vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request the permanent removal of adverse information from my credit file pursuant to Section 605C of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-3, which provides specific protections for survivors of XXXX XXXX Under this provision, consumer reporting agencies are required by law to block and delete any negative information that resulted from trafficking-related exploitation. 
The account listed below was established during a period when I was a victim of XXXX XXXX  and coercive control, and it does not accurately reflect debt I willingly incurred or authorized. 
Account to Be Removed : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$320.00} In addition to protections under FCRA 605C, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits the reporting or collection of debts that are not valid or that arise from coercion, fraud, or exploitation. Therefore, this item qualifies for immediate removal. 
I am including the required supporting materials, including a copy of my government-issued identification, proof of my current address, and documentation confirming my status as a survivor of XXXX XXXX 
I respectfully request that TransUnion block and delete this account permanently, provide me with written confirmation of the removal, and send me an updated copy of my credit report reflecting these changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I recently review a copy of my credit report and noticed i have a fraudulent account that doesnt belong to me, please remove the account from my report, its financially hurting me, my family and our ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I sent the payment in the amount of {$200.00} to a local woman who is supposed to do child pickup and cleaning duties 3 days a week at my house. The woman never showed up for her first day change her phone number and has received but doesn't even open much less read any of the messages I have sent her via messages or PayPal. I sent the money through a XXXX code that she sent me that went through PayPal. PayPal immediately denied me and refused to help me because apparently the payment was sent via " friends and family '' and not " goods or services '' and friends and family is not covered under buyer protection so they told me to contact my cards issuer, XXXX and do a chargeback. I contacted XXXX XX/XX/XXXX and filed a dispute the man asked me a couple questions and immediately got back on the phone and said my dispute was denied because " XXXX is not responsible for items not received or services not performed '' and hung up on me. I called back XX/XX/XXXX and they couldn't find any dispute so I refiled and the same thing was said so I requested a copy of the denial they filed and a copy of the denial be emailed to me and was told they can't send such documentation. So I call back today, XXXX XXXX  and ask again for a copy of the dispute and denial and a final denial letter and was informed again there was no dispute on file so again I told them what happened and said I wanted to file an actual dispute and get anything from my prior attempts to which I was told they can't provide any documentation and to contact the merchant. PayPal will not even hear me out and I've been a customer who has personally dealt with the same issue but on the other side and they accepted their complaint and froze my funds and issued a refund no problem. They're running me in circles and I don't understand why nobody will help a newly single mother trying to make a way for her children and got scammed and are rewarding the villain and punishing the victim but this is insanely unfair and there's got to be a way to get my money back, nothing is permenant, I just don't know why nobody will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
CFPB Complaint Description I am filing a formal identity theft and credit reporting dispute regarding fraudulent accounts listed on my credit report. Several accounts were opened without my knowledge or authorization, and they are negatively impacting my credit history. 
5 The following fraudulent accounts were identified : XXXX / XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$11000.00} I have never lived at any address other than my current residence : The fraudulent accounts are linked to unknown addresses and should not be associated with my profile. 

Additionally, there are inaccuracies related to active accounts : XXXX XXXX XXXX shows a late payment of {$240.00} dated XX/XX/2025, which I believe is an error. 
XXXX XXXX XXXX also shows a late payment of {$15.00} on XX/XX/2025, which does not reflect my actual payment history. 
I have submitted an Identity Theft Report with the FTC and am attaching supporting documents,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
I am filing a formal dispute regarding outdated and inaccurate personal information being reported by one or more consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ).

After reviewing my credit report, I discovered that it contains incorrect and obsolete personal information, including former names, outdated addresses, and/or employers that are no longer accurate or verifiable. This information does not match my current government-issued identification or proof of residence, and therefore should be permanently removed. 

In addition to the removal of outdated and inaccurate personal information, I am requesting full disclosure of the investigation process conducted in response to this dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) of the Fair Credit Reporting Act.

Specifically, I am requesting the following : The method and scope of the reinvestigation conducted ; The exact dates the investigation was initiated and completed ; The name, address, and contact information of each party or data furnisher you communicated with to verify the disputed information ; A summary of the results, including what documentation was used to verify or continue reporting the disputed information, if applicable. 

If the information can not be verified, it must be deleted in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to provide this information may constitute noncompliance with the FCRA, and I reserve the right to file additional complaints and seek damages under 1681n and 1681o, including {$1000.00} per violation and any actual damages sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander has demonstrated ongoing negligence in handling my auto loan account, resulting in financial harm and confusion. 

Despite providing accurate info, Santander has my Social Security number and date of birth listed incorrectly, preventing me from accessing my online account or viewing my invoices. I have attempted to fix this multiple times and have been unable to log in for months. This has made it impossible to verify how payments are applied or to monitor charges and interest. 

For nearly two years, I believed my payment due date was the XXXX of each month, which is when I consistently paid. However, Santander is now claiming my due date was always the XXXX, and that Ive been late for yearssomething I was never once notified about. Unlike every other bill I pay, Santander never provided a clear payment schedule or due date confirmation, only sending vague automated reminders late in the month, often after the alleged due date had already passed. 

Ive paid approximately {$18000.00} toward the vehicle, but my principal has barely moved. I was shocked to find I still owe over {$30000.00} on a car that originally cost around {$40000.00}, even after nearly two years of payments totaling over {$7500.00} in interest alone. I understand loans accrue interest, but these numbers far exceed what I would expect from a loan advertised at a 12 % rateespecially when Ive never intentionally missed a payment. 

When I raised these concerns, representatives were unhelpful, and in two cases, hung up on me mid-call. I was told a contract confirms all the terms, but I never received regular account statements, corrected login access, or proper explanations of how payments were being applied ( e.g., principal vs. interest vs. fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : 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 2025-07-02 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: IL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX Date : 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
discovered that XXXXXXXX XXXX XXXX. was reporting a credit card account ( Account Number : XXXX ) on my Experian  credit report with a status of Closed. {$520.00} written off. I disputed this account because it contains inaccurate and unverifiable information. 

Experian responded to my dispute by marking the account as updated in XX/XX/year>. However, the derogatory status remains on my credit report, and Experian has failed to provide any documentation or method of verification to substantiate the accuracy of the negative reporting. 

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) of the Fair Credit Reporting Act, Experian is required to delete information that can not be verified after a reinvestigation. Since the information regarding this account remains unverifiable and inaccurate, I am requesting the immediate deletion of this account from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: VA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief