vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
This account is constantly being open to charge me legally and have my credit score diminished. TransUnion refuses to remove and update things that do not legally belong on my credit report. 


I CALLED XXXX TODAY AND THEY STATED THIS IS NOT CORRECT AND THAT THEDE ACCOUNTS ARE NOT OOSN AND ALSO CLOSED I cant get a car or any other loan because they allow old issues to re open. 

I am submitting this formal complaint regarding false and inaccurate information being reported on my credit file by TransUnion. 

Despite my efforts to resolve this matter directly with TransUnion, the inaccurate information remains on my credit report. The details are as follows : Credit Bureau : TransUnion Inaccurate Account Information : [ Briefly describe e.g., an account that is marked open but was closed, an account that doesnt belong to you, wrong payment history, etc. ] XXXX XXXX AND XXXX CONSTANT MONTHS I have previously contacted TransUnion in writing to dispute this information, but the bureau has failed to properly investigate or correct the error. This false reporting is negatively affecting my credit standing and causing unnecessary hardship. 

I respectfully request the CFPB to investigate this matter and ensure that TransUnion : 1. Conducts a proper reinvestigation of the disputed account ( s ), 2. Removes or corrects the inaccurate information as required by the Fair Credit Reporting Act ( FCRA ), and 3. Provides a written confirmation of the resolution. 

Enclosed are copies of my correspondence with TransUnion and a recent copy of my credit report showing the false information. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
This account is constantly being open to charge me legally and have my credit score diminished. XXXX  refuses to remove and update things that do not legally belong on my credit report. 


I CALLED XXXX TODAY AND THEY STATED THIS IS NOT CORRECT AND THAT THEDE ACCOUNTS ARE NOT XXXX AND ALSO CLOSED I cant get a car or any other loan because they allow old issues to re open. 

I am submitting this formal complaint regarding false and inaccurate information being reported on my credit file by XXXX 

Despite my efforts to resolve this matter directly with XXXX, the inaccurate information remains on my credit report. The details are as follows : Credit Bureau : XXXX Inaccurate Account Information : [ Briefly describe e.g., an account that is marked open but was closed, an account that doesnt belong to you, wrong payment history, etc. ] XXXX XXXX AND XXXX CONSTANT MONTHS I have previously contacted XXXX  in writing to dispute this information, but the bureau has failed to properly investigate or correct the error. This false reporting is negatively affecting my credit standing and causing unnecessary hardship. 

I respectfully request the CFPB to investigate this matter and ensure that XXXX : 1. Conducts a proper reinvestigation of the disputed account ( s ), 2. Removes or corrects the inaccurate information as required by the Fair Credit Reporting Act ( FCRA ), and 3. Provides a written confirmation of the resolution.

Enclosed are copies of my correspondence with XXXX and a recent copy of my credit report showing the false information.

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-05-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 checked out my credit profile and realized there was some hard inquiries that are not mine.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
Spring Oaks Capitol Allegedly say I owe XXXX on a debt that I have no knowledge about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I rented a vehicle from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, Texas for the period of XX/XX/XXXX to XXXX XXXX, 2025 ( Rental Number : XXXX ). 

Upon returning the vehicle, I noticed a crack in the windshield and immediately informed the XXXX agent at the return location. I explained that the damage was already present when I received the vehicle and that I did not cause it. The XXXX staff member did not raise any concerns, nor was I told I would be held liable. I completed the return process and left the airport. 

On XXXX XXXX 2025, I received a letter from XXXX stating that I was responsible for the windshield damage and owed {$600.00}. The letter did not provide any option to formally dispute the charges. I immediately contacted XXXX via email to dispute the claim and explained that I had already reported the damage upon return. 

XXXX responded that they would investigate the matter further and contact their Operations Manager. However, instead of providing a resolution or completing the investigation, XXXX charged my credit card without my consent. Since then, I have received no communication from them. 

I have filed a dispute with my credit card provider, but the charge is still present, and I am concerned that it may not be reversed despite the facts. I am requesting that the CFPB assist in this matter to ensure fair handling of the dispute and prevent unfair billing practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
This debt does not belong to me. I do not owe this debt. This company is trying to collect a debt that I do not owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: OK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paramount GR Holdings, LLC
State: IN

Complaint narrative:
On XX/XX/year>, we contacted XXXX XXXX XXXX XXXX XXXX XXXX ) for HVAC service. A technician diagnosed a bad compressor in our XXXX heat pump system and suggested replacement. A salesperson, XXXX XXXX, visited the same day and presented expensive replacement options with financing through GoodLeap. 

My wife, XXXX XXXX, was initially denied financing. XXXX XXXX then ran a credit check on me, XXXX XXXX. I explicitly stated I have had XXXX income for XXXX years. Surprisingly, XXXX XXXX stated I was approved. We completed XXXX agreements provided by GoodLeap. The HVAC system was installed on XX/XX/year>. 

On XX/XX/year>, XXXX received an Adverse Action Notice from GoodLeap denying her application due to " Debt Too High. '' We became concerned about the basis of my approval given my lack of income and my wife 's denial. 

We repeatedly requested a copy of the loan application from XXXX XXXX XXXX XXXX  and then directly from GoodLeap ( via email to XXXX, XXXX, and XXXX, starting on XX/XX/year> ). GoodLeap has repeatedly failed to provide the loan application, instead sending the contract and claiming the application " is not a document '' or directing us back to XXXX XXXX XXXX XXXX 

We suspect the salesperson from XXXX XXXX XXXX XXXX  misrepresented my financial information on the loan application to secure an approval and complete the sale. GoodLeap 's refusal to provide the loan application prevents us from verifying this. We are concerned about being held liable for a {$17000.00} loan under potentially fraudulent circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Since requesting a withdrawal of {$110000.00} from Santander Bank, I have been subjected to ongoing mistreatment and intimidation by bank staff. Upon my initial request, instead of processing the transaction professionally, the bank representatives immediately accused me of being involved in a scam and stealing the money. They raised their voices, spoke to me in a hostile manner, and made unfounded accusations without providing any evidence or explanation. 

Despite having {$110000.00} in the account, they refused to release the requested funds. Each time I visited the bank to resolve the matter, I was treated with suspicion and disrespect. On several occasions, bank employees would surround me, question me aggressively, and usher me into a private room under the guise of discussing my account. This treatment has been ongoing for months, causing me extreme stress and frustration. 

The bank also claimed that a check I sent to a friend was altered, implying fraudulent activity. However, the checks were not altered in any way, and their accusations are baseless and unfounded. I requested specific information about why the checks were flagged, but instead of receiving a clear explanation, I was met with further hostility and insinuations of wrongdoing. 

Furthermore, the bank staff have repeatedly told me to come in and withdraw my funds, only to deny me access to my money once I arrive. This pattern of contradictory instructions has left me feeling trapped and powerless. 

Despite consulting with my lawyers and attempting to resolve the matter directly with the bank, they continue to obstruct my access to my own money, including my Social Security payments, which have been wrongfully withheld. This has been a persistent issue for months, and I am now left with no choice but to consider legal action to recover my funds and hold the bank accountable for their abusive treatment and unjustified accusations.they send strangers to my home to question me search my phone an next day they show up the the state troopers an argue with me a left am not crazy

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report an account that was supposed to be deleted and is no longer being reported by either XXXX XXXX XXXX 

In XX/XX/scrub>XXXX XXXX a deletion request was submitted by XXXXXXXX XXXX, the servicer of the account originally associated with XXXX XXXX XXXX XXXX .. As stated in the companys formal response to my prior dispute, they submitted deletion requests to all three credit bureaus, including TransUnion XXXX as part of closing their entire portfolio. They further confirmed that the account was never reported to the bureaus under their subscriber code due to limitations during the servicing transition. The deletion request was honored by XXXX XXXX XXXX however, TransUnion has failed to comply, and continues to report this account on my credit file. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable reinvestigations and delete or correct inaccurate or unverified information. It has been confirmed by the data furnisher that the account should have been removed, and that no balance is owed. The failure of TransUnion to delete this account, despite the explicit deletion request submitted by the furnisher months ago, is both negligent and harmful to me as a consumer. 

I am requesting immediate removal of this account from my TransUnion credit report, as it is inaccurate, outdated, and has already been deleted by the other two major bureaus. Continued reporting constitutes willful noncompliance with the FCRA and a violation of my consumer rights.

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 2025-05-14 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: MO

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief