vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX XXXX XXXX Date : XXXXXXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal Dispute & Demand for Immediate Deletion Violations of FCRA 609, 611, 623 & FDCPA 809 ( b ) To Whom It May Concern, This letter serves as a formal dispute and final demand for full validation of the alleged account you are reporting to the credit bureaus. You are hereby notified that any continued reporting, collection, or verification of this account without complete and proper validation constitutes a willful violation of federal law under the FCRA and FDCPA. 
Pursuant to FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 609, 611, and 623, you are required to provide the following : 1. A complete and original signed agreement or contract between myself and the original creditor showing clear proof of obligation.
2. A complete chain of title, including purchase and assignment agreements, proving legal ownership of this alleged debt.

3. A full, detailed, and itemized payment history and accounting ledger including all charges, fees, and interest from inception.

4. Proof of your license and authorization to collect or furnish data in my state.

5. Documentation proving the correct Date of First Delinquency ( DOFD ) reported to the bureaus, as required by FCRA 623 ( a ) ( 5 ).

6. A written explanation supported by documents showing how this information was verified prior to being reported. 
Failure to provide all requested documents within the legally required timeframe will require you to : Cease all collection activity immediately Delete this account from all consumer reporting agencies Refrain from re-reporting unless full compliance with the law is met Be advised that under FCRA 611 ( a ) ( 1 ) ( A ), you are required to conduct a proper investigation and remove unverifiable data. Furthermore, under FCRA 623 ( a ) ( 1 ) ( A ), knowingly furnishing false, incomplete, or unverifiable information is a direct violation of federal law.

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office. In addition, I will pursue legal remedies under FCRA 616617 and FDCPA 813 ( 15 U.S.C. 1692k ) for statutory damages, court costs, and attorney fees.

This is not a requestit is a final legal demand. You have been officially notified. 
Sincerely, 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 explanation
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
After reviewing my credit report, I notice that I have a fraudulent collection listed on my credit report. I have been made aware that my secure personal information as been leaked in a Transunion data breach via Transunion and XXXX. The negative account has hurt my ability to obtain new credit. I have been a victim of identity theft. please remove the negative collection from 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 non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Check was deposited via an ATM at a branch location. Check is a consistent weekly check for a similar amount. Check is from same bank as Check was deposited at. Check was placed on a 100 % hold and won't be cleared for 4 days. 
Customer service is given no power to override and financial issues and cash flow issues will be problematic for me due to this. No reasonable explanation was given or quality customer service, management, employee empowerment to work with me. Representative within bank who encouraged me told me prior to me opening the account that this would not be an issue and funds would be available immediately or next day in said circumstance. I have been betrayed and would like my situation to be unique and not happen to the many other people in my financial situation who may not be able to feed their children properly so that banks can accrue interest on money they have done nothing to earn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, 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 2025-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: FL

Complaint narrative:
My husband and I obtained a loan from Lendmark Financial Services on XX/XX/XXXX for {$5400.00}. In XX/XX/XXXX, I made a large payment of {$1500.00} towards the loan balance. Lendmark applied about {$1400.00} to principal and only {$44.00} to interest, which made sense and showed my balance going down. But after that point, I noticed that every regular monthly payment of {$180.00} was applied 100 % to interest, with nothing reducing the principal. From XXXX through XX/XX/XXXX, my balance stayed stuck at around {$3900.00}. According to the attached loan agreement, 'interest accrued daily at a rate of 33.41 % per annum '. On a {$3900.00} balance, the rate equals about {$110.00} per month in interest. Instead, Lendmark posts my entire {$180.00} payment as interest each month - about {$70.00} higher than what the note allows. This is inconsistent with their own disclosure and effectively turned my loan into an interest-only loan, which was never explained to me or my husband ( two witnesses ). Separately to this, I later discovered an insurance add-on attached to the loan. My husband and I never knowingly agreed to this coverage and only found out about it 18 months later when we saw it in the online portal. I immediately called to cancel, and in XX/XX/XXXX, Lendmark credited just {$100.00} back to the principal. When I complained, Lendmark responded that we had consented and produced a partial contract that includes our electronic signatures. However, we believe the insurance page itself was skipped during the signing, as we never knew about its existence. Importantly, their response did not explain : 1. How monthly interest calculated under the 33.41 % APR 2. Why is every {$180.00} payment applied 100 % to interest 3. Why has our principal balance not been reduced despite regular payments After researching Lendmark, I now see that we are not alone. There are active lawsuits against the company and numerous complaints filed with the XXXX  describing similar issues of misapplied payments, add-on products, and unfair loan structures. This reinforces our stance that our case is part of a larger pattern of deceptive practices. 

Based on all of these, my husband and I believe Lendmark has misled us about both the payment structure and the insurance add-on, trapping us in debt despite consistent payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I was trying to open a checking account this year and I was denied

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 2025-09-05 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: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

DPT EDXXXX Account # XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I recently became aware of a fraudulent account under my name in XXXX with XXXX XXXX in the amount of {$2200.00}. I first disputed the account with the credit agendies but was informed in XXXX that I needed to dispute this with the collection agency Transworld Systems Inc. I disputed the account with the collection company Transworld Systems back in early XXXX and was informed that I would need to dispute the account with XXXX  instead, so I filled all the appropriate paperwork out and also reported the identity theft to the FTC as well and submitted this to XXXX  on XX/XX/XXXX. I was informed on XX/XX/XXXX that they deemed this account to be fraudulent, and they would suspend collection action immediately. 

Over the past 8 weeks since I was notified of this, the account still shows in collections on my credit report, and I have checked with Transworld numerous times since that time, and they have informed me each time that they are waiting for XXXX to resolve the account. When I contact XXXX, they inform me that the account has indeed been closed and that it is the responsibility of Transworld to remove this from my credit agency reporting. 

When I contacted Transworld today on XX/XX/XXXX, they tell me that XXXX has informed them that the account is valid and that I owe on the account, despite my letters and calls from XXXX that says otherwise. They will not remove the account despite the numerous documents that I have provided to them that they have requested since XX/XX/XXXX when XXXX informed me they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that are not meeting the standard of maximum possible accuracy required under the law. These errors are causing ongoing harm to me financially and personally, and their continued presence is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have checked my credit report and noticed that I have some inquiries in my credit report because they have been unauthorized, the following inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX For any update please let me know at my email : XXXX thanks

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 2025-09-05 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: CA

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-05 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:
Trans unions has multiple data breaches and everytime theres a breach something new is added on my credit report I have dispute several times no help. The same with Experian. Ive uploaded my disputes. Ive upload credit report Ive upload everything since XX/XX/year>XXXX  from the last data breach. Requesting all be removed and I be compensated for money spent to move and not approve because of my credit report from trans union.

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 2025-09-05 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: IL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-09-05 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: NY

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish my credit report when there is a permissible purpose, such as when I have initiated a credit transaction, applied for employment, or given explicit authorization. I have not authorized the following inquiries, and therefore, they are unlawful : [ List unauthorized inquiries, creditor name & date ] Under 15 U.S.C. 1681i, I have the right to dispute information on my credit report, and you are required to conduct a reasonable investigation of my dispute. If you can not verify that these inquiries were made with my explicit written consent or for a permissible purpose, you must delete them from my credit file.

Please provide me with written confirmation of your investigation results and a corrected copy of my credit report once these unauthorized inquiries have been removed. 

If you fail to remove these inquiries, you will be in violation of the FCRA, and I will not hesitate to pursue all remedies available to me under federal law, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Thank you for your prompt attention to this matter. I expect your full compliance within the 30-day investigation period as required by law. 

Sincerely, 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 explanation