date_received string | product string | sub_product string | issue string | sub_issue string | consumer_narrative string | company_public_response string | company string | state string | zip_code float64 | tags null | consumer_consent string | submitted_via string | date_sent_to_company string | company_response string | timely_response int64 | consumer_disputed null | complaint_id int64 | year int64 | month int64 | has_narrative int64 | product_normalised string |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2023-08-28 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53,143 | null | Consent not provided | Web | 2023-08-28 | Closed with non-monetary relief | 1 | null | 7,463,130 | 2,023 | 8 | 0 | Credit reporting or other personal consumer reports |
2025-03-06 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 8,046 | null | Consent provided | Web | 2025-03-06 | Closed with non-monetary relief | 1 | null | 12,351,479 | 2,025 | 3 | 1 | Credit reporting or other personal consumer reports |
2020-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | NC | 28,277 | null | Consent not provided | Web | 2020-04-08 | Closed with explanation | 1 | null | 3,598,008 | 2,020 | 4 | 0 | Credit reporting / repair |
2025-04-25 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | SC | 29,680 | null | Consent not provided | Web | 2025-04-25 | Closed with non-monetary relief | 1 | null | 13,183,092 | 2,025 | 4 | 0 | Credit reporting or other personal consumer reports |
2018-05-16 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | JH Portfolio Debt Equities, LLC | FL | 33,901 | null | null | Postal mail | 2018-05-16 | Closed with explanation | 1 | null | 2,909,081 | 2,018 | 5 | 0 | Debt collection |
2026-02-08 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | null | null | Experian Information Solutions Inc. | IL | 60,061 | null | null | Web | 2026-02-08 | In progress | 1 | null | 19,338,996 | 2,026 | 2 | 0 | Credit reporting or other personal consumer reports |
2021-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is the term credit card means any card, plate, coupon, book or other credits device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction.
I, XXXX XXXX, never granted XXXX, XXXX, or XXXX written authorization or permission to furnish harmful and inaccurate information on my credit report. | null | CAPITAL ONE FINANCIAL CORPORATION | IL | 60,419 | null | Consent provided | Web | 2021-10-26 | Closed with explanation | 1 | null | 4,847,443 | 2,021 | 10 | 1 | Credit reporting / repair |
2024-10-15 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 1,844 | null | Consent provided | Web | 2024-10-15 | Closed with non-monetary relief | 1 | null | 10,459,530 | 2,024 | 10 | 1 | Credit reporting or other personal consumer reports |
2015-09-22 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | null | Santander Consumer USA Holdings Inc. | TX | 75,644 | null | null | Referral | 2015-09-24 | Closed with explanation | 1 | null | 1,573,772 | 2,015 | 9 | 0 | Consumer Loan |
2026-02-24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38,141 | null | null | Web | 2026-02-24 | Closed with non-monetary relief | 1 | null | 19,723,494 | 2,026 | 2 | 0 | Credit reporting or other personal consumer reports |
2025-12-02 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OR | 97,007 | null | null | Web | 2025-12-02 | Closed with explanation | 1 | null | 17,656,186 | 2,025 | 12 | 0 | Credit reporting or other personal consumer reports |
2025-09-02 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PR | 783 | null | Consent not provided | Web | 2025-09-02 | Closed with explanation | 1 | null | 15,659,248 | 2,025 | 9 | 0 | Credit reporting or other personal consumer reports |
2025-02-17 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91,752 | null | Consent not provided | Web | 2025-02-24 | Closed with explanation | 1 | null | 12,111,044 | 2,025 | 2 | 0 | Credit reporting or other personal consumer reports |
2017-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30,288 | null | null | Postal mail | 2017-11-15 | Closed with explanation | 1 | null | 2,730,328 | 2,017 | 11 | 0 | Credit reporting / repair |
2025-09-26 | Debt collection | Other debt | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | 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 has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77,373 | null | Consent provided | Web | 2025-09-26 | Closed with explanation | 1 | null | 16,194,215 | 2,025 | 9 | 1 | Debt collection |
2018-02-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 49,512 | null | Consent not provided | Web | 2018-02-14 | Closed with explanation | 1 | null | 2,814,187 | 2,018 | 2 | 0 | Credit reporting / repair |
2024-05-11 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you verify this? Several listed accounts are inaccurate in terms of reporting, including incorrect amounts and dates. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33,068 | null | Consent provided | Web | 2024-05-11 | Closed with explanation | 1 | null | 8,976,790 | 2,024 | 5 | 1 | Credit reporting or other personal consumer reports |
2026-02-21 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33,319 | null | Consent not provided | Web | 2026-02-21 | Closed with non-monetary relief | 1 | null | 19,679,495 | 2,026 | 2 | 0 | Credit reporting or other personal consumer reports |
2020-02-29 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PlusFour, Inc | NV | 89,123 | null | Consent provided | Web | 2020-02-29 | Closed with explanation | 1 | null | 3,549,369 | 2,020 | 2 | 1 | Debt collection |
2024-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28,213 | null | Consent not provided | Web | 2024-11-02 | Closed with non-monetary relief | 1 | null | 10,651,928 | 2,024 | 11 | 0 | Credit reporting or other personal consumer reports |
2024-11-27 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | null | null | Consent provided | Web | 2024-11-27 | Closed with non-monetary relief | 1 | null | 10,944,855 | 2,024 | 11 | 1 | Credit reporting or other personal consumer reports |
2025-10-30 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11,566 | null | Consent not provided | Web | 2025-10-30 | Closed with non-monetary relief | 1 | null | 16,936,251 | 2,025 | 10 | 0 | Credit reporting or other personal consumer reports |
2022-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | null | EQUIFAX, INC. | NY | 10,475 | null | Consent not provided | Web | 2022-08-05 | Closed with explanation | 1 | null | 5,847,992 | 2,022 | 8 | 0 | Credit reporting / repair |
2025-07-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | EQUIFAX, INC. | NY | 11,701 | null | Consent not provided | Web | 2025-07-21 | Closed with explanation | 1 | null | 14,775,277 | 2,025 | 7 | 0 | Credit reporting or other personal consumer reports |
2021-04-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I sent out letters to Equifax in regards to inaccurate account information and the accounts Metro 2 compliance fields. The investigation was only supposed to last 30 days since no additional information was provided. It's been over 60 days and the investigation is still going on. When I called, they started I would get results, and to date, I haven't received anything and it's still active. | null | EQUIFAX, INC. | MO | null | null | Consent provided | Web | 2021-04-05 | Closed with explanation | 1 | null | 4,273,346 | 2,021 | 4 | 1 | Credit reporting / repair |
2025-06-05 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85,301 | null | Consent not provided | Web | 2025-06-05 | Closed with non-monetary relief | 1 | null | 13,904,752 | 2,025 | 6 | 0 | Debt collection |
2025-03-06 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | Your Account Dispute has been updated.
The incorrect account with XXXX XXXX XXXX starts with XXXX has not been changed and will remain on your credit report.
Source : Experian Date Submitted : XX/XX/year> Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX This account was added back after it has been proven paid in full, they removed it as a collection account But same day added it to my credit profile as an account with a debt owed | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 35,806 | null | Consent provided | Web | 2025-03-06 | Closed with explanation | 1 | null | 12,339,272 | 2,025 | 3 | 1 | Debt collection |
2021-11-22 | Debt collection | I do not know | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | Portfolio Recovery Associates Inc unlawfully accessed my credit report, specifically XXXX, on XX/XX/21 without giving notification or receiving consent. I do not have a relationship with Portfolio Recovery Associates and never have. Accessing my credit or personal data is unlawful without consent and purpose under 15 USC and Consumer Law.
My personal data has since been breached and I have been a victim of identity theft through bad debit purchases. A complaint with the FTC has also been filed. | null | Portfolio Recovery Associates, LLC | NJ | null | null | Consent provided | Web | 2021-11-22 | Closed with explanation | 1 | null | 4,935,585 | 2,021 | 11 | 1 | Debt collection |
2026-02-17 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 78,210 | null | Consent not provided | Web | 2026-02-17 | Closed with non-monetary relief | 1 | null | 19,572,373 | 2,026 | 2 | 0 | Debt collection |
2024-11-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | CA | 92,691 | null | Consent not provided | Web | 2024-11-20 | Closed with non-monetary relief | 1 | null | 10,875,074 | 2,024 | 11 | 0 | Credit reporting or other personal consumer reports |
2025-08-14 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 39,206 | null | Consent not provided | Web | 2025-08-14 | Closed with explanation | 1 | null | 15,298,348 | 2,025 | 8 | 0 | Credit reporting or other personal consumer reports |
2025-03-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | EQUIFAX, INC. | FL | 34,210 | null | Consent not provided | Web | 2025-03-23 | Closed with non-monetary relief | 1 | null | 12,661,756 | 2,025 | 3 | 0 | Credit reporting or other personal consumer reports |
2024-11-13 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33,025 | null | Consent not provided | Web | 2024-11-13 | Closed with explanation | 1 | null | 10,787,702 | 2,024 | 11 | 0 | Credit reporting or other personal consumer reports |
2025-07-13 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | NC | 27,360 | null | Consent not provided | Web | 2025-07-13 | Closed with non-monetary relief | 1 | null | 14,624,015 | 2,025 | 7 | 0 | Credit reporting or other personal consumer reports |
2022-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 21,015 | null | Consent not provided | Web | 2022-06-17 | Closed with non-monetary relief | 1 | null | 5,680,630 | 2,022 | 6 | 0 | Credit reporting / repair |
2024-10-31 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | null | Experian Information Solutions Inc. | CA | 90,292 | null | Consent not provided | Web | 2024-10-31 | Closed with explanation | 1 | null | 10,642,724 | 2,024 | 10 | 0 | Credit reporting or other personal consumer reports |
2022-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To whom it may concern I have not been checking my credit. Recently as an account with your name addresses a different Social Security numbers. The following are fraud accounts name addresses thats on my credit report. Accounts : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : 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 XXXXXXXX Phone numbers : XXXX | null | EQUIFAX, INC. | SC | 29,488 | null | Consent provided | Web | 2022-08-09 | Closed with explanation | 1 | null | 5,857,140 | 2,022 | 8 | 1 | Credit reporting / repair |
2025-09-25 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | null | null | EQUIFAX, INC. | FL | 32,824 | null | Consent not provided | Web | 2025-09-25 | Closed with non-monetary relief | 1 | null | 16,175,603 | 2,025 | 9 | 0 | Credit reporting or other personal consumer reports |
2025-05-09 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | null | null | EQUIFAX, INC. | GA | 30,253 | null | Consent not provided | Web | 2025-05-09 | Closed with non-monetary relief | 1 | null | 13,430,998 | 2,025 | 5 | 0 | Credit reporting or other personal consumer reports |
2025-06-12 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 31,404 | null | Consent not provided | Web | 2025-06-12 | Closed with non-monetary relief | 1 | null | 14,053,278 | 2,025 | 6 | 0 | Credit reporting or other personal consumer reports |
2021-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously | null | EQUIFAX, INC. | PA | 19,141 | null | Consent provided | Web | 2021-05-22 | Closed with explanation | 1 | null | 4,399,176 | 2,021 | 5 | 1 | Credit reporting / repair |
2024-03-07 | Mortgage | Conventional home mortgage | Struggling to pay mortgage | Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu | null | null | Synovus Bank | FL | 33,771 | null | Consent not provided | Web | 2024-03-07 | Closed with explanation | 1 | null | 8,495,408 | 2,024 | 3 | 0 | Mortgage |
2025-11-17 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | IL | 60,487 | null | Consent not provided | Web | 2025-11-17 | Closed with non-monetary relief | 1 | null | 17,305,809 | 2,025 | 11 | 0 | Credit reporting or other personal consumer reports |
2022-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | 72,209 | null | Consent not provided | Web | 2022-07-19 | Closed with explanation | 1 | null | 5,786,912 | 2,022 | 7 | 0 | Credit reporting / repair |
2015-01-08 | Debt collection | Credit card | Communication tactics | Frequent or repeated calls | null | null | Gatestone & Co. International Inc. | NY | 10,706 | null | null | Web | 2015-01-08 | Closed with explanation | 1 | null | 1,186,360 | 2,015 | 1 | 0 | Debt collection |
2022-01-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | CA | 95,758 | null | Consent not provided | Web | 2022-01-18 | Closed with explanation | 1 | null | 5,119,446 | 2,022 | 1 | 0 | Credit reporting / repair |
2024-01-27 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33,010 | null | Consent not provided | Web | 2024-01-27 | Closed with non-monetary relief | 1 | null | 8,235,139 | 2,024 | 1 | 0 | Credit reporting or other personal consumer reports |
2025-12-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | SC | 29,611 | null | Consent not provided | Web | 2025-12-23 | Closed with explanation | 1 | null | 18,251,565 | 2,025 | 12 | 0 | Credit reporting or other personal consumer reports |
2024-06-27 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29,615 | null | Consent not provided | Web | 2024-06-27 | Closed with explanation | 1 | null | 9,356,499 | 2,024 | 6 | 0 | Credit reporting or other personal consumer reports |
2022-03-11 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Their investigation did not fix an error on your report | Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34,221 | null | Consent provided | Web | 2022-03-11 | Closed with non-monetary relief | 1 | null | 5,314,931 | 2,022 | 3 | 1 | Credit reporting / repair |
2024-03-08 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen XXXX. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33,782 | null | Consent provided | Web | 2024-03-08 | Closed with non-monetary relief | 1 | null | 8,508,130 | 2,024 | 3 | 1 | Credit reporting or other personal consumer reports |
2025-12-22 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33,625 | null | Consent not provided | Web | 2025-12-22 | Closed with non-monetary relief | 1 | null | 18,220,385 | 2,025 | 12 | 0 | Credit reporting or other personal consumer reports |
2025-02-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | null | EQUIFAX, INC. | AL | 36,322 | null | Consent not provided | Web | 2025-02-20 | Closed with non-monetary relief | 1 | null | 12,147,721 | 2,025 | 2 | 0 | Credit reporting or other personal consumer reports |
2025-12-27 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94,303 | null | null | Web | 2025-12-27 | Closed with explanation | 1 | null | 18,319,861 | 2,025 | 12 | 0 | Credit reporting or other personal consumer reports |
2025-10-24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | CA | 90,044 | null | null | Web | 2025-10-24 | Closed with non-monetary relief | 1 | null | 16,789,765 | 2,025 | 10 | 0 | Credit reporting or other personal consumer reports |
2024-02-15 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32,250 | null | Consent not provided | Web | 2024-02-15 | Closed with non-monetary relief | 1 | null | 8,342,697 | 2,024 | 2 | 0 | Credit reporting or other personal consumer reports |
2025-02-22 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11,413 | null | Consent not provided | Web | 2025-02-22 | Closed with non-monetary relief | 1 | null | 12,176,432 | 2,025 | 2 | 0 | Credit reporting or other personal consumer reports |
2026-01-08 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | null | EQUIFAX, INC. | DE | 19,805 | null | null | Web | 2026-01-08 | Closed with explanation | 1 | null | 18,581,334 | 2,026 | 1 | 0 | Credit reporting or other personal consumer reports |
2025-06-13 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 1,105 | null | Consent not provided | Web | 2025-06-13 | Closed with explanation | 1 | null | 14,074,837 | 2,025 | 6 | 0 | Credit reporting or other personal consumer reports |
2013-03-11 | Credit reporting | null | Incorrect information on credit report | Information is not mine | null | null | EQUIFAX, INC. | IL | 60,478 | null | null | Web | 2013-03-11 | Closed with non-monetary relief | 1 | null | 348,766 | 2,013 | 3 | 0 | Credit reporting / repair |
2025-02-26 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 7,304 | null | Consent provided | Web | 2025-02-26 | Closed with explanation | 1 | null | 12,231,978 | 2,025 | 2 | 1 | Credit reporting or other personal consumer reports |
2025-04-02 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92,626 | null | Consent provided | Web | 2025-04-02 | Closed with explanation | 1 | null | 12,774,347 | 2,025 | 4 | 1 | Credit reporting or other personal consumer reports |
2024-04-24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85,249 | null | Consent provided | Web | 2024-04-24 | Closed with non-monetary relief | 1 | null | 8,847,426 | 2,024 | 4 | 1 | Credit reporting or other personal consumer reports |
2022-02-15 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NJ | 7,109 | null | null | Postal mail | 2022-02-15 | Closed with explanation | 1 | null | 5,226,174 | 2,022 | 2 | 0 | Credit card |
2016-10-29 | Credit card | null | Billing disputes | null | Maintained a credit card with Discover Financial services, for 3+ years and did n't file a fraud complaint until 2 months ago. After filing a fraud affidavit and sending the fraud department supporting documentation, Discover Financial Services sent me 5 confirmation letters stating my funds have been credited as of the beginning of XXXX 2016. Upon checking my account everyday since beginning of XXXX, no funds have been credited. Discover financial services owes me over XXXX XXXX dollars in credits.
Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual. | null | DISCOVER BANK | NY | 10,128 | null | Consent provided | Web | 2016-10-29 | Closed with explanation | 1 | null | 2,185,596 | 2,016 | 10 | 1 | Credit card |
2025-12-16 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 1,607 | null | Consent not provided | Web | 2025-12-16 | Closed with explanation | 1 | null | 18,066,737 | 2,025 | 12 | 0 | Credit reporting or other personal consumer reports |
2025-04-29 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DE | 19,720 | null | Consent not provided | Web | 2025-04-29 | Closed with explanation | 1 | null | 13,229,224 | 2,025 | 4 | 0 | Credit reporting or other personal consumer reports |
2017-01-03 | Consumer Loan | Vehicle loan | Managing the loan or lease | null | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 32,216 | null | null | Referral | 2017-01-04 | Closed with monetary relief | 1 | null | 2,271,647 | 2,017 | 1 | 0 | Consumer Loan |
2025-07-28 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | null | null | Consent provided | Web | 2025-07-28 | Closed with explanation | 1 | null | 14,930,495 | 2,025 | 7 | 1 | Credit reporting or other personal consumer reports |
2025-11-26 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | null | null | EQUIFAX, INC. | NY | 11,207 | null | Consent not provided | Web | 2025-11-26 | Closed with explanation | 1 | null | 17,532,224 | 2,025 | 11 | 0 | Credit reporting or other personal consumer reports |
2025-04-22 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I did not authorize these accounts, for I am a victim of the data breach, and all of my personal information was exposed in the breach and has been used. By understanding my right to privacy under the Fair Credit Reporting Act. I did not authorize these items listed. I demand that these items be removed from my credit report through all the credit bureaus. I understand that the creditor bought debt without my wet signature for pennies on the dollar. I know that I am protected under 15 U.S.C Sec 1681i ( a ) by | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | null | null | Consent provided | Web | 2025-04-22 | Closed with non-monetary relief | 1 | null | 13,107,124 | 2,025 | 4 | 1 | Credit reporting or other personal consumer reports |
2025-03-19 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | null | EQUIFAX, INC. | NH | 3,873 | null | Consent not provided | Web | 2025-03-19 | Closed with non-monetary relief | 1 | null | 12,558,818 | 2,025 | 3 | 0 | Credit reporting or other personal consumer reports |
2026-02-01 | Money transfer, virtual currency, or money service | Mobile or digital wallet | Managing, opening, or closing your mobile wallet account | null | null | null | Paypal Holdings, Inc | NY | 11,040 | null | null | Web | 2026-02-01 | Closed with explanation | 1 | null | 19,165,547 | 2,026 | 2 | 0 | Money transfer / service |
2025-10-31 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30,013 | null | null | Web | 2025-10-31 | Closed with explanation | 1 | null | 16,943,525 | 2,025 | 10 | 0 | Credit reporting or other personal consumer reports |
2014-08-22 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt was paid | null | null | SYNCHRONY FINANCIAL | FL | 33,028 | null | null | Web | 2014-08-22 | Closed with explanation | 1 | null | 996,369 | 2,014 | 8 | 0 | Debt collection |
2026-02-19 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70,769 | null | Consent not provided | Web | 2026-02-19 | Closed with explanation | 1 | null | 19,638,675 | 2,026 | 2 | 0 | Credit reporting or other personal consumer reports |
2024-05-24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19,120 | null | Consent not provided | Web | 2024-05-24 | Closed with explanation | 1 | null | 9,080,645 | 2,024 | 5 | 0 | Credit reporting or other personal consumer reports |
2024-10-08 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 35,228 | null | Consent not provided | Web | 2024-10-08 | Closed with explanation | 1 | null | 10,385,766 | 2,024 | 10 | 0 | Credit reporting or other personal consumer reports |
2025-05-06 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Problem with personal statement of dispute | This is my FINAL notice of demand regarding the alleged debt tied to my vehicle loan. Based on newly obtained filings from the U.S. Securities and Exchange Commission ( SEC ), including your Form ABS-15G and 10-K filings, it is clear that XXXX XXXX securitizes auto loans and may no longer legally own or have standing to collect on this debt.
SECURITIZATION = TRANSFERRED OWNERSHIP Your Form ABS-15G filed on XX/XX/year>, confirms that XXXX XXXX acted as a securitizer in the auto loan asset class under Rule 15Ga-1. This indicates my auto loan may have been : Sold to a trust or SPV ( special purpose vehicle ) Converted into a security, And is now owned by investors, such as XXXX XXXX XXXX, as disclosed in your Schedule 13G filing.
If XXXX XXXX no longer holds legal title, and merely acts as a servicer, you are in violation of 15 U.S.C. 1692e ( 2 ) ( A ) of the FDCPA for misrepresenting the character or legal status of the debt, and possibly TILA 15 U.S.C. 1641 ( g ) by failing to disclose assignment to the debtor.
FORMAL DEMAND FOR DOCUMENTATION : You are hereby directed to produce, in writing : 1. Full Chain of Assignment From loan origination through all sales or transfers 2. Trust or Pool Information If securitized, provide trust name, XXXX number, closing date, and a copy of the Pooling and Servicing Agreement ( PSA ) 3. Proof of Standing Legal proof that XXXX XXXX currently owns the debt, not merely services it 4. Dates Date of first delinquency, date of last payment, and current legal holder of title DEMAND FOR REFUND & CESSATION If you can not verify ownership or legal standing : Cease and desist all collection activity under 15 U.S.C. 1692c ( c ) Delete all reporting to any credit bureaus under 15 U.S.C. 1681s-2 Issue a full refund of payments collected after the loan was transferred or securitized Remove all internal and third-party contact attempts Failure to comply within 10 business days from the date of this letter will result in : Filing with the FTC, SEC, and State Attorney General Civil litigation seeking monetary damages, legal fees, and punitive relief NOTICE OF PRESERVATION You are instructed to preserve all documents related to this account, including but not limited to securitization records, assignments, internal notes, emails, and payment logs, as this matter may lead to formal litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48,192 | null | Consent provided | Web | 2025-05-06 | Closed with explanation | 1 | null | 13,344,026 | 2,025 | 5 | 1 | Credit reporting or other personal consumer reports |
2024-10-01 | Debt collection | Other debt | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85,340 | null | Consent not provided | Web | 2024-10-01 | Closed with non-monetary relief | 1 | null | 10,302,592 | 2,024 | 10 | 0 | Debt collection |
2024-06-17 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | This company contacted me stating I owed a debt that didn't exist. I contacted the original healthcare provider to confirm this. The healthcare provider sent all supporting documents showing I owe no debts. This company stated to provide all supporting documents in which I did. Now they are not responding to me when I ask for confirmation. I have sent four emails asking for assistance. They only continue to send me letters in the mail and ignore what I have provided. | null | Phoenix Financial Services LLC | IL | 60,402 | null | Consent provided | Web | 2024-06-17 | Closed with explanation | 1 | null | 9,276,374 | 2,024 | 6 | 1 | Debt collection |
2024-04-29 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS GRAIN XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CREDIT XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS EXPERIAN BUSINESS CRED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85,013 | null | Consent provided | Web | 2024-04-29 | Closed with explanation | 1 | null | 8,881,555 | 2,024 | 4 | 1 | Credit reporting or other personal consumer reports |
2025-06-02 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30,349 | null | Consent not provided | Web | 2025-06-02 | Closed with explanation | 1 | null | 13,847,021 | 2,025 | 6 | 0 | Credit reporting or other personal consumer reports |
2026-02-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | null | null | EQUIFAX, INC. | NJ | 7,501 | null | null | Web | 2026-02-19 | In progress | 1 | null | 19,635,244 | 2,026 | 2 | 0 | Credit reporting or other personal consumer reports |
2025-07-30 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | EQUIFAX, INC. | TX | 79,413 | null | Consent not provided | Web | 2025-07-30 | Closed with non-monetary relief | 1 | null | 14,966,558 | 2,025 | 7 | 0 | Credit reporting or other personal consumer reports |
2025-11-15 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 70,131 | null | Consent not provided | Web | 2025-11-15 | Closed with explanation | 1 | null | 17,244,571 | 2,025 | 11 | 0 | Credit reporting or other personal consumer reports |
2023-02-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. | null | EQUIFAX, INC. | GA | 30,909 | null | Consent provided | Web | 2023-02-14 | Closed with explanation | 1 | null | 6,572,773 | 2,023 | 2 | 1 | Credit reporting / repair |
2020-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | null | AMERICAN EXPRESS COMPANY | VA | 22,555 | null | null | Postal mail | 2020-10-24 | Closed with explanation | 1 | null | 3,916,919 | 2,020 | 10 | 0 | Credit reporting / repair |
2022-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | null | null | EQUIFAX, INC. | NV | 89,156 | null | null | Postal mail | 2022-06-02 | Closed with explanation | 1 | null | 5,629,357 | 2,022 | 6 | 0 | Credit reporting / repair |
2021-06-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following company Transunion. I have informed the consumer reporting agency TransUnion by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OK | 74,133 | null | Consent provided | Web | 2021-06-14 | Closed with explanation | 1 | null | 4,460,019 | 2,021 | 6 | 1 | Credit reporting / repair |
2024-09-12 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91,403 | null | Consent not provided | Web | 2024-09-12 | Closed with non-monetary relief | 1 | null | 10,119,720 | 2,024 | 9 | 0 | Credit reporting or other personal consumer reports |
2024-04-12 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 46,410 | null | Consent not provided | Web | 2024-04-12 | Closed with explanation | 1 | null | 8,761,269 | 2,024 | 4 | 0 | Credit reporting or other personal consumer reports |
2025-04-11 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 32,127 | null | Consent not provided | Web | 2025-05-29 | Closed with explanation | 1 | null | 12,944,702 | 2,025 | 4 | 0 | Debt collection |
2025-10-23 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | null | null | EQUIFAX, INC. | FL | 32,940 | null | Consent not provided | Web | 2025-10-23 | Closed with non-monetary relief | 1 | null | 16,741,719 | 2,025 | 10 | 0 | Credit reporting or other personal consumer reports |
2016-08-01 | Mortgage | FHA mortgage | Application, originator, mortgage broker | null | First of let me say for a manager to start yelling at a customer is beyond belief. I reluctantly dealt with XXXX and it was one of the worst things I could do. She constantly made excuses, would not call me back or answer questions. I got answers from another lender. She told me that I did not qualify for a loan because the loan to debt ratio was XXXX. Another lender told me XXXX, and I called her numerous times because I wanted to know, would I qualify if I paid off my XXXX car loan. So it would not be considered debt if it were not there. She never even mentioned any other options after running my credit. She is unprofessional, rude and loud. She got angry because I questioned her lack of customer service, went off on me as though she was some street fighter and frankly she only embarrassed herself! Please allow me to send you the emails where she tried to send me to another company. I did not want to deal with her ecause of her poor customer service and you will see that in the emails. I cant believe you have such an unprofessional person in your employ. I would like to speak to the President of the company. She lied and manipulated me into allowing her to r run my credit information. I sent her all of the documentation and she claimed that she looked it over BEFORE to see if it were feasible to run my credit which I do n't believe she did. All she was interested in was running my credit. Also to try to send me to another lender without even trying to earn my business is disturbing. The emails outline the fact that she was ignoring me and I had to get answers from another lender. She never even gave me any alternatives to make the loan work.
despite all of this, no 'PROFESSIONAL ' has the right to yell at a customer., tell them anything to run their credit then abandon the customer Here is her information XXXX XXXX , Sales Manager/Mortgage Loan Originator, XXXX # XXXX HomeBridge Financial Services , Inc .
XXXX Member Preferred Lender XXXX XXXX XXXX XXXX XXXX, NJ XXXX o : XXXX c : XXXX f : XXXX e : XXXXXXXXXXXX | Company believes it acted appropriately as authorized by contract or law | AMA Advisors, LLC. | CA | null | null | Consent provided | Web | 2016-08-03 | Closed with explanation | 1 | null | 2,040,678 | 2,016 | 8 | 1 | Mortgage |
2026-03-06 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | null | null | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92,555 | null | null | Web | 2026-03-06 | In progress | 1 | null | 20,035,539 | 2,026 | 3 | 0 | Credit reporting or other personal consumer reports |
2024-02-09 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 21,144 | null | Consent provided | Web | 2024-02-09 | Closed with non-monetary relief | 1 | null | 8,314,386 | 2,024 | 2 | 1 | Credit reporting or other personal consumer reports |
2015-02-22 | Mortgage | FHA mortgage | Loan modification,collection,foreclosure | null | null | null | BANK OF AMERICA, NATIONAL ASSOCIATION | TN | 37,042 | null | null | Web | 2015-02-22 | Closed with explanation | 1 | null | 1,251,200 | 2,015 | 2 | 0 | Mortgage |
2025-12-08 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19,124 | null | Consent not provided | Web | 2025-12-08 | Closed with explanation | 1 | null | 17,846,152 | 2,025 | 12 | 0 | Credit reporting or other personal consumer reports |
2024-02-15 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | null | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76,031 | null | Consent not provided | Web | 2024-02-15 | Closed with non-monetary relief | 1 | null | 8,349,452 | 2,024 | 2 | 0 | Credit reporting or other personal consumer reports |
End of preview. Expand in Data Studio
CFPB Consumer Financial Complaints 2011–Present
Every consumer financial complaint submitted to the Consumer Financial Protection Bureau (CFPB) since 2011 — cleaned, structured, and ready for analysis. 14M+ records covering credit reporting, debt collection, mortgages, credit cards, banking, and more, with free-text consumer narratives for 3.75M+ complaints.
This repository contains a 1,000-row sample (Public Domain). Full dataset (CSV + Parquet) available at claritystorm.com/datasets/cfpb-complaints.
Quick Start
from datasets import load_dataset
ds = load_dataset("claritystorm/cfpb-consumer-complaints")
import pandas as pd
df = pd.read_csv("sample_1000.csv")
print(df["product_normalised"].value_counts())
print(df["submitted_via"].value_counts())
Schema (selected fields)
| Field | Type | Description |
|---|---|---|
| complaint_id | int | CFPB unique complaint identifier |
| date_received | string | Date CFPB received complaint (YYYY-MM-DD) |
| year | int | Year received (derived) |
| month | int | Month received (derived) |
| product | string | Financial product category (original) |
| product_normalised | string | Standardised product category |
| sub_product | string | Product sub-category |
| issue | string | Issue type |
| sub_issue | string | Issue sub-type |
| consumer_narrative | string | Consumer complaint text (free text, ~1.5M records) |
| has_narrative | int | 1 if narrative was provided, 0 otherwise |
| company | string | Company the complaint is about |
| state | string | US state (2-letter code) |
| zip_code | string | 5-digit ZIP code |
| submitted_via | string | Channel: Web / Phone / Referral / Postal mail / etc. |
| company_response | string | Company response to consumer |
| timely_response | int | 1 if company responded timely, 0 otherwise |
| consumer_disputed | int | 1 if consumer disputed company response |
| tags | string | Servicemember / Older American / Older American, Servicemember |
Source
Consumer Financial Protection Bureau (CFPB) — Consumer Complaint Database. CFPB data is a US federal government work in the public domain (17 U.S.C. 105).
Processed by ClarityStorm Data.
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