vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I had a debt sent to my collection that I was notified about, nor informed by anyone that there was a debt. It was sent to my collection without proof or explanation.

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 2025-05-23 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: CA

Complaint narrative:
My TransUnion credit report reflects multiple derogatory accounts that are inaccurately reported as charge-offs or collections. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$7100.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} on XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} on XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX, {$6600.00} on XX/XX/XXXX ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} on XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} on XX/XX/XXXX ), XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} on XX/XX/XXXX ), and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} on XX/XX/XXXX ). Many of these accounts are reporting a {$0.00} balance or are decades old, yet are still labeled as negative, which is misleading and damaging. Reporting of accounts with XXXX balances as active derogatory items violates the FCRAs requirement for accurate and up-to-date information under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i.

In addition, the presence of extremely outdated entries such as XXXX from XXXX and XXXX XXXX from XXXX raises serious concerns about compliance with 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits derogatory accounts from being reported beyond seven years from the date of first delinquency. TransUnion has a legal obligation to ensure all reported data is not only accurate but timely, and to remove unverifiable or obsolete information. The inconsistencies in the data, the presence of {$0.00} balances on closed accounts, and extremely aged derogatories are indicative of inadequate verification or possible data mismanagement following a potential breach.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-23 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I've recently received a copy of my credit report and notice multiple items i have absolutely no knowledge about, and these items have been detrimental to me being accept for a mortgage.

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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: DE

Complaint narrative:
I am filing a complaint against Source Receivables Management for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Over a two-month period, they contacted me without my consent via phone over XXXX times without providing a legally required debt validation notice, constituting harassment under federal law. Additionally, they reported an alleged debt to credit reporting agencies without first verifying its accuracy, causing harm to my credit score and financial standing. They also falsely reported themselves as the original creditor. I formally demanded they cease communication, verify the alleged debt, and compensate me {$25000.00} for harassment, emotional distress, and financial loss. I notified them they have 14 days to respond before I proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
USAA Bank made an unauthorized payment to a my USAA XXXX credit card resulting in a substantial credit balance, The payment was on XX/XX/XXXX and as of today XX/XX/XXXX, USAA has not refunded the balance of over {$24000.00}. Please see attached letter.

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 monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
MOHELA is my federal student loan servicer. I was enrolled in the SAVE plan and due to the issue in court, was placed under administrative forbearance with what was supposed to be 0 % interest. Interest has continued to accrue on my loans during this time, and despite reaching out to MOHELA multiple times regarding this and asking for clarity on the issue, they have not fixed the issue nor have they answered if they will retroactively apply the payments I've been making to the principle. 

I currently have {$88.00} of unpaid interest being applied to my loans, but I have made several payments during this period of forbearance that have applied to {$360.00} of interest, despite the 0 % interest rate. 

I have emailed them on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> and all of their responses have been the same message that they are aware of the issue and that they will fix it. But they have not fixed it, and have not given me any further details of what that " fix '' will entail. I also called them on XX/XX/year> and was able to reach one representative who told me I needed to speak to a specialist but then put me back on hold for over an hour. I was unable to stay on hold for longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NY

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-05-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Equifax credit reporting agencies, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of identity theft and fraudulent request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-23 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Equifax credit reporting agencies, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of identity theft and fraudulent request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. The accounts in reference are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. I am expecting that you'd address this soon. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair XXXX  accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, XXXX  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 XXXX XXXX Code XXXX since I was never late. " I recently reviewed my consumer report XXXX noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) XXXX the Truth in Lending Act ( TILA ), creditors are required XXXX  accurately report consumer transactions XXXX provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, XXXX if you can not provide documentary evidence of these supposed late payments, I demand these payments XXXX be updated XXXX on time as they should be as I was NEVER late. I expect these updates XXXX  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 2025-05-23 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: FL

Complaint narrative:
Im submitting this complaint as a victim of identity theft. Several fraudulent credit accounts have been added to my credit report none of which I opened or authorized. Ive never had any business relationship with these companies, and these accounts are severely damaging my credit and personal reputation. 

I filed an official Identity Theft Report through the FTC at IdentityTheft.gov, and I have also submitted a dispute to the credit reporting agencies. Unfortunately, they failed to take proper action and wrongly claimed my dispute could not be processed due to a name mismatch even though my name is correctly stated on my ID, FTC Affidavit, and all submitted documentation. 

After further review, I confirmed that my name and all identifying information were correct in my original submission. This denial appears to be a way to avoid proper investigation, which violates my rights under FCRA 605B, a federal law that mandates removal or blocking of fraudulent information within 4 business days after submission of valid identity theft documentation.

Here are the accounts that were fraudulently opened in my name XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$200.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$230.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$230.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$430.00} I have never authorized these accounts, nor have I received any goods, services, or credit from these companies. I have attached my FTC Identity Theft Report, government-issued ID, proof of address, and highlighted copies of my credit report to support this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
Im submitting this complaint as a victim of identity theft. Several fraudulent credit accounts have been added to my credit report none of which I opened or authorized. Ive never had any business relationship with these companies, and these accounts are severely damaging my credit and personal reputation. 

I filed an official Identity Theft Report through the FTC at IdentityTheft.gov, and I have also submitted a dispute to the credit reporting agencies. Unfortunately, they failed to take proper action and wrongly claimed my dispute could not be processed due to a name mismatch even though my name is correctly stated on my ID, FTC Affidavit, and all submitted documentation. 

After further review, I confirmed that my name and all identifying information were correct in my original submission. This denial appears to be a way to avoid proper investigation, which violates my rights under FCRA 605B, a federal law that mandates removal or blocking of fraudulent information within 4 business days after submission of valid identity theft documentation.

Here are the accounts that were fraudulently opened in my name XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$200.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$230.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$230.00} XXXX XXXX XXXX Date fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX | Amount : {$430.00} I have never authorized these accounts, nor have I received any goods, services, or credit from these companies. I have attached my FTC Identity Theft Report, government-issued ID, proof of address, and highlighted copies of my credit report to support this complaint.

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