vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Financial Services repossessed my vehicle on XX/XX/scrub> 2025, and sold it on XX/XX/scrub> 2025. However, Toyota did not send me the legally required Explanation of Calculation of Surplus or Deficiency until XX/XX/scrub> 2025 nearly one month after the sale. 

Despite this delay, Toyota prematurely reported a {$19000.00} deficiency balance to the consumer reporting agencies before sending me notice. This deprived me of my right to review, dispute, or redeem prior to reporting.

Under Texas Bus. & Com. Code 9.616 ( UCC 9-616 ), a secured creditor must send a deficiency notice within a reasonable time after disposition. Waiting nearly a month is not reasonable, and certainly not before reporting to the credit bureaus.

By reporting a deficiency before properly issuing notice, Toyotas actions : Violated my due process rights under UCC 9.616.

Created inaccurate reporting under the Fair Credit Reporting Act ( FCRA 1681s-2 ).

Resolution Requested : Immediate deletion of the deficiency balance from all consumer credit reports.

Correction of any inaccurate reporting made to CRAs.

Written assurance that Toyota will not report deficiencies to CRAs until after proper notices have been provided.

I respectfully request CFPBs assistance in ensuring Toyota complies with its legal obligations and corrects the harm caused by its premature reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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 am not the owner of these inaccurate accounts ; as such, USC 1681g mandates their removal within 15 days.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXXXXXX XXXX XXXX  # XXXX XX/XX/year> -- {$7400.00}

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Marcadis Singer PA
State: FL

Complaint narrative:
An account is being IMMENSELY reported inaccurately by MARCADIS SINGER PA, and XXXX  being the credit bureau reporting it. The live report and dispute chart contain conflicting information regarding balance, dates, and status. As well as how the information is completely different from my credit report from XX/XX/XXXX and XX/XX/XXXX. From XX/XX/XXXX, the remaining balance reported at {$8400.00} and last payment being reported as XX/XX/XXXX. From XX/XX/XXXX, the balance was changed back to the original charged off amount of {$12000.00} and the last date of payment XX/XX/XXXX. 

This violates EVERY FCRA law in existence, including 15 USC 1681i & 15 USC 1681s-2. Account in question is as follows : Name : XXXX XXXX ( MARCADIS SINGER PA as the current furnisher ) Account number : XXXX I am fed up with the lack of proper investigation and constant violations of the Fair Credit Reporting Act. This is where I draw the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: OR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-01 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MO

Complaint narrative:
CFPB XXXX XXXX Deletion Dispute Letter To be submitted via : https : XXXX XXXX Name : XXXX XXXX XXXX ( Last XXXX digits ) : XXXX Address on ID : XXXX XXXX XXXX XXXX Missouri XXXX XXXX : XX/XX/year> Subject : Demand for Immediate Deletion of Student Loan Accounts from Credit Reports due to FCRA Violations, Lack of Verification, and Data Breach Dear CFPB, I am formally requesting an immediate investigation and removal of all student loan accounts being reported on my credit file by TransUnion, Equifax, and Experian, as well as any third-party servicers or debt buyers. 



Despite previous disputes, these accounts have not been verified with original signed contracts as required under the FCRA ( 15 USC 1681i ) and can not be legally reported without full validation. I have never been shown the original XXXX signed contract, and under 15 USC 1692g , I have the right to dispute and request validation. 



Furthermore, I was a victim of multiple data breaches, including but not limited to : XXXX, XXXX, and Aidvantage-related breaches Experian, TransUnion, and Equifax XXXX XXXX My personal data has been compromised and XXXX have been used to falsely assign or maintain accounts that are unverifiable or in violation of federal law. 



I have mailed and contacted all bureaus and the data furnishers directly. I also attached an FTC Identity Theft Report, but these loans were not removed. This failure to act violates the FCRA and constitutes negligence. 



I am demanding the removal of ALL student loan accounts within XXXX business days or I will proceed with : Civil litigation under 15 USC 1681n and 1681o Filing complaints with the FTC, State Attorney General, and BBB Seeking {$1000.00} per violation, plus punitive damages and attorneys fees Accounts to Remove : [ List loan service names and last XXXX of account numbers ] XXXX XXXX XXXXXXXX XXXX * * * * {$4100.00} {$6.00} XXXX XXXX XXXX XXXX * * * * {$10000.00} {$11.00} XXXX XXXX XXXX XXXX XXXX * * * {$5300.00} {$7.00} XXXX XXXX  XXXX XXXX * * XXXX * {$10000.00} {$11.00} XXXX XXXX XXXX XXXX * * * * {$2100.00} {$3.00} XXXX XXXX  XXXX XXXX * * * * {$3800.00} {$4.00} XXXX XXXX XXXX XXXXXXXX * * * * {$3800.00} {$6.00} XXXX XXXX XXXXXXXX XXXX * * * * {$7000.00} {$11.00} XXXX XXXX XXXXXXXX XXXX * * * * {$1100.00} {$1.00} XXXX XXXX  XXXX XXXX XXXX * * * {$3300.00} {$5.00} XXXX XXXX XXXXXXXX XXXX * * XXXX * {$4800.00} {$7.00} XXXX XXXX  XXXX XXXX * * * * {$3600.00} {$5.00} XXXX XXXX XXXX XXXX * * * * {$4700.00} {$7.00} This is your final opportunity to comply before legal action is pursued XXXX 



Sincerely, XXXX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MO

Complaint narrative:
CFPB XXXX XXXX Deletion Dispute Letter To be submitted via : https : XXXX XXXX Name : XXXX XXXX XXXX ( Last XXXX digits ) : XXXX Address on ID : XXXX XXXX XXXX XXXX Missouri XXXX XXXX : XX/XX/year> Subject : Demand for Immediate Deletion of Student Loan Accounts from Credit Reports due to FCRA Violations, Lack of Verification, and Data Breach Dear CFPB, I am formally requesting an immediate investigation and removal of all student loan accounts being reported on my credit file by TransUnion, Equifax, and Experian, as well as any third-party servicers or debt buyers. 



Despite previous disputes, these accounts have not been verified with original signed contracts as required under the FCRA ( 15 USC 1681i ) and can not be legally reported without full validation. I have never been shown the original XXXX signed contract, and under 15 USC 1692g , I have the right to dispute and request validation. 



Furthermore, I was a victim of multiple data breaches, including but not limited to : XXXX, XXXX, and Aidvantage-related breaches Experian, TransUnion, and Equifax XXXX XXXX My personal data has been compromised and XXXX have been used to falsely assign or maintain accounts that are unverifiable or in violation of federal law. 



I have mailed and contacted all bureaus and the data furnishers directly. I also attached an FTC Identity Theft Report, but these loans were not removed. This failure to act violates the FCRA and constitutes negligence. 



I am demanding the removal of ALL student loan accounts within XXXX business days or I will proceed with : Civil litigation under 15 USC 1681n and 1681o Filing complaints with the FTC, State Attorney General, and BBB Seeking {$1000.00} per violation, plus punitive damages and attorneys fees Accounts to Remove : [ List loan service names and last XXXX of account numbers ] XXXX XXXX XXXXXXXX XXXX * * * * {$4100.00} {$6.00} XXXX XXXX XXXX XXXX * * * * {$10000.00} {$11.00} XXXX XXXX XXXX XXXX XXXX * * * {$5300.00} {$7.00} XXXX XXXX  XXXX XXXX * * XXXX * {$10000.00} {$11.00} XXXX XXXX XXXX XXXX * * * * {$2100.00} {$3.00} XXXX XXXX  XXXX XXXX * * * * {$3800.00} {$4.00} XXXX XXXX XXXX XXXXXXXX * * * * {$3800.00} {$6.00} XXXX XXXX XXXXXXXX XXXX * * * * {$7000.00} {$11.00} XXXX XXXX XXXXXXXX XXXX * * * * {$1100.00} {$1.00} XXXX XXXX  XXXX XXXX XXXX * * * {$3300.00} {$5.00} XXXX XXXX XXXXXXXX XXXX * * XXXX * {$4800.00} {$7.00} XXXX XXXX  XXXX XXXX * * * * {$3600.00} {$5.00} XXXX XXXX XXXX XXXX * * * * {$4700.00} {$7.00} This is your final opportunity to comply before legal action is pursued XXXX 



Sincerely, XXXX XXXX Email : XXXX Phone : 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 2025-09-01 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 disputed fraudulent accounts with TransUnion and submitted an FTC Identity Theft Report as proof that these accounts do not belong to me. Even after providing this documentation, TransUnion has failed to remove the inaccurate accounts and continues to report them on my file. This is a clear failure to comply with the Fair Credit Reporting Act and demonstrates that my disputes were not properly addressed.

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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bridge IT, Inc.
State: MD

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX was taken out of my account without my permission, the amounts were XXXX and I want my money back asap thought this was a decent company.Only with them less than a month, and they took all this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX AND PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  AND PORTFOLIO RECOV ASSOCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MD

Complaint narrative:
This account shows a charge-off balance of {$17000.00}. I dispute this because I am requesting full validation of the debt. If the creditor can not provide a signed contract or accurate payment history, the account should be deleted 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 explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
A XXXX  XXXX bankruptcy filed in XX/XX/year> continues to be reported on my credit file. This record is now over eight years old. Its continued disclosure constitutes an outdated and disproportionate burden on my financial reputation, employment prospects, and access to credit. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to ensure maximum possible accuracy ( 607 ( b ) ) and to safeguard the confidentiality and privacy of consumer information. The ongoing publication of this bankruptcy, well beyond its reasonable period of relevance, no longer serves a legitimate credit evaluation purpose and functions only as an invasion of privacy.

Additionally, FCRA 604 limits the furnishing of consumer reports to situations where there is a permissible purpose. The disclosure of a nearly decade-old bankruptcy does not reasonably relate to my present creditworthiness or employment suitability, and therefore fails to meet the statutory standard for permissible use. 

Despite disputes filed, the agency continues to include this obsolete and privacy-invasive information in my report. Its presence results in unjust harm and undermines the FCRAs intent to balance accurate reporting with consumer protection.

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 2025-09-01 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: OH

Complaint narrative:
I am filing this complaint because I am a documented victim of identity theft. I have already filed an FTC Identity Theft Report ( Report No. XXXX ) on XX/XX/XXXX, which I am attaching as supporting evidence. Despite providing notice, my credit reports with Equifax, Experian, and TransUnion continue to show fraudulent collections and unauthorized inquiries. 

Timeline of Events XX/XX/XXXX Fraudulent accounts were opened and placed into collections under my name without my knowledge or consent. 
XX/XX/XXXX I filed an FTC Identity Theft Report ( Report No. XXXX ). 
Present Despite submitting my report, the following fraudulent items remain on my credit file across the three major credit bureaus. 

Fraudulent Collections ( Unauthorized ) XX/XX/XXXX These inquiries and collections were never authorized by me and are the direct result of criminal identity theft. 

Legal Violations Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to have fraudulent information blocked from my credit file once I provide an identity theft report.

Under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable reinvestigation of disputed information.

Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are prohibited from reporting information they know or have reason to know is the result of identity theft.

The credit bureaus and furnishers are legally obligated to delete or block this information once presented with my FTC Identity Theft Report. 
Because of these fraudulent collections and inquiries : My credit score has been unfairly reduced. I have been denied access to fair credit opportunities. I have experienced emotional distress and wasted significant time trying to correct these errors.

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 2025-09-01 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: OH

Complaint narrative:
I am filing this complaint because I am a documented victim of identity theft. I have already filed an FTC Identity Theft Report ( Report No. XXXX ) on XX/XX/XXXX, which I am attaching as supporting evidence. Despite providing notice, my credit reports with Equifax, Experian, and TransUnion continue to show fraudulent collections and unauthorized inquiries. 

Timeline of Events XX/XX/XXXX Fraudulent accounts were opened and placed into collections under my name without my knowledge or consent. 
XX/XX/XXXX I filed an FTC Identity Theft Report ( Report No. XXXX ). 
Present Despite submitting my report, the following fraudulent items remain on my credit file across the three major credit bureaus. 

Fraudulent Collections ( Unauthorized ) XX/XX/XXXX These inquiries and collections were never authorized by me and are the direct result of criminal identity theft. 

Legal Violations Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to have fraudulent information blocked from my credit file once I provide an identity theft report.

Under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable reinvestigation of disputed information.

Under 15 U.S.C. 1681s-2 ( a ) ( 3 ), furnishers are prohibited from reporting information they know or have reason to know is the result of identity theft.

The credit bureaus and furnishers are legally obligated to delete or block this information once presented with my FTC Identity Theft Report. 
Because of these fraudulent collections and inquiries : My credit score has been unfairly reduced. I have been denied access to fair credit opportunities. I have experienced emotional distress and wasted significant time trying to correct these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, XXXX XXXX  issued an IRS Form 1099-C canceling {$1400.00} in debt on my account ending in XXXX. Despite this, Experian continues to report the tradeline with a past-due balance and charged-off status. Reporting a balance after a 1099-C is materially misleading, incomplete, and creates the false impression of an enforceable debt that no longer exists. 

On XX/XX/year>2025, I sent Experian a certified deletion-only demand letter. XXXX tracking confirms delivery. As of XX/XX/scrub> 2025 ( the 10-business-day deadline provided ), Experian has failed to delete the tradeline. 

This is not the first time. In CFPB Complaint # XXXX ( XX/XX/year>2025 ), I challenged Experians reinvestigation of this same tradeline because it showed repeated charge-off codes from XXXX ( re-aging the debt ). Experian verified the tradeline without providing a proper Method of Verification.

Experian has now ignored both my certified deletion demand and my prior CFPB case. This demonstrates a pattern of willful noncompliance under FCRA 607 ( b ) and 611 ( a ).

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