vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-28 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: TX

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00}

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 2025-10-28 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: NJ

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 2025-10-28 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>, 2024 2024

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 2025-10-28 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my notarized Affidavit of Identity Theft as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report or affidavit by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. My credit report contains fraudulent HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, including my notarized Affidavit of Identity Theft and supporting identification documents. Copies have also been sent to your agency via Certified Mail. 
In addition, I request the immediate removal of the following fraudulent accounts from my credit report. 
HARD INQUIRIES : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX 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 2025-10-28 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:
Subject : Request for Correction of Inaccurate Payment History XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXXXXXX XXXX XXXX XXXX XXXX   Dear TransUnion, I am writing to formally dispute inaccurate historical late-payment reporting on my credit file. My XXXX XXXX XXXX XXXX account ( # XXXXXXXX XXXX XXXX XXXX XXXX ) is currently reporting as " Current '', which is correct. However, older entries continue to show multiple 30-, 60-, 90-, and 120-day late payments that are no longer valid or verifiable.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain records with the maximum possible accuracy. Continuing to show outdated or inaccurate late-payment data violates this standard. In addition, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires you to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any item.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
This account was fully paid, yet it continues to show late payments.

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to formally dispute the Discover Card account currently being reported under my name and Social Security number. This account reflects a charge-off status with a balance of {$9100.00}, but the account activity since XX/XX/XXXXXXXX  resulted from identity theft, not my actions.

In XXXX  XXXX, my Discover account was hacked and accessed without authorization. Fraudulent charges were made, and I immediately notified Discover after receiving the XX/XX/XXXXXXXX  billing statement. Despite my prompt notice and cooperation, Discover failed to conduct a proper investigation or remove the fraudulent transactions. Instead, Discover closed the account and reported it as a charge-off, which was not only premature but also improper under federal law. 

When I provided evidence and notified Discover of the fraudulent activity, the account was randomly closed and charged off as bad debt rather than being placed under a fraud review or resolution process. This action demonstrates a failure to investigate and a disregard for my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, I am invoking my rights under the following sections : 605B Requiring credit bureaus to block information resulting from identity theft within four business days after receiving proper documentation.

611 Mandating reinvestigation of disputed items and written notice of the results.

609 ( e ) Requiring the furnisher ( Discover ) to provide copies of all records related to fraudulent transactions to the victim.

623 Prohibiting furnishers from reporting information they know or have reason to believe is inaccurate.

Accordingly, I am formally requesting that Discover : Immediately cease reporting the disputed account and all associated derogatory data to credit reporting agencies.

Provide complete documentation of all transactions, communications, billing statements, and investigation notes regarding this account between XX/XX/XXXX and XX/XX/XXXX. 

Conduct a full reinvestigation into the fraudulent activity, in compliance with 611, and provide a written explanation of the findings.

Remove the charge-off and all negative remarks from any reports furnished to the credit bureaus.

Confirm in writing that I will not be blacklisted or restricted from future Discover products or services, as this situation resulted from verified identity theftnot misuse or negligence on my part.

I have included copies of supporting documentation to substantiate my claim, including identification, proof of address, and prior correspondence regarding the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MS

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-28 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: SC

Complaint narrative:
Subject : Formal Investigation Request Under FCRA 602 ( A ), 607 ( B ), 611, 623 ( A ), and GLBA Dear Equifax XXXX Department, This letter serves as a formal demand for reinvestigation of multiple inaccurate, incomplete, and non-verifiable accounts appearing on my Equifax credit file. The items below violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro-2 Compliance Standards. They also raise serious data-privacy and breach concerns under the Gramm-Leach-Bliley Act ( GLBA ) and FCRA 605A ( c ). 
Disputed Accounts and Violations 1.XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
oReported with conflicting delinquency history ( 17 90-day lates ) withoutverification. 
oViolations : FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) ; Metro-2 duplicate reporting ; failure toverify. 
2.National XXXX XXXX XXXX XXXX XXXX XXXX 
oSimultaneous open and closed status ; unverifiable lease debt. 
oViolations : FCRA 607 ( b ), FDCPA 809 ( a ) ; inaccurate and incomplete reporting. 
3XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX collection with no signed HIPAA authorization XXXX improper data sharing. 
oViolations : FCRA 604, GLBA 502 ( b ) ; privacy breach risk. 
4.XXXX XXXX XXXX XXXX oMisaligned late-payment reporting ; inconsistent data among bureaus. 
oViolations : FCRA 607 ( b ) ; Metro-2 status code error ; incomplete reporting. 
5. Dept. of Education / XXXX ( 10 student-loan tradelines ) o Reported late during federal forbearance ; illegal under CARES Act 3513.

o Violations : FCRA 623 ( a ) ( 1 ) ( A ), 611 ; Metro-2 misclassification ( Late 120+ Days ). 
6. XXXX XXXX XXXX XXXX XXXX o Unauthorized collection entry ; no contract or permissible purpose. 
o Violations : FDCPA 807 ( 8 ) ; FCRA 604 ; false representation of debt. 
7. XXXX XXXX Bank Account # XXXXXXXX XXXX XXXX XXXX XXXX o Duplicate charge-off under XXXX XXXX ; outdated and redundant. 
o Violations : FCRA 605 ( a ) ; GLBA 502 ; unverified data sharing. 
8. XXXX XXXX Bank o Inaccurate 90-day lates count ; status inconsistent with account closure. 
o Violations : FCRA 607 ( b ) ; Metro-2 reporting error ; failure to maintain accuracy. 
9. XXXX XXXX XXXX o Account paid and closed yet coded Negative. 
o Violations : FCRA 623 ( b ) ; Metro-2 date-of-first-delinquency omission. 
10. XXXX XXXX/ Lead Bank o Reported Negative despite XXXX balance and good standing. 
o Violations : FCRA 607 ( b ) ; GLBA 502 ; misreporting consumer data. 
Data-Breach and Privacy Notice Given these systemic inaccuracies and conflicting data, I demand written disclosure of any internal or third-party data breach involving my personally identifiable information ( PII ) pursuant to 15 U.S.C. 6801-6809 and FCRA 605A ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
This loan was taken without my consent or knowledge. This was done in XXXX, I have never lived in this state or have ever gone to get a car loan. XXXX has sent me the XXXX Motor Vehicle Retail Installment Sales Contract. I also asked for copy of the license that was provided at the moment of purchase and was told that could not be provided. I am also providing a copy of the police report I did. This loan was for {$27000.00}, I was not monitoring my credit until this year and that is why I am only now doing this process. On this loan it has a different last name than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: Opportunity Financial, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX I am a Pennsylvania resident I took a line of credit out for {$2900.00} approximately 4 weeks ago to pay for an emergency car repair. When I took out the loan it was on the phone and that is how I signed my forms. I go on to my credit report and it states that the interest rate on a {$2900.00} loan is $ XXXX  % APR which I believe is a legal in Pennsylvania. My payments are {$530.00} a month for 9 months. From what I understand this interest rate violates Pennsylvania 's loan interest and protection law maximum 6 % and the consumer discount company act maximum 24 % I am in requesting an investigation into uploads and any steps that I can take to stop illegal interest collection or recover overpayments thank you XXXX XXXX XXXX my email address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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