vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  claimed I owed {$57.00} on a credit card. I immediately disputed this and requested itemized proof ( dates, merchants, amounts ). To this day, XXXX has never provided supporting documentation. 
From XXXX through XXXX, I repeatedly contacted XXXX and federal resources to resolve the issue. Instead of furnishing proof, XXXX : Closed my credit card account without explanation. 
Withheld earned rewards credits ( approx. {$20.00} ) that should have been applied to my account. 
Placed me on a do-not-call list and repeatedly hung up on me when I attempted to resolve the dispute ( I have audio recordings as evidence ). 
In XXXX, despite their failure to provide any verification, XXXX reported the disputed {$57.00} to XXXX. This action unfairly tarnished my credit score. 
XXXX  has since closed my disputes without requiring XXXX to provide proof, in violation of the Fair Credit Reporting Act ( FCRA 611 ), which requires a reasonable investigation and deletion of unverifiable accounts. 
Summary of harm : My credit report now reflects a debt that XXXX has never substantiated. 
I have been denied fair treatment and transparency in my attempts to resolve this matter. 
XXXX  conduct has caused financial and reputational harm over a dispute of only {$57.00}, while withholding rewards they owed me. 
Requested resolution : Require XXXX  to provide full transaction-level proof of the alleged {$57.00} balance. 
If XXXX can not furnish proof, require XXXX  to delete this item from my credit report. 
Require XXXX  to return or credit back the withheld rewards points ( ~ {$20.00} ). 
Ensure both XXXX and XXXX  comply with their obligations under the FCRA to investigate and report accurately.

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 2025-09-15 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: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX, XXXX, XXXX XXXX and XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE 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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal loan/purchase XXXX XXXX XXXX  loan/purchase XXXX XXXX XXXX loan/purchase These werent made by me or on my behalf. Please remove them and secure my account so it doesnt happen again. Let me know if you need any more details from me. 
Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I dispute the accuracy and completeness of the following accounts on my TransUnion credit file. The reported information conflicts with the actual payment history and is inaccurate and misleading : Creditor Balance Last Payment Date Inaccuracy XXXX XXXX XXXX {$8800.00} XX/XX/XXXX CO entries extend long after last payment date. 
XXXX XXXX XXXX {$3900.00} XX/XX/XXXX Charge-off marks inconsistent with payment grid. 
XXXX XXXX {$800.00} XX/XX/XXXX ND/CO entries conflict with last payment date. 
XXXX XXXX XXXX {$2500.00} XX/XX/XXXX CO status months inconsistent with last payment date. 
XXXX XXXX ( XXXX ) {$2400.00} XX/XX/XXXX Paid/closed, yet CO entries linger after closure. 

Under FCRA 1681i ( a ) and 1681e ( b ), TransUnion must : Conduct a reasonable reinvestigation of each item.

Identify the furnisher ( s ) and describe the procedure used to verify accuracy ( the who, what, where, when, and why ).

Delete or correct any information that can not be verified within 30 days.

TransUnion has previously faced regulatory action for failing to conduct proper investigations ( In the Matter of TransUnion LLC, FTC Docket No. XXXX ( XXXX ) settlement requiring improved reinvestigations ). This history underscores your obligation to perform a thorough, independent reinvestigation in compliance with FCRA 1681i ( a ).

Failure to conduct a meaningful investigation is a violation. Courts have repeatedly held that a perfunctory or sham investigation violates the FCRA : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than parrot furnishers. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) inadequate reinvestigations expose CRAs to liability. 

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) failure to reasonably investigate inaccurate information violates FCRA XXXX 

If TransUnion can not verify these tradelines with competent evidence, you are required to delete them from my report. Continued reporting of unverifiable or inaccurate data exposes TransUnion to damages, attorneys fees, and costs under 15 U.S.C. 1681n and 1681o.

Please provide me with : The written results of your reinvestigation.

The name, address, and telephone number of each furnisher you contacted.

The method and evidence you relied upon to verify each account.

Thank you for your prompt compliance with federal law.

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 2025-09-15 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:
I am writing this complaint to the Consumer Financial Protection Bureau ( CFPB ) because my credit report from Equifax shows many credit checks that I did not ask for. I am a victim of identity theft. Someone else used my personal information without my permission, and now my credit report is full of mistakes. 
What Happened I checked my credit report and saw that many banks and companies looked at my credit, but I never gave them permission. I dont know these companies, and I never asked them for credit. This means someone else is pretending to be me. 
My Identity Theft Report I already filed an identity theft report with the FTC/police. The law ( 15 U.S.C. 1681c-2 ) says that the credit bureaus must block and remove information that comes from identity theft within 4 days after I give them proof.

The Laws They Broke 15 U.S.C. 1681b ( c ) : Nobody is allowed to check my credit unless I say yes or if there is a real reason. These checks were done without me.

15 U.S.C. 1681c-1 ( a ) ( 2 ) : I have a fraud alert on my file. Companies should double-check before giving credit. They didnt.

15 U.S.C. 1681c-2 : Credit bureaus must block bad info caused by identity theft. They didnt.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must check again when I tell them something is wrong. They failed to do this. 
Unauthorized XXXXXXXX XXXX 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


1. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX 2. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX 3. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX 4. Under penalty of perjury I swear this account is false and misleading XXXX  XXXX Account Number : XXXX 5. Under penalty of perjury I swear this account is false and misleading XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
Toyota Financial Services have made claim that an alleged debt was off and therefore they produce the 1099c which shows that the alleged debt was cancelled with the Internet Revenue Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The investigation did not fix an error on your report

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 2025-09-15 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I am working with XXXX XXXX directly to fix this debt so there should not be a debt collector sending letters to my address, my credit card was stolen and I lost my card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered multiple credit inquiries that I did not authorize, request, or approve. These inquiries are fraudulent, and their presence is a direct violation of my consumer rights and privacy under federal law. I am extremely concerned that my personal information has been used without my consent, possibly due to identity theft. Under the Fair Credit Reporting Act ( FCRA ), these inquiries are unlawful for the following reasons : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy and confidentiality of my personal credit information.

15 U.S.C. 1681b : States that no consumer reporting agency may furnish a consumer report unless it is for a permissible purpose and with the consumers written authorization. I never provided authorization for these inquiries.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. These inquiries are inaccurate and unauthorized.

The listed inquiries violate these federal protections and negatively impact my credit profile. As a victim of identity theft, I demand that these unauthorized inquiries be immediately removed from my credit report to prevent further harm.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Date : XX/XX/XXXX To the Consumer Financial Protection Bureau : I am submitting this complaint against Equifax Information Services, LLC regarding their improper handling of my credit dispute. 

On XX/XX/XXXX, I received a letter from Equifax claiming that my disputes regarding XXXX XXXX XXXX ( Acct ending in XXXX ) and XXXX XXXX ( Acct ending in XXXX ) were frivolous. 

Equifax refused to provide any documentation, contracts, or validation demonstrating how these accounts were verified as accurate. Instead, they issued a boilerplate response that does not satisfy the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 3 ).

15 U.S.C. 1681i ( a ) ( 1 ) : Requires a reasonable reinvestigation of disputed items.

15 U.S.C. 1681i ( a ) ( 3 ) : If a CRA determines a dispute is frivolous, it must provide specific reasons for the determination and identify what additional information is required. Equifaxs letter did neither.

15 U.S.C. 1681e ( b ) : Requires maximum possible accuracy in reporting. Equifax continues to report contradictory balances and statuses for these accounts across different platforms ( Equifax vs. XXXX  XXXX  ).

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If an item can not be verified, it must be deleted. Equifax has not provided proof of verification. 

Pattern of Negligence : Equifax is attempting to avoid its legal obligations by dismissing my disputes without a proper investigation. This is part of a broader pattern of negligence, consistent with their history of mishandling consumer data, including the XXXX Equifax data breach that compromised the personal information of over XXXX XXXX Americans. 

I request that the CFPB require Equifax to : 1. Conduct a full and reasonable reinvestigation of both accounts.

2. Provide me with complete documentation from the furnishers, including contracts bearing my signature and full payment histories.

3. Delete both accounts ( XXXX XXXX XXXX and XXXX XXXX ) from my credit file if verification can not be produced. 

4. Ensure Equifax complies with 15 U.S.C. 1681i and does not continue to stonewall disputes by labeling them frivolous without lawful justification. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information reported on this XXXX XXXX account is inaccurate. The balance/date/status is incorrect. Please investigate and correct or delete this item under FCRA 611. If this account cant be verified with the original contract please delete this tradeline from appearing on my credit report.

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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The information reported on this XXXX XXXX account is inaccurate. The balance/date/status is incorrect. Please investigate and correct or delete this item under FCRA 611. If this account cant be verified with the original contract please delete this tradeline from appearing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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 tried multiple times to dispute it directly to TransUnion, but no response. This CFPB complaint has been filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). You, the TransUnion credit reporting agency, must block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, and another account opened at XXXX on Behalf of XXXX XXXX on XX/XX/XXXX, and a personal loan account opened at XXXX XXXX XXXX  XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the accounts above, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the 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 explanation