vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I am writing to formally dispute the derogatory collection/charge-off status currently reported by TransUnion on my credit file regarding account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX  XXXX, which was closed on XXXX XXXX, 2022. This account shows a {$0.00} balance, does not reflect any valid history of late payments or charge-offs, and is not reported as derogatory by either XXXX or XXXX, demonstrating that this negative status is unique to TransUnion and is clearly inaccurate.

This reporting discrepancy not only misrepresents my creditworthiness, but also violates provisions established under the Fair Credit Reporting Act ( FCRA ), which mandates that all information provided to consumer reporting agencies must be accurate, complete, and verifiable. The continued presence of this account as derogatory on my TransUnion report, despite no balance owed and no such status reported by the other two national bureaus, constitutes a direct breach of those standards. 

Furthermore, this situation conflicts with regulatory principles enforced by key federal oversight agencies including the Office of the Comptroller of the Currency ( OCC ), the Federal Reserve Board, the National Credit Union Administration ( NCUA ), and the Federal Trade Commission ( FTC ). These agencies are tasked with ensuring the integrity and accuracy of the financial and credit reporting system. The inaccurate derogatory reporting by TransUnion undermines the consumer protections these agencies uphold. 

For these reasons, I respectfully demand the immediate removal of this item from my credit report. I request a full reinvestigation and written confirmation of its deletion, along with an updated credit file reflecting the correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
The payoff payment was sent from my bank, XXXX  to Ally Financial on XX/XX/XXXX. They received the payment on XXXX. On XX/XX/XXXX they typed up a letter, included my banks payoff check and returned it to my home address claiming it was not the correct pay off amount. And then they reported my payment late to my credit bureau which took my credit score down XXXX points in 1 day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
fraudulent accounts that have been reported on my credit file with Equifax. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ), I am a victim of identity theft and am exercising my right to have information resulting from such theft Blocked and deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MI

Complaint narrative:
XX/XX/year> {$150.00} I recently reviewed my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit. Contacted the original creditor to advise them that I did now recognize the charge and not responsible. Also asked for them to send me proof but did not receive anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for failing to properly investigate and verify multiple disputed accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I submitted formal disputes for the following accounts : XXXX XXXX XXXX XXXX of my vehicle despite hardship and active communication. The vehicle was sold before GAP insurance could inspect it, and I was never given proper documentation or breakdowns. 
XXXX XXXX XXXX XXXX buyer reporting an account without providing legal validation, proof of ownership, or itemized billing. I never received any signed agreement or proof that they are authorized to collect this debt. 
XXXX XXXX XXXX XXXX XXXX collection account reported without a signed contract, itemized breakdown, or legal authorization. The account was merely updated but never validated. 

For all three of these accounts, I formally requested a Method of Verification under FCRA Section 611 ( a ) ( 7 ). This means I was legally entitled to receive : The name and contact information of the furnisher of the information All documentation used to verify the debt Details on how the investigation was conducted Instead, TransUnion responded with only automated verified results, without supplying any of the above information. No contracts, no statements, no validation documents, and no source contacts were provided. 

This failure to properly investigate and verify my disputes has caused serious damage to my credit, prevented me from accessing crucial business funding, and created ongoing financial and emotional harm. These items remain on my report without legal justification, despite my good faith efforts to resolve them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for failing to properly investigate and verify multiple disputed accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I submitted formal disputes for the following accounts : XXXX XXXX XXXX XXXX of my vehicle despite hardship and active communication. The vehicle was sold before GAP insurance could inspect it, and I was never given proper documentation or breakdowns. 
XXXX XXXX XXXX XXXX buyer reporting an account without providing legal validation, proof of ownership, or itemized billing. I never received any signed agreement or proof that they are authorized to collect this debt. 
XXXX XXXX XXXX XXXX XXXX collection account reported without a signed contract, itemized breakdown, or legal authorization. The account was merely updated but never validated. 

For all three of these accounts, I formally requested a Method of Verification under FCRA Section 611 ( a ) ( 7 ). This means I was legally entitled to receive : The name and contact information of the furnisher of the information All documentation used to verify the debt Details on how the investigation was conducted Instead, TransUnion responded with only automated verified results, without supplying any of the above information. No contracts, no statements, no validation documents, and no source contacts were provided. 

This failure to properly investigate and verify my disputes has caused serious damage to my credit, prevented me from accessing crucial business funding, and created ongoing financial and emotional harm. These items remain on my report without legal justification, despite my good faith efforts to resolve them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, am a victim of identity theft. Upon reviewing my credit reports, I discovered multiple fraudulent accounts and inquiries that I did not authorize. These include accounts from : XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX  and # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Accounts # XXXXXXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX LVNV Funding LLC Account These accounts are reported as charged off or in collections. I have filed an Identity Theft Report with the FTC and submitted disputes to the credit bureaus, requesting the removal of these accounts. Despite these efforts, the fraudulent accounts remain on my credit reports, adversely affecting my creditworthiness. I am seeking the CFPBs assistance in ensuring these unauthorized accounts are permanently removed from my credit reports in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, two loan accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, a credit card account with XXXXXXXX XXXX opened on XX/XX/XXXX, an auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXXXXXX XXXX XXXXXXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX, and two collection accounts with XXXX XXXX XXXX opened on XX/XX/XXXX and XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am filing this complaint against TransUnion LLC for failing to properly investigate and verify multiple disputed accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I submitted formal disputes for the following accounts : XXXX XXXX XXXX XXXX of my vehicle despite hardship and active communication. The vehicle was sold before GAP insurance could inspect it, and I was never given proper documentation or breakdowns. 
XXXX XXXX XXXX XXXX buyer reporting an account without providing legal validation, proof of ownership, or itemized billing. I never received any signed agreement or proof that they are authorized to collect this debt. 
XXXX XXXX XXXX XXXX XXXX collection account reported without a signed contract, itemized breakdown, or legal authorization. The account was merely updated but never validated. 

For all three of these accounts, I formally requested a Method of Verification under FCRA Section 611 ( a ) ( 7 ). This means I was legally entitled to receive : The name and contact information of the furnisher of the information All documentation used to verify the debt Details on how the investigation was conducted Instead, TransUnion responded with only automated verified results, without supplying any of the above information. No contracts, no statements, no validation documents, and no source contacts were provided. 

This failure to properly investigate and verify my disputes has caused serious damage to my credit, prevented me from accessing crucial business funding, and created ongoing financial and emotional harm. These items remain on my report without legal justification, despite my good faith efforts to resolve them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credence Resource Management for reporting a XXXX collection account that has never been validated. 

I have never received a signed agreement, itemized charges, or proof of the alleged debt. When I disputed the account through TransUnion, the only action Credence took was to update the item not provide any evidence or documentation.

I formally requested validation, including a copy of the original agreement, full breakdown of the charges, and confirmation of their legal authority to collect this debt. No documents were provided.

I dispute both the balance and the status being reported. I submitted a good faith dispute through the credit bureaus and received only a system-generated verified result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XXXX  I lost my purse with my wallet and all personal items inside. Someone opened a loan in my name and it is still on my credit from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is irresponsibly reporting two derogatory accounts that are negatively affecting my credit profile : a XXXX XXXX account ( account number XXXX ) showing a balance of {$470.00}, and a collection reported by XXXX XXXX ( account number XXXX ) in the amount of {$4300.00}. These accounts are inaccurate, unverified, and harmful. There has been no sufficient proof provided by Experian or the data furnishers to validate these accounts under the standards required by law. This is unacceptable and negligent, especially considering the rampant data breaches that have left millions of consumersincluding myselfvulnerable to false entries and unauthorized use of their personal information. Under 15 USC 1681e ( b ), Experian is legally obligated to maintain and report only verified and accurate data, yet these accounts reflect a failure to meet that obligation. Furthermore, under 15 USC 1681i, Experian must investigate disputed information promptly and thoroughly, which they have failed to do in previous attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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