vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-27 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: NC

Complaint narrative:
My file keeps showing over time FCRA violations Late Payments : 15 USC 1681 a2Xi 15 USC 1681 Permissible Purpose 15 USC 1681b Reinsertion Deleted Item 15 USC 1681i5b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX. XXXX XXXX XXXX XXXX {$9300.00} ; Acct # ... 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 2025-02-27 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXXXXXX Balance {$7900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$6300.00}

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
Consumer complaint received 2025-02-27 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: FL

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXXXXXX Balance {$7900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1600.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$6300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-27 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: CA

Complaint narrative:
XXXXXXXXXXXX XXXX XXXX Delete Hard Inquieres, Unauthorized

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 2025-02-27 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: IL

Complaint narrative:
I submitted a request to Credit Fresh to honor my rights under the Servicemembers Civil Relief Act ( SCRA ) while I am serving on XXXX XXXX Orders. However, when I contacted customer service, I was incorrectly informed that Credit Fresh does not support SCRA benefits unless I am XXXX XXXX XXXX and that service in the XXXX XXXX does not qualify. This statement is incorrect. 

I enlisted in the XXXX XXXX and am currently serving on XXXX XXXX Orders for the XXXX XXXX, which qualifies for SCRA protections under federal law. Despite providing this information, Credit Fresh wrongfully denied my request and asked for a copy of my enlistment contract, which is not required to verify my XXXX XXXX status for SCRA eligibility. 

I have attached a copy of my conversation with customer service as evidence of my attempt to request SCRA protections. Additionally, as of today, my account has been frozen, and I want to ensure that no additional interest accrues since I am unable to pay off the remaining balance at this time. I also intend to close this account after this issue is resolved. 

I am formally requesting that Credit Fresh comply with SCRA requirements and reduce the interest rate on my loan, as required for debts incurred before my XXXX XXXX start date. Failure to do so would constitute a violation of my federally protected rights under SCRA. 

I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-02-27 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: MI

Complaint narrative:
Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX, XXXX XXXX XXXX and THE CONSUMER REPORTING AGENCIES letting them know I NEVER opened an account with these company and these accounts are not mine. I have been ignored by XXXX XXXX XXXX, XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file. Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable. Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus. Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit

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 2025-02-27 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> **Consumer Financial Protection Bureau** XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX **Federal Trade Commission** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Re : Complaint Regarding TransUnions Reporting Practices** Dear Sir/Madam, I am writing to formally lodge a complaint against Transunions concerning their reporting practices, which I believe are in violation of consumer protection regulations. TransUnion hasn't reported my XXXX XXXX  XXXX  Account for the month of XXXX of XXXX. 

Despite previous legal actions taken against XXXX for their unfair and deceptive credit reporting practices. Now I'm experiencing the same issues with transunion 's reporting. TransUnion has failed to accurately report my credit information, which has resulted in significant negative impacts on my creditworthiness and financial opportunities.

TransUnions negligence raises serious concerns about their compliance with fair credit reporting standards and undermines the protection that consumers are entitled to under the law. 

Given these circumstances, I urge both the CFPB and FTC to investigate Transunions practices and take appropriate action to ensure that they adhere to the regulations designed to protect consumers. It is crucial that TransUnion is held accountable for its actions and that consumers receive fair and accurate reporting they deserve. 

Thank you for your attention to this serious matter. I look forward to your prompt assistance in resolving these issues. 

Sincerely,

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 2025-02-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I had this car loan in 2014. The vehicle was paid off due to being given back and the debt being paid off after the vehicle was auctioned off. I called the company numerous times with no resolution and its affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Navy Federal Credit Union : Checking - {$170.00} I had a couple dispute, but I he to canceled the disputes because They closed my account while I was in the process of disputing it. 


XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I have sent three correspondences asking for proof of claim. The entity known as Southwest Recovy has ignored my request and has continued to report and damage my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 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:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections XXXX, XXXX ( f ) and XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 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 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 non-monetary relief
Consumer complaint received 2025-02-27 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: TX

Complaint narrative:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in 4 business days according to 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 explanation
Consumer complaint received 2025-02-27 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: NC

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2025-02-27 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Alternate Email : XXXX XX/XX/XXXX Complaint Number XXXX XXXX XXXX Equifax XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Denial of Credit Report and Inadequate Response Dear Equifax XXXXXXXX XXXX  , I am writing to formally dispute the handling of my complaint concerning my inability to receive my free annual credit report as provided under the Fair Credit Reporting Act ( FCRA ). My original complaint, filed on XX/XX/XXXX, specifically requested a copy of my credit report. Instead of addressing this request, your response dated XX/XX/XXXX, merely confirmed that my personal information ( such as my name, Social Security number, and date of birth ) is reported correctly. This response completely disregards the core issue and violates my consumer rights under federal law. 

By focusing solely on the accuracy of my personal data, you have not only dismissed the substance of my complaint but also failed to fulfill your statutory obligation to provide me with my credit report. I consider this a breach of the FCRA, which clearly mandates that consumers are entitled to XXXX free credit report from each credit reporting agency every year. 

In light of the foregoing, I respectfully request that Equifax take the following actions : XXXX. Immediately provide me with a complete, unredacted copy of my current credit report. 


XXXX. Offer a detailed explanation as to why my initial request for my credit report was ignored and why your response focused on information unrelated to my complaint. 


XXXX. Confirm the corrective measures you will implement to ensure full compliance with the FCRA and to prevent similar issues in the future. 



I expect a prompt response within XXXX business days from the date of this letter. Should I not receive a satisfactory resolution, I will have no alternative but to escalate this matter with the Consumer Financial Protection Bureau and pursue all available legal remedies to enforce my rights. 

Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Alternate Email : XXXX XX/XX/XXXX Complaint Number XXXX XXXX XXXX Equifax XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Denial of Credit Report and Inadequate Response Dear Equifax XXXXXXXX XXXX  , I am writing to formally dispute the handling of my complaint concerning my inability to receive my free annual credit report as provided under the Fair Credit Reporting Act ( FCRA ). My original complaint, filed on XX/XX/XXXX, specifically requested a copy of my credit report. Instead of addressing this request, your response dated XX/XX/XXXX, merely confirmed that my personal information ( such as my name, Social Security number, and date of birth ) is reported correctly. This response completely disregards the core issue and violates my consumer rights under federal law. 

By focusing solely on the accuracy of my personal data, you have not only dismissed the substance of my complaint but also failed to fulfill your statutory obligation to provide me with my credit report. I consider this a breach of the FCRA, which clearly mandates that consumers are entitled to XXXX free credit report from each credit reporting agency every year. 

In light of the foregoing, I respectfully request that Equifax take the following actions : XXXX. Immediately provide me with a complete, unredacted copy of my current credit report. 


XXXX. Offer a detailed explanation as to why my initial request for my credit report was ignored and why your response focused on information unrelated to my complaint. 


XXXX. Confirm the corrective measures you will implement to ensure full compliance with the FCRA and to prevent similar issues in the future. 



I expect a prompt response within XXXX business days from the date of this letter. Should I not receive a satisfactory resolution, I will have no alternative but to escalate this matter with the Consumer Financial Protection Bureau and pursue all available legal remedies to enforce my rights. 

Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief