vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-10-07 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: GA

Complaint narrative:
I am writing to follow up on a previous dispute submitted regarding inaccurate, unverifiable, and potentially unlawful information still reporting on my credit file. Since your agency failed to properly investigate or validate the following accounts, I have escalated the matter and filed an official complaint with the Federal Trade Commission ( FTC ) for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

This is a Second and Final Notice demanding that the accounts listed below be fully validated or permanently deleted from my credit report. 
Accounts in Dispute : Charge-Off Accounts : XXXX XXXX  XXXX {$91.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$2000.00} - Deleted from Equifax XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1600.00} - Deleted from Equifax and Transunion Collection Account : XXXX XXXX XXXX {$1300.00} - Deleted from Equifax

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 2025-10-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-07 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:
RE : Independent Reinvestigation XXXX XXXX XXXX ( Acct ending XXXX ) Your report shows : Collection Installment Past Due : {$630.00} Collection account Opened XXXX Balance {$630.00}. 
For collections, Amount Past Due must be {$0.00}, no consumer late grids, and no Installment qualifiers. You also fail to display the DOFD. 
All late months are disputed. Provide running statements/ledger ( due date receipt posting ) for each late month. Codes are not proof. 
Required by law : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) ; 623 ( a ) ( 5 ) DOFD ; 605 ( a ) / ( c ) ( no re-aging ) ; XXXX XXXX ; XXXX. 
Metro 2 corrections demanded : Portfolio/Type = Collection ; Amount Past Due = {$0.00} ; PHP/Payment Rating blank ; DOFD furnished ; Terms/SMPA blank ; valid Special Comment only. Delete if unverifiable. 
Enclosures/XXXX included. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct ending XXXX RE : Independent Reinvestigation XXXX  ( XXXX  ) Experian shows : Collection Installment Account Status : Refinanced Comments : Refinanced Balance {$270.00}. 
Refinanced is an invalid status for third-party collections and misrepresents the debts nature/age ; Installment qualifier is also improper ; DOFD is missing. 
All late months disputed ; send ledgers ; codes proof. 
Cites : 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) / ( c ) ; XXXX XXXX ; XXXX. 
Metro 2 fixes : Correct Account Status/Special Comment to a valid collection status, remove Installment, furnish DOFD, set Past Due = {$0.00}, blank PHP. Delete if unverifiable. 
EnclosuresXXXX as above. 
XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX ) acct ending XXXX RE : Independent Reinvestigation XXXXXXXX XXXX XXXX Experian shows : Collection Installment Open Placed for collection Balance {$320.00}. 
Remove Installment qualifier ; Past Due must be {$0.00} ; PHP blank ; DOFD must be furnished. 
All late months disputed ; ledgers demanded ; codes proof. 
Cites/Metro 2 fixes/Deletion as above. 
Enclosures/XXXX included. 
XXXX ) XXXX XXXX XXXX XXXX XXXX acct ending XXXX RE : Independent Reinvestigation XXXX XXXX XXXX ( XXXX XXXX ) Experian shows : Collection Installment Account Status : Refinanced Comments : Refinanced Balance {$870.00}. 
Refinanced is invalid for a third-party collection ; remove Installment ; furnish DOFD ; set Past Due = {$0.00} ; PHP blank ; or delete. 
All late months disputed ; ledgers demanded ; codes proof. 
Cites/Enclosures as above.

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 2025-10-07 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-07 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have filed bankruptcy on XX/XX/XXXX. I filed a XXXX  XXXX, turning in all of my credit cards, and also took the non-responsibility of some debt. I frequently checked my Credit with all three credit bureaus. I first started at the beginning of XXXX. I noticed XXXX XXXX and XXXX  have both reported my bankruptcy and have basically made all of my debt charges so that I am not showing responsible for them. When I check my Equifax, they are still reporting multiple credit cards and cars that I have turned into my Bankruptcy so its showing that I am delinquent on all of these. Upon calling them, they stated that they didnt show a Bankruptcy on my account. Ive been sent them proof multiple times of my bankruptcy filing as well as what all is included in the filing. I reached back out. They said that they didnt get the proof so I sent it again.. I verified the address with them. The only way they can receive things is through the mail so this is a lot of paperwork. XXXX constantly sending through the mail that has all of my private information such as my Social Security number and my drivers license. I called back again. They said they never get it.. I reached out to consumer finance and I filed a complaint and provided my bankruptcy papers. It looks as if you guys close the case, but nothing was ever done. So I am here today to upload more information and give more information from my bankruptcy because I need this resolved.. I am trying to work on building my credit back up and I am able to do so because everything on my Equifax is showing late and bad payment history. This has literally been going on for almost a year. I just want this fixed. I reached out to my bankruptcy attorney. He stated that there wasnt much that he can do, but I can hire another attorney if this doesnt get resolved. I dont understand what the big deal is when I provided all of my paperwork from my Bankruptcy why am I still showing delinquent on these bills that I am no longer responsible for? I am no longer financially responsible for my home through XXXX XXXX. I am no longer responsible for my vehicle that they took for me from the XXXX XXXX XXXX XXXX. I dont even have the vehicle anymore, so why am I being reported late on the vehicle? I dont have that I turned into Bankruptcy. Please please help me get to the bottom. This is so stressful dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: GA

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} 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 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 2025-10-07 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: GA

Complaint narrative:
As per 15usc 1611 XXXX  TransUnion XXXX XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXX XXXX XXXX. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-10-07 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:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'I am filing this complaint against Experian Information Solutions, Inc. for multiple violations\nof the Fair Credit Reporting Act (FCRA) related to the unauthorized reinsertion of a\nfraudulent account that has already been removed from my credit report multiple times.\nCreditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nDate Opened: XXXX XXXX XXXX\nThis account was the result of identity theft and has already been successfully removed by\nXXXX and XXXX  after I submitted fraud and dispute documentation. Experian also\ninitially deleted this account after my dispute  but it was reinserted within weeks,\nwithout any written notice or verification evidence from 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 2025-10-07 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
Prestige Financial is enforcing a {$15000.00} loan through predatory repossession threats while ignoring clear evidence of misapplied payments, failure to honor promised rate reductions, and my active dispute a blatant abuse of trust and bad-faith conduct.

Complaint : Prestige Financial Services is attempting to enforce a {$15000.00} loan through threats of repossession while simultaneously ignoring documented evidence of misapplied payments, failure to honor promised interest reductions, and ongoing financial hardship. Despite repeated, good-faith communications with Compliance Specialist Daley Birch , Prestige has failed to respond to formal written demands, making their actions predatory, unlawful, and in bad faith. 

This is a supplemental complaint to XXXX XXXX. XXXX. After my original complaint ( XX/XX/year> ) was closed on XX/XX/year>, the issues remain unresolved, and Prestige has now escalated to repossession threats while my dispute remains active. 

Account Facts : Loan origination : {$15000.00} Total payments made : {$12000.00} Applied to interest : {$7500.00} Applied to principal : {$4500.00} Remaining balance : {$11000.00} Promised interest-rate reduction after six on-time payments was applied partially ( 0.5 % in XX/XX/year> ) instead of fully as represented at origination. 

Timeline of Key Communications : XX/XX/year> : Began email communication with XXXX XXXX, Compliance XXXX. 
XXXX 2025 : Multiple emails documenting misapplied interest, failure to honor interest reduction, and refusal to offer hardship deferment. 
XX/XX/year> : Formal demand sent requesting : 1. Suspension of all enforcement and repossession activity 2. Corrected accounting reflecting accurate interest and principal 3. Loan rescission or credit of overpaid interest to principal XX/XX/year> : Forwarded XX/XX/XXXX email to additional Prestige management contacts due to non-response.

Despite repeated written requests, Prestige has failed to respond. On XX/XX/year>, Prestige claimed my account does not qualify for a Rate Reduction Program and falsely stated my XX/XX/XXXX payment processed without issue and that they were not aware of blocked communications. Both statements are factually incorrect and misleading. 

Prestiges actions violate : Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) Consumer Financial Protection Act/UDAAP ( CFPA, 12 U.S.C. 5531 ) Ohio Rev. Code 1345.02 Applicable FDCPA communication standards, as they are engaging in collection and repossession threats during an active compliance dispute. 

Company Communication : XXXX XXXX, Compliance Specialist : XXXX Multiple emails between XXXX XXXX XXXX, 2025, documenting misapplied interest, refusal to honor promised rate reduction, and repossession threats.

Company response to consumer: Closed with non-monetary relief