vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: AL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-06 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:
I noticed that both XXXX  and TransUnion are reporting different and inconsistent late payment dates for my XXXX XXXX credit card account that was opened in XX/XX/year>. According to my payment history and records, I have made my payments on time, and my account is currently reported as Current. 

However, the two credit bureaus list different months as late payments one bureau shows late payments in certain months while the other reports those same months as on-time. This inconsistency indicates that at least one of the reports is inaccurate or unverifiable. 

I contacted XXXX XXXX to confirm my payment history and verified that my payments have been made as agreed. Since both credit bureaus are showing conflicting data, I am requesting that the inaccurate late payment information be investigated and corrected or removed so that my payment history is accurately reflected across all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-06 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: NC

Complaint narrative:
I discovered an inaccurate collection account on my Experian credit report from XXXX XXXX XXXX, listing XXXX XXXX XXXX XXXX as the original creditor, with an open date of XX/XX/2025. I never received services from this provider and have evidence showing I was not at any medical facility on that date. 

I disputed the account with Experian both online and by certified mail. Experian responded within XXXX  days but marked the account as verified and updated without providing any documentation showing how it was verified. 

On XX/XX/2025, I mailed a formal Debt Validation Letter to XXXX XXXX XXXX, which was delivered on XX/XX/2025. They failed to respond within the 30-day FDCPA validation period and have not provided any validation to this day. 

Despite this, Experian continues to report the account. This is a violation of the FCRA and FDCPA, as the furnisher failed to validate the debt and Experian did not properly investigate. I am requesting that this unverifiable collection be removed 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 explanation
Consumer complaint received 2025-10-06 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:
TransUnion is unlawfully reporting an inaccurate bankruptcy on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681b, 1681e ( b ), and 1681i.

The reported bankruptcy lists XXXXXXXX XXXX XXXX XXXX XXXXXXXX as the furnisher. 
However, I have official documentation directly from the U.S. Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXX confirming that the court does not report or furnish consumer information to any credit reporting agencies. 
This means TransUnion has no permissible purpose under 1681b to display or publish this data. By continuing to report this bankruptcy despite proof that the alleged furnisher is not a data source, TransUnion is engaging in willful and negligent non-compliance with federal law. 

When I disputed the account, TransUnion falsely verified it as accurate, which raises serious questions about how their investigation was conducted. Since the court confirmed they do not report, TransUnion could not have properly verified this data violating 1681i ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Additional Concern TransUnion Data Breach : TransUnion has been involved in multiple data breaches, compromising the personal information of millions of consumers nationwide. These breaches raise serious concerns about the security and integrity of the information they collect and distribute. 

Given TransUnions history of exposing sensitive consumer data and now reporting demonstrably false information about me, I believe they are showing a pattern of reckless disregard for consumer rights and data protection. 

Requested Resolution : I am requesting that the CFPB : Investigate TransUnions reporting and verification process for the inaccurate bankruptcy entry ; Require TransUnion to immediately delete the bankruptcy from my credit file ; Require TransUnion to provide proof of the furnisher and their permissible purpose under 1681b ; Ensure TransUnion implements stronger compliance measures to prevent further violations and data breaches ; and Confirm in writing that my personal information has not been compromised or unlawfully shared.

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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
My car was paid off due to an accident with a drunk driver. I had Gap insurance and the car was completely paid I even got a new car from same compant yet they reported late payments months after the matter had been resolved, when I complained they told me it takles their system a few months to catch up but all had been paid i even got a refund for making a payment after accident. I have co plained for years and they refuse to do anything to help me. Please help remove these items from my 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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
I am filing this complaint because Credit Collection Services ( CCS ) is reporting a collection account for XXXX XXXXXXXX XXXX that I never authorized or opened. 

The account ( allegedly opened XX/XX/year> ) shows a balance of {$490.00}. I have never had any unpaid policy or balance with XXXX, and I did not authorize or open this account. This appears to be a fraudulent or identity theft-related account reported without my knowledge or consent. 

I contacted XXXX directly, and they confirmed no valid balance or policy is associated with my personal information. Credit Collection Services has failed to provide any signed application, contract, or documentation showing that I authorized this account or owe any amount.

Under the Fair Credit Reporting Act ( FCRA 605B ), once notified or fraud, furnishers and credit bureaus are required to block and delete the fraudulent information within four ( 4 ) business days.

Additionall, under the Fair Debt Collection Practices Act ( FDCPA 805 ( c ) 0, CCS is required to Cease collection activity after being notified in writing that the debt is fraudulent.

I have already submitted a Cease and Desist letter and an identity Theft Report and Police report, and I am requesting that CCS immediately delete this fraudulent collection account from all credit reports and cease all future collection or reporting activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX Services, XXXX XXXX, XXXX XXXX XXXX Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I dispute the Capital One Auto Finance account on my credit file in its entirety. This account is reported as a charge off with a deficiency balance. This auto loan has a " XXXX XXXX XXXX '' of {$2.00}, XXXX and a " XXXX '' of {$2600.00}. The " Date of XXXX Delinquency '' is XX/XX/year>. The reporting of a balance on a charged off account is inaccurate. More critically, for an auto loan that likely resulted in repossession, the creditor must adhere to the strict provisions of Article 9 of the Uniform Commercial Code ( UCC ) regarding the sale of the collateral and the calculation of the deficiency balance. Any failure to follow UCC procedures ( e.g., proper notice of sale, commercially reasonable disposition of the vehicle ) invalidates the deficiency. Reporting an invalid deficiency as a debt violates the FCRA 15 U.S.C 1681e ( b ). The legal enforceability of a deficiency balance following repossession is contingent upon the creditor 's strict adherence to the notice and commercial reasonableness requirements of Article 9 of the Uniform Commercial Code. I have no evidence that the disposition of the collateral complied with these legal standards. Therefore, the reported deficiency balance is legally invalid and unenforceable. Reporting legally invalid and unverifiable information on a credit report violates the accuracy and reinvestigation provisions of the FCRA, 15 U.S.C 1681e ( b ) and 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
on XX/XX/XXXXXXXX XXXX XXXX XXXX  I used my chime account to send my partner our rent payment in the amount of {$1000.00} at XXXXXXXX XXXX we spoke to someone on the phone for Chime support because we forgot the email he used to sign in. they opened a ticket. 

at XXXXXXXX XXXX- they closed the account at XXXXXXXX XXXX we called and spoke to someone again and they did in fact say that the accounts were closed. 

at XXXXXXXX XXXX- I called someone on the phone and they said that as long as my partner called chime himself they were able to reopen the account and cancel out the ticket. 

at XXXXXXXX XXXX  we spoke to someone again with my mom on the line as well. they said that the money was still in the account but due to the account that was created back in XXXX was non compliant they closed the account- did not give any reasons to why the account was non compliant they just closed it and said that we were ineligiable for it to be reopened and for us to get refunded out money. we were able to escalate it to a supervisor because i threatened to sue. 

at XXXXXXXX XXXX  we finally were able to speak with that supervisor but unfortunately ended up with the same result. he refused to give us corporates number, he refused to help us go in another direction. 

The ending result was they stole our {$1000.00} and put our household in jeopardy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: Prizm Financial Company, LLC
State: OH

Complaint narrative:
On XX/XX/year> a payoff was requested through Prizm financial. The payoff was for {$10000.00}. I instructed XXXX XXXX that a payment for that amount would be made online. I will provide the email that was sent to me by XXXX. There was no correspondence or information provided that a payoff would not be able to be made under these arrangements. I attempted to make the payoff- only to be instructed by their online system that a payment couldnt be made above {$3500.00}. I made that payment and attempted to make an additional payment on which I was declined due to their online process ( I have picture evidence ). I then attempted to contact Prizm - and recorded the call ( which I provided notice to the caller intake ) I was instructed that a call could not be made via telephone as the same system would not allow a payment over {$3500.00}. I made the additional payments that were necessary- every day- thereafter to make the payoff on this loan. This was the only option given to me to make this payoff. I was then notified via email XXXX XXXX  LATER ( I have copies of the email ) that a back office exception occurred due to fraud speculation and that the bank ( XXXX ) rejected one of the payments ( which was the second payment out of the XXXX that had to be made ). I contacted XXXX and have provided a letter that this did not occur. Ive provided adequate statements to ensure that the funds were there and Prizm is still trying to fine me with additional fees and interest upon my request to have this situation alleviated. The funds are still in my account and at the remedy of this situation will be appropriated to Prizm. I am confident that you will alleviate this situation as I have done my just to make the arrangements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CORELOGIC INC
State: CT

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint because I recently noticed a hard inquiry from XXXX Home Loans/ CoreLogic Credco on my credit report that I do not recognize. 

I want to make it clear that I never gave permission or consent for XXXX Home Loans or CoreLogic Credco to check my credit. I did not apply for a loan, mortgage, or pre-qualification with them. This inquiry was done without my knowledge or authorization, and its now hurting my credit score.

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 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA Dear : XXXX, I am writing to dispute inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). My consumer report includes late payment entries that I believe are incorrect and must be investigated. 


Creditor Name : XXXX XXXX Services Account Number : XXXX Reported Late Payment Date ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 



Reason for Dispute : The late payment ( s ) reported are inaccurate and not a true reflection of my payment history. Under the FCRA, all information furnished to the credit reporting agencies must be complete, accurate, and verifiable. At this time, I request that you provide : The original records or documents from the creditor verifying the accuracy of the late payment. 

The method by which this information was verified and the name/contact information of the party who verified it. 



If you are unable to verify this information within 30 days, the late payment must be deleted immediately from my credit report, as required by law. 



Please investigate this matter and provide me with written confirmation of the results. I also request an updated copy of my credit report showing the outcome of your investigation. 



Thank you for your prompt attention to this matter. 



Sincerely, 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 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all written off & charged off credit and did not provide me with a 1099C so I could write it off as income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all written off & charged off credit and did not provide me with a 1099C so I could write it off as income.

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