vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} 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, 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 2025-09-24 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:
The reported item mischaracterizes my payment history and seems inaccurate. I respectfully ask that it be reviewed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
Equifax Information Services LLC Dispute Resolution Department XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Resolution of Credit Report Dispute Failure to Verify Identity and Comply with FCRA Dear Equifax Dispute Resolution Team, I am writing to formally demand an immediate resolution of my credit dispute submitted on XX/XX/year>XXXX  regarding inaccurate information on my credit report. 

Despite providing all required identity verification documents as requested, your recent communication falsely claims that you are unable to verify my identity. This is inaccurate and unacceptable. I have complied fully with your documentation requests, and any continued refusal or delay in investigating my dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires your prompt and reasonable investigation of disputed information within 30 days.

To date, it has been well over the legally mandated period, and I have not received any substantive response or results from your investigation. This failure to act is causing harm to my creditworthiness and personal financial standing. 

Therefore, I demand the following : A full and fair reinvestigation of the disputed information. 

Immediate correction or deletion of any inaccurate or unverifiable data.

A written report of your findings and actions taken. 

Confirmation that my identity has been verified with the documents previously submitted. 

Please consider this letter a formal notification that if you do not provide a complete and satisfactory response within 15 calendar days from the date of this letter, I will have no choice but to escalate this matter by filing formal complaints with regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and consider pursuing legal action for non-compliance with the FCRA.

I expect your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MI

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
First call was made to me on XX/XX/year> at XXXXXXXX XXXX and I did not answer, second call was made on XX/XX/year> at XXXXXXXX XXXX, when I answered the lady asked me to identify myself in a rude demeaning tone making me feel very unsettled, at which point I asked for a callback number, she stated it was the number she was calling from and then I threatened legal action because My Phone Number has been on the national do not call registry for over 31 days, she then informed that my number would be removed from their call list within one to three days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 object to the inclusion of accounts I did not initiate. Kindly review thoroughly and remove them. Documentation accompanies this request.

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 2025-09-24 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am the victim of identity theft and a data breach. A fraudulent account was opened and reported by SYNCB XXXX without my knowledge, authorization, or consent. 

Despite providing an FTC Identity Theft Report, proof of identity, and supporting documentation, SYNCB XXXX has continued to furnish this fraudulent information to XXXX. 
SYNCB XXXX Account Number : ( XXXX ). 
Violations include : FCRA 623 ( a ) ( 6 ) : Furnishing information known to be the result of identity theft.
FCRA 623 ( a ) ( 8 ) : Failure to properly investigate a direct dispute.

FCRA 623 ( b ) : Failure to investigate and correct inaccurate information furnished to credit bureaus. 

I am requesting that SYNCB XXXX immediately : 1.Permanently block and delete the fraudulent account.

2.Cease furnishing this account to XXXX.

3.Provide written confirmation that the account has been removed and will not be pursued for collection.

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 2025-09-24 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: TX

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XX/XX/year>, I mailed a payoff check dated XX/XX/year> for a XXXX XXXX ( traded in to us ) to the address XXXX XXXX provided. When I called for an update, I was told that while it was a XXXX XXXX address, it was for the wrong department, and I was instructed to cancel the check. 

I immediately reissued a second check via priority mail. Tracking confirms it was delivered on XX/XX/year>, and on XX/XX/year> a XXXX XXXX  representative told my secretary the check was received and the balance was {$0.00}. In addition to the delay and confusion, I have also incurred extra costs : {$35.00} to cancel the first check and {$22.00} in priority mailing fees for the two checks. 

XXXX XXXX is now claiming they have no record of the second check and are also claiming the first check was received but could not be processed because I had already canceled it at their instruction. They opened a priority ticket, and I provided the tracking number and my contact information, but I continue to receive conflicting answers from different representatives and can not reach a supervisor. 

Meanwhile, XXXX XXXX  has told my customer ( who traded in the vehicle ) that I have had no contact with them, which is false. They are also adding interest and late fees due to this delay, which is at their fault. I am very concerned this may negatively affect my customers credit. 

I have documentation of the checks, tracking information, and call history. I have handled many payoffs with other lenders and have never experienced this much difficulty. 

I have also attached screenshots showing the number of times I have called XXXX XXXX While these do not capture the details of each conversation, they demonstrate my repeated attempts to resolve this issue. I can do my best to provide more specific notes on conversations if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment reflected on my credit report. This entry is inaccurate, as my records confirm a consistent history of timely payments. Its reporting is misleading, harmful, and does not reflect my actual financial behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
XX/XX/scrub>XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Request to Cease Communication Under 15 U.S.C. 1692c ( c ) Portfolio Recovery Associates Account # XXXX in the amount of {$6000.00} To Whom It May Concern, Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as my formal written notice requesting that you cease all further communication with me regarding the alleged debt you claim I owe.

Under 15 U.S.C. 1692c ( c ), upon receipt of this written notice, you are legally required to cease all communication with me except to : Advise me that your collection efforts are being terminated ; Notify me that you may invoke specific remedies which are ordinarily invoked by you or your company ; or Inform me that you intend to invoke a specified remedy. 

This request includes, but is not limited to, contact via phone, mail, email, text message, or any other form of communication. 

Please note that any further contact beyond what is expressly allowed under 15 U.S.C. 1692c ( c ) will be considered a violation of federal law, and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursue legal remedies including statutory damages, attorneys fees, and costs. 

I request that you confirm in writing that you have received this notice and that no further communications will be made, except as permitted by law. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
XXXX XXXX XXXX {$140.00} balance No monthly payment data reported ( No Data ).

This makes the account incomplete and unverifiable under 15 U.S.C. 1681e ( b ) ( FCRA : duty of maximum accuracy ). 

Multiple Dept. of Education ( XXXX ) Accounts XXXX ( XXXX ) separate tradelines ( e.g., {$23000.00}, {$2300.00}, {$57.00}, {$2200.00}, {$160.00}, {$43.00}, {$600.00} ). 

Likely represent a single federal loan split into multiple fragmented accounts ( a known reporting issue ). 

Case law : Richardson v. Equifax ( XXXX ) duplicate reporting of student loans deemed misleading and inaccurate under the FCRA. 

XXXX  {$270.00} balance, {$0.00} payment Status unclear ; missing payment terms.

Incomplete reporting violates FCRA 609 ( a ) ( 1 ) ( A ) ( full disclosure of information in file ). 

XXXX, XXXX {$410.00} XXXX TransUnion explicitly admits XXXX accounts are not used in scoring but still reports them to consumers. 

This creates a material misrepresentation ( misleading to creditors and the consumer ). 

Violates FCRA 607 ( b ) : duty to avoid misleading credit information. 

Excessive Hard Inquiries Multiple inquiries within short periods ( XXXX XXXX  XXXX, XXXX, etc. ). 

Possible permissible purpose violation under FCRA 604 ( a ) and Pintos v. Pacific Creditors Assn, 605 F.3d 665 ( 9th Cir. XXXX ). 

Statutory & Case Law Grounds FCRA ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus must ensure maximum possible accuracy.

FCRA ( 15 U.S.C. 1681i ) : Duty to reinvestigate disputed information within 30 days.

FCRA ( 15 U.S.C. 1681g & 609 ) : Consumer has right to full disclosure of all file information.

FDCPA ( 15 U.S.C. 1692e ) : Prohibits false, deceptive, or misleading collection reporting ( applies to XXXX XXXX ). 

TILA ( 15 U.S.C. 1601 et seq. ) : Requires accurate disclosure of credit terms violated if no payment data is furnished. 

Case Law : Richardson v. Equifax, XXXX : Duplicate student loan tradelines deemed inaccurate. 

Cousin v. Trans Union Corp., 246 F.3d 359 ( 5th Cir. XXXX ) : Inaccurate reporting gives rise to liability. 

Pintos v. Pacific Creditors Assn ( 9th Cir. XXXX ) : Unauthorized credit inquiries are FCRA violations.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am challenging fraudulent accounts appearing on my credit report. These accounts are false, unauthorized, and unconnected to me in any way. Their reporting has created a misleading and damaging picture of my financial history, and such inaccuracies can not be permitted to remain. This is a direct violation of my right to accurate and fair 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} 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, 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