vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-09 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: ID

Complaint narrative:
This letter serves as my formal dispute regarding several inaccurate and damaging items currently being reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., Fair and Accurate Credit Transactions Act ( FACTA ), and other applicable federal regulations. I am requesting immediate action to remove the late payment notations and to permanently delete the bankruptcy listed on my TRANSUNION credit report. 

XXXX XXXX Account # : XXXX opened on XX/XX/XXXX, is reporting a 30-day late payment for XX/XX/XXXX. This is inaccurate, misleading, and does not reflect the full context or payment history of these accounts. I have consistently met the payment obligations and any delay, if recorded at all, was due to a system error or unreported crediting that has not been properly verified or substantiated. I formally dispute the legitimacy of the late payment reporting and request TRANSUNION to conduct a investigation under FCRA 611 ( 15 U.S.C. 1681i ). You are required by law to ensure that all items reported are accurate, complete, and verifiable. Failure to properly investigate or correct unverified data is a violation of FCRA 607 ( b ). 

XXXX XXXX XXXXXXXX Account # : XXXX, opened on XX/XX/XXXX, also inaccurately reports a 30-day late payment for XX/XX/XXXX. This account was either in a payment assistance or hardship program at the time, and such reporting during protected periods may violate CFPB Regulation B and the CARES Act, depending on when the payment accommodations were in effect. You are also reminded that under FCRA 602, consumer reporting agencies are mandated to maintain fairness, impartiality, and respect for the consumer 's privacy in assembling credit data. Reporting partial or misleading derogatory data without full investigation breaches these obligations.

The maximum allowable time to report negative data is governed by FCRA 605 ( a ) ( 1 ), which generally permits a bankruptcy to remain up to ten years. However, inaccurate, outdated, or misreported data surrounding a bankruptcy 's status, discharge, or inclusion of debts that were never part of the petition constitutes negligence or willful noncompliance under FCRA 616 and 617, especially when a consumer has not been afforded full investigation or proper verification.

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. This is a formal complaint against BMW FINANCIAL SERVICES a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
BMW FIN SVC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANSUNION LLC XXXX TRANSUNION Legal Department / TRANSUNION INTERACTIVE XXXX XXXX RESPONSE REQUIRED I hereby give notice that I HAVE initiated arbitration of my Fair Credit Reporting Act ( FCRA ) claims against TransUnion LLC. 
Under the binding arbitration clause in TransUnion 's consumer agreements and applicable XXXX XXXX XXXX Minimum Standards, TransUnion is responsible for all arbitration fees and costs, including the consumer filing fee. 
Key Point of Leverage ( Administrator Enforcement ) Arbitration administrators ( XXXX or XXXX XXXX  will refuse to administer if the business refuses to pay required fees or if the arbitration clause conflicts with consumer due process protections. 
This means TransUnion 's refusal or delay to pay automatically exposes the company to litigation in court, along with statutory damages under the FCRA ( 15 U.S.C. 1681 et seq. ).

Recent XXXX  clarifications confirm administrators can decline cases where cost allocation is unfair. In practice, this forces companies like TransUnion to pay all arbitration costs to avoid default. 
My Demands : 1. Immediate deletion of the inaccurate tradeline from my TransUnion credit file. ( XXXX, XXXX, XXXX, XXXX, XX/XX/2025 Late payment Fraudulently reporting on XXXX, Deleted all unverified and inaccurate reporting 2. Written confirmation that TransUnion will cover all arbitration fees, including the {$250.00} consumer filing fee charged by XXXX if ( 1 ) is not completed 3. Response within 7 days of this notice. 
Failure to comply will result in my filing with XXXX  ( or XXXX if applicable ) and seeking a binding award requiring TransUnion to : Pay all arbitration costs, Reimburse my filing fee, and Compensate me for statutory damages of {$1000.00} per violation, plus actual damages, attorney 's fees, and costs, as provided under the FCRA. 
If TransUnion fails to pay the required administrative fees, I will request that XXXX refuse administration clearing the way for me to pursue full litigation in federal court, where TransUnion faces the risk of class certification, XXXX statutory exposure, and regulatory enforcement by the CFPB, XXXX XXXX, DOJ, and FTC ( {$130000.00} - {$1.00} XXXX USD in fines TransUnion will be forced to pay at this level of litigation )

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 2025-10-09 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC. has willfully and blatantly violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by attempting to collect on an alleged debt that is both disputed, unverified, and potentially fraudulent. This agency has failed to produce proof of ownership, assignment, or legal standing to collect this alleged debt. They have not provided any contracts bearing my signature, nor any itemized breakdown of principal, interest, or fees. I also raised legitimate concerns that the alleged debt may have already been extinguished through insurance payouts, government relief, securitization, or tax write-offsall of which MIDLAND CREDIT MANAGEMENT INC. has completely ignored. Attempting to collect on a discharged or already compensated debt is an unlawful act of double recovery. By disregarding federal law and continuing collection activity without validation, MIDLAND CREDIT MANAGEMENT INC.

National Services is engaging in fraudulent, deceptive, and abusive practices. Their conduct also places them in violation of 15 U.S.C. 1692g, 15 U.S.C. 1692c ( c ), and 15 U.S.C.

1681s-2, while exposing me to unwarranted harm, harassment, and potential credit reporting damage. This company is knowingly violating consumer protection laws, attempting to intimidate and mislead me into paying on a debt they can not legally prove. Such reckless disregard for consumer rights demonstrates a pattern of abuse that demands immediate regulatory intervention. MIDLAND CREDIT MANAGEM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TX

Complaint narrative:
I am writing to formally dispute multiple accounts appearing on my credit report that I did not authorize, open, or manage. These accounts are not mine ; their presence on my credit report is inaccurate, misleading, and damaging to my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Innovate Managed Holdings, LLC
State: MO

Complaint narrative:
I refinanced my truck with Innovate Loan Servicing back in XX/XX/year>. Since then they have not sent a statement and on the website there is no way to look at my information. I have asked for the last few months for the information but they never get it to me. I call and they always tell me 24 to 48 hours before we can get it to you. A week or 2 will go by and still not information. Call again same thing. I am trying to trade my truck in and found out after almost 4 years I still owe more on my truck then what should be. They also do not report to the credit agencies. Not sure if that is legal or not. I called to get a a payment history a current statement and the signed documents. No luck. So I told them that I would not send in another payment until I received these forms. ( called on XXXX ) It took 3 phone calls this morning because they would hang up on me. They got mad at me etc. After I said I wouldn't pay any more until I got the paperwork, they hung up again but within 30 minutes I had the required paperwork. When looking at it, the bulk of my payments goes to interest. My last payment from Friday XXXX went to all interest and no principal. Looking back they have misapplied almost all the payments. I amortization schedule and I should have only appx {$9800.00} due on my truck. They say I still owe over {$21000.00}. To me this is potential fraud. I will never get this truck paid off with my entire payments going to interest. I am needing help with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing a complaint regarding Barclays Bank concerning my account. 

Before the hold was placed, I called to activate the card and informed them of upcoming transactions I intended to make. I also explained that previous payments had triggered security alerts because I am currently paying vendors in XXXX for my wedding next month. I was encouraged by Barclays to proceed with the payments, but when I attempted to do so, a hold was suddenly placed on my account. 

I have been told that in order to remove the hold or close my account, I must provide sensitive personal documents, including my Social Security card, drivers license, and tax forms, via mail or fax. I did not want to have to close this account, but I feel that I am being left no choice other than to send highly sensitive information through unsafe channels. I am extremely concerned about the risk of identity theft if I comply. 

Additionally, if I do not close the account, I am worried that I will be charged the annual fee, which feels unfair, given that I am unable to access or manage my account due to the hold. 

I have requested written documentation specifying exactly what documents are required and why, but Barclays has refused to provide any written documentation. They insist that the hold must be removed before I can close the account, effectively forcing me to choose between risking my personal information or paying fees for an account I can not use. 

I believe this practice is unsafe, coercive, and potentially violates federal consumer protection regulations. I request that the CFPB investigate this matter and ensure that Barclays provides a secure and lawful method to close my account, or allows closure without submission of sensitive documents via mail/fax. 



Sincerely, 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 2025-10-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Kriya Capital, LLC
State: MA

Complaint narrative:
XXXX said that I had to wait until XX/XX/year> since it hasnt been 3 months of cancellation yet. So technically this was never supposed to be in collections since the account is still open. So remove this collection from all credit bureaus immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-10-09 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: AL

Complaint narrative:
This complaint concerns XXXX XXXX XXXX verification of my identity and credit information using a copy of my XXXX  card and a copy of my government ID. My XXXX file was accessed without authorization by a local employee in Alabama, exposing all of my personal information. Additionally, the Social Security number on the loan application they are referencing is incorrect. 

I previously filed a CFPB dispute regarding this issue ( Claim # XXXX ). Despite this, XXXX XXXX XXXX has claimed that the information is accurate, which is false. Relying on this compromised and incorrect information for credit verification is factually incorrect and potentially harmful, as it affects my ability to obtain credit fairly and may propagate identity errors. I request that XXXX XXXX XXXX immediately cease using this information, verify my identity using accurate and lawful documentation, and correct or remove any records or decisions based on the breached XXXX data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief