vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am formally disputing a derogatory credit mark reported by XXXX, a XXXX XXXX XXXX servicer, after my loan was transferred from XXXX on or around XX/XX/year>. 

Despite XXXX confirming my loan was in forbearance, they reported a derogatory status to credit bureaus. I was never notified of the transfer in advance. I only learned of the transfer after I initiated my own investigation on XX/XX/year>. XXXX then refused to provide account details until XX/XX/XXXX. 

An email confirming the transfer was sent to me after the credit damage occurred ( XX/XX/year> ). XXXX and XXXX representatives repeatedly gave conflicting information. XXXX ( XXXX rep ) confirmed my address was incorrect in their system. XXXX ( another rep ) became aggressive when I questioned violations. XXXX ( a third rep ) admitted to listening to the previous call without informing me, acknowledged the account was in forbearance, but refused to escalate or provide contact information for credit corrections. 

I also contacted the XXXX line on XX/XX/XXXX and spoke with a rep named XXXX. I remained calm and requested a supervisor multiple times. XXXX refused to escalate, talked over me, and eventually hung up. 

This situation includes : No proper notice of transfer A XXXX window where my financial information was inaccessible Credit reporting during confirmed forbearance Conflicting internal records Mishandling of escalation requests Failure to provide any dispute or resolution path I have emailed both XXXX and XXXX and forwarded documentation to XXXX, the FTC, and CFPB. The credit mark must be removed immediately under the Fair Credit Reporting Act and federal loan servicing guidelines. I am also requesting this incident be flagged within the XXXX XXXX XXXX system.

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 2025-08-18 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: SC

Complaint narrative:
equifax continuing to report negative item reinserting them this is my police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I informed that account is beyond XXXX XXXX XXXX, per the Fair Credit Reporting Act, this account was opened XX/XX/2018 therefore reached its XXXX XXXX XXXX limit which it should 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 2025-08-19 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: MD

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 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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been attempting for months to correct the errors appearing on my credit report, as maintaining accurate creditworthiness is of utmost importance to me. These inaccuracies have caused significant harm to both my financial opportunities and my personal well-being. Despite my repeated requests and complaints, the issues remain unresolved, which only intensifies the negative impact on my life and credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: FL

Complaint narrative:
I ordered a prepaid credit card from First Latitude. I did not use it not once. It was for rental car purposes only. I then called to cancel the card approximately a month later although they seem to have no records of this call. They say I charged {$39.00}. To a place called " XXXX XXXX TV all protect '' would not give me the date or anything else about this transaction and the next statement I get is charging me fees of {$150.00}. And interest of {$8.00}. I dispute the charge therefore I wouldn't have known about the late fees and interest bc there wasn't anything charged to the card. They say no they will not dispute the charge and I'm stuck with {$150.00} in late fees and {$8.00} in interest on this {$39.00} charge I never made. They would not give me my account number either and when I called the first time to request it cancelled and my money back I cut the card up so all I know is it starts with XXXX and ends in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
Correct my address and name as shown to all credit bureau

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 2025-08-19 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 seeking your help to remove unauthorized accounts listed on my credit report. I never opened or authorized them, and I was not notified of their inclusion. Pursuant to USC 1681g, I request they be removed within 15 days. Enclosed are supporting files.

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 2025-08-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Nationwide Credit Corporation
State: MD

Complaint narrative:
On or about XX/XX/XXXX, I discovered a Nationwide Credit Corporation ( NCC ) collection for {$1100.00} on my credit reports. The tradeline shows Opened XX/XX/XXXX and lists NCC as the original creditor, which is inaccurate because NCC is a third-party debt collector. I never authorized or opened any account related to this debt. Actions I took when i Filed an FTC Identity Theft Report and gathered proof of identity and address. Sent NCC a debt validation/direct dispute by certified mail, requesting the signed contract, itemized accounting, and chain of assignment. NCC did not provide proper validation and continued reporting. Disputed the collection with all three credit bureaus. Experian deleted the collection ( as of XX/XX/XXXX, my Experian file shows XXXX collections ). Equifax and TransUnion have not deleted the item and did not provide a proper Method of Verification showing how it was verified. Equifax and TransUnion are continuing to report an unverified, identity-theftrelated collection despite receiving my FTC report and disputes. NCC is reporting and/or furnishing information without mailing complete validation. The ongoing reporting has negatively affected my credit standing and ability to obtain credit on fair terms.

Equifax and TransUnion to block and delete the NCC tradeline and provide the Method of Verification used in their reinvestigations.

NCC to cease collection and delete the tradeline unless it can produce admissible documentation proving I authorized the account. 

Written confirmation from all parties and prevention of any re-insertion absent certified documentation. 

Documents I can provide FTC Identity Theft Report, proof of identity/address, copies of my dispute letters and certified-mail receipts, Experians deletion screenshot, and any responses received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
To : XXXX XXXX XXXX XXXX [ Insert Address Corporate/Compliance Dept ] Re : Account # XXXX / VIN : XXXX NOTICE OF INTENT TO SUE This letter serves as my formal Notice of Intent to Sue Nissan Motor Acceptance Corporation ( NMAC ) for multiple violations of federal consumer protection laws. 

I have already sent XXXX written disputes regarding this alleged account. Despite those notices, you failed to provide proper validation of the debt. Instead, you continued to update and report the account as derogatory on or about XX/XX/year>. 

Your actions constitute violations of : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Reporting unverifiable and inaccurate information after receiving direct disputes.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) : Continuing collection activities ( including reporting ) without providing validation.

FCRA, 15 U.S.C. 1681i : Failing to conduct a reasonable reinvestigation after multiple disputes.

FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information with actual knowledge of inaccuracies.

DEMANDS 1. Immediate deletion of this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ).

2. Written proof of validation of the alleged debt, including the original signed contract, complete payment history, and lawful assignment.

3. Confirmation in writing within 7 business days of receipt of this letter that the account has been permanently deleted or validated with proper documentation.

NOTICE OF INTENT TO LITIGATE Failure to comply within 7 business days will leave me no choice but to file suit against Nissan Motor Acceptance Corporation in state and/or federal court for : Statutory damages under the FCRA ( {$1000.00} per violation ).

Statutory damages under the FDCPA ( {$1000.00} per violation ).

Actual damages for harm to my credit, denial of financial opportunities, and emotional distress.

Attorneys fees and court costs. 

I will also file formal complaints with the CFPB, FTC, and State Attorney General. 



RESERVATION OF RIGHTS This letter is not an offer of settlement but a formal legal notice. I reserve all rights under state and federal law to pursue the maximum remedies available

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: 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 XXXX 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 : XXXX * * * * * * *, Date Opened : XX/XX/year>, Balance : {$1600.00} 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 XXXX 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 explanation
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Address : XXXX Deer Pass, XXXX XXXX TX XXXX TransUnion, Equifax XXXX Experian ( URGENT MATTER ) XX/XX/XXXX Please update my personal information. I am providing identification and a phone bill to support my accurate information. I should only have XXXX address which is XXXXXXXX XXXX XXXX, XXXX, TX XXXX, My name should be XXXX XXXX ( no middle name ) Remove fraudulent addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, KY XXXX FCRA LAW | Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

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 2025-08-19 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: PA

Complaint narrative:
* * To : * * Experian TransUnion Equifax -- - * * Subject : * * URGENT REQUEST : METHOD OF VERIFICATION & REMOVAL OF FRAUDULENT ACCOUNT NOTICE OF FCRA VIOLATION PENALTIES To Whom It May Concern, This letter serves as notice of your direct violation of said law, and I am filing a legal complaint for continuing to violate my credit by reporting and verifying fraudulent accounts. The following account is not mine and was opened or reported without my knowledge or consent : * * * XXXX XXXX XXXX * * Collection Under the * * Fair Credit Reporting Act ( FCRA ) * * * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * I am requesting a reinvestigation and a detailed explanation of your method of verification. Per * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, you must provide the name, address, and phone number of each furnisher of information.

Under * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * *, furnishers must not report information they know or have reasonable cause to believe is inaccurate. Continuing to report or verify these fraudulent accounts constitutes a willful violation of the FCRA.

* * NOTICE OF PENALTIES : * * Willful noncompliance with the FCRA subjects Experian, TransUnion, Equifax, and data furnishers to statutory damages of * * \ {$1000.00} per violation * * ( 15 U.S.C. 1681n ), actual damages, punitive damages, attorneys fees, and costs. Additionally, each violation may result in civil penalties imposed by federal authorities.

If this fraudulent account is not deleted within 7 days, I will pursue all available legal remedies, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and considering civil action for damages. 


Please provide the requested verification and confirmation of deletion in writing. 

Sincerely, * * 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 2025-08-18 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: Experian Information Solutions 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 Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$1600.00} 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 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