vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: IL

Complaint narrative:
XXXX XXXX filed an FTC Identity Theft Report on XXXX after discovering that XXXX credit accounts XXXX XXXX # XXXX, XXXX XXXX # XXXX and SummitAR # XXXX were fraudulently opened in her name. The first XXXX accounts carried balances ( {$2800.00} and {$710.00} ) and appeared as collections on her XXXX IdentityIQ credit report, even though she never authorized them. She provided the identity theft report and dispute letters to Experian, TransUnion and Equifax, but the bureaus have not removed the fraudulent accounts. 

Under FCRA 605B, credit bureaus must block from a consumers file any information identified as resulting from identity theft within XXXX business days of receiving proof of identity, a copy of the identity theft report, identification of the disputed information and a consumer statement. XXXX asks the CFPB to ensure the credit bureaus comply with their obligations by blocking and deleting the fraudulent accounts and to hold the furnishers accountable for continuing to report inaccurate 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 non-monetary relief
Consumer complaint received 2025-09-01 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:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Address XXXX XXXX loop XXXX XXXX XXXX XXXX, texas, XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of the following closed accounts appearing on my credit report. These accounts are reporting incorrect, incomplete, or unverifiable information and should be removed in compliance with the Fair Credit Reporting Act ( FCRA ), Section 609 and 611. 

The accounts in question are : XXXX XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Closed on XX/XX/XXXX ) The Aligned Company ( Closed on XX/XX/XXXX ) I request that each of these accounts be thoroughly investigated and verified. If you are unable to verify the accuracy of the information with proper documentation from the original creditor, I ask that the accounts be deleted immediately from my credit file. 

Please provide me with : 1. The method of verification used.

2. The name, address, and telephone number of the person or organization that verified the information.

As required by the FCRA, I expect your reinvestigation and response within 30 days of receipt of this letter. 

Enclosed are copies of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 

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 2025-09-01 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: TX

Complaint narrative:
XXXX XXXX Address XXXX XXXX loop XXXX XXXX XXXX XXXX, texas, XXXX Date XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of the following closed accounts appearing on my credit report. These accounts are reporting incorrect, incomplete, or unverifiable information and should be removed in compliance with the Fair Credit Reporting Act ( FCRA ), Section 609 and 611. 

The accounts in question are : XXXX XXXX XXXX XXXX ( multiple entries ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Closed on XX/XX/XXXX ) The Aligned Company ( Closed on XX/XX/XXXX ) I request that each of these accounts be thoroughly investigated and verified. If you are unable to verify the accuracy of the information with proper documentation from the original creditor, I ask that the accounts be deleted immediately from my credit file. 

Please provide me with : 1. The method of verification used.

2. The name, address, and telephone number of the person or organization that verified the information.

As required by the FCRA, I expect your reinvestigation and response within 30 days of receipt of this letter. 

Enclosed are copies of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this CFPB complaint due to me never given written consent for this company have my information.This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account under National Credit Systems account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I am filing this complaint against Transunion for their continued reporting of a late payment account on my credit report which is XXXX  XXXX XXXX.... This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Transunion failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Transunion appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Transunion has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 

I am also aware that In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Transunion to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/XXXX, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with 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 explanation
Consumer complaint received 2025-09-01 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: MN

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MN

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX XXXX Subject : Complaint Regarding Unauthorized Credit Inquiries Under FCRA To Whom It May Concern : I am filing a formal complaint regarding unauthorized hard inquiries that have appeared on my TransUnion credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ), no one may access my credit report without my explicit written consent or a legally permissible purpose. 

The following hard inquiries were reported, but I did not authorize any of them : XXXX Financial XXXX inquiries on XX/XX/XXXX XXXXXXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX Multiple inquiries in XXXX ; account is closed and not connected to any open account Key Issues : These inquiries were made without my knowledge or authorization. 
Under FCRA, companies must provide documented proof of authorization for each inquiry. 
If they can not provide such proof, the inquiries must be removed immediately from my credit report. 



Action Requested : I request that the CFPB require TransUnion and the following companies : XXXX XXXX, XXXX XXXX, and XXXX  to : 1.Provide documented proof that I authorized each of these credit inquiries.

2.Remove all inquiries from my credit report if they can not provide valid authorization.

3.Confirm in writing that my credit report has been corrected if removal occurs.

Supporting Documentation : I have attached a copy of my credit report highlighting the unauthorized inquiries for your review.

Conclusion : Under FCRA Section 604 ( a ) ( 3 ), unauthorized credit inquiries must be deleted promptly if no proof of authorization exists. I request these entries be investigated and removed immediately to maintain the accuracy and fairness of my credit report. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and inform me of the next steps. 



Sincerely, XXXX XXXX XX/XX/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
Consumer complaint received 2025-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I got scammed into sending a down payment on for a car through a hacked instagram account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX and paid all required fees, including tax, title, and registration. The dealer issued a temporary tag ( receipt attached ) but failed to file my permanent title and registration as required by XXXX XXXXXXXX XXXX XXXX. As a result, the lenders lien may not be perfected ( 501.111 ), and I have not received proper title. Under the FTC Holder Rule ( 16 C.F.R. 433 ), I am disputing the enforceability of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Dates XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Late Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX, XX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-01 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: FL

Complaint narrative:
TransUnion I disputed the XXXX account ending XXXX with TransUnion multiple times over the past year ( online nearly every 2 months and by certified mail ). TransUnion continues to show the account open/active ( Date Opened XX/XX/XXXX, last updated XX/XX/XXXX ) and ignores closure and XXXX XXXXXXXX confirmed last payment XX/XX/XXXX and closure XX/XX/XXXX. XXXX is XXXX, so the tradeline should have aged off in XXXX. 

This XXXX account was also previously disputed as fraud and removed years ago, but it has reappeared with false dates showing new XXXX activity. This is inaccurate reporting and re-aging in violation of the FCRA. 
XXXX XXXX XXXX XX/XX/XXXX ( shows account was closed, not active in XXXX ). 

XXXX XXXX Confirmation {$5200.00} ( XX/XX/XXXX ) ( shows balance and date ). 

XXXX Address Change Confirmation XX/XX/XXXX ( shows record activity, not payments ). 

XXXX Email Change Confirmation XX/XX/XXXX ( again, admin updates, not payments ). 

Certified Mail Receipts/ Return Receipts ( green cards or USPS tracking ) if you have them. 

Final Dispute Letter to transunioin

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 2025-09-01 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: Opportunity Financial, LLC
State: PA

Complaint narrative:
In XX/XX/year>, I discovered that my identity was stolen. After a police investigation, it was determined that my former roommate had stolen my identity and opened numerous credit accounts in my name. He was arrested, charged and sentenced. I sent all relevant documents to the three credit bureaus and requested an immediate block of the information pending investigation. They refuse to block the information per the current law. The accounts to be blocked and investigated are XX/XX/XXXX OppFi/XX/XX/XXXXand XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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:
I am filing this complaint against XXXX, which is reporting a fraudulent and unverifiable account on my consumer credit file. 

Creditor/Agency Name : XXXX Amount Reported : {$0.00} Status Reported : Closed This account is not mine and has not been properly validated. I have disputed this account with the credit bureaus and provided supporting documentation, including my identity theft report, government-issued ID, and proof of address. Despite these actions, the account remains on my file. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking and deletion of fraudulent accounts once documentation is submitted.

FCRA 15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed accounts within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits furnishing false or misleading information regarding debt. 

Requested Relief : XXXX blocking and permanent deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

XXXX action against XXXX for violations of the FCRA and FDCPA. 

This fraudulent account is causing harm to my credit profile. I request CFPB intervention to ensure immediate correction and 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 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
An unauthorized transaction occurred on XX/XX/year> on my TD Bank Checking account in the amount of {$5000.00} to XXXX that I did not not have knowledge of did not authorize. I filed two disputes with TD Bank had two Provisional Credits reversed and denied. I have been customer since XXXX XXXX I am disgusted and disappointed at the treatment I have received. My home is foreclosure and I had to file bankruptcy because of this. I also suffer from anxiety and severe XXXX. This has taken a huge toll on my mentally and my family of XXXX financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX at XXXX, {$100.00} was sent via bitcoin currency to a scammer and after all the fees it came to {$91.00}. The scammer then said I should send more so his company accounts don't get frozen. He was promising me that I would get triple my money back after everything and never received nothing back. 

On XX/XX/XXXX at XXXX, {$400.00} was sent via bitcoin currency to the scammer and after all the fees it came to {$370.00}. The scammer took it a step further and said that I was stealing from his company and he was threatening legal action, and I got scared. 

On XX/XX/XXXX at XXXX, {$500.00} was sent via bitcoin currency to the scammer and after all the fees it came to {$460.00}. The scammer took it another step forward and said that I would be having the police knock on my door the following day and have me arrested for stealing money from his company. It had me in tears and when I contacted the bank, they gave me the run around and closed my account without even investigating.

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