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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 i...
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...
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 h...
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...
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 XXX...
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 U...
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 Addr...
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 ...
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. ...
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 regard...
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...
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 th...
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 ...
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 t...
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 ...
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 t...
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 signatu...
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 becaus...
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 reportin...
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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