vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
Foursight Capital XXXX account. They are reporting a car as repo and that is not the case. I the car was stollen by them and there is an ongoing police investigation with them. I have countless amounts of fraud ( I have so much proof ) on their part and I dont own or have said vehicle. My credit went from a XXXX to. A XXXX in a month. They, and national auto plaza ran my credit 22 times without my consent. I am completely ruined and need help. I never took delivery of said car and they said I did. I have pictures, screenshots, and emails. I have police reports too. Please I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
DECLARATION OF ACCURACY I, XXXX XXXX XXXX, declare that all information in this dispute packet is true, correct, and complete. I request reinvestigation and deletion of all inaccurate, unverifiable, or datanbreachnaffected information on my credit reports. 

EXHIBIT A NEGATIVE ACCOUNTS SUMMARY This exhibit summarizes all negative accounts disputed due to datanbreach exposure, unverifiable information, and inconsistent reporting. Accounts disputed include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
EXHIBIT B COLLECTION ACCOUNTS SUMMARY Collection accounts disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Disputed due to lack of validation and inability to provide original source documentation under FCRA and Florida Statute 501.171.

EXHIBIT C HARD INQUIRIES SUMMARY Hard inquiries disputed : XXXX, XXXX XXXX XXXX XXXX XXXX ( multiple ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX These require proof of consumer authorization and verification logs. 
EXHIBIT D PERSONAL INFORMATION SUMMARY Personal identifying information errors disputed include incorrect names, outdated addresses, conflicting address formats, and employer mismatches. These create mixednfile risks and must be corrected. 
EXHIBIT E BUREAU DISPUTE LETTER SUMMARY This packet includes letters to XXXX, XXXX, and TransUnion requesting reinvestigation and deletion of unverifiable data, leveraging Florida Stat. 501.171 ( data breach ) and FCRA 602, 607 ( b ), 609 ( e ), and 611.

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: IL

Complaint narrative:
My husband is deceased have no knowledge of this debt. Of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

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 2025-11-18 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
your failure to accurately report my credit information is unacceptable. I demand you correct the inaccuracies immediately or I will escalate my dispute and seek further legal remedies. These errors are impacting my financial standing, and I expect nothing less than swift resolution. 

Charged Off Accounts XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am filing this dispute to address the inaccurate reporting of certain accounts on my credit report. Please find below the list of accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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: IL

Complaint narrative:
I am submitting this complaint regarding the credit reporting agencys ongoing failure to handle my disputes in a timely and compliant manner, as required under the Fair Credit Reporting Act ( FCRA ). 
Over the past several months, I have sent multiple written dispute letters regarding inaccurate and incomplete information appearing on my credit report. Despite providing all required documentation and allowing sufficient time for investigation, the credit reporting agency has not responded to my disputes within the legally mandated timeframe. In many instances, they have failed to provide any response at all. 
Additionally, items that were previously deleted or blocked as a result of prior investigations have been reinserted into my credit file without proper notice or documentation. Under the FCRA, the credit reporting agency is required to notify me before reinserting any previously removed items and must certify the accuracy of the information before doing so. They did not provide any such notice or certification. 

These actions have caused ongoing harm, including damage to my credit profile and delays in my ability to secure important financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
PROF DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research PROF DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I filed a formal FCRA identity-theft dispute with TransUnion regarding XXXX XXXX XXXX XXXX account. My dispute explained that TransUnion is inaccurately reporting this account as included in bankruptcy without any court-verified documentation and is relying on third-party vendor data, not original furnishers. My dispute also explained that I am a documented identity-theft victim with FTC Identity Theft Report XX/XX/XXXX XXXX already on file. Under FCRA 1681c-2, any unverifiable or third-party-sourced data must be blocked and permanently deleted within four business days. 

I provided TransUnion with a full dispute packet that included the FTC Report, my verified address, my ID, and my detailed explanation that bankruptcy reporting is unverifiable third-party data. Despite this, TransUnion ignored my dispute, did not address the XXXX XXXX XXXX account I complained about, and instead responded with information about a completely unrelated inquiry. This appears to be a tactic to close the CFPB case without addressing the account in question. 

My dispute also explained that TransUnion can not rely on compromised identifiers ( SSN, DOB, past addresses ) or on XXXX, XXXX, XXXX, or other breached vendors for verification. TransUnion did not address any of these issues and did not provide a lawful reinvestigation or any method of verification. 

This is a failure to follow FCRA 1681c-2, 611, 607 ( b ), and 1681i ( a ) ( 7 ).

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 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I had a Auto Loan for an XXXX XXXX started the loan in XXXX it was an four year term loan. I made my payments as normal until COVID hit I was out of work. for a year they said it would be put into a hardship loan that the interest would stop. So they reduce my payments I found a job I started paying payments and paid them for three so late but I paid. and they said I owed XXXX dollars I said it was wrong they sent me a list of all my payments and it was wrong they did nothing then they sent it to collections.

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 2025-11-18 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report. I have reviewed my credit file and found discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ). Additionally, there are concerns about possible data breaches that may have affected the accuracy of my credit report. I request that you investigate and correct these items as required by law. 
Personal Information : Full Name : XXXX XXXX XXXX Address : XXXXXX/XX/XXXXXXXX Date of Birth : XX/XX/XXXX SSN XX/XX/XXXXXXXX Credit Report Date : XX/XX/XXXX Disputed Accounts : XX/XX/XXXX] Original Creditor : XXXX XXXX Account Status : Collection ( Closed ) Balance : {$600.00} FCRA Violations : o Failure to properly update account status after payment or settlement. 
o Incomplete or inaccurate reporting of the last payment date and status. 
Disputed Reason : The balance and status of this account are reported inaccurately. I dispute this account 's information due to missing payments and errors in reporting. 
XX/XX/XXXX Status : Collection ( Open ) Balance : {$3200.00} FCRA Violations : o Misreported account status and past due balance. 
Disputed Reason : The balance and account status are incorrect. This account was settled, and the creditor 's reporting is inaccurate. 
XXXX. XXXX XXXX XXXX LL ( XXXX ) Account Number : [ XX/XX/XXXX Account Status : Collection ( Open ) Balance : {$770.00} FCRA Violations : o Incorrect status and failure to report agreed terms. 
Disputed Reason : The account status has been misreported and does not reflect the terms of the agreement made with the original creditor. 
Data Breach Concerns : I am concerned that these inaccuracies may be a result of a data breach, as my personal information may have been compromised. Please investigate this issue as part of your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Agency of Credit Control
State: CO

Complaint narrative:
We received a summons for a debt we didn't know existed. The collection agency, Agency of Credit Control XXXX XXXX, never sent a letter or called leaving a voicemail. I called XX/XX/year> to pay the amount and file a complaint. I called several times and no one was picking up the phone so I called the original owner of the debt. The second call, they were able to connect me with some one. The court order says we owed XXXX ( principal due ), XXXX ( collection fees ), To be determined ( attorney fees ), XXXX ( interest to return date ), with a total of XXXX, plus court costs. When I spoke with the agent, she raised the fee to XXXX. I asked why it was so much more and she said that it was for servicing fees. To my knowledge this is illegal. I asked her if it was and she said it was legal. I paid the amount and asked to file a complaint but she stated she would only note the account. She was rude and I did record the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding multiple accounts on my credit report that contain inaccuracies and incomplete reporting. Below is the list of accounts in dispute : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo denied my dispute for over {$3000.00} in XXXX charges made on XX/XX/XXXX - XX/XX/XXXX. These transactions occurred in dozens of back-to-back purchases, including amounts like {$82.00} and {$93.00}, all within hours. I did not authorize these charges, did not approve any purchases, and did not receive any goods or use any paid services from XXXX. That kind of nonstop spending isnt something I do, and it doesnt match my normal account activity at all if they looked into it. They closed the case without providing the evidence used to deny it, such as device data, IP information, or merchant verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
VALOR INT PR is falsely reporting on my credit. I have never had any accounts with them. Per my research VALOR INT PR is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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