vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NY

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XXXX of 2025, I completed a job for a friend of mine iXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Once completed, he wrote me a check with paXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on it, which was not correct. He crossed it out and instead wrote my name XXXX XXXX instead. I proceeded to make a mobile deposit on my phone, and the funds immediately left his account and moved to PNC. PNC never processed the deposit and the funds didn't ever actually clear my account. Wondering what was taking so long for this check to go through, I visited the branch again and again asking for answers as to what was going to happen to this check. They instructed me that it was not going to go through and that I should ask the customer for a new check. 

I asked him for the new check with the correct Pay to written on it, and made a deposit again. These funds also left his account and this check posted to my account. Since the customer now had {$7000.00} ( XXXX identical checks for {$3500.00} ) come out of his account, he was upset about that. The bank told me that the first check I had deposited was going to stay in my account and that I should write him a check back for the same amount of {$3500.00} in order to make sure he had not been charged twice. He and I are both honest, and wanted to to the right thing for the other, so I had no problem doing this. 

He went ahead and cashed the check I wrote him, and got his money back. From his perspective, XXXX check for {$3500.00} cleared his account and the affair has concluded. Fast forward XXXX days, PNC places a debit hold on my account for {$3500.00} and takes the money away from me. 

Since XX/XX/XXXX ( when this debit memo came out of my account ) I have repeatedly called PNC management, visited the branch, and left the department involving checks messages XXXX times now and have heard absolutely nothing. 

This is not right, the bank let my customers check clear his account and PNC has the money but they are just indefinitely holding the funds and I am in a bad position. They have been unclear in their answers, giving inconsistent information, and at this point just ignoring me. As far as I know holding funds from customers indefinitely is illegal, and I need them to give me the money that they already have taken out of my customers account. 

At this point, I am not only unpaid for work I performed for this customer but also am in the red for the equipment I purchased for him as part of the job. I am being double screwed here and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-18 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: MD

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

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, my employer initiated a background check through HireRight as a condition of employment. The report has been delayed due to a single document from the state of Hawaii. For over XXXX weeks, I have been waiting for the check to clear so I can begin working at a XXXX, but HireRight continues to delay the process without providing specific updates or accountability. 

Each week, HireRight pushes the estimated completion date back without explanation. Despite repeated phone calls and emails from both myself and my employer, no one at HireRight has been able to offer a resolution or confirm when the background check will be completed. I have lost XXXX weeks of work and income while waiting. 

This delay is causing severe financial and professional harm. I am requesting that HireRight be held accountable for unreasonable delays and poor communication, and that steps be taken to expedite the completion of this background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, two auto loan accounts were fraudulently opened under my identity with XXXX XXXX XXXX and XXXX XXXX XXXX. I have no knowledge of these accounts, never authorized them, and did not apply for any auto loans during those times. Additionally, my personal information was compromised in both the Equifax and XXXX data breaches, which I believe is how my identity was stolen and misused.

On multiple occasions, I submitted formal disputes to the credit reporting agencies and provided an FTC Identity Theft Report, government-issued identification, and proof of address to support my claims. Despite this, these fraudulent auto loan accounts have reappeared on my credit reports, violating my rights under FCRA 605B, which requires that such accounts be permanently blocked within 4 business days upon receipt of identity theft documentation. 

Furthermore, I discovered several unauthorized collection accounts on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXXXXXX XXXXOpened XX/XX/XXXX {$13000.00} These were not initiated or authorized by me, and I did not conduct any transactions associated with them. 

Lastly, a suspicious closed account with XXXXXXXX XXXX XXXX which was closed on XX/XX/XXXX, continues to appear on my credit report despite its involvement in prior fraudulent activity. 

I am requesting immediate enforcement of my rights under the FCRA, permanent deletion of all unauthorized accounts, and assurance that they will not be reinserted into my credit file again without full reinvestigation and written notice as required by 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 explanation
Consumer complaint received 2025-06-18 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:
In XX/XX/XXXX and XX/XX/XXXX, two auto loan accounts were fraudulently opened under my identity with XXXX XXXX XXXX and XXXX XXXX XXXX. I have no knowledge of these accounts, never authorized them, and did not apply for any auto loans during those times. Additionally, my personal information was compromised in both the Equifax and XXXX data breaches, which I believe is how my identity was stolen and misused.

On multiple occasions, I submitted formal disputes to the credit reporting agencies and provided an FTC Identity Theft Report, government-issued identification, and proof of address to support my claims. Despite this, these fraudulent auto loan accounts have reappeared on my credit reports, violating my rights under FCRA 605B, which requires that such accounts be permanently blocked within 4 business days upon receipt of identity theft documentation. 

Furthermore, I discovered several unauthorized collection accounts on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXXXXXX XXXXOpened XX/XX/XXXX {$13000.00} These were not initiated or authorized by me, and I did not conduct any transactions associated with them. 

Lastly, a suspicious closed account with XXXXXXXX XXXX XXXX which was closed on XX/XX/XXXX, continues to appear on my credit report despite its involvement in prior fraudulent activity. 

I am requesting immediate enforcement of my rights under the FCRA, permanent deletion of all unauthorized accounts, and assurance that they will not be reinserted into my credit file again without full reinvestigation and written notice as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have submitted an identity theft report and supporting documentation to Resurgent Capital Services/ LVNV Funding LLC regarding a fraudulent collection account ( originally from XXXX XXXX  ). 

LVNV Funding LLC is the company currently reporting the account to the credit bureaus and is legally responsible as the furnisher under the Fair Credit Reporting Act ( FCRA 15 USC 1681s-2 ).

Despite submitting a valid identity theft report that correctly names LVNV Funding LLC, multiple representatives from XXXX XXXX have informed me both verbally and in recorded calls that they will continue to deny my dispute unless I change my identity theft report to incorrectly list XXXX XXXX  as the account name and alter the date opened to reflect Comenitys original opening date. 

They are attempting to create unlawful barriers to resolving my dispute by demanding inaccurate information.

Their actions violate : 1.The Fair Credit Reporting Act ( FCRA ) 2.The Fair Debt Collection Practices Act ( FDCPA ) 3.The FTCs guidelines under IdentityTheft.gov I am not obligated to know or match : The exact original creditors name, The original date the account was opened with Comenity. I am only required to report truthfully based on what I know and what I see reported on my credit report.

Under FCRA 1681c-2 ( Identity Theft Blocking Rule ) : Once you provide a valid Identity Theft Report with supporting documentation ( ID, proof of address, FTC report , affidavit ), they are required to block the tradeline and stop collection unless they can prove otherwise. 

If they think something is " insufficient, '' they have to provide specific written explanation under the law as to why. 

What LVNV Funding is doing is Illegal obstruction of my dispute, Bad faith by refusing to process a valid identity theft report, Willful violation of FCRA and CFPB rules, And This is exactly the type of pattern the CFPB sanctions companies for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: OR

Complaint narrative:
This is an attempt to collect a debt by a third party debt collector that purchased the supposed debt and was never notified of an attempt to collect a debt or verified that the debt is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
This is a formal dispute of the following reported accounts and personal information listed on my credit report. I have reviewed the records and find them to be inaccurate, unverifiable, and reported in violation of multiple federal standards, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681, and Metro 2 data reporting guidelines as governed by the XXXX XXXX XXXX XXXX ( XXXX ). 

Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 You are required by law to maintain maximum possible accuracy of all information you report. To that end, I demand that you provide : Full documentary evidence validating the origin, ownership, accuracy, and completeness of each alleged debt. 

Complete chain-of-custody records and audit trails for each account. 

A notarized affidavit from a person with firsthand knowledge attesting to : The lawful incurrence of this debt. 
Absence of insurance claims, profit-loss tax deductions, or product/service failures.

The existence of a legally binding contract bearing my wet-ink signature.

Proof of permissible purpose for each inquiry and furnishing of data under 15 U.S.C 1681b.

Full Metro 2 field-level data reporting compliance per CDIAs CRRG standards.

Failure to furnish all of the above within 20 calendar days will constitute your inability to verify the accuracy of this reporting under FCRA 1681i ( a ) ( 5 ). You must then permanently DELETE all challenged data from my credit reports and cease any further reporting or collection activity.

Continued reporting of inaccurate, unverifiable, or non-compliant data may also constitute willful noncompliance, opening your organization to statutory damages under FCRA 1681n, as well as potential state-level consumer protection violations. I reserve my right to pursue full legal remedies if you fail to comply with this request. 

All future correspondence on this matter must be in writing.

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 2025-06-18 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: FL

Complaint narrative:
Student loan accounts from XXXX were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

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 2025-06-18 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: WA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-06-18 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief