed and charged off my account. Now they are continuing to report on my credit monthly payments as late even though they closed my account and charged it off. This company refused to follow the Cares Act and violates FCRA regulations. They have also charged the account off but never sent me proper documentation such as 1099 forms and continuous reporting of late payments monthly.

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 2025-07-31 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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