vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: MO

Complaint narrative:
I initially disputed the XXXX ( XXXXXXXX XXXX XXXX. ) tradeline in early XXXX XXXX. Under FCRA, the credit bureaus have 30 days to complete an investigation, with an additional 15 days only if the furnisher provides new information. 

Over six months have now passed. 

TransUnion, Equifax, and Experian have repeatedly responded by sending me my own internal credit report instead of providing actual verification, investigation documentation, or any proof that the furnisher validated the account. That is not an investigation under FCRA standards. 

In addition Experian attempted to re-categorize this as an identity theft matter, which is not accurate, and TransUnion updated the tradeline status as a charge-off without legal validation from the furnisher. 

The original furnisher ( XXXX ) has never properly validated this debt. I have sent certified mail to them directly. Their third-party processor sent incorrect account information that did not match my account, and the furnisher never corrected or validated the data. 

This means the bureaus are continuing to report a tradeline that is not legally verified, well beyond the 30+15 day statutory timeframe.

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 2025-11-03 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: SC

Complaint narrative:
I am writing to formally dispute the following accounts reported on my credit report. I request that you review each of these items for accuracy, and if they can not be verified, I ask that they be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). The details of the disputed accounts are as follows : Inquiries : XXXX Date : XXXX  Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am a verified victim of XXXX XXXX XXXX XXXX, and identity theft. I am submitting this complaint under federal law 15 USC 1681c-3 ( FCRA 605C ) and 15 USC 1681c-2 ( FCRA 605B ). I have provided my Certified Victim Determination, proof of identity, SSN, and proof of current address. Under these laws, TransUnion is required to block and permanently remove any information that resulted from XXXX or identity misuse. 

The following information appearing on my TransUnion credit report was created under coercion and does not belong to me and must be removed : Address to delete : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Accounts to block and permanently delete : XXXX XXXX XXXX account ending XXXX balance XXXX XXXX XXXX XXXX account ending XXXX balance XXXX XXXX XXXX XXXX account ending XXXX balance XXXX XXXX XXXX XXXX account ending XXXX balance XXXX Hard inquiry to remove : XXXX XXXX XXXX via XXXX XXXX XXXX dated XXXX XXXX XXXX  This information was created through XXXX-related coercion and identity theft, and is prohibited from being reported under FCRA 605C and FCRA 605B. These items must be blocked and permanently removed. I request written confirmation once completed and a guarantee that these items will not be reinserted.

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 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: NJ

Complaint narrative:
Residing in the state of New Jersey, did not know this was legal. 

Payday loans range in size from {$100.00} to {$1000.00}, depending on state legal maximums. The average loan term is about two weeks. Loans typically cost 400 % annual interest ( APR ) or more. The finance charge ranges from {$15.00} to {$30.00} to borrow {$100.00}. For two-week loans, these finance charges result in interest rates from 390 to 780 % APR. Shorter term loans have even higher APRs. Rates are higher in states that do not cap the maximum cost.

These APR are OUTRAGEOUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am disputing the following inquiry on my TransUnion credit report. I believe it was not authorized or is otherwise inaccurately reported : XXXX XXXX XXXXXXXX Date of Inquiry XXXX XXXXXX/XX/year>

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 2025-11-03 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: NV

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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: OK

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am writing to formally dispute the following accounts reported on my credit report. I request that you review each of these items for accuracy, and if they can not be verified, I ask that they be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). The details of the disputed accounts are as follows : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal complaint against Experian for failure to comply with its legal duties under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian has failed to complete a lawful reinvestigation within the 30-day statutory window after receiving my dispute. Despite submitting my disputes in a timely manner, Experian continued to report inaccurate and derogatory information. This represents a direct and ongoing violation of federal law. 

I am demanding immediate removal or verified correction of the accounts listed below and a written statement of compliance. Experians delay and failure to properly investigate constitute willful negligence and harm my credit standing and financial reputation. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I disputed the three accounts listed above with Experian. More than 30 days have passed since my disputes were received, and Experian has failed to provide a lawful reinvestigation or proof verifying these items accuracy. Instead, the same inaccurate and derogatory accounts remain listed as Collection/Charge-off, In dispute, or Legally paid for less than full balance. 

Experians failure to investigate and correct these inaccuracies violates both the letter and intent of the FCRA. The agency has not only failed to comply with 15 U.S.C. 1681i, but also failed to maintain reasonable procedures to ensure maximum possible accuracy as required under 1681e ( b ).

This unlawful delay and inaccurate reporting have caused tangible harm including credit denials, higher rates, and reputational damage. Experians negligence and refusal to follow statutory timelines can not be ignored.

Experians continued reporting and failure to investigate within the 30-day timeframe are clear violations of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information within the required 30 days.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, subject to statutory and actual damages.

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 2025-11-03 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: FL

Complaint narrative:
I am writing to formally dispute several inaccuracies and incomplete information that have been reported on my credit report. These errors may negatively impact my creditworthiness, and I am requesting a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). If these items can not be properly verified, I respectfully request that they be removed from my credit report. 


Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} Discrepancy : The reported balance and charge-off status are inaccurate. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Discrepancy : The account is incorrectly marked as charged off, and the balance is inconsistent with my records. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : The account is reported inaccurately as a charged-off account. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$79.00} Discrepancy : Incorrect charge-off status and reported balance.

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 2025-11-03 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: CT

Complaint narrative:
I am disputing the following items on my Equifax credit report for verification and correction : Inquiries No inquiries in dispute.

Positive Items No positive items to report. 

Late Payments XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account ending in XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-03 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: WA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report that appear inaccurate, outdated, or unverifiable. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXX XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX Account XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries None listed for TransUnion. 

Late Payment Reporting XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX I request verification of all disputed items and removal of any inaccurate or unverifiable entries.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-03 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: WA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2025-11-03 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: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Steel Lending Group LLC
State: NV

Complaint narrative:
I leased a XXXX XXXX XXXX from [ Dealer Name ] on XX/XX/XXXX. The vehicle immediately had mechanical issues, which the dealer refused to address. I later discovered the dealer entered an incorrect Social Security number on my lease and loan documents. Despite this, the lender approved and financed the lease. I requested written confirmation that correcting the SSN would not cancel or waive my dispute, a copy of the original lease including the incorrect SSN, and a loan adjustment or reduction. The dealer has not responded to any communications, and the lender refused to provide any information or make adjustments, leaving the dispute unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief