vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: MO

Complaint narrative:
TransUnion is willfully reporting false, unverifiable, and contradictory information in violation of the Fair Credit Reporting Act and Metro 2 compliance standards. Despite multiple disputes and an open CFPB case ( ID # XXXX ), TransUnion continues to publish inaccurate data that XXXX  and XXXX  have already deleted for failure to verify. 

XXXX XXXX Credit Card Acct # XXXX XXXX deleted this account on XX/XX/XXXX and XXXX  deleted it on XX/XX/XXXX after failing to verify. 

TransUnion continues to report it with a {$0.00} balance, contradictory charge-off and collection coding, and an unauthorized partial settlement remark. 

The tradeline is coded simultaneously as closed and charge-off/collection, which is structurally impossible under Metro 2.

No Method of Verification has ever been provided under 611 ( a ) ( 7 ).

This is reckless and willful non-compliance under 611 ( a ) ( 1 ), 611 ( a ) ( 5 ) ( A ), 1681e ( b ), and 623 ( a ) ( 1 ) ( A ).

Clear FCRA Violations by TransUnion : 1681i ( a ) ( 1 ) ( A ) : No proper reinvestigation has been conducted. 

1681e ( b ) : Failure to ensure maximum possible accuracy.

623 ( a ) ( 1 ) ( A ) : Furnisher duty violated by knowingly reporting inaccurate data. 

611 ( a ) ( 7 ) : Refusal to provide MOV documentation.

611 ( a ) ( 5 ) ( B ) : Failure to notify me of reinsertion or provide furnisher certification. 

TransUnion is ignoring deletions already made by XXXX  and XXXX, proving that the data is unverifiable. Their refusal to honor those corrections and their decision to continue publishing false, contradictory, and harmful information shows reckless disregard for my rights under the FCRA. 

I am a documented fraud victim and the XXXX  XXXX XXXX exposed my personal identifiers. Yet TransUnion has failed to safeguard my file and continues to reinsert unverifiable and false data without any lawful basis. 

The ongoing presence of this tradeline is damaging my credit profile, lowering my scores, and causing reputational harm. TransUnion has produced no documentation, no contracts, and no lawful evidence, yet it continues to publish this derogatory information. This is willful misconduct and a direct violation of federal law. 

The CFPB must take immediate enforcement action to stop TransUnion from knowingly reporting unverifiable and contradictory data and compel full compliance with the Fair Credit Reporting Act and Metro 2 reporting standards.

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 2025-08-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-29 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: Early Warning Services, LLC
State: MI

Complaint narrative:
Early Warning initially blocked the XXXX XXXX XXXXXXXX record after I submitted an Identity Theft Report, but then reinserted it without complying with FCRA 605B ( c ). They have not provided me with certification of accuracy from XXXX XXXX XXXXXXXX, and their letter does not qualify as a lawful reinsertion notice. I provided the initial identity theft pdf with the 2 accounts that they blocked and also the letter they sent me without properly complying with FCRA 605B ( c ), after the previous complaint closed after I provided my feedback.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
RE : Cease and Desist and Dispute of Account Reporting Ref # XXXX To Whom It May Concern, This letter serves as a formal notice to cease and desist the reporting of the account associated with reference number XXXX, which is currently appearing on my credit report. 

Pursuant to my rights under : 15 U.S.C. 1692c and 1692g of the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting immediate removal of the subject item from my credit file due to failure to provide proper validation and ensure the accuracy of the information being reported.

Under 15 U.S.C. 1692g, upon notification of a dispute, the collector is required to cease collection and provide proper validation of the debt. If you are furnishing information on behalf of a third-party debt collector or creditor, you are responsible for ensuring such information is accurate and verifiable.

Additionally, under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. If the information can not be properly verified, it must be deleted.

I hereby demand the following : 1. Immediate cessation of the reporting of the item associated with reference number XXXX. 
2. Full investigation and deletion of this item if it can not be verified with sufficient and accurate documentation.

3. Written confirmation from TransUnion upon completion of this investigation and action taken.

Please be advised that failure to comply with federal law may result in legal action to protect my rights under the FDCPA and FCRA. 

This letter is sent in good faith and with the expectation of full compliance.

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 2025-08-29 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: IL

Complaint narrative:
I have proof of on-time payments, yet late payments are being reported and verified without documentation. 

Timeline : XX/XX/XXXX I disputed inaccurate lates. 
XX/XX/XXXX CRA marked verified in only 8 days ( unreasonable ). 
XX/XX/XXXX I sent a Method of Verification ( MOV ) request. 
XX/XX/XXXX Generic online reply ; no mailed MOV, no documents, no procedure. 

Disputed late months by bureau for XXXXXXXX XXXX XXXX ( Acct # XXXX ) : XXXX  : XX/XX/XXXX, XX/XX/XXXX TransUnion : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX I provided bank/statement proof showing the payments were on time. The CRAs failed to provide a 611 ( a ) ( 7 ) MOV ( who/what/how ) and are parroting the furnisher rather than conducting a reasonable reinvestigation ( 611 ( a ) ( 1 ) ( A ), 607 ( b ) ). XXXX, as furnisher, has duties under 623 ( b ) to reasonably investigate and correct.

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 2025-08-29 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: MO

Complaint narrative:
I am a documented fraud victim and my consumer credit files have been unlawfully accessed and polluted with multiple unauthorized inquiries. These companies never had my consent, never had a permissible purpose under FCRA 1681b, and never provided any signed authorization. Despite the fact that fraud alerts are active across all three bureaus, the bureaus have failed to block these inquiries under FCRA 605B within the required four business days. 

The following inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give them permission to pull my credit. I did not authorize them in writing, electronically, or verbally. These inquiries are the result of identity theft and data breach exposure. 

The credit bureaus have violated federal law in the following ways : FCRA 605B : They failed to block fraudulent inquiries from my file within four business days even after receiving my disputes, fraud alerts, and identity theft documentation. 

FCRA 611 ( a ) ( 7 ) : They failed to provide the legally required Method of Verification showing who verified these inquiries, how they were verified, and what documentation was used. No signed application or proof of authorization has ever been provided.

FCRA 1681e ( b ) : They failed to follow reasonable procedures to assure maximum possible accuracy by continuing to report inquiries that are false, unauthorized, and unverifiable.

FCRA 1681n and 1681o : Their actions and omissions amount to willful and negligent non-compliance with federal law. 

The continued reporting of these unauthorized inquiries has caused direct and ongoing harm to me. It lowers my credit scores, damages my creditworthiness, and exposes me to further fraud and financial injury. The bureaus are knowingly leaving false and unauthorized information in my file even after formal disputes and even while CFPB complaints are pending. 

This is reckless, unlawful, and in direct violation of my rights under federal law. 

I demand that the CFPB take immediate enforcement action to compel the deletion of all unauthorized inquiries listed above, require the credit bureaus to produce full Method of Verification including signed contracts or applications, and ensure that all bureaus comply with FCRA 605B by blocking and suppressing fraudulent information. 

The credit bureaus have ignored their legal duties and are continuing to injure me with false reporting. This is willful non-compliance that can not be excused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/year>2025, Balance : {$240000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was the co-signer on federal student loans for XXXX XXXX, who attended XXXX XXXX XXXXXXXX ( XXXX ). The U.S. Department of Education discharged these loans under Borrower Defense. On XX/XX/XXXX, an official discharge letter confirmed that the loans are unenforceable, no repayment is required, and the loans must be removed from credit reports. 

XXXX ( which took over from Navient ) shows the loans as Paid in Full with a {$0.00} balance as of XX/XX/XXXX. Despite this, NavientXXXX  reported new delinquencies in XXXX and updated my credit file in XXXX XXXX as delinquent/charged-off. 

This is inaccurate because the loans were discharged, and XXXX own records confirm they were satisfied years earlier. Reporting new derogatory information in XXXX is false and constitutes unlawful re-aging under the Fair Credit Reporting Act.

This false reporting is damaging my credit as the co-signer, even though the loans were discharged by the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  's inaction violates federal law and my rights as a consumer. 

This item was removed XXXX years ago and not it has returned which further violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$12000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: OR

Complaint narrative:
On XX/XX/year>, my Equifax credit report listed a charged-off account from XXXX XXXXXXXX with a {$540.00} balance. The account is marked CHARGED OFF with no documentation of sale, transfer, or ownership. No original creditor is listed, no buyer is identified, and no activity designator or last activity date is provided. 
I previously disputed this account due to lack of documentation and absence of any contractual relationship. XXXX XXXXXXXX failed to respond with validation, ownership records, or a copy of the original agreement. 
The continued reporting of this account violates FCRA 623 ( a ) ( 3 ), which requires furnishers to stop reporting disputed data if it can not be verified, and FCRA 607 ( b ), which requires credit bureaus to ensure maximum possible accuracy. 
Additionally, XXXX XXXXXXXX has a documented history of deceptive practices, including a {$10.00} XXXX settlement with the California Attorney General for unlawful consumer conduct. Their failure to validate this account is consistent with that pattern. 
This account is harming my creditworthiness and remains unverifiable. I demand deletion and enforcement action.

Company response to consumer: Closed with explanation