vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-23 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: MD

Complaint narrative:
THIS CORRESPONDENCE SERVES AS FORMAL NOTICE OF WILLFUL AND ONGOING VIOLATIONS OF THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 16811681x ).

TRANSUNION IS NOT ABOVE FEDERAL LAW.

TransUnion has UNLAWFULLY REINSERTED AND/OR CONTINUED TO REPORT DISPUTED TRADelines AFTER PRIOR DELETION AND WITHOUT PROVIDING THE MANDATORY ADVANCE WRITTEN NOTICE AND CERTIFICATION REQUIRED UNDER 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This is a STRICT LIABILITY VIOLATION. 

The affected accounts include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX HAS ALREADY REMOVED THESE ACCOUNTS AND MAINTAINED DELETION. 
XXXX XXXX XXXX XXXX  XXXX CONFIRMED DELETION IN WRITING. 
Despite this, TRANSUNION CONTINUES TO REPORT OR REINSERT THE SAME DATA WITHOUT LEGAL AUTHORITY. 

This conduct constitutes : Willful noncompliance under 15 U.S.C. 1681n Negligent noncompliance under 15 U.S.C. 1681o Unlawful reinsertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Failure to honor identity-theft protections under 15 U.S.C. 1681c-2 ( FCRA 605B ) YOU ARE HEREBY PLACED ON NOTICE that continued reporting, reinsertion, delay, or mischaracterization of my disputes WILL RESULT IN IMMEDIATE CIVIL ACTION, including claims for STATUTORY DAMAGES, ACTUAL DAMAGES, PUNITIVE DAMAGES, ATTORNEYS FEES, AND COSTS. 

DEMANDS : 1. IMMEDIATE AND PERMANENT DELETION OF ALL IDENTIFIED TRADelines 2. WRITTEN CONFIRMATION OF COMPLIANCE 3. ABSOLUTE PROHIBITION AGAINST ANY FUTURE REINSERTION 4. PRESERVATION OF ALL RECORDS, AUDIT LOGS, AND COMMUNICATIONS FOR LITIGATION NO FURTHER VERIFICATION REQUESTS ARE AUTHORIZED. 
NO REINVESTIGATION IS PERMITTED IN LIEU OF STATUTORY COMPLIANCE. 

This notice is sent WITHOUT WAIVER OF RIGHTS and WITH FULL RESERVATION OF ALL FEDERAL AND STATE CLAIMS. 

Govern yourselves accordingly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX : XX/XX/year> Last 4 SSN : 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 2025-12-23 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: OK

Complaint narrative:
I have no personal or financial ties to these accounts ; delete them within 15 days per USC 1681g.

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 2025-12-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement br

eaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement br

eaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 explanation
Consumer complaint received 2025-12-23 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 have no involvement whatsoever with these accounts ; remove them within 15 days under USC 1681g.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have no connection to this account ; it appears on my report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX * * * * Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX * * * * Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) Office of the Comptroller of Currency and Federal Reserve Consumer Help as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
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  HARD INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  TransUnion

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I had two auto loan accounts with Toyota Financial Services. One loan was fully paid off prior to the events described below. 
After taking delivery of a second vehicle, I made payments intended for the active loan. Toyota Financial misapplied those payments to the already-paid-off account, causing the active loan to go unpaid through no fault of my own.

Toyota Financial acknowledged the error and stated they issued refund checks. However, this has happened more than once, and despite being told to wait, I have still not received my funds. It has been over a month and a half. 
This issue has caused financial stress, confusion between accounts, and required repeated calls with no resolution. I am requesting immediate correction, confirmation that my active loan is current, and prompt reimbursement of all misapplied funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MA

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-12-23 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:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports for the accounts listed below. I request that you investigate the discrepancies and update my credit file accordingly. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX DEPTEDXXXX  Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX  Account 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 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I requested written validation of the alleged debt, including the full itemized account history, proof of ownership and assignment, the original signed agreement, and documentation explaining how the current balance was calculated. I also requested documentation related to an unauthorized XXXX account opened without my authorization. This information was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
I am filing this complaint to demand immediate action regarding the continued presence of unauthorized accounts on my credit report. This is now my THIRD attempt to resolve this matter, and I am DONE with the incompetence and blatant negligence Ive encountered from the credit reporting agencies. 

The following unauthorized accounts are STILL showing up on my credit report, despite my previous disputes : XXXX XXXX Account Number : XXXX ) XXXX XXXXXXXX XXXX ( Account Number : XXXX ) I have followed every step to remove these fraudulent accounts, filed complaints, provided all required documentation, and adhered to all instructions. Yet, after XXXX attempts to have these accounts removed, they are still there, leaving me with no choice but to escalate this issue. This is unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ), which mandates accuracy and prompt resolution.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We deposited a check for {$150000.00} at Wells Fargo bank on XX/XX/year> in XXXX, TX. At that time, we were told that $ XXXX would be available on XX/XX/year> and the remainder on XX/XX/year>. No funds were credited on XX/XX/XXXX so I called Wells Fargo and they said nothing could be done because there was a hold on the check, but if we went to a local branch they could help. My husband XXXX made an appointment to meet with a banker in XXXX on XX/XX/XXXX. The banker said they could not help. I called later and spoke with the banker and she said to call the XXXX # on the debt card. In the meantime, we called the man who gave us the check ( we had worked with him previously ) and he said the check cleared his bank on XX/XX/XXXX. I again called the XXXX # and asked them where the money was as it had cleared his bank. They said they did not know where the money was & that they might have it but could not verify. They stated the money would not be available to us until XX/XX/XXXX. The issuer of the check even sent XXXX a copy of his bank statement proving that funds were released and the banker did not care.

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 2025-12-23 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-12-23 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: NJ

Complaint narrative:
this car ; oan has been paid off and title recived and XXXX has failed to advse the credit bureaus that he loan is paid in full, XXXX customer service has been NO ASSISTANCE at all, and does not comprehend what i am asking.

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 2025-12-23 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: NJ

Complaint narrative:
this car ; XXXX has been paid off and title recived and TRUIST has failed to advse the credit bureaus that he loan is paid in full, TRUIST customer service has been NO ASSISTANCE at all, and does not comprehend what i am asking.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
this car ; oan has been paid off and title recived and XXXX has failed to advse the credit bureaus that he loan is paid in full, XXXX customer service has been NO ASSISTANCE at all, and does not comprehend what i am asking.

Company response to consumer: Closed with explanation