vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$68.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX PM XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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  : Dispute of Charged-Off Account and Request for IRS Form 1099-C Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Closed : XX/XX/XXXX To Whom It May Concern : I am writing in regard to the above-referenced account as reported on my credit reports with TransUnion and Experian. The account is listed as charged off and purchased by another lender, with a current balance of {$0.00}. However, I have not received any formal notification from your institution or the purchasing lender regarding the cancellation or sale of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, I am requesting : 1. Written confirmation of whether this debt was canceled, charged off, or forgiven. 
2. If the debt was canceled in full or part, please issue a copy of the IRS Form 1099-C for the appropriate tax year.

3. If the debt was sold to another party, please provide : The name and contact information of the purchaser, The date of the sale, The amount for which the debt was sold, and Confirmation that WEBBNK no longer owns or services this account.

Additionally, I am formally disputing the accuracy of the information being reported on this account. I request that you verify the reporting details, including the date of last activity, closed date, and account status.

Please respond within 30 days of receipt of this letter, in accordance with federal law. If I do not receive a response or a corrected 1099-C ( if applicable ), I reserve the right to file disputes with the credit bureaus and report this matter to the IRS or Consumer Financial Protection Bureau XXXX CFPB ). 

Sincerely, XXXX XXXX XXXX Enclosures ( optional ) : Copy of credit report showing the account ID and proof of address

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, my company, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, delivered to Ally Financial and Ally XXXX XXXX a formal dispute and debt validation request, along with XXXX notarized affidavits : Affidavit and Notice of No Consent to Repossession and Revocation of Security Interest Notice of Dispute of Lien and Claim of Title These documents were received, yet Ally has failed to respond in any meaningful way. On XX/XX/XXXX, they mailed a recycled response originally dated XX/XX/XXXX. This response did not address the dispute or provide any validation, but instead included a copy of a retail installment contract that is demonstrably altered and fraudulent. 

XXXX  version of the contract contains a black-ink signature with the handwritten addition /owner, which is not on my original copy. My original signed contract, dated XX/XX/XXXX, is signed in blue ink with no owner designation. This addition appears to have been made without authorization after the dealership contacted me post-sale in XXXX, stating Ally had issues with the contract. I never re-signed any documents. 

Ally has also marked Primary Use : Business on their copy, while that field is blank on the original I signed. These discrepancies suggest post-execution tampering. 

To date, I have paid over {$50000.00} on this account. The alleged balance is around {$18000.00}. Despite never validating the debt or addressing the forgery claim, Ally continues to pursue collections and has assigned the vehicle for repossession. 

Additionally, Ally has outsourced collections to third-party agents such as XXXX XXXX XXXX XXXX XXXX investigators are now calling my personal and business phone numbers. 

This appears to be a serious case of contract forgery, wrongful lien placement, and unlawful collection efforts based on a materially altered financial instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
Subject : Formal Dispute Under FCRA 611, 623, and 1681e ( b ) Demand for Correction, Deletion, and Compensation Due to Systemic Scoring Errors and Misreporting To Whom It May Concern, I am writing to formally dispute inaccuracies, demand deletion of all negative items, and seek remediation for violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards in my credit files. This dispute is based on Equifaxs admitted coding issue that caused systemic score miscalculations, as well as pervasive inaccuracies across all three bureaus. 
XXXX. Equifaxs Credit Scoring Flaw : Violation of FCRA 1681e ( b ) Equifax has publicly acknowledged a coding error that distorted credit scores for millions of consumers, resulting in : False risk representation to lenders, leading to wrongful denials or inflated interest rates ( mortgages, auto loans, credit cards ). 
Violation of maximum possible accuracy under FCRA 1681e ( b ), as the flawed scores misrepresented my creditworthiness despite unchanged tradelines. 
Direct financial harm, including but not limited to : o XXXX borrowing costs due to artificially depressed scores. 
o Denial of credit opportunitie XXXX deletion of all negative items impacted by this flaw. 
Recalculation of my credit score using corrected methodologies. 
Written explanation of how the error specifically affected my file. 

XXXX. Specific Inaccuracies Requiring Deletion ( FCRA 623 & Metro 2 Compliance ) A. Late Payments ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Discrepancy : Equifax reports XXXX late payments in XXXX, while XXXX XXXX XXXX lates. 
Violation : Metro 2 requires uniform reporting. Unverifiable data must be deleted per FCRA XXXX. 
B. Incorrect Balances ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Error : {$99000.00} revolving balance ( 99 % utilization ) misrepresents risk. Verify actual balance or delete. 
XXXX Outdated/Unverified Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Error : Installment loan reported as " open '' with no recent activity. Update to " paid '' or delete. 
Legal Basis for Deletion : FCRA 1681i ( a ) : Unverifiable items must be removed.

Metro 2 Guidelines : Incomplete or inconsistent data fields ( e.g., payment history, dates ) violate compliance. 

XXXX. I Demand for Remediation Under FCRA 1681n & 1681o Due to willful negligence ( Equifaxs coding flaw ) and ongoing inaccuracies, I reserve the right to pursue : Statutory damages ( {$100.00} {$1000.00} per violation ). 
Actual damages for financial harm ( e.g., higher interest rates, denied credit ). 
Punitive damages for reckless disregard of FCRA duties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MD

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-01 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: PA

Complaint narrative:
While reviewing my credit report, I have found several fraudulent accounts that were opened without my authorization. I believe that these accounts are the result of my information being exposed in multiple data breeches and my mail at my residence being tampered with. I have recently sent in a request to all three credit bureaus requesting that they thoroughly investigate these accounts and provide me with a debt validation letter as well as documentation proving that the accounts are mine in which they are not. I have received several notices and emails stating that my personal information has been exposed in a data breach as well as the dark web. I have submitted an FTC report, my Driver 's license as well as social security card and a bill and nothing has been done at this point. Ther accounts that should be removed and that were opened fraudulently are listed below but i do not have the account numbers because they are not my account and my credit report only gives me partial information : 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 explanation
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-07-01 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: PA

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion requesting the removal of outdated and inaccurate address information from my credit report. On XX/XX/year>, I received a response stating that my proof of address was unacceptable and that I could complete a verbal verification with a customer service representative. 

I called TransUnion and spoke with a representative named XXXX from the XXXX XXXX department. She informed me that I needed to be transferred to the XXXX Relations department. When I asked for a direct callback number in case the call dropped, she said there wasnt one. I also asked for her employee ID number, which she refused to provide. Before transferring the call, she disconnected the line, and I was never able to complete the verification process or resolve my dispute. 

To date, the outdated personal information remains on my credit report, despite my efforts to correct it through appropriate channels and documentation. I am requesting that TransUnion remove the inaccurate information and that the CFPB investigate whether their dispute and verification practices are in compliance with the Fair Credit Reporting Act.

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 2025-07-01 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
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  : Dispute of Charged-Off Account and Request for IRS Form 1099-C Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Closed : XX/XX/XXXX To Whom It May Concern : I am writing in regard to the above-referenced account as reported on my credit reports with TransUnion and Experian. The account is listed as charged off and purchased by another lender, with a current balance of {$0.00}. However, I have not received any formal notification from your institution or the purchasing lender regarding the cancellation or sale of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, I am requesting : 1. Written confirmation of whether this debt was canceled, charged off, or forgiven. 
2. If the debt was canceled in full or part, please issue a copy of the IRS Form 1099-C for the appropriate tax year.

3. If the debt was sold to another party, please provide : The name and contact information of the purchaser, The date of the sale, The amount for which the debt was sold, and Confirmation that WEBBNK no longer owns or services this account.

Additionally, I am formally disputing the accuracy of the information being reported on this account. I request that you verify the reporting details, including the date of last activity, closed date, and account status.

Please respond within 30 days of receipt of this letter, in accordance with federal law. If I do not receive a response or a corrected 1099-C ( if applicable ), I reserve the right to file disputes with the credit bureaus and report this matter to the IRS or Consumer Financial Protection Bureau XXXX CFPB ). 

Sincerely, XXXX XXXX XXXX Enclosures ( optional ) : Copy of credit report showing the account ID and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
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  : Dispute of Charged-Off Account and Request for IRS Form 1099-C Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance : {$0.00} Date of Last Activity : XX/XX/XXXX Date Closed : XX/XX/XXXX To Whom It May Concern : I am writing in regard to the above-referenced account as reported on my credit reports with TransUnion and Experian. The account is listed as charged off and purchased by another lender, with a current balance of {$0.00}. However, I have not received any formal notification from your institution or the purchasing lender regarding the cancellation or sale of this debt. 

Under the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, I am requesting : 1. Written confirmation of whether this debt was canceled, charged off, or forgiven. 
2. If the debt was canceled in full or part, please issue a copy of the IRS Form 1099-C for the appropriate tax year.

3. If the debt was sold to another party, please provide : The name and contact information of the purchaser, The date of the sale, The amount for which the debt was sold, and Confirmation that WEBBNK no longer owns or services this account.

Additionally, I am formally disputing the accuracy of the information being reported on this account. I request that you verify the reporting details, including the date of last activity, closed date, and account status.

Please respond within 30 days of receipt of this letter, in accordance with federal law. If I do not receive a response or a corrected 1099-C ( if applicable ), I reserve the right to file disputes with the credit bureaus and report this matter to the IRS or Consumer Financial Protection Bureau XXXX CFPB ). 

Sincerely, XXXX XXXX XXXX Enclosures ( optional ) : Copy of credit report showing the account ID and proof of address

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