vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-08 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-08 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 late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX Mazda XXXX from XXXX XXXX XXXX XXXX XXXX, TN. The MSRP was {$36000.00}, but the dealership charged {$40000.00}. When I requested proof that I agreed to this markup, the dealership claimed there was an addendum I had signed. When I asked to see it, they stated they dont have it on record. 

My {$1000.00} down payment was never applied on the Bill of Sale or Finance Contract. On XX/XX/XXXX, I discovered a fraudulent {$1400.00} service contract that had been entered 30 days after my purchase. XXXX XXXX XXXX confirmed that the dealership manually entered and funded it, this was done without my authorization or signature. 

The dealership also renamed the XXXX policy and bundled XXXX XXXX XXXX XXXX XXXX XXXXXXXX to disguise costs on the Bill of Sale to make the loan appear acceptable to Mazda Financial Services. None of the product names or prices match between my XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX documents. 

The XXXX XXXX page of my finance contract shows it was signed at XXXXXXXX XXXX and modified at XXXXXXXX XXXX, proving post-signature alteration. I have audio recordings of the finance manager admitting to changing product names so the bank would approve the deal, and a recorded phone conversation with the warranty company confirming that the unsigned {$1400.00} contract was submitted and paid out. 

The warranty company also stated that if my finance documents show XXXX XXXX paid {$490.00}, that is all they would pay, but the dealership would pay them based on the amount listed on the contract. My finance agreement reflects that XXXX XXXX funded $ XXXX $ XXXX the dealership paid {$1400.00} to the warranty company. I only agreed to pay {$490.00}. 

I delivered written demands for rescission and settlement on XX/XX/XXXX and XX/XX/XXXX, and was told by the XXXX XXXX that they did nothing wrong. I possess all documentation, audio, and video evidence corroborating these facts. 

I also attempted to resolve this directly with Mazda Financial Services. I was transferred between multiple departments, filed a formal complaint ( Case # XXXX ), and was later told by their case manager that they dont handle this and to contact customer service, where I was disconnected. Neither the dealership nor the lender has resolved this issue. 

As a result, I am currently stuck in a finance contract paying significantly more monthly than I should have. By the end of this loan, due to the misrepresented add-ons and hidden padded charges, I will have overpaid approximately {$27000.00}, including interest. 

I possess recordings, contracts, and correspondence confirming : Post-dated, unsigned {$1400.00} contract entry ( fraudulent funding ) Misrepresentation to XXXX XXXX ( bank fraud / TILA violation ) Missing addendum and misapplied down payment Falsified documents and record-keeping violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Patient Accounting Service Center
State: PA

Complaint narrative:
I received an email notice from XXXX for a medical debt from a hospital. I had previously been working with the hospital by email and waiting for them to put the claim in their payment system. They missed XXXX bill, which they forwarded to collections. I called the number on the notice and spoke with XXXX. I wanted to find out if I XXXX I full today, if they matter would still be reported to the credit report since it was the hospital 's mistake. The notice contained a link to cfbp.gov know your rights on the notice. The website specifically states that you do not have to give your date of birth, and can verify the debt by providing the account number, full name and address. XXXX said if I wouldn't provide my DOB she wouldn't speak with me as per their company policy and hung up on me. I called back, and got the same person, and she then transferred me to a manager, XXXX ( ID # XXXX ). XXXX also said if I wouldn't give my DOB, they wouldn't speak with me. I told her as well that the government website they refer to for rights says I don't have to provide DOB, and she insisted that there could be multiple people with my exact name, at my exact address, with all the details of the account, so they would refuse to speak with me until I gave them my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 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 2025-10-08 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: CA

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 - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00}

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 2025-10-08 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: NV

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 Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00}

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 2025-10-08 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:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the 15-day period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: CA

Complaint narrative:
Subject : Follow-Up CFPB Dispute Failure of Equifax to Properly Reinvestigate and Verify Inaccurate Accounts Dear Consumer Financial Protection Bureau , I am submitting this follow-up complaint regarding Equifaxs inadequate investigation of several disputed accounts. 
Equifaxs XX/XX/year> response states that it verified certain accounts but provided no supporting documentation or verifiable proof from the furnishers as required by the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ). 
Merely claiming verified status without furnishing physical validation does not constitute compliance with the FCRAs requirement for a reasonable reinvestigation. 

Accounts Still in Dispute XXXX. XXXX XXXX XXXX XXXX Equifax stated the account belongs to you but failed to provide signed documentation or a valid contract of obligation. 

Modified fields : Scheduled Payment, Actual Payment, Additional Information, Account History. 

Without proper proof of liability or verification from the original creditor, this entry remains unverifiable. 

XXXX. XXXX XXXX XXXX XXXX XXXX 

Reported as verified but no furnisher documents were produced. 

Equifax can not lawfully continue reporting without actual evidence of the accounts accuracy. 

XXXX XXXXXXXX XXXX XXXX  Equifax states this account is reported correctly, yet it contains inconsistent dates for charge-off amounts and delinquency dates. 

No itemized proof or contract was provided to support the continued reporting. 

XXXX. XXXX. XXXX XXXX ( Collection Account ) Equifax claims it verified this item belongs to you, but did not supply a validation of the debt under FCRA 611 and FDCPA 809 ( b ). 

This account should be removed until the collector produces written proof bearing my signature and the original credit contract. 

Basis of Follow-Up Dispute Equifaxs response admits that it transmits disputes electronically to the furnisher, relying on the same unverified data rather than conducting an independent investigation. 
This violates the requirement for a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ).

Equifax also failed to provide the names and addresses of the specific furnishers contacted, as required by 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have the Chase XXXX XXXX XXXX card that i signed up for in XX/XX/XXXX. This card had a XXXX $ annual fee and XXXX $ travel bank credit that i was supposed to get 4-6 weeks after getting my card. I am also entitled to XXXX $ on my anniversary which would be XX/XX/XXXX. Chase changed the terms in XXXX of XXXX to make the fee XXXX $ with a travel bank cash of XXXX XXXX Its not XXXX of XXXX and I have not seen either the XXXX $ or XXXX $ travel banks in my account. It seems plenty of reddit users in the r/unitedairlines have had this issue with chase and this platform seems to be the only way to resolve it. I have spent over XXXX hours on the phone between chase and united with both of them pointing fingers at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sparrow Financial, Inc.
State: AR

Complaint narrative:
I Have inaccurate accounts, addresses, and inquires on my consumers report with XXXX, and XXXX. the accounts are listed as follow : Sparrow, incorrect addresses : XXXX XXXX XXXX, XXXX, AR XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX AR XXXX, Inquires : XXXX  XXXX. These accounts, inquires and addresses do not belong to me and was opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: NV

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  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-10-08 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:
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 Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

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 2025-10-08 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: GA

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

1681c2 ) that you, the Equifax 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  Date : XX/XX/XXXX XXXX XXXX  XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} 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, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: CT

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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