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

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 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 non-monetary relief
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries currently listed on my credit report. These inaccurate entries have had a significant and detrimental impact on my FICO score, leading to a noticeable decline that has created challenges in maintaining my financial standing.

I am now preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible, and these inaccuracies are preventing me from qualifying. I respectfully demand your immediate attention and resolution of this matter. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, you are obligated to correct or delete any information that can not be verified as accurate within a reasonable timeframe.

Additionally, under USC 15 1681e ( b ), you are required to maintain procedures to ensure maximum possible accuracy in the reporting of consumer credit information. Failing to provide proper verification for these disputed accounts violates both federal and state laws, and I hold you fully accountable for any damage caused by this misinformation.

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 2025-05-05 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: IL

Complaint narrative:
These are fraudulent inquiries reporting to my credit report. Please remove these fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at Easternaccos on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

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 2025-05-05 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:
This is a formal consumer complaint and demand for relief against XXXX, XXXXXXXX XXXX XXXX XXXX  and its XXXX  partner CXXXX XXXX XXXX XXXX XXXX ) operating under the XXXX XXXX XXXX  The complaint concerns serious violations of federal law in connection with a personal installment loan issued to me. 

XXXX and XXXX have willfully violated multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ) furnishing false credit information ( a nonexistent 30-day delinquency ) ; Fair Debt Collection Practices Act ( FDCPA ) continuing collection efforts after a written dispute and cease-contact request ; Truth in Lending Act ( TILA ) refusing to provide federally mandated disclosures such as amortization schedules and payment history ; Consumer Financial Protection Act ( UDAAP ) engaging in deceptive and abusive lending, servicing, and credit reporting conduct through a XXXX scheme. 


After making a payment on XX/XX/year> sufficient to bring my account current, XXXX nonetheless reported a false XXXX late to credit bureaus. When I disputed this in writing and revoked all communication rights via a certified cease-contact letter dated XX/XX/year> ( received XX/XX/XXXX ), XXXX continued XXXX send collection emails daily from XX/XX/year>, violating both the FDCPA and FCRA. 
They also refused to provide the required amortization schedule and payment ledger, instead offering a pretextual privacy excuse despite sending the full loan agreement via email the very next day. This demonstrates knowing bad faith and intent to conceal material terms of the loan. 
Their use of XXXX, a XXXX XXXX  as a XXXX XXXXartner further underscores their intent to evade state lending laws and mislead consumers about the true nature and legality of the product. 


Supporting Evidence All supporting documents, including my certified dispute letter, post-dispute collection emails, the loan agreement, and evidence of concealment, are included in the attached ZIP file titled : XXXX This matter involves willful violations of consumer protection laws and a pattern of deceptive conduct. I respectfully request that the Consumer Financial Protection Bureau investigate and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
This is a formal consumer complaint and demand for relief against XXXX, XXXXXXXX XXXX XXXX XXXX  and its XXXX  partner CXXXX XXXX XXXX XXXX XXXX ) operating under the XXXX XXXX XXXX  The complaint concerns serious violations of federal law in connection with a personal installment loan issued to me. 

XXXX and XXXX have willfully violated multiple federal statutes, including : Fair Credit Reporting Act ( FCRA ) furnishing false credit information ( a nonexistent 30-day delinquency ) ; Fair Debt Collection Practices Act ( FDCPA ) continuing collection efforts after a written dispute and cease-contact request ; Truth in Lending Act ( TILA ) refusing to provide federally mandated disclosures such as amortization schedules and payment history ; Consumer Financial Protection Act ( UDAAP ) engaging in deceptive and abusive lending, servicing, and credit reporting conduct through a XXXX scheme. 


After making a payment on XX/XX/year> sufficient to bring my account current, XXXX nonetheless reported a false XXXX late to credit bureaus. When I disputed this in writing and revoked all communication rights via a certified cease-contact letter dated XX/XX/year> ( received XX/XX/XXXX ), XXXX continued XXXX send collection emails daily from XX/XX/year>, violating both the FDCPA and FCRA. 
They also refused to provide the required amortization schedule and payment ledger, instead offering a pretextual privacy excuse despite sending the full loan agreement via email the very next day. This demonstrates knowing bad faith and intent to conceal material terms of the loan. 
Their use of XXXX, a XXXX XXXX  as a XXXX XXXXartner further underscores their intent to evade state lending laws and mislead consumers about the true nature and legality of the product. 


Supporting Evidence All supporting documents, including my certified dispute letter, post-dispute collection emails, the loan agreement, and evidence of concealment, are included in the attached ZIP file titled : XXXX This matter involves willful violations of consumer protection laws and a pattern of deceptive conduct. I respectfully request that the Consumer Financial Protection Bureau investigate and take appropriate enforcement action.

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 2025-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
To Whom It May Concern, I am writing to formally address a matter concerning a pending balance with First Bank Puerto Rico and to request a thorough review of the circumstances surrounding a payment I made in good faith.

I was initially contacted by the bank through written correspondence and instructed to visit a customer representative at a local branch. During my visit, I met with XXXX XXXX XXXX, who identified himself as a representative of First Bank Puerto Rico, allegedly affiliated with the banks security department and involved in the recovery of funds related to an investigation concerning my accounts. 

In or around XX/XX/year>, XXXX XXXX instructed me to issue a payment in the amount of {$40000.00}, and to make the check payable to his name. He further directed mevia text messages from the phone number ( XXXX ) XXXX mail the payment to a specific address in XXXX XXXX XXXX XXXX XXXX XXXX At the time, I understood these instructions to be legitimate and aligned with the bank 's procedures, based on XXXX XXXX representations. 

I have recently been informed, however, that the bank has no record of receiving this payment and that XXXX XXXX 's instructions may not have been authorized or in accordance with official First Bank Puerto Rico procedures. It appears that the funds were not properly submitted to the bank and that legal action against me is being considered in relation to this unresolved balance.

Please be advised that I am in possession of comprehensive documentation confirming that the payment was made, including transaction records, copies of text messages, and the address where the payment was sent. These records support that the payment was made in good faith and based on the information and instructions I received from XXXX XXXX over an extended period of communication, spanning from XX/XX/year> to XX/XX/year>. 

Additionally, I have informed XXXX XXXX XXXX of this situation in a telephone conversation at ( XXXX ) XXXX, during which I detailed XXXX XXXX involvement and the instructions he provided. 

I respectfully request that First Bank Puerto Rico conduct a formal and impartial investigation into this matter. I am prepared to fully cooperate and to provide all relevant evidence and documentation to assist in resolving this issue. My intention has always been to meet my financial obligations with integrity, and I trust the bank will act in accordance with principles of fairness and due process.

Thank you for your prompt attention to this matter. Please find the referenced documents attached for your review. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance.

Company or Organization : XXXX Account Number : 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 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
This complaint is submitted against Lendly XXXX XXXX ( Lendly ) and its rent-a-bank partner XXXX XXXX XXXX XXXX XXXX XXXX operating under the XXXX XXXX XXXX. The companies have engaged in a systematic pattern of deceptive, abusive, and unlawful behavior in connection with a high-interest installment loan. 

The conduct at issue includes multiple egregious violations of federal law, including but not limited to : Fair Credit Reporting Act ( FCRA ) : Falsely reporting a XXXX delinquency that did not exist ; Fair Debt Collection Practices Act ( FDCPA ) : Persisting in collection efforts after receiving a certified dispute and cease-contact notice ; Truth in Lending Act ( TILA ) : Willfully refusing to provide federally mandated disclosures including an amortization schedule and full payment ledger ; Consumer Financial Protection Act ( UDAAP ) : Participating in a XXXX scheme designed to disguise the true lender and evade state consumer lending laws, while engaging in abusive credit reporting and servicing tactics. 

After receiving a payment that brought the loan current, Lendly knowingly furnished a false delinquency to credit reporting agencies. When formally disputed, they not only ignored the dispute and failed to correct the tradeline, but also bombarded the consumer with collection emailsa clear and willful violation of the FDCPA and FCRA. 

To make matters worse, Lendly refused to provide required loan documentation, including a payoff schedule and full payment historyinformation the borrower is legally entitled to under TILA. Instead, they offered a disingenuous privacy excuse, which was proven fraudulent when they sent the full loan agreement by email the following day. This shows intentional concealment and bad-faith obstruction.

Lendlys business modelpartnering with a XXXX-based bank to issue loans under lax state laws while marketing, servicing, and enforcing them nationwideis a textbook rent-a-bank scheme. It is designed to circumvent borrower protections, suppress transparency, and mislead consumers about their rights and obligations. 

This is not a clerical error. It is a calculated operation of regulatory evasion, deception, and consumer abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian credit report is reporting that my student loan balance is {$84000.00}. Experian is reporting {$41000.00} for XX/XX/XXXX {$3600.00} for XX/XX/XXXX {$39000.00} for XX/XX/XXXX These balances are not accurate. I confirmed this by calling XXXX XXXX myself.

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 2025-05-05 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 


CLOSED NEGATIVE 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

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

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX 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/year>

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

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 





XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - {$11000.00} UNAUTHORIZED INQUIRIES PLEASE DELETE XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 





XXXX XXXXXXXX XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX - {$11000.00} UNAUTHORIZED INQUIRIES PLEASE DELETE XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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