vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 

As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 

The following are the items that I would like to be removed from my credit file. 
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 XXXXXXXX Balance : {$4700.00} ; 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 non-monetary relief
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX my bank account was closed. Since XXXX I've been feeding with XXXX XXXX XXXXXXXX. On my credit report XXXX XXXX XXXXXXXX was one of the many on report. I was told there was no money in my account. I had to do 4 bank ownerships. The bank treated me unfairly and was rude and refused serviced to me for 4 years.in XXXX they apologize for the inconvenience about the treatment and they gave XXXX out of XXXX have receipts of illegal transfer and ETFs and ACH transfers. I would like all my money back. Please I would like to sue the bank for not allowing me to use service for 4 years.

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 2025-04-02 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: CA

Complaint narrative:
XXXX XXXX, XXXX XXXX : XX/XX/XXXX. 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under account number # XXXX. This account have resulted in several fraudulent hard inquiries and 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 account, collection, or hard inquiry 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: GA

Complaint narrative:
A request of debt validation claim was sent to this company requesting 1, Assignments contract 2. ) Full detail list of payment history 3. Insurance claims found in this contract 4. ) Prove chain of title according to the contract per15 USC 1692G remove all inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX and XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and furnishers but the late payments remain without proper validation or documentation. Under 15 USC 1681 S2A furnishers must report accurate information under 15 USC 1681i the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support negative 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 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Someone got a car in my name and the loan on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, stemming from fraud, should have already been deleted but remains improperly listed. Under FCRA Section 605, you are required to eliminate any incorrect records. I have previously submitted the necessary supporting documents and am including them again for your reference. My attorney is aware of the situation and prepared to pursue legal action if this matter is not resolved promptly. 
XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I request the immediate removal of fraudulent information from my credit file. This inaccurate data, stemming from fraud, should have already been deleted but remains improperly listed. Under FCRA Section 605, you are required to eliminate any incorrect records. I have previously submitted the necessary supporting documents and am including them again for your reference. My attorney is aware of the situation and prepared to pursue legal action if this matter is not resolved promptly. 
XXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>

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 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This debt is as obtained in XXXX of 2017 attempted to advise that this bypasses the allowed amount of time for collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered that my XXXX XXXX XXXX account reflects several instances of late payments, which I believe to be inaccurate. I have always made timely payments and have ensured that my account remains in good standing. 

Consumer Reporting Agencies play a critical role in maintaining the accuracy of consumer information, and it is essential that all data reported is correct. I would like to bring to your attention that I have never missed a payment on the following XXXX XXXX XXXX  account : XXXX. 

I kindly request a thorough investigation into these discrepancies. Please provide evidence, such as statements or payment history, demonstrating the alleged late payments. If you are unable to furnish such proof, I ask that you promptly update my account to reflect the true status of my payments as on-time, as I have consistently honored my payment obligations without delay. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, I noticed unusual activity in my accounts that I did not authorize. Transactions were made, and accounts were accessed without my consent. I immediately contacted the relevant companies to report the issue and took steps to secure my accounts, including changing passwords and monitoring for further suspicious activity. Then the account was closed and sent to collections. I tried to pay for this fraudulent transaction but it wasn't received and sent back by Bank Of America. I'm not sure who is responsible for the identity theft, but I would like to resolve the situation and for my credit score to go up.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I would like to see the 1099 form for closed account on my 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 explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I filed a police report online with my local police department. I then filed identity theft with FTC online. I submitted copies of my complaints to the Collections Agency that is trying to collect {$310.00} Debt Recover Solutions LLC is trying to collect a payday loan from XXXX XXXX which I never took out. I already provided them via email and mailed in copies as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I signed up for a Southwest credit card I paid my bill on time. XXXX XXXX XXXX closed my account for no reason saying that the closed it because of past relationship history. They closed a business account 20 years ago for no reason no fraud and sent remainder of what was in the account to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NE

Complaint narrative:
I am writing about the debt reported under my name on my credit report, referencing account number XXXX about TSI contacting me about a XXXX account XXXX 
I dispute this debt and the report made to the credit bureaus, as I believe the actions taken are in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, a debt collector is required to send a dunning notice within five days of initial contact to inform the debtor of the debt owed and their right to dispute it. This dunning notice is a crucial part of the process, as it ensures the debtor is aware of the debt and has an opportunity to dispute or negotiate it before any negative information is reported to the credit bureaus. 

In this case, I have not received any dunning notice, nor was I provided with the required information regarding the debt or my rights under the FDCPA. Despite this, the debt was reported to the credit bureaus without following the proper procedures outlined by the FDCPA. As a result, I am formally requesting that this debt be removed from my credit report, as it was reported in violation of the law. 

Please provide written confirmation that this debt will be removed from my credit report, and that all further collection actions will cease until the proper legal steps are taken in accordance with the FDCPA. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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 2025-04-02 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
FRAUD ACCOUNT BELOW : NOT MINE AND IS AFFECTING ALL THREE MAJOR CREDIT BUREAUS. I WILL FILE LITIGATION IF THIS IS NOT THROUGHLY BE TAKEN OFF. 


Account name HYUNDAI CAPITAL AMERICA Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$19.00}, XXXX written off. {$19.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$19000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$64000.00} Highest balance - Terms 72 Months On record until XX/XX/XXXX 2031

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 2025-04-02 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 



Disputed Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX - XX/XX/XXXXXXXX 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