vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX and Transunion, two of the three major credit bureaus, have allowed my credit history to be " unlocked '' by fraudsters who are impersonating me in answering " randomly chosen '' security questions created by both bureaus. These security questions are not set by me and are answered by anyone that has obtained a copy of my Credit Reports. On the reports are addresses and telephone numbers used by the criminals. The fraudsters have tried to take out various personal loans on a daily basis over the past 2 weeks as well as requesting address changes and new credit cards for all of my 3 credit cards. A full blown " Identity Fraud assault '' is occurring... ( my second since my first in XXXX ). 
In order to add a 7 year Fraud Alert on my account to prevent the Fraudsters from using my credit, I am told by these agencies that I need a copy of my driver 's license as well as an FTC Report. When I mentioned " credit cards '' to the FTC Online site it sent me to your site ( CFPB ).

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 2025-04-18 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$830.00} BANKRUPTCY - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * XXXX - XX/XX/XXXX - {$8200.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-04-18 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:
XXXX XXXX, XXXXXXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-18 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-18 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:
CFPB Complaint : TransUnion LLC Date : XX/XX/year> Consumer : Me Company : TransUnion LLC Debt Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Case No : XXXX ( XXXX XXXX XXXX CA ) What Happened TransUnion is reporting a {$26000.00} rental collection account from XXXX XXXX XXXX XXXX XXXX XXXX behalf of XXXX XXXX XXXX XXXX XXXX 

This debt is based on an eviction case onlyno financial judgment was entered. The court case number is XXXX, filed in XXXX XXXX XXXX XXXX XXXX The case was for possession only, and I have attached the official minute order and register of actions confirming this. There is no XXXX code in the docket, which means no monetary judgment was ever issued. 

Despite receiving documentation of thisincluding the minute order, court docket, and opposition filingsTransUnion still marked this debt as verified with a balance of {$26000.00}. No lease, payment history, or court-ordered financial amount has been provided by the furnisher ( XXXX XXXX XXXX XXXX reviewed by TransUnion. 

XXXX XXXX was not the original law firm in the eviction case and did not litigate the matter. They substituted in after judgment and are now acting solely as a debt collector. TransUnion has allowed this post-judgment party to place and verify a high-value collection with no legal foundation. 

I am attaching these materials again to ensure they are reviewed. TransUnion must now provide a detailed explanation of what documentation was used in the verification process and justify its continued reporting of this account, given that no enforceable judgment exists. 

The amount being reported is unsupported, unaudited, and legally unenforceable, yet it is damaging my credit profile. 

Violations by TransUnion ( FCRA ) - XXXX ( a ) : Failure to conduct a reasonable reinvestigation after receiving notice of dispute. 
- XXXX ( b ) : Failure to maintain maximum possible accuracy of consumer report. 
- XXXX ( b ) : Continuing to report information that has been proven inaccurate or unverifiable. 

* * * * * I am re-submitting the complete set of legal documents that were previously sent to TransUnion, including court records proving there is no monetary judgment. I am asking TransUnion to explain how this debt was verified and what specific documentation was reviewed. The debt continues to be reported with no valid court order, lease, or payment ledger to support it.

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 2025-04-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
In XXXX I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA. When I moved out in XXXX of XXXX, I was presented a larger than expected move-out statement. This bill discussed repairs I do not believe were accurate. I took a video of the apartment when I moved out which I can provide, showing it in great condition ( better than when I moved in ). When I moved into the apartment, it wasn't anything like the model they showed me- it was filthy and I created a lot of work orders at first so they could clean and fix the things they had not done before I arrived. When I was presented the bill at the end I reached out to the XXXX company and spoke to a representative over the phone named XXXX XXXX. I emailed him after this interaction and will provide the screen shots below. I did not hear anything after this, and 10 days later I reached out again wondering if things had been resolved so I could pay for the accurate move-out costs. Still no response. Over a year later in XXXX of XXXX I receive notification from a debt collector Genesis Debt Recovery attempting to collect the amount XXXX XXXX said I owed them. I had never heard anything back from them to resolve the issue and randomly got a debt XXXX notice a year later. I was upset and reached back out to Genesis describing what I am saying now, everything that happened and how I had attempted to resolve the issue with the company directly but was ignored. I never heard back from Genesis Debt Recovery, and later on saw my XXXX  credit report had been affected by the collection attempt. I spoke to XXXX, explained what happened and asked what I could do. They led me to this website where I am now submitting a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I received a report from XXXX stating that this account was on my report. I have no knowledge of this account, and it needs to be removed due to my identity being utilized improperly.

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 2025-04-18 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, TX XXXX XXXX DISTRIBUTION FOUNDATION F XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} Charged off XXXX XXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} XXXX off SERVICE FINANCE COMPAN XXXX * Date Opened : XX/XX/XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX off

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 2025-04-18 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: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX'I do not have any open accounts with the following companies, nor did I authorize a hard inquiry on my credit from the following companies:XXXX XXXXInquired XXXXInquired XXXXInquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
XXXX'I do not have any open accounts with the following companies, nor did I authorize a hard inquiry on my credit from the following companies:XXXX XXXXInquired XXXXInquired XXXXInquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I had to evacuate Florida due to a hurricane, and went to the XXXX XXXX. I tried depositing a check from a client and Td Bank flagged it for fraud back in XXXX around the XXXX of 2025. Ive had to call numerous times both the support number and local branches in Massachusetts where I no longer live. Its been a few months and they tied up my clients check and wouldnt give it back to either of us even though they said they were going to close my account and return my money to me. A couple of weeks later when I called back to check, they decided not to close my account but shut down access to my debit cards and there was a debit for my clients check that went somewhere that they would not tell me. 

Within the last two weeks, they finally complied with our request for some form where my client could receive her money back. But during this time, my account was for some reason flagged by some special fraud department again, and only a branch manager can contact these people so they are insisting that I fly to the XXXX XXXX and be physically present in a Td Bank in Massachusetts. Otherwise, they will not tell me why its flagged for fraud. They will not close my account return my money to me they will not provide me any information and basically or just holding my account hostage. 

When I tried calling the local branch as the customer support hotline told me and insisted I do the gentle manager. XXXX actually yelled at me and asked why I didnt close my account before I travel to the XXXX XXXX for XXXX reason I had to evacuate during a hurricane and the second reason is in XXXX I have Td Bank as a customer from the XXXX XXXX XXXX the XXXX XXXX XXXX so I did not realize I was not able to use my bank account unless I was in the state of Massachusetts or Florida . 

At this point both parties tell me theres nothing they can do. They will not give me back my money unless I physically travel to Massachusetts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-18 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Bank : Account number XXXX Balance {$5200.00} Date opened XX/XX/XXXXXXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I attempted to log in to my Aidvantage web portal to make my student loan payment. Upon sign in I was met with an updated terms of service that included extremely vague language regarding government entities that will be auditing and will have access to my personal data. These terms do not clarify who these parties are or why they would be investigating my accounts. Upon declination of these terms I was ejected from the website and not allowed to log-in to make my payment. When I attenpted to contact them ( not using the phone since I want the response in writing ) their portal wanted me to sign in but not before agreeing to the new terms of service. 

I do not understand how I am supposed to decline these terms and still make my payments or even get information regarding my loans. 

I do not accept that an unnamed party can have access to my personal and private information. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Reach Financial LLC
State: IL

Complaint narrative:
I opened with Reach Financial on XX/XX/year>. The representative verbally told me that the Annual Percentage Rate would be about 20 %, which significantly influenced my decision to proceed with the loan. However, after signing and reviewing the documentation, I discovered that the actual APR disclosed in the written agreement is 25.195 %. This is a material difference from what I was told, and had the accurate APR been disclosed to me up front, I would not have agreed to the loan under these terms. This discrepancy constitutes a serious misrepresentation of loan terms and may be in violation of the Truth in Lending Act, which requires clear and accurate disclosure of credit costs before agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief