vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: NJ

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested this account listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : XXXXActual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
XXXXA detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
3.The names, contact information, and job titles of the individuals who handled my dispute. 
XXXXA statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

This account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see these account are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 2025-05-23 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-23 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: MN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-23 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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally request that you report an account on which I am an authorized user to the major credit reporting agencies. 

I was added as an authorized user on the following account : Primary Cardholder Name : XXXX XXXX Issuer : XXXX. XXXX XXXX ( XXXX ) Account Ending In : XXXX Date Added as Authorized User : XX/XX/year> To date, this account is not appearing on my credit reports with XXXX, Equifax, or XXXX. As an authorized user in good standing, this account should be reported in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) : Duty of furnishers to provide accurate information 15 U.S. Code 1681s-2 ( b ) : Duties after receiving notice of a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally request that you report an account on which I am an authorized user to the major credit reporting agencies. 

I was added as an authorized user on the following account : Primary Cardholder Name : XXXX XXXX Issuer : XXXX. XXXX XXXX ( XXXX ) Account Ending In : XXXX Date Added as Authorized User : XX/XX/year> To date, this account is not appearing on my credit reports with XXXX, XXXX, or TransUnion. As an authorized user in good standing, this account should be reported in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) : Duty of furnishers to provide accurate information 15 U.S. Code 1681s-2 ( b ) : Duties after receiving notice of a dispute

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 2025-05-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-23 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:
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.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This complaint is filed against TransUnion, LLC for unlawfully denying me access to : My free annual credit report Online dispute services... in violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ) as a documented fraud victim and human trafficking victim.

Details of Violation : On multiple occasions, I attempted to : View my credit report via annualcreditreport.transunion.com Access and manage disputes at service.transunion.com Both portals displayed error messages stating that my request could not be completed online. I was advised to call or mail in a request. These options are inaccessible, inefficient, and harmful given my status as a vulnerable consumer.

As a victim of : XXXX XXXX ( supported by a certified self-attestation filed with TransUnion on XXXX XXXX  2025 ) Identity theft ( FTC Report # XXXX submitted XXXX XXXX, 2025 ) ... I am entitled to timely access, transparency, and fair use of dispute systems, including online tools which are critical for real-time monitoring and defense of my personal identity.

Legal Basis : Under the Fair Credit Reporting Act : FCRA 605B ( c ) and 605C ( c ) require swift and responsive action when a victim requests protection.

FCRA 609 ( 15 U.S.C. 1681g ) guarantees access to credit reports without unreasonable delay or limitation.

FTC Identity Theft Rules and XXXX victim protections demand enhanced access and consumer support for those affected.

By blocking or denying my ability to : Review my report online Initiate or monitor disputes digitally TransUnion is in willful violation of my consumer rights.

Impact and Harm : I am unable to confirm whether TransUnion has corrected or removed the disputed fraudulent accounts.

I can not verify third-party inquiries or check for reinsertion of blocked data.

I am left vulnerable to further identity abuse and financial harm.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This bankruptcy was XXXX over 8 years ago and is no longer legally reportable under FCRA 605 ( a ) ( 1 ). Please remove it from my credit file. 

Type : XXXX XXXX XXXX Status : XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX Closing Date : XXXX Asset Amount : {$0.00} Court : Federal Liability : {$0.00} Exempt Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Toyota Credit De Puerto Rico Corp.
State: PR

Complaint narrative:
I am writing to urgently request the correction of inaccurate information reported on my credit history regarding a Toyota Financial account under the name XXXX XXXX XXXX, in which I was listed as a co-signer. 

The vehicle was paid off in full in XX/XX/XXXX. The Toyota Financial account profile shows a {$0.00} balance, confirming that the account is fully paid and closed. This status has already been accurately reflected in the credit report of XXXX XXXX XXXX. 

However, my credit report still shows an outstanding balance of {$4800.00} and XXXX late payments, which is incorrect. Please find attached evidence of the following : XXXX. Payment receipts clearly showing the full settlement of the account. 
XXXX. A screenshot of the Toyota Financial account showing a {$0.00} balance. 
XXXX. A copy of the communication sent on XX/XX/XXXX, requesting this correction. 

I have been informed that the payments were processed, yet no one is able to explain where the money went, which is extremely concerning. To make matters worse, I have been reaching out for several weeks to verify the status of this investigation, but no one has been able to provide answers. My calls have been repeatedly dropped or left unresolved. 

This issue is having a severe negative impact on my credit and is hindering my current financial processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written permission.

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 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
I already sent in proof that I didn't open the account but I guess it's wasn't enough. I waiting on them to send me the paperwork again. Never received it. But I got a copy of the FTC report. I never made a police report because I just found out about the debt last year when my checks was getting garnish. So I guess what I sent in wasn't enough evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have been on autopay since XXXX I have never missed a payment or went delinquent, because I have been on autopay. After contacting Target, they have no explanation as to why my autopay was shut off or why I didnt receive ANY notification regarding it being removed from my account. I received statements, and just assumed I needed to pay more than my monthly amount since nothing about removing autopay was in the statement, email, OR in my message center. I didnt receive any contact whatsoever during this entire process, and now I have a permanent late payment on my credit card over my XXXX dollar monthly fee. They are filing a dispute, but I would like to cover all angles because this is emotionally and financially damaging to myself and my family. This entire process was out of my control, and whatever technical error happened shouldnt have to reflect poorly on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CA

Complaint narrative:
I am a victim of identity theft and a member of an indigenous tribal nation. I am writing to formally request the immediate blocking and deletion of fraudulent accounts that have been opened or reported without my knowledge or authorization, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which protects consumers from identity theft and inaccurate reporting. 

The following accounts and inquiries were fraudulently created using my personal identifying information and do not belong to me : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Account Number : XXXX XXXX/ XXXX Spectrum XX/XX/XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX These items were not authorized by me and are the result of fraudulent activity, likely tied to a recent national data breach. I have submitted a formal identity theft report to the Federal Trade Commission ( FTC ) and request that these items be permanently removed from my credit report under my rights pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft blocking FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputes FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of furnishers to investigate and correct inaccurate or fraudulent information As an indigenous tribal member, I assert my sovereignty and demand the restoration and protection of my personal identity and consumer rights. I am including documentation in support of this request, including my FTC Identity Theft Report and Affidavit of Truth.

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 2025-05-23 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: Phillips & Cohen Associates, Ltd.
State: FL

Complaint narrative:
I am filing a complaint against both XXXXXXXX XXXX and XXXX XXXX for improper credit reporting and failure to acknowledge a debt payment. The original account with XXXXXXXX XXXX was charged off and sold to XXXX XXXX, who became the collector. 

I paid XXXX XXXX in full for XXXXXXXX XXXX last payment was XX/XX/year>, and I have documentation of the transaction. Despite this, XXXX XXXX now claims they did not receive payment, and the debt continues to be reported as unpaid across my credit reports. 

This is inaccurate, misleading, and damaging to my credit. I attempted to resolve this with XXXX XXXX, but they refuse to acknowledge my payment or update the account. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), this account should be reported as paid in full ( or settled ) and no longer listed as an active derogatory item. 

I am requesting the CFPB intervene and : XXXX. Require XXXX XXXX to investigate and acknowledge my proof of payment XXXX. Ensure XXXXXXXX XXXX updates their tradeline to reflect the sale and closure of the debt XXXX. Ensure all credit reporting agencies reflect the accurate and resolved status of this account They have now sold it again to Philips and Cohen supposedly and XXXX cant get anyone to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: MN

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 2025-05-23 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: FL

Complaint narrative:
I am disputing fraudulent items on my credit report that are results of being XXXX. I have attached the letters provided to me by a non profit that is assisting me get my life back in order.

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