vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as my final demand for the permanent deletion of the following closed and charged-off accounts from my credit report. These accounts are inaccurate, unverifiable, or time-barred, and your continued reporting of them constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and New York General Business Law . 

Despite multiple formal disputes, the bureaus have failed to provide any legitimate verification or documentation. I see deceptive effort to re-age them and inflict ongoing damage to my credit profile. 

Accounts to be Permanently Deleted : 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 You Are Violating the Following Laws : FCRA 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable information FCRA 15 U.S.C. 1681c : Illegal re-aging of negative items FCRA 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to disclose the reinvestigation method NY XXXX XXXX : Reporting time-barred accounts more than XXXX XXXX XXXX NY XXXX XXXX : Engaging in unfair and deceptive business practices I am demanding that you : 1. Permanently delete all listed accounts from my Experian credit file ; 2. Provide written confirmation of their removal ; 3. Confirm that these accounts will not be reinserted, resold, or reassigned under any name or collection agency.

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 2025-07-16 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: NY

Complaint narrative:
To Whom It May Concern, This letter serves as my final demand for the permanent deletion of the following closed and charged-off accounts from my credit report. These accounts are inaccurate, unverifiable, or time-barred, and your continued reporting of them constitutes a willful violation of the Fair Credit Reporting Act ( FCRA ) and New York General Business Law . 

Despite multiple formal disputes, the bureaus have failed to provide any legitimate verification or documentation. I see deceptive effort to re-age them and inflict ongoing damage to my credit profile. 

Accounts to be Permanently Deleted : 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 You Are Violating the Following Laws : FCRA 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation FCRA 15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete unverifiable information FCRA 15 U.S.C. 1681c : Illegal re-aging of negative items FCRA 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to disclose the reinvestigation method NY XXXX XXXX : Reporting time-barred accounts more than XXXX XXXX XXXX NY XXXX XXXX : Engaging in unfair and deceptive business practices I am demanding that you : 1. Permanently delete all listed accounts from my Experian credit file ; 2. Provide written confirmation of their removal ; 3. Confirm that these accounts will not be reinserted, resold, or reassigned under any name or collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
a account was opened in my name and im just now realizing it after all these years it states a secured card was opened XX/XX/year> I have lost mty wallet a few times with my id and social in it so i think thats how my infromation was accessed but im not sure it was for a credit limit of XXXX and was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am filing a complaint against TransUnion for deceptive subscription practices, violations of a XXXX CFPB law enforcement order, and continued reporting of negative items without proper investigation or verification. Despite being under legal orders, TransUnion has continued using digital dark patterns, failed to remove negative tradelines, and obstructed cancellations. I demand immediate deletion of all negative items from my credit report. If not resolved, I intend to pursue legal action under FCRA ( 15 U.S.C. 1681 ) and CFPB Act ( 12 U.S.C. 5531 ).

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
OneMain Opened XX/XX/XXXX Date updated on XX/XX/XXXX. Balance of {$3000.00} Original Creditor ( OneMain ) Creditor is currently reporting on my credit report that I have no knowledge of. I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is a result of identity theft and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this accounts have been permanently deleted from all credit files you maintain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am responding to your contact about an alleged debt you are trying to collect. You contacted me by [ phone/mail/email ], on XX/XX/2025 and identified the alleged debt as [ credit card debt ]. 
Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. 
The name and address of the original creditor and any other names used. 
A copy of the original contract or other agreement. 
The name of any other person that is or was required to pay the alleged debt. 
The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. 
State the amount of the alleged debt when you obtained it. 
State the date when you obtained the alleged debt. 
Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. 
Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. 
Provide an itemization showing any payments since the last billing statement from the original creditor. 
State when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
State when you think the statute of limitations expires for this debt, and how you determined that. 
Details about your authority to collect this debt, including : Provide the number of any license to collect debt in [ insert name of the state where you live ] and the name of the issuing agency. 
Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency. 
Please treat this debt as disputed until you provide the information requested. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) ( XXXX ) Subject : Identity Theft Request to Block Fraudulent Accounts Under 15 U.S. Code 1681c-2 To Whom It XXXX Concern, I am writing to dispute several fraudulent accounts that appear on my credit report. These accounts are the result of identity theft and were not opened or authorized by me. I am requesting that they be blocked from my credit file as required under 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). 

The following accounts are fraudulent : XXXX Funding Collections Acct # : XXXX XXXXXXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX 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 2025-07-16 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: AZ

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) ( XXXX ) Subject : Identity Theft Request to Block Fraudulent Accounts Under 15 U.S. Code 1681c-2 To Whom It XXXX Concern, I am writing to dispute several fraudulent accounts that appear on my credit report. These accounts are the result of identity theft and were not opened or authorized by me. I am requesting that they be blocked from my credit file as required under 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ). 

The following accounts are fraudulent : XXXX Funding Collections Acct # : XXXX XXXXXXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against GM Financial Regarding Lease Turn-In and Credit Reporting Violations To Whom It May Concern : I am writing on behalf of XXXX XXXX XXXX XXXX XXXX resident of XXXX, Texas, to file a formal complaint against GM Financial in regard to their deceptive and injurious handling of her XXXX XXXX XXXX XXXX turn-in, and their subsequent actions which have harmed her credit integrity and violated multiple consumer protection principles. 

In XXXX, due to an unforeseen divorce and resulting financial hardship, XXXX XXXX made the responsible and proactive decision to contact GM Financial to seek voluntary termination of her lease agreement. She was advised by a GM Financial customer service representative that the vehicle could be voluntarily surrendered at a participating XXXX dealership in Texas, with no adverse impact on her creditworthiness. This assurance was not only verbally stated by the GM Financial representative but was witnessed and verified by her financial advisor present on the call. Furthermore, XXXX XXXX complied with all directives provided, including the proper documentation of the turn-in and the acquisition of a receipt at the dealership. 

Despite fulfilling all obligations in good faith, and relying on the material representation provided by GM Financial that the turn-in would not negatively impact her credit, XXXX XXXX has since discovered that late payment notations and derogatory marks have been reported to the major credit bureaus ( XXXX XXXX XXXX XXXX  ) XXXX which now severely hinder her ability to purchase a vehicle through other lenders. This action is in direct contradiction to the assurances she was given. 

This misrepresentation and subsequent reporting may constitute a breach of verbal contract, negligent misrepresentation, and possible violations under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act. XXXX XXXX was neither delinquent in a manner that warrants punitive reporting, nor was she given appropriate disclosures regarding the credit implications of the surrender. She was led to believe, and has documentation and a witness to prove, that her compliance with the surrender protocol would release her from financial liability and protect her credit integrity. 

Additionally, this inaccurate and damaging credit reporting has caused XXXX XXXX unnecessary emotional distress, further hardship in the aftermath of her divorce, and inability to obtain essential transportation to support her family. This harm was entirely preventable had GM Financial honored its verbal agreement and appropriately documented her lease return status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-16 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TN

Complaint narrative:
numerous inaccuracies are being reported to my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Incorrect names was added to credit report. I do not know how my name was transpired and/or commas was added. TransUnion has not corrected my name.

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 2025-07-16 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: NJ

Complaint narrative:
Immediately and permanently delete the fraudulent account listed below, as I did not open or authorize it and it was the result of identity theft : XXXX Account Number : XXXX Block all identity theftrelated data in compliance with 15 U.S.C. 1681c2 within XXXX business days, as I have already submitted the required documentation ( FTC Identity Theft Report, ID, XXXX, proof of address ). 

Send me written confirmation that the fraudulent item has been removed and blocked from my credit report. 

Issue a corrected and updated copy of my credit report reflecting these deletions. 

Failure to take these actions would be a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), and I will pursue further legal remedies as necessary.

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 2025-07-16 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: OH

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. 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 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 2025-07-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX  are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation