vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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. 

I am submitting this FTC Identity Theft Affidavit to report five fraudulent accounts on my TransUnion XXXX credit report, which I do not recognize and are the result of identity theft. These include : A XXXX XXXXXXXX credit card opened on XX/XX/XXXX ( Acct : XXXX * * * * * * ) A XXXX XXXX XXXX loan from XX/XX/XXXX ( Acct : XXXX * * * * * * * * * * * * ) XXXX XXXX XXXX XXXX loans from XX/XX/XXXX ( Accts : XXXX * * * * * * * * * * * * and XXXX * * * * * * * * * * * * ) An XXXX secured loan from XX/XX/XXXX ( Acct : XXXX * * * * * * * * * * * * ) These accounts have caused fraudulent hard inquiries and collections. I request their immediate removal from all credit reports and demand all related collection activity cease, per my rights under the FCRA and FDCPA. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Ive disputed multiple inaccurate items reporting on my credit file with no resolution. The credit bureau continues to verify the accounts without properly validating them through the original sources. The bankruptcy, repossession, and collection accounts remain despite clear legal violations under FCRA XXXX ( b ), XXXX, and FDCPA XXXX. I am requesting immediate deletion of these accounts and a reinvestigation with proof or complete removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
Ive disputed multiple inaccurate items reporting on my credit file with no resolution. The credit bureau continues to verify the accounts without properly validating them through the original sources. The bankruptcy, repossession, and collection accounts remain despite clear legal violations under FCRA XXXX ( b ), XXXX, and FDCPA XXXX. I am requesting immediate deletion of these accounts and a reinvestigation with proof or complete removal.

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 2025-05-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Transunion consumer solutions XXXX XXXX XXXX XXXX, pa XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear transunion consumer solutions I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. copy of my credit report 2. Copy of my FTC report XXXX XXXX copy of identification I am requesting that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX response ( XXXX ) again confirms the payment posted XX/XX/XXXX, but it fails to address the key issue : I received no electronic notice in XXXX despite their practice of emailing/alerting for missed payments both before and after this period. 


XXXX states, " In XX/XX/XXXX, we enhanced our website and updated our notification options to include additional communications, such as the one referenced in your complaint. ", implying that email alerts were added in XX/XX/XXXX. Yet I have attached ( EXHIBIT C, attached ) alerts dated XXXX XXXX XXXX. This proves the alert system was already activeand that its failure in XX/XX/XXXX was an anomaly directly tied to their XXXX system migration. Their own explanation is internally inconsistent. 

XXXX admits website notification options were enhanced in XXXX, which further proves XXXX alerts were absent. 

XXXX claims multiple phone attempts XXXX forward, yet I have no callerID log / voicemail from XXXX during that window ; I request they produce their diallog to CFPB. 

A generic negativecredit boilerplate on XXXX statements is not the specific delinquency notice required under RegB or RegF once the account entered default. 

Absent timely notice, repossession efforts began without due process. 
I again request a goodwill deletion of the XXXX late mark or, alternatively, an admission that XXXX own notification process failed during its XX/XX/XXXX system migration.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX response ( XXXX ) again confirms the payment posted XX/XX/XXXX, but it fails to address the key issue : I received no electronic notice in XXXX despite their practice of emailing/alerting for missed payments both before and after this period. 


XXXX states, " In XX/XX/XXXX, we enhanced our website and updated our notification options to include additional communications, such as the one referenced in your complaint. ", implying that email alerts were added in XX/XX/XXXX. Yet I have attached ( EXHIBIT C, attached ) alerts dated XXXX XXXX XXXX. This proves the alert system was already activeand that its failure in XX/XX/XXXX was an anomaly directly tied to their XXXX system migration. Their own explanation is internally inconsistent. 

XXXX admits website notification options were enhanced in XXXX, which further proves XXXX alerts were absent. 

XXXX claims multiple phone attempts XXXX forward, yet I have no callerID log / voicemail from XXXX during that window ; I request they produce their diallog to CFPB. 

A generic negativecredit boilerplate on XXXX statements is not the specific delinquency notice required under RegB or RegF once the account entered default. 

Absent timely notice, repossession efforts began without due process. 
I again request a goodwill deletion of the XXXX late mark or, alternatively, an admission that XXXX own notification process failed during its XX/XX/XXXX system migration.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TFSs XXXX response ( XXXX ) again confirms the payment posted XX/XX/XXXX, but it fails to address the key issue : I received no electronic notice in XX/XX/XXXX despite their practice of emailing/alerting for missed payments both before and after this period. 

TFS states, " In XX/XX/XXXX, we enhanced our website and updated our notification options to include additional communications, such as the one referenced in your complaint. ", implying that email alerts were added in XX/XX/XXXX. Yet I have attached ( EXHIBIT C, attached ) alerts dated XXXX XXXX XXXX. This proves the alert system was already activeand that its failure in XX/XX/XXXX was an anomaly directly tied to their XXXX system migration. Their own explanation is internally inconsistent. 

XXXX admits website notification options were enhanced in XXXX, which further proves XXXX alerts were absent. 

TFS claims multiple phone attempts XXXX, yet I have no callerID log / voicemail from TFS during that window ; I request they produce their diallog to CFPB. 

A generic negativecredit boilerplate on XXXX statements is not the specific delinquency notice required under RegB or RegF once the account entered default. 

Absent timely notice, repossession efforts began without due process. 
I again request a goodwill deletion of the XXXX late mark or, alternatively, an admission that TFSs own notification process failed during its XX/XX/XXXX system migration.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
TFSs XXXX response ( XXXX ) again confirms the payment posted XX/XX/XXXX, but it fails to address the key issue : I received no electronic notice in XX/XX/XXXX despite their practice of emailing/alerting for missed payments both before and after this period. 

XXXX states, " In XX/XX/XXXX, we enhanced our website and updated our notification options to include additional communications, such as the one referenced in your complaint. ", implying that email alerts were added in XX/XX/XXXX. Yet I have attached ( XXXX XXXX XXXX ) alerts dated XXXX XXXX XXXX. This proves the alert system was already activeand that its failure in XX/XX/XXXX was an anomaly directly tied to their XXXX system migration. Their own explanation is internally inconsistent. 

XXXX admits website notification options were enhanced in XXXX, which further proves XXXX alerts were absent. 

XXXX claims multiple phone attempts XXXX, yet I have no callerID log / voicemail from XXXX during that window ; I request they produce their diallog to CFPB. 

A generic negativecredit boilerplate on XXXX statements is not the specific delinquency notice required under RegB or RegF once the account entered default. 

Absent timely notice, repossession efforts began without due process. 
I again request a goodwill deletion of the XXXX late mark or, alternatively, an admission that XXXX  own notification process failed during its XX/XX/XXXX system migration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Victim of XXXX Data Breach and my personal information was compromised which lead to unauthorized inquiries being place on credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as * * formal notice * * that your organization is in * * violation of the Fair Credit Reporting Act ( FCRA ) * *, specifically * * 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) * *.

Accounts that need to be updated to paid on time. 
Creditor : XXXX XXXX XXXX Account Number : XXXX Please Update This Date to Paid on Time Or Remove Late Payment : ( XXXX, XXXX, XXXX, XX/XX/year> ) Under this statute,15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) the term * consumer report * explicitly * * does not include * * any report containing information * solely as to transactions or experiences between the consumer and the person making the report *. This means that the reporting of * * late payments * * which are direct experiences between myself and the furnisheris * * not legally permitted * * to be disclosed to consumer reporting agencies. 
Your continued reporting of these late payments constitutes a * * clear and willful violation of federal law * *. This unlawful activity has directly caused me * * emotional distress, anxiety * *, and has * * severely hindered my ability to utilize my credit * * for essential financial opportunities. 
You are hereby * * ordered * * to * * immediately update account to paid on time or remove late payment altogether * * the inaccurate and illegally reported late payment data. Failure to comply within * * 15 calendar days * * will result in * * legal action without further notice * *, including but not limited to demands for * * statutory, actual, and punitive damages * * to the fullest extent allowed by law. 
You are now officially on notice! 
Accounts that need to be updated to paid on time! 
Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-05-03 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as * * formal notice * * that your organization is in * * violation of the Fair Credit Reporting Act ( FCRA ) * *, specifically * * 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) * *.

Accounts that need to be updated to paid on time. 
Creditor : XXXX XXXX XXXX Account Number : XXXX Please Update This Date to Paid on Time Or Remove Late Payment : ( XXXX, XXXX, XXXX, XX/XX/year> ) Under this statute,15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) the term * consumer report * explicitly * * does not include * * any report containing information * solely as to transactions or experiences between the consumer and the person making the report *. This means that the reporting of * * late payments * * which are direct experiences between myself and the furnisheris * * not legally permitted * * to be disclosed to consumer reporting agencies. 
Your continued reporting of these late payments constitutes a * * clear and willful violation of federal law * *. This unlawful activity has directly caused me * * emotional distress, anxiety * *, and has * * severely hindered my ability to utilize my credit * * for essential financial opportunities. 
You are hereby * * ordered * * to * * immediately update account to paid on time or remove late payment altogether * * the inaccurate and illegally reported late payment data. Failure to comply within * * 15 calendar days * * will result in * * legal action without further notice * *, including but not limited to demands for * * statutory, actual, and punitive damages * * to the fullest extent allowed by law. 
You are now officially on notice! 
Accounts that need to be updated to paid on time! 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a formal complaint regarding the tradeline reported on my Equifax credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The account is reported as a charged-off installment loan with a current balance of {$12000.00} and a last payment date of XX/XX/year>. However, there are multiple critical violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX standards associated with this account that make the reporting incomplete, inaccurate, and unverifiable. 

Factual Disputes : The account reflects XXXX potentially negative months but provides inconsistent and partial payment history, with multiple months labeled with R ( Repossession ), CO ( Charge-off ), or no code at all. The pattern is fragmented and violates XXXX XXXX guidance for reporting continuous monthly data. 

The account reports a charge-off balance of {$12000.00} without disclosing the original loan amount or properly itemizing interest, fees, or principalinformation which is required under XXXX XXXX standards and essential to determine the accuracy of the reported amount. 

The Date of First Delinquency ( DOFD ) is not listed in the tradeline. The XXXX is a critical field required for compliance with FCRA and for proper aging of derogatory accounts under XXXX XXXX. 

No evidence exists that I received a required written notice from the furnisher, XXXX XXXX XXXX, either before or within 30 days after the negative information was furnished to Equifax. This is a direct violation of FCRA 1681s-2 ( a ) ( 7 ).

Legal Violations : FCRA 1681e ( b ) : Equifax must maintain reasonable procedures to ensure the maximum possible accuracy of consumer report information. The fragmented payment history and vague charge-off reporting violate this provision.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : The furnisher is prohibited from reporting inaccurate or incomplete information. Reporting a charge-off with missing DOFD and no original balance is incomplete and therefore inaccurate.

FCRA 1681s-2 ( a ) ( 7 ) : The furnisher failed to send me notice of negative reporting, as required.

FCRA 1681i : Because the data is incomplete and unverifiable, it should be deleted if it can not be corrected.

Metro 2 Compliance Issues : Missing or inconsistent monthly payment codes violate the Credit Reporting Resource Guide requirement for continuous and consistent reporting from open date through closure or charge-off.

Omission of DOFD, original balance, and breakdown of the charge-off contradicts Metro 2 data field requirements for charged-off installment accounts.

The use of the R code ( Repossession ) without an associated collateral repossession entry is misleading and inconsistent with industry standards unless proper documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXContacted the company, no information provided, have not received any communications confirming this account belongs to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$180.00} -Contacted the company, no information provided, have not received any communications confirming this account belongs to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} - - - -Contacted the company, no information provided, have not received any communications confirming this account belongs to me. 
CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} -Contacted the company, no information provided, have not received any communications confirming this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
The Receivable management {$300.00} XX/XX/year> payment the company in XX/XX/year> completed dont report the the credit bureau Also reached out by phone on XXXX XXXX representative told me she would take it off my credit report cause she see that I paid the balance

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Cascade CISS Holdings, LLC
State: NY

Complaint narrative:
Unknown Hard Inquiry and duplicate inquiries from same company Unknown : 1 ) XACTUS-AVANTUS Inquired on XX/XX/XXXX 2 ) Duplicate : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 3 ) balance reported incorrect

Company response to consumer: Closed with explanation