vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-29 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-29 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: AZ

Complaint narrative:
Two of the three credit reporting agencies are not reporting my credit score accurately. Specifically, one agencies has my credit score at XXXX plus ( good ) and the others two credit agencies have my score at XXXX or less ( not good ). I have paid all my debts except two to a XXXX balance. In addition, according to Arizona Law the repo surrender by XXXX should have been taken off my credit report and/or will come of in XX/XX/year>. My XXXX  loans are all current. However, XXXX XXXX shows me as due when I have paid them twice the vehicle purchase price. ( I do not know if this is considered preditory landing at this moment? ) Although, I am thankful for XXXX XXXX allowing me to own my first vehicle : This is too much. If you are able have the other two agencies clean up my credit report it would allow me to pursue the American Dream of Home Ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Two of the three credit reporting agencies are not reporting my credit score accurately. Specifically, one agencies has my credit score at XXXX plus ( good ) and the others two credit agencies have my score at XXXX or less ( not good ). I have paid all my debts except two to a XXXX balance. In addition, according to Arizona Law the repo surrender by XXXX should have been taken off my credit report and/or will come of in XX/XX/year>. My student loans are all current. However, Credit Acceptance shows me as due when I have paid them twice the vehicle purchase price. ( I do not know if this is considered preditory landing at this moment? ) Although, I am thankful for Credit Acceptance allowing me to own my first vehicle : This is too much. If you are able have the other two agencies clean up my credit report it would allow me to pursue the American Dream of Home Ownership.

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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

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 2025-09-29 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: Experian Information Solutions 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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your claim that I owe a debt. This letter is a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized statement of any fees or interest.

3. Proof that I am legally obligated to pay the debt, such as a signed contract or account statement.

4. Verification that you are licensed to collect debts in my state, including your license or registration number.

5. A copy of any judgment, if applicable.

Please note that until this information is provided, you must cease collection activity. Also, be advised that reporting unverifiable information to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 

I request that all communication with me be in writing. Do not contact me by phone. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
On Friday, XX/XX/year>, I sent a certified letter to XXXX XXXX XXXX at XXXX, requesting written validation of a debt under the Fair Debt Collection Practices Act ( FDCPA ). I asked for : the amount of the debt, the name of the original creditor, and proof that the collector has the legal right to collect the debt. 

As of today, I have not received any response. Despite this, the collector continues attempting to contact me through calls and messages. I am concerned that they are violating the FDCPA by refusing to provide proof and continuing collection attempts without validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I do not know from there to start, but my situation is really sad. I am US Senior  Citizen and I am not the one who checks his credit every day. Last time I did 5 years ago. Today I checked my credit reports and got really disappointed. Some scam artists theft my information and managed to obtain auto loans from XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. All fraud accounts are good standing, but they are not mine and are result of identity theft. I wan na remove them from my name to prevent upcoming fraud under my name. I already notified creditors and consumer reporting agencies about fraud account and was requested to send FTC report to complete investigations. Please remove fraudulent information from my Experian and Equifax credit reports, XXXX does not report inaccurate information. Additionally, under FCRA 605B, I am requesting that you block all fraudulent accounts and related information within 4 business days of receiving this letter. I am including a copy of my Identity Theft Report to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
Supplemental to current pending CFPB Claim # XXXX ( Planet Home Lending LLC ) & CFPB Claim # XXXX ( XXXX XXXX XXXX ) I write to request expedited review of my pending complaint concerning Planet Home Lending , LLC ( servicer/claimed secured party ) and XXXX XXXX XXXX ( originator ) XXXX A foreclosure hearing is currently set for XX/XX/year>, creating imminent risk of loss despite federal-level evidence that the debt was cancelled and securitized. 

1 ) Summary of Federal Concerns IRS Evidence of Cancellation/Disposition : XXXX filed Form XXXX099-C ( cancellation ) and 1099-B ( disposition/securitization ) ; both appear on my IRS transcripts. Notwithstanding, Planet has continued foreclosure activity. 

Regulatory Misrepresentations : In XX/XX/year>, Planet represented to the VA Loan Guaranty system that it was both lender and servicer before any assignment was recorded ; in XX/XX/year> Planet appeared as secured party on my homeowners insurance. 

Chain-of-Title Defect : The XX/XX/year> recorded assignment places the obligation into my personal name, not the owner of record ( Trust ) a break in title inconsistent with prior records and trust ownership.

Litigation Conduct : Planet sought and obtained a continuance as an interested party without intervening ( MD Rule 2-214 ), while its counsel also acts as substitute trustee, reflecting conflicts and procedural abuse. 

2 ) Potential Federal Law Issues ( for CFPB investigation ) UDAAP ( 12 U.S.C. 5531 ) : Continuing foreclosure and making inconsistent representations ( IRS/VA/insurance/court ) on a cancelled/securitized debt may be unfair and deceptive.

Furnisher Accuracy ( 15 U.S.C. 1681s-2 ) : Any tradelines or servicing reports that treat a cancelled debt as collectible risk inaccurate furnishing.

RESPA/Reg X Servicing ( 12 C.F.R. 1024 ) : To the extent error-resolution or information requests were ignored or foreclosed upon by litigation tactics, Planets servicing practices warrant review for 1024.35/1024.36 compliance.

Use of Litigation as a Collection Lever : Pursuing foreclosure under conflicting ownership/assignment narratives after 1099-C/1099-B indicates potential abusive conduct.

3 ) Imminent Harm With a XX/XX/year> hearing, I face irreparable harmloss of home and clouded trust titlebased on a debt XXXX treated as cancelled/disposed at the federal level. I respectfully request accelerated attention so CFPB can obtain responses from Planet/XXXX before that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-29 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-29 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IN

Complaint narrative:
I was coheres into buying a time share in XXXX of XXXX not only was I pressured to buy it but everything they told me about owning it was a lie. So, about XXXX of XXXX I hired a timeshare exit company to get me out of the timeshare. I was then told after several month that I was released from my contract with them. I have not ever heard one word from the timeshare company, or have I received anything in the mail from them stating otherwise in all this time and then I tried to purchase a house about a year and a half ago. My credit report started to show that the I still owe on the timeshare, and they are showing 120 rolling late payments. I sent them a letter asking them for proof about 2 months ago and have not heard anything form them. XXXX has removed it but the other two still show the late payments.

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 2025-09-29 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: WI

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 2025-09-29 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: MA

Complaint narrative:
To Whom It May Concern, I recently obtained and reviewed a copy of my credit report, and I was very concerned to discover multiple accounts that are fraudulent and were opened without my authorization. These accounts do not belong to me and are the direct result of identity theft or unauthorized use of my personal information.

The presence of these fraudulent accounts is causing significant harm to my credit profile. They are lowering my credit score, misrepresenting my financial history, and preventing me from being able to obtain credit under fair terms. This situation is unfairly damaging my financial reputation and ability to meet my obligations.

I respectfully request that you : 1. Conduct a thorough investigation of the accounts I am disputing, as required under the Fair Credit Reporting Act ( FCRA ). 
2. Remove these fraudulent accounts from my credit file immediately, or block them from appearing, as they can not be verified as belonging to me.

3. Provide me with written confirmation of the results of your investigation, along with an updated copy of my corrected credit report.

Please note that I am prepared to provide any supporting documentation needed to confirm my identity and demonstrate that these accounts were not opened or authorized by me. This may include a copy of my government-issued ID, proof of residence, a highlighted copy of my credit report, and if necessary, a police report or identity theft affidavit. 

I appreciate your prompt attention to this matter. Given the serious impact on my creditworthiness, I kindly ask that this issue be resolved as quickly as possible and that I receive written confirmation once the fraudulent accounts are removed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation