vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-06 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: TX

Complaint narrative:
As outlined in the statute, if you are unable to provide valid, verifiable documentation confirming the accuracy of the account ( s ) listed below within 15 days of your investigation, you must either delete or appropriately update the disputed information in my credit file.

Furthermore, under 15 U.S. Code 1681a ( c ) ( 2 ) ( B ), credit transactions involving the use of a Social Security card are not permitted to be included in a consumer credit report. If a Social Security card was used in connection with the account, its inclusion violates federal law.

I urge you to take the necessary actions to comply with these legal requirements.

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 2025-05-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX * * * * Balance : {$520.00}, XXXX XXXX XXXX * * * * Balance : {$250.00}, XXXX XXXX NA XX/XX/year> & XXXX XXXX NA XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NV

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. 
and accuracies

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/year>, I purchased a vehicle through a dealer that financed it with XXXX XXXX XXXX. Prior to the sale, I specifically asked the dealer over the phone if anything at all was wrong with the vehicle, and he assured me there were no issues. Based on that assurance, I proceeded with the purchase. 

The vehicle was delivered on XX/XX/year>, but it arrived without the federally required Buyers Guide window sticker, in violation of FTC regulations. Immediately upon delivery, I discovered multiple serious issues : the A/C didnt work, the trailer hitch was broken, and the engine was making abnormal noises. Within XXXX hours, the camshaft failed and the vehicle broke down. 

I called the dealer the same day to report these problems and expressed that the truck was clearly misrepresented. I also noted the missing window sticker and explained that the vehicle was delivered in non-working condition, taking advantage of the fact that it was a sight-unseen sale. 

I paid to have the truck towed to a XXXX dealership, where it sat for months. I notified the dealer, and they agreed in writing to cancel the transaction and refund my {$2000.00} deposit, which I accepted. The dealer later confirmed in writing that the vehicle was repossessed from their lotnot from me.

Despite this, the credit reporting agency continues to report the loan as a repossession. I never used the vehicle, never defaulted on any payments, and received a refund. Two other credit bureaus have already corrected their reporting to reflect a transferred status. I am requesting that this agency do the same : update the record to reflect that the vehicle was returned, refunded, and the loan closednot repossessed or charged off.

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 2025-05-06 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: TX

Complaint narrative:
In XX/XX/year>, I purchased a vehicle through a dealer that financed it with XXXX XXXX XXXX. Prior to the sale, I specifically asked the dealer over the phone if anything at all was wrong with the vehicle, and he assured me there were no issues. Based on that assurance, I proceeded with the purchase. 

The vehicle was delivered on XX/XX/year>, but it arrived without the federally required Buyers Guide window sticker, in violation of FTC regulations. Immediately upon delivery, I discovered multiple serious issues : the A/C didnt work, the trailer hitch was broken, and the engine was making abnormal noises. Within XXXX hours, the camshaft failed and the vehicle broke down. 

I called the dealer the same day to report these problems and expressed that the truck was clearly misrepresented. I also noted the missing window sticker and explained that the vehicle was delivered in non-working condition, taking advantage of the fact that it was a sight-unseen sale. 

I paid to have the truck towed to a XXXX dealership, where it sat for months. I notified the dealer, and they agreed in writing to cancel the transaction and refund my {$2000.00} deposit, which I accepted. The dealer later confirmed in writing that the vehicle was repossessed from their lotnot from me.

Despite this, the credit reporting agency continues to report the loan as a repossession. I never used the vehicle, never defaulted on any payments, and received a refund. Two other credit bureaus have already corrected their reporting to reflect a transferred status. I am requesting that this agency do the same : update the record to reflect that the vehicle was returned, refunded, and the loan closednot repossessed or charged off.

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 2025-05-06 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: MI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO is trying to collect a credit card debt for LVNV Funding LLC for a credit card I never owned. LVNV Funding LLC already took me to court on this Credit XXXX credit card 5 months ago and I won the judgment XXXX XXXX court, XXXX XXXX XXXX in and for XXXX XXXX, Florida. But months later after trial I am still by harassed for the same thing I went to court for. Can you please help this stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I am a victim of identity theft. A fraudulent account was opened in my name with World XXXX  for Unknown. The account is now being collected by World XXXX. I did not authorize or benefit from this debt. I have filed an FTC Identity Theft Report, a police report, and submitted disputes to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AZ

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 store mentioned accounts. collections. and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX I received a phone call from Wells Fargo. I did not answer and let them leave me a message. I called back and verified my account by sending me a text. They said my account had fraud on it and they have frozen the account. So I went to the bank at XXXX and XXXX and worked with a banker. I had to open new accounts with new numbers and debit cards. Found out that a XXXX transaction happened on my account for {$500.00} and for {$600.00} Do you know that Wells Fargo has XXXX tied to all accounts Checking and Savings related. I was not aware of this nor have ever used it. We filed it with online services to get money back. I called back on XXXX to see when I would be credited back. I was told by a rep that the case was closed on XXXX. Said that I authorized it. I have never used XXXX XXXX did I know that I have that on my account. I was then told all Wells Fargo customers have XXXX on their accounts. I have spoken with over XXXX people on different occasions and have been transferred to many to count. I have been working with the XXXX department and I still do not have my money back. They said I would have to have proof that my phone or computer was hacked before having money back. Wells Fargo informed me of the XXXX yet I'm responsible for it. Please help me to know what I need to do. I am also filing a complaint with the XXXX, XXXX, and CFPB. My email is XXXX and 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 monetary relief
Consumer complaint received 2025-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX  XX/XX/year> Equifax XXXX XXXX XX/XX/year> Equifax XXXX XXXX ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-06 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:
The account belongs to someone else and was reported to my file in error.

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 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: MI

Complaint narrative:
I requested verification from the agency and I got no response. I have requested multiple times with no verification. This company is listed twice on my report. XXXX XXXX XXXX XXXX XXXX XXXX  I have contacted for a few years and the keep selling the debt even after I report it is not mines. 

XXXX XXXX I have reported for a few years with no response or removal from my reports. 

XXXX XXXX is another fraudulent account that is damaging my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MO

Complaint narrative:
I am writing on my own behalf to formally request that your agency provide a detailed description of the procedures used to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

This statute entitles me, as a consumer, to receive a full explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted during the course of your review. 

Please ensure that this information is provided within 15 days of receiving this request, as required by 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 2025-05-06 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: NM

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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