vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm requesting immediate action regarding an account that appears on my credit report. I need written confirmation that every single piece of information associated with this account can be fully certified as accurate and belonging to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Attention employees from Toyota Financial Services, Lexus Financial Services and Toyota Motor Credit Corporation produce : Someone from Toyota Financial Services had my property stolen in the early morning hours of XX/XX/year> and theyve alleged as witnesses that Ive injured someone named XXXX. XXXX XXXXXXXX provide to me through the consumer financial protection bureau portal, a copy of his or her sworn testimony in writing so that I can submit the evidence in my claim to the Attorney General in Tennessee where it states that Ive injured them involving a loan agreement that was turned into a Mortgage where I promised to pay them back a negative balance involving a loan that was issued to me by XXXX, XXXX or XXXX XXXX? 

Also as employees from the companies listed above provide me with the copy of XXXX  sworn testimony, as individuals who claim they are not debt collectors but have stated in their automated systems that This is an attempt to collect a debt, please provide the mortgage and the promissory note thats married to the mortgage which proves that I on behalf of the entity XXXX XXXX XXXX owes XXXX a debt back for a loan that he or she handed to me? 

The Attorney General is currently investigating these matters involving Grand Theft of my property and all employees involved including the Tow Truck driver who came unto private property to take away my property are key witnesses to XXXX  harm, loss and damages that he or she allegedly suffered from. Therefore any and all information provided will be helpful. Also employees at the Federal Trade Commission agency will be put on notice regarding the response to this complaint made to the consumer financial protection bureau and will be asked to testify in court with the Attorney General as this claim is being brought forward in federal court. Please make sure that this complaint also goes to the watchdog of the Consumer Financial Protection Bureau as well that oversees all governmental agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within XXXX days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 


1. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. Under penalty of perjury I swear this account is false and misleading XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX, LLC Date of inquiry : XX/XX/year> Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX, LLC Date of inquiry : XX/XX/year> Please remove it from my credit report. 

6. Under penalty of perjury I swear this account is false and misleading XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


* * * KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM * * * * * Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: IN

Complaint narrative:
Basically, in XX/XX/XXXX, I was XXXX  for a XXXX dispite I don't XXXX  nor do I use any XXXX XXXX The officer who arrested me used entrapment tactics to pin the XXXX on me. Because of this XXXX my driver 's license was suspended and I had to have my attorney get me a specialised driver 's permit so I am still able to work and run errands for my XXXX XXXX, whom I am the primary care giver for. By XX/XX/XXXX, XXXX sends me an email stating my background check was complete and was sent to XXXX. Due to this, XXXX decided to suspend my account and now they don't want to reinstate my account due to the fact that I " failed their background check. '' I want to add that in XXXX, I was a candidate for XXXX XXXXXXXX XXXXXXXX XXXX XXXX  and I got 20 % of the vote in the Republican primary, which is not bad for running for state office for the first time. The current state senator sitting in that seat, representing XXXX XXXXXXXX XXXX XXXX is a Democrat and is corrupt. The newly elected mayor of Michigan City is also a Democrat and is heavily involved with XXXX  against XXXX XXXX, especially XXXX XXXX, which leads me to further believe that this XXXX entrapment was politically motivated. The police are playing dirty and refuse to give the body cam footage after being requested by both my attorney and by an Indianapolis based newspaper. Checkr decided to rush through the background check even after I had told them that justice in Indiana moves slowly and they didn't even wait until my initial court date which is XX/XX/XXXX. What Checkr has done basically cost me a source of income from XXXX, which brought in {$20.00} XXXX a year and I have already contacted XXXX and warned them if they don't take me back, I will organise a boycott of them. I do have a following in my area and I can easily get a boycott going. I believe Checkr uses discriminatory practices in running their background checks and I would like compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information Account Name : RESURGENT/LVNV Funding I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my credit file, I noticed the following account contains incorrect information : - * * Account Name : * * RESURGENT/LVNV FUNDING - * * Account Number : - * * Account Type : * * Debt Buyer - * * Responsibility : * * Individual - * * Date Opened : * * XX/XX/XXXX - * * Status : * * Collection account. {$470.00} past due as of XX/XX/XXXX. 
- * * Balance : * * {$470.00} ( as of XX/XX/XXXX ) This account is inaccurate for the following reasons : [ briefly state your reason, e.g., * the account does not belong to me *, * the balance is incorrect *, * the account is being reported with incorrect dates *, etc. ]. I request that this account be investigated and either corrected or deleted from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of supporting documents [ mention if you are attaching anything, like identity verification, account statements, etc. ] to assist with your investigation. 

Please complete your investigation within 30 days as required by the FCRA and provide me with written results of your findings. If you find that the information is indeed inaccurate, I respectfully request that you remove or correct the entry accordingly and send me an updated copy of my credit report. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Subject : Complaint Against TransUnion Background Data Solutions for Failure to Correct Inaccurate Background Information After Providing State-Issued Documentation Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion Background Data Solutions for failing to correct inaccurate information on my background report, despite my providing official state-issued documentation verifying the error. 

On XXXX XXXX, I submitted a dispute to TransUnion Background Data Solutions regarding a dismissed/termination charge shown inaccurately on my report. As part of my dispute, I provided an official statement from the Clerk of Court clearly confirming that dismissed/terminated.

After reviewing their decision, I contacted TransUnion Background Data Solutions to ask why the inaccurate information was not removed. I was informed that despite submitting official government documentation, I would need to submit an entirely new dispute and wait an additional 30 days for another investigation to find out the reason why it was denied. 

I believe this process is unfair and violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to reasonably investigate disputes and promptly delete unverifiable or inaccurate information. Forcing me to restart the process after already submitting state-issued proof creates unnecessary delay and further harm to my ability to seek employment, housing, and financial opportunities.

Attached are copies of : My original dispute letter The Clerk of Court documentation TransUnions response and any notes from my follow-up inquiry I respectfully request that the CFPB investigate TransUnion Background Data Solutions dispute handling procedures and ensure that my inaccurate information is corrected without further delay. 

Thank you for your time and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXXl and XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation