vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: IA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX. The issue concerns an auto loan account that was originally joint, but is no longer my financial responsibility as per the terms of a signed legal separation agreement. This document clearly states that I am not liable for the loan. 

I have already disputed this account with XXXX XXXX directly, as well as with all three major credit bureaus ( Equifax, Experian, and TransUnion ). In each case, I provided a copy of the signed separation agreement as legal proof that I should no longer be held financially responsible for this account. 

Despite this, the account continues to be reported under my name and is having a negative impact on my credit score. Ally has failed to acknowledge the legal documentation or take corrective action, and the credit bureaus have not removed the inaccurate information despite being notified. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting. XXXX continued furnishing of incorrect information, and the bureaus failure to correct it, violates those rights. 

I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX either : Provides legal justification for continuing to report this account under my name, despite my release of liability, or Immediately corrects the reporting with all three bureaus and removes the account from my credit profile.

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 2025-06-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Exeprian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX NA - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Provide Method of Verification and Continued Reporting of Inaccurate Information I, XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a credit reporting agency 's failure to provide a proper explanation and verification process for inaccurate and potentially unverifiable information on my credit report.

Pursuant to 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a complete description of the reinvestigation procedures used to verify disputed information. This includes the name, address, and telephone number of any furnisher of information that was contacted. 

Despite my prior dispute, I have not received the required information, and the following accounts remain on my credit report without proper verification : Disputed 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  Inaccurate Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Information I Am Requesting as Required by Law : The name of the original creditor for each disputed item The creditors full address and contact number The name and title of the person who verified the account ( s ) Copies of all documentation used to validate the dispute A clear description of the procedures your agency uses to ensure the accuracy of the information being reported Under 15 U.S.C. 1681e ( b ), you are obligated to follow reasonable procedures to assure maximum possible accuracy. If the disputed information can not be verified with supporting evidence, you are legally required to delete or correct it. If these compliance procedures have not been followed, I am requesting the immediate removal of all inaccurate and unverifiable information from my credit file.

Failure to comply may subject your organization to liability under 15 U.S. Code 1681n ( willful noncompliance ) and 15 U.S. Code 1681o ( negligent noncompliance ). I am prepared to seek legal remedies if this matter is not resolved.

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 2025-06-25 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: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Provide Method of Verification and Continued Reporting of Inaccurate Information I, XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a credit reporting agency 's failure to provide a proper explanation and verification process for inaccurate and potentially unverifiable information on my credit report.

Pursuant to 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a complete description of the reinvestigation procedures used to verify disputed information. This includes the name, address, and telephone number of any furnisher of information that was contacted. 

Despite my prior dispute, I have not received the required information, and the following accounts remain on my credit report without proper verification : Disputed 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  Inaccurate Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Information I Am Requesting as Required by Law : The name of the original creditor for each disputed item The creditors full address and contact number The name and title of the person who verified the account ( s ) Copies of all documentation used to validate the dispute A clear description of the procedures your agency uses to ensure the accuracy of the information being reported Under 15 U.S.C. 1681e ( b ), you are obligated to follow reasonable procedures to assure maximum possible accuracy. If the disputed information can not be verified with supporting evidence, you are legally required to delete or correct it. If these compliance procedures have not been followed, I am requesting the immediate removal of all inaccurate and unverifiable information from my credit file.

Failure to comply may subject your organization to liability under 15 U.S. Code 1681n ( willful noncompliance ) and 15 U.S. Code 1681o ( negligent noncompliance ). I am prepared to seek legal remedies if this matter is not resolved.

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 2025-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Verify ALL Disputed Late Payments - Request for Deletion Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion, equifax and Experian I am writing in response to my recent dispute regarding ALL late payments listed on my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate and verify disputed information within 30 days.

To date, you have not provided any verification or documentation supporting the accuracy of these late payments. Additionally, you failed to inform me of the method of verification or provide the name and contact information of the furnishers, as required by law.

Because no verification was provided, you are obligated under FCRA 1681i ( a ) ( 5 ) ( A ) to delete the disputed entries from my credit report.

I am requesting the immediate removal of this inaccurate information. If you do not comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for noncompliance.

Please provide written confirmation that this information has been removed within 15 days. 

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 2025-06-25 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Verify ALL Disputed Late Payments - Request for Deletion Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear TransUnion, equifax and Experian I am writing in response to my recent dispute regarding ALL late payments listed on my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate and verify disputed information within 30 days.

To date, you have not provided any verification or documentation supporting the accuracy of these late payments. Additionally, you failed to inform me of the method of verification or provide the name and contact information of the furnishers, as required by law.

Because no verification was provided, you are obligated under FCRA 1681i ( a ) ( 5 ) ( A ) to delete the disputed entries from my credit report.

I am requesting the immediate removal of this inaccurate information. If you do not comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for noncompliance.

Please provide written confirmation that this information has been removed within 15 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Global Lending Services LLC
State: NC

Complaint narrative:
XXXX XXXX on XX/XX/XXXX, Global Lending XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; all of these I did not authorize or recognize. Please remove these from my credit report. Also I do recognize XXXX XXXX but I did not authorize them to run my credit on XX/XX/XXXX. Please remove as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via Dealer XX/XX/XXXX, XXXX XXXX XX/XX/XXXX ; all of these I did not authorize or recognize. Please remove these from my credit report. Also I do recognize XXXX XXXX but I did not authorize them to run my credit on XX/XX/XXXX. Please remove as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Inaccurate Late Payment Reporting and Failure to Verify Billing Errors I, XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the continued inaccurate reporting of late payments on my credit report. This dispute is being submitted directly by me and not by any third party. 

Over XXXX days ago, I submitted a billing error dispute in accordance with the Fair Credit Billing Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). I have not received any documentary evidence verifying that the reported late payments are accurate. As of today, the following accounts continue to reflect late payments despite my dispute and the lack of proper verification. 

Legal Basis for Complaint : My dispute cited 15 U.S. CXXXXe XXXX ( b ) of the XXXX, which covers : Failure to accurately reflect a payment or credit issued Computation or accounting errors by the creditor Failure to provide proper advance notice ( XXXX days ) before assessing late fees or reporting late payments Additionally, the failure to respond with verification documentation violates : 15 U.S.C. XXXXi ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. XXXXe ( b ) Failure to ensure maximum possible accuracy Disputed Accounts ( Still Inaccurate ) : XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Open ) XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Open )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: ID

Complaint narrative:
In XX/XX/year>, I mailed letters to each of the companies that placed unauthorized inquiries on my credit report. In these letters, I requested removal of the inquiries under my rights provided by the Fair Credit Reporting Act ( FCRA ), as I did not authorize or initiate any credit applications with these entities. 

I also formally disputed the inquiries with all three major credit bureausEquifax, Experian, and TransUnionin writing. Despite these efforts, the inquiries remain on my credit report, and no corrective action has been taken by the companies or the credit reporting agencies. 

Additionally, I filed a report with IdentityTheft.gov due to concerns that these inquiries may be the result of fraudulent activity or identity theft. My FTC Identity Theft Report was included with my dispute correspondence.

Because of the unusually high number of unauthorized inquiries that appeared in a short period of time, I strongly believe I may have been affected by a data breach. The volume and frequency of the inquiries are not consistent with any credit activity I have initiated, and I am concerned that my personal information has been compromised. 

Given that I have taken all appropriate steps to resolve this matter directly with the companies and credit bureaus, I am now seeking the CFPBs assistance in investigating this issue and ensuring the removal of these unauthorized inquiries, as is my right under the FCRA.

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 2025-06-25 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: TX

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : 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 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 2025-06-25 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
In XX/XX/year>, I contacted the bank ( XXXX ) regarding a fraudulent account listed under my credit report. They confirmed that the account is under my sisters name, not mine but it was created using my Social Security number and date of birth. They stated they would send a letter to TransUnion to request the account be removed.Despite this, I have disputed the account with TransUnion multiple times in the past. I clearly explained it was not my account and that my sisters information and mine have previously been confused due to similar identities. Instead of removing the account, TransUnion only closed it, and it continues to negatively affect my credit. 
I am requesting that this account be fully removed from my credit history, along with the incorrect also known as name that was added to my profile. Ive taken every step I can and need this corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AL

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 response to consumer: Closed with explanation