vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX  XXXX  is reporting fraudulent inaccurate information on my credit report. I have called multiple times to let the company know that I never applied for a car loan from said company. The said company told me to call TransUnion to get it removed. I called and nothing was done. They company is reporting a hard inquiry on XX/XX/year>. I never applied for a car loan through this company. This is fraudulent I never consented to the company running my credit. I want this deleted immediately.

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 2025-09-07 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: TX

Complaint narrative:
I am submitting this complaint because my credit report is being severely damaged by inaccurate, incomplete, and unauthorized information which violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws these errors are creating financial hardship for me and I demand strict investigation, validation, and correction of these accounts and inquiries immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$300.00} Chargeoff this account is being reported as a chargeoff but I have never been given full accounting of the balance or proof that the amount being reported is accurate and correct under 15 USC 1681e ( b ) consumer reporting agencies are required to maintain maximum possible accuracy and under 15 USC 1666 of the Fair Credit Billing Act creditors must provide accurate billing statements this chargeoff is harming my creditworthiness and preventing me from accessing fair lending opportunities Because of these unlawful collection, chargeoff, and inquiry entries my credit score has been unfairly reduced I am experiencing credit denials, higher interest rates, and emotional distress due to the negligence of the data furnishers and credit reporting agencies under FCRA 611 I have the right to dispute inaccurate information and require investigation if the items can not be fully validated with original documentation and legal proof they must be deleted immediately I demand the CFPB to enforce my rights under FCRA and FDCPA and order the removal of all unverifiable, inaccurate, and unauthorized items from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX is reporting fraudulent inaccurate information on my credit report. I have called multiple times to let the company know that I never applied for a car loan from said company. They company is reporting a hard inquiry on XX/XX/year>. I never applied for a car loan through this company. This is fraudulent I never consented to the company running my credit. I want this deleted immediately.

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 2025-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' 15 USC 1681n if you fail to comply. I AM A LITIGIOUS CONSUMER AND FULLY INTEND ON PURSUING LITIGATION IN THIS MATTER TO ENFORCE MY RIGHTS UNDER THE FCRA This agency is in violation of 15 USC 1692g. They were to notify me of this writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with DELETION of the above reference ACCOUNTS and send out a free copy of my report after the changes have been made will result in legal actions taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] I DEMAND THE FOLLOWING ACCOUNTS BE VERIFIED OR DELETED IMMEDIATELY : ACCOUNT NAME : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: DE

Complaint narrative:
Federal Student Aid sent me correspondence on XX/XX/XXXX, indicating my PSLF Qualifying Payment Counts for my three ( 3 ) student loans. Two of the loans have 118 PSLF Qualifying Payment Counts toward Forgiveness and the third loan has 114 PSLF Qualifying Payment Counts toward Forgiveness. However, after changing to IBR Repayment Plan from the SAVE Plan, Federal Student Aid showed incorrect PSLF Qualifying Payment Counts from XX/XX/XXXXXXXX  to present day. I have been employed with an eligible qualifying PSLF employer since XX/XX/XXXX, which has completed my PSLF Employer Certification Form from XX/XX/XXXXXXXX  to this date. Currently, Federal Student Aid has set my Qualifying Payment Counts incorrectly and has disregarded their correspondence sent to me, which is hindering my accurate counts towards PSLF Forgiveness. I have contacted Federal Student Aid about this problem by filing a PSLF Reconsideration Complaint for inaccurate PSLF Qualifying Payment Counts and by telephone call as well.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors outlined in U.S code 1666 ( b ) under the billing error category : ( XXXX ) the creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. ( XXXX ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor pennymac loan services failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked account. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in erroneous designation as late- a sign of an evolving error-therefore I humbly request that the subsequent enterirs be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed ''

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I cant get a savings or checking account open there have been accounts used under my name with my information without my 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
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
What happened : I had an unauthorized transaction taken directly from my Cash App balance. I did not authorize or participate in this payment. I did not share my account or card details with anyone, and I did not receive any goods or services from this charge. 

What I asked the company to do : I contacted Cash App support through the app and requested that they : Open a dispute for the unauthorized transaction. 

Reverse the fraudulent charge and return the funds to my Cash App balance. 

Explain how the transaction was approved without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NY

Complaint narrative:
For about 3 years XXXX has absurdly been trying to get to me pay them money that is extremely obviously not owed by me. XXXX has even resorted to what I call blackmail by blocking me from obtaining their franchise services until I pay them what they claim I owe. Now XXXX XXXX is the second debt collector XXXX is using to try and make my life as difficult as possible, rather than admit their own incredibly obvious error. XXXX even has a history of opening fraudulent accounts in my name beyond this one. 
XXXX XXXX has never reached out to me once, yet they have reported to the credit firm that I owe them/XXXX money . I am trying to get a job in the financial services sector and they use personal credit scores as a hiring determination and XXXX XXXX and this credit firm has completely abused their power to try and ruin my ability to get a job or engage in other financial activities without facing an artificially deflated score based on the slanderous false information provided by XXXX XXXX. XXXX has NEVER even sent me a single invoice of this debt, never mind the details of it beyond the amount ( which has changed without explanation ) and the dates of alleged service. 
This is now yet another complaint I am making against Equifax in regards to this fake debt. They were even furnished with a copy of the police report that I had to obtain using my own time and money to show that my information they are selling about me is inaccurate. At times it has left their credit report but then it pops right back up again when another negligent firm report the same erroneous information to them. When will Equifax stop trying to ruin my life ever end? I almost certainly even had a credit freeze, and fraud alert in place when XXXX opened this false account in the first place! How is this allowed!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
For about 3 years XXXX has absurdly been trying to get to me pay them money that is extremely obviously not owed by me. XXXX has even resorted to what I call blackmail by blocking me from obtaining their franchise services, and now Jefferson Capital is the FIFTH outside company XXXX is using to try and make my life as difficult as possible, rather than admit their own incredibly obvious error. XXXX even has a history of opening fraudulent accounts in my name beyond this one! Jefferson Capital has never reached out to me once, yet they have reported to all 3 credit agencies that I owe themXXXX money . I am trying to get a job in the financial services sector and they use personal credit scores as a hiring determination and Jefferson Capital has completely abused their power to try and ruin my ability to get a job or engage in other financial activities without facing an artificially deflated score based on the slanderous false information provided by Jefferson Capital. XXXX has NEVER even sent me a single invoice of this debt, never mind the details of it beyond the amount ( which has changed without explanation ) and the dates of alleged service. How is a debt collection company allowed to act in this negligent and damaging manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The company is reporting inaccurate information on my credit report. This account shows up as a charge off simce XX/XX/year>. I never received a 1099 cancellation of debt form after I requested the 1099 form 3 times. Per the IRS this is considered as income and should be reported as such. By law income should not be reported on my credit report.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Specifically, TransUnion reported the following " OPEN ACCOUNTS '' and shared without consent account numbers XXXX, XXXX, XXXX, XXXX, which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I asked that the agency send me a copy of my credit report when the deletion has been 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Specifically, TransUnion reported the following " OPEN ACCOUNTS '' and shared without consent account numbers XXXX, XXXX, XXXX, XXXX, which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. I asked that the agency send me a copy of my credit report when the deletion has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX is reporting inaccurate information on my credit report. This account shows up as a charge off. I never received a 1099 cancellation of debt form after I requested the 1099 form multiple times. I still haven't received the form. Per the IRS this is considered as income and should be reported as such.

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 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
In a period of XXXX days XX/XX/XXXX to XX/XX/XXXX, I purchased over XXXX of sweepstakes coins. I did not know at the time the website stake.us was facing several class action lawsuits and was basically working around ILLINOIS laws for gambling and I disputed the transactions after finding out. The company took an entire month to investigate but did not find the results to be in my favor and shortly after that decided to close my checking account. Stake.us is nothing but a masked social casino posing as a real money gambling platform with no way to limit how much you spend and predatory deceptive practices have caused me to become addicted to it and I asked that the bank block my card from being used at that merchant and they did yet I still was able to purchase over XXXX worth of gold coins in a span of five days. The gold coins cost nothing but they give you free cash at a fixed rate of the US dollar and that is how they get away with working around regulated laws and restrictions. In the terms of service it says the bank could refund things but after a month of waiting, I received nothing. I will be contacting legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
To Whom It May Concern : I am disputing the accuracy, completeness, and legal compliance of the following account appearing on my XXXX  credit file : target Basis for Dispute : 1. Incomplete and Misleading Reporting Numerous months show N/R ( Not Reported ). Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), XXXX  must ensure all information furnished is complete and accurate. Reporting partial or inconsistent data constitutes non-compliance.

2. Balance Accuracy Violation The account reflects fluctuating balances after closure, which is factually inconsistent with a true charge-off. FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information known, or that should be known, to be inaccurate.

3. Obsolescence Miscalculation This tradeline is scheduled for removal. Pursuant to FCRA 605 ( a ) ( 4 ), charge-offs can not remain longer than seven years from the date of first delinquency ( DOFD ) that led to the charge-off. If DOFD predates XX/XX/XXXX  ( as the payment history indicates delinquencies as far back as XXXX ), the removal date reported is inaccurate and unlawfully extends the damage period. 

Demand for Action : Conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ).

Provide documentation verifying the accuracy of the DOFD and all balance reporting.

If XXXX  or the furnisher can not produce legally verifiable documentation, this account must be permanently deleted from my credit file. 

Failure to comply constitutes a violation of federal law, subject to enforcement under FCRA 616 and 617, as well as regulatory oversight by the CFPB.

I expect written confirmation of deletion or full documentation substantiating accuracy within 30 days, as mandated by law. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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