vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. My personal information was stolen in XXXX XXXX. On XX/XX/XXXX, I filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX, Case No. XXXX, signed by XXXX XXXX XXXX XXXX XXXX XXXX I also completed an FTC Identity Theft Report, which I notarized. 

I have submitted this complete 605B package to TransUnion multiple times by certified mail and through the CFPB portal : FTC Identity Theft Report, notarized affidavit, signed police report, government-issued ID, Social Security card , and utility bill.

Despite this, TransUnion refuses to block the fraudulent accounts. Their stall tactics include : Claiming my documents do not meet requirements but refusing to say why. 

Telling me their system does not allow them to block these accounts. 

Claiming my drivers license was not legible even though a clear copy was provided.

Relying on creditor verification instead of following 605Bs requirement to block once a valid package is provided. 

Fraudulent accounts TransUnion continues to report : 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  and XXXX  have already blocked and deleted these same accounts using the identical documents. 

Harm Caused TransUnions unlawful refusal is causing ongoing harm : Lenders have denied me credit applications due to these false derogatory accounts. 

Other services requiring credit checks have also refused me, including insurance and rental opportunities. 

This has damaged my financial stability, credibility, and ability to obtain necessary credit and services.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-19 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: OK

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Throughout my whole loan with XXXX XXXX XXXX I never missed a payment. Now they are reporting derogatory remarks. I received the paid in full letter dated XX/XX/year> stating that the loan had been closed and paid in full. XXXX XXXX XXXX reported the balance as {$0.00} and closed to XXXX  on XX/XX/year>. On XX/XX/XXXX, they then reported a {$3100.00} balance. They then charged off the loan on XX/XX/year> for {$2300.00}. On XX/XX/year>, they reported derogatory remarks for XXXX and XXXX. 


My actions : I called them on XX/XX/XXXX and informed them I was given a paid in full letter and I emailed it to them. I was then informed that i would be given a call back from a XXXX. I called them again on XX/XX/XXXX because no one called me back and I spoke with a XXXX and he informed me that the loan was not paid and full and does not know how i got the paid in full letter. He says i have to pay the loan but I told he I was already informed it was paid off. They sent me an email of a balance due letter On XX/XX/year> and it was dated XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that these accounts be deleted TO WHOM IT XXXX CONCERN IN REFERENCE TO THESE ACCOUNTS LISTED BELOW : XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once an account is charged-off and sold no new late payments can legally accrue. 
PLEASE DELETE OFF MY CREDIT REPORT a XXXX bill can not legally be reported as an Installment account. This is a factual misrepresentation under FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ). 
I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : XXXX. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING XXXX. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE. 
XXXX. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL. 
FURTHERMORE, I WILL ALSO NEED : XXXX. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE XXXX. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD XXXX. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT XXXX NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY XXXX AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY XXXX. 
WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
XXXX charged my card after me and Venmo sat on the phone telling them my card was stolen and unauthorized i told Venmo not to let any more charges from them go through i reported my card stolen and they gave me a provisional credit the next day they took all the money back and left me with XXXX $ and then said I owed them XXXX $ XXXX paid the money but then disputed the entire charge of XXXX $ for 10 days ive been told that on the XXXX day I would receive my money back or a provisional credit they have done nothing they havent investigated or done anything and they are just stealing my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-19 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:
I am disputing multiple inaccurate late payments reported by my federal student loan servicer, XXXX XXXX XXXX XXXX during the COVID-19 forbearance period covered by the CARES Act. 

According to federal law and guidance issued by the U.S. Department of Education, all federal student loans were automatically placed into administrative forbearance starting XX/XX/XXXX through XX/XX/XXXX, with no payments due and no late payments to be reported to the credit bureaus. 

Despite this, my credit report reflects multiple XXXX, XXXX, XXXX, and even XXXX late payments on federal student loans during that time period. These are inaccurate, illegal under federal law, and are now severely damaging my XXXX XXXX and financial opportunities. 

The following student loan accounts show these false late payments : Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX These were federal loans that should have been in automatic forbearance. I was not required to make payments, yet these lates were still reported and never corrected. I submitted disputes and was told they were " verified, '' despite the clear CARES Act violations. 

I am requesting the Consumer Financial Protection Bureau to step in and require the Department of Education and/or XXXX to correct or delete these inaccurate late payments from my credit report immediately, as they are damaging and should never have been reported during a protected period.

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 2025-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
unauthorized hard inquires to the account, i have a FTC report with Report Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
unauthorized hard inquires to the account, i have a FTC report with Report Number 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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: RI

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. XXXX committed to addressing my past due balances and improving my financial habits.

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 2025-09-19 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: FL

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 agai
nst 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 2025-09-19 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:
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 agai
nst 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I received and email from XXXX on XX/XX/XXXX noting that they were trying to collect a debt. I sent a letter disputing the debt via post office certified on XX/XX/XXXX and they received XX/XX/XXXX to XXXX with the address on their website. I received no response by XX/XX/XXXX. On or around XX/XX/XXXX I get a new letter from the originally debt collector XXXX who I also asked for proof of debt. I got a letter today XX/XX/XXXX from another debt collector asking for the same thing. I am sending them a certified letter requesting proof of debt as well. When will this end? No one has sent me proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I submitted a timely Validation of Debt request to LVNV FUNDING LLC regarding Account Number : XXXX * for the alleged balance of {$960.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, LVNV FUNDING LLC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I negotiated a payoff plan with my attorney for $ XXXX until it was paid off. I borrowed {$3500.00} and they are asking me to repay {$4500.00}. Over {$1000.00} in interest which they refused to reduce. When I called to make a payment because my past attorney did not include how to do so, I spoke to XXXX, she said she would call the attorney I dealt with and call me back. She never called me back. When I called again I spoke to XXXX XXXX. He tried to intimidate me saying what's taking so long for you to make a payment, I see you were on our website looking at your balance. They only take debit/credit cards. I told him I did not have a debit card, well go get one he said, very condescending and unhelpful. I asked for XXXX he lied and said she's not working here anymore and told me to make the payment. I hung up. I have a payment plan on a letter from them but when I log in to my husbands account, no such payment plan is on there and they tell me just pay the {$80.00}. Well Today XXXX called harassing my husband on his phone, he is recovering. I thought she did not work there anymore, she also left a message on my phone saying I can help you set up the plan. Lots of scare tactics. I dont trust them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone XXXX have used my information to open up this account after it was leaked in the data breach

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 2025-09-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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