vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 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: AZ

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-03-16 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: TX

Complaint narrative:
The inaccurate information pertains to a charge off, that appears on my credit report. According to the information provided. The charge off doesn't belongs to me. And I believe that it has been mistakenly reported The specific details of the charge-off that I disputes are. 

1.Date Last reported 2.Date Open 3.Date of last activities 4.Date of last payment 5.Payment History 6, 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 non-monetary relief
Consumer complaint received 2025-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to inform you that I have received a computer-generated response asking for more details. Because it doesn't specify the needed information or provide a space for submitting the extra information, I also think that this is a stall tactic on your part to give you another 30 days to fulfill my initial request. 
I have requested documentation of the alleged item, such as the original application, contract, note, or other document with my signature and payment history, from all creditors who have fraudulently reported material on my credit file. Within fifteen days, kindly supply this information. This agency is breaking the 15 U.S.C. 1692g. They had five days to give me written notice, but I didn't. I can only validate this debt as the original creditor. I do not validate this debt. Consequently, the accounts listed below need to be removed from my report. The previously mentioned actions will be done against your firm if you do not reply satisfactorily by deleting the account above and providing a free copy of my report after the modifications have been made.

According to 15 U.S.C. 1692g validation of debt, these accounts are erroneous. My credit file has been receiving incomplete and inaccurate account information from them. Additionally, the collector violated 15 U.S. Code 1692k, Civil Liability, in their attempt to collect a debt that is not mine.

. I am keeping a thorough record of my correspondence with you to file a complaint with the FTC if the non-compliance persists. For instance, they might be held accountable for your deliberate non-compliance in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ). Additionally, they might be held accountable for fraudulent reporting in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). Laws governing credit reporting ensure that agencies report only entirely correct credit data. Every precaution must be taken to guarantee that the data supplied is wholly true and accurate. Therefore, it is necessary to reinvestigate the following information.

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 2025-03-16 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: GA

Complaint narrative:
Tried disputing with equifax etc about charges on my credit that isnt mine

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 2025-03-16 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX or so, I got copies of my credit reports from all three bureaus. In the past, I only pulled my XXXX report in which all information was correct. I found several accounts from creditors such as XXXX XXXX XXXX and Affirm that are incorrect and don't belong to me from XXXX and XXXX. I have already been in contact with Affirm and have had several phone calls with them giving them my statement and trying to find out any additional information as it also helps me. Affirm confirmed that if anything was needed from me, they would let me know. I first spoke to a supervisor with Affirm by the name of XXXX XXXX on XX/XX/XXXX. With XXXX, I have been unsuccessful in speaking to a person. On Monday, XX/XX/year>, I typed up a letter and sent to their address giving them my statement with all the information I currently have and asked if someone could call me. The weird part of this is that I never received any notification of the delinquent accounts, had I received anything or know about these I would have addressed this sooner. In the ongoing communication with Affirm on XX/XX/year> I was told that I am still held responsible for the accounts on file with them. I had XXXX separate phone calls on XX/XX/XXXX in which during the last call I was hung up on. On XX/XX/year> I then called again because they haven't been able to give me any of the information that I have asked for. I asked if they could send me what proof of verification they completed to make sure this was me opening accounts when this happened. The representative by the name of XXXX XXXX stated that only my last four of my social were verified. I asked how that determines that I'm still held responsible if that's the only verification they completed. I asked XXXX I would need a report or letter giving the statement of verification methods that were used and she confirmed only the accounts and balances would show on this statement. They are unable to provide proof of verification but yet concluded I'm responsible for the accounts. Several accounts were opened under my name that total about {$1000.00}. I have still had no luck in speaking to anyone from XXXX  but I can confirm I have mailed the dispute letter and physical copies of reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Central Research Inc
State: NC

Complaint narrative:
This complaint is about Central research inc. 

-Added interest during government enforced payment pause. 

-Opened account in my name without any communication or consent. 

-opened student loan for unknown amount in my name -Reported me to credit bureaus for late payments on loan terms that expired in XXXX ( 120 month term ) started in XXXX -Forcing me to give my SSN for loan details. 

Again I can't get any details about a loan opened IN MY NAME and WITHOUT my knowledge or permission without giving this company ( which is probably a scam ) my SSN THIS IS FRAUD. XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Report Act ( FCRA ), 15 U.S.C. 1 - U.S. C, 1681i, which mandates a reasonable investigation disputes. Furthermore, Transunions action may also contravene the consumer Financial Protections Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent Administrative proceeding ( File No. XXXX ) again them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXXXXXX XXXX XXXX is not a credit account, it is a public record that is not verified by the courts per attached document below.The XXXX XXXX has no interaction with credit bureaus, including Equifax, TransUnion, and XXXX. The XXXX  XXXX does not report information regarding XXXX  cases to credit bureaus and does not verify the accuracy of information regarding XXXX  cases held by credit bureaus.

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Was receiving calls from Portfolio Recovery. Never told me original debtor on XXXX XXXX, XXXX sent a cease and desist letter and asked for validation of debt. 

Sent emails on XXXX XXXX XXXX Still have not received anything. 

They respond with automatic responses. 

On XXXX they said was mailing it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
I currently have XXXX inquiries I need removed from credit, as I don't current recognize any of these accounts or have anything open with them. 

ALLY FINANCIAL Inquiry date XX/XX/year> XXXX XXXX XXXX date XX/XX/year>XXXX XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX  Inquiry date XX/XX/year> XXXX XXXX XXXX Inquiry date XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a XXXX  on XX/XX/XXXX from a debt collector, and I can't figure out if it's spam or if I am a victim of identity theft. 

The letter is from XXXX XXXX XXXX and it references non-payment for $ XXXX debt to Synchrony Bank Paypal Credit . It says a payment was made to the account in XXXX of XXXX and default started in XXXX of XXXX. 

I did take what I thought/think was a spam call several months ago about the same debt. I argued with them on the phone that I have never had a Paypal account. We couldn't get past the fact that I wouldn't give them my personal information over the phone and they got more aggressive as the call went on so I ended it and forgot about it. 

This week when I got the letter, I checked out XXXX XXXX online and it looked legitimate. I got on a chat with them and it went about the same as the phone call - I continued to ask what I could do to contest the debt because it was not mine and they continued to ask for personal information to confirm my identity. It seemed to be a real person and not a bot. They did not seem concerned with my concern, and the chats got more aggressive as I continued to refuse to give my personal information. We finally got hung up on the fact that my name on the letter and in their system is " XXXX XXXX ''. I told them that is not my legal name and so they decided they could not tell me more because it was not my account. They said that they had sent me several items by mail, but I only received the XXXX  XXXX listed. The XXXX  XXXX did not require a signature to confirm delivery, which I understand is a requirement of actual credit non-payment letters. 

I checked my credit scores and they are all still " great ''. The debt is not listed anywhere but there is a XXXX XXXX on XXXX of the XXXX reports that in XXXX of XXXX SYNCB/PAYPAL did a credit checkXXXX XXXX XXXX XXXX XXXX  all show Clean Slate. XXXX out of XXXX reports show a clean slate on XXXX Inquiries. 

I have searched my email and bank account for Paypal payments or emails ( especially around XX/XX/XXXX ) and found nothing, and I know I have never set up a paypal account. 

Thank you

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 2025-03-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently filed a dispute with Chase Bank regarding an unauthorized charge on my account. However, Ive noticed that the dispute has appeared on my credit report, and I am not sure why. I did not authorize this transaction. In addition to this, my student loans and late payments from Chase have also negatively impacted my credit report. I do not believe the information reported is accurate. I filed a dispute with XXXX, but they denied to follow up on my investigation despite clear discrepancies on my report. Recently, I learned that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for allegedly accepting unreliable information and failing to notify consumers of the results. This lawsuit aligns with my situation, as XXXX has not attempted to correct or remove the inaccurate information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I recently filed a dispute with XXXX XXXX  regarding an unauthorized charge on my account. However, Ive noticed that the dispute has appeared on my credit report, and I am not sure why. I did not authorize this transaction. In addition to this, my student loans and late payments from XXXX have also negatively impacted my credit report. I do not believe the information reported is accurate. I filed a dispute with XXXX, but they denied to follow up on my investigation despite clear discrepancies on my report. Recently, I learned that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for allegedly accepting unreliable information and failing to notify consumers of the results. This lawsuit aligns with my situation, as XXXX has not attempted to correct or remove the inaccurate information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my student loan payment history on my credit report by Experian, Equifax, and TransUnion. Specifically, my credit report contains incorrect delinquency notations, which are negatively affecting my credit score. I have attached a screenshot showing these inaccuracies for reference. 

The inaccurate information includes : Incorrect reporting of 90-day, 120-day, and 150-day late payments for my student loan, which are false and should not be reflected on my credit report. 
Discrepancies in how payments are marked as " ND '' ( No Data ) in some years, while sudden late payments appear without justification. 
Failure to update or verify the accuracy of the reported delinquencies. 
These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as they fail to meet the legal standard of accuracy and fairness required by law. Furthermore, the CFPB recently imposed new fines and penalties against credit bureaus for failing to properly investigate disputes and correct inaccurate information, reinforcing my concerns about their negligence. 

Requested Resolution : Immediate correction or removal of the inaccurate delinquency notations. 
A formal investigation into why this false information was reported. 
Assurance that my credit report reflects accurate and verified information in compliance with FCRA guidelines. 
I am requesting that the CFPB investigate this matter promptly and ensure that Experian, Equifax, and TransUnion correct their records. I would appreciate a timely response and resolution to this issue. 

Thank you for your time and assistance. 

Attachments : Screenshot of the inaccurate credit reporting ( attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: PA

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my student loan payment history on my credit report by Experian, Equifax, and TransUnion. Specifically, my credit report contains incorrect delinquency notations, which are negatively affecting my credit score. I have attached a screenshot showing these inaccuracies for reference. 

The inaccurate information includes : Incorrect reporting of 90-day, 120-day, and 150-day late payments for my student loan, which are false and should not be reflected on my credit report. 
Discrepancies in how payments are marked as " ND '' ( No Data ) in some years, while sudden late payments appear without justification. 
Failure to update or verify the accuracy of the reported delinquencies. 
These errors are in violation of the Fair Credit Reporting Act ( FCRA ), as they fail to meet the legal standard of accuracy and fairness required by law. Furthermore, the CFPB recently imposed new fines and penalties against credit bureaus for failing to properly investigate disputes and correct inaccurate information, reinforcing my concerns about their negligence. 

Requested Resolution : Immediate correction or removal of the inaccurate delinquency notations. 
A formal investigation into why this false information was reported. 
Assurance that my credit report reflects accurate and verified information in compliance with FCRA guidelines. 
I am requesting that the CFPB investigate this matter promptly and ensure that Experian, Equifax, and TransUnion correct their records. I would appreciate a timely response and resolution to this issue. 

Thank you for your time and assistance. 

Attachments : Screenshot of the inaccurate credit reporting ( attached )

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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I have hard inquiries on my report that I did not initiate. It was only when looking at my report that I became aware of these they are as listed below. There is an inquiry from XXXX that I did initiate via XXXX on XXXX XX/XX/year> this XXXX way me the XXXX below were not. 

ALLY CREDIT CARD XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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