vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 : INQUIRIES : 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 XXXXXX/XX/XXXX, Balance : {$0.00} 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, 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
Consumer complaint received 2025-09-04 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: MA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
I AM WRITING TO REQUEST THE DELETION OF THE FOLLOWING INFORMATION FROM MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I REQUEST THAT THE ITEMS BE REMOVED FROM MY CREDIT REPORT TO CORRECT AN ERROR. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION, AND I HAVE ALSO ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 contacted TransUnion by mail on XX/XX/year> about the incorrect information on my credit report. Today makes 30 days, and I still have not received a response or proper documtents requested.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
On XX/XX/year>, I was involved in a car accident that resulted in a total loss of my vehicle. On XX/XX/year>, my insurance company issued a total loss payment in the amount of {$33000.00} electronically to Mazda Financial Services ( MFS ). I reached out to MFS on XX/XX/year> to confirm payment was received. I was initially advised by the representative that they " received a check '' that morning and it would take 3-5 days to process ; however, when I contacted my insurance company, they confirmed the payment was made through electronic funds transfer, not by paper check ( see attached ). I reached out to MFS again on XX/XX/year> to advise them that I confirmed with my insurance company that the payment was not made by check, but electronically 7 days earlier. After doing some research, the representative confirmed that the previous representative was incorrect and that the payment had been made electronically. She advised me that the issue would be resolved by the end of the business day. Today is XX/XX/year> and the payment has still not been credited to my account. At this point, the account is accruing $ XXXX interest. I reached out to MFS again today and am being given the runaround again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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, XXXX, 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
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
On XXXX XXXX and XXXX XXXX I submitted an identity theft report generated through the Federal Trade Commission ( FTC ) IdentityTheft.gov website and provided supporting documentation to Equifax, disputing fraudulent accounts/inquiries on my credit file. Under FCRA 1681c-2, Equifax is legally required to block fraudulent information within four business days of receiving an identity theft report.

Equifax has : Failed to investigate my dispute.

Failed to block the fraudulent information.

Failed to notate my file as " in dispute. 
XXXX XXXX XXXX promptly complied with my dispute and removed the fraudulent items. Equifax has refused to act and instead ignored my legitimate identity theft documentation. 

Law Violated : FCRA, 15 U.S.C. 1681c-2 ( failure to block fraudulent information upon receipt of identity theft report ).

FCRA, 15 U.S.C. 1681i ( failure to reasonably investigate a consumer dispute ).

FCRA, 15 U.S.C. 1681s-2 ( failure to ensure accurate reporting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal complaint against Equifax concerning the continued reporting of an inaccurate, unauthorized, and unverifiable bankruptcy record on my consumer credit file. Despite my prior disputes, Equifax has failed to provide certified documentation from the XXXX Bankruptcy XXXX linking me to this record or to conduct a lawful reinvestigation, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
Legal Violations 1. FCRA 604 ( 15 U.S.C. 1681b ) Requires permissible purpose. Equifax has failed to demonstrate a lawful purpose for reporting this record.

2. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires consumer reporting agencies to ensure maximum possible accuracy. Reporting unverifiable data violates this duty.

3. FCRA 609 ( 15 U.S.C. 1681g ) Grants me the right to full disclosure of all information, sources, and reinvestigation procedures. Equifax has not provided this information.

4. FCRA 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation. Equifax has failed to provide certified bankruptcy court records or verify identifiers. 
5. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Requires disclosure of the business name, address, and phone number of any furnisher relied upon in reinvestigation. Equifax has not provided this.

6. FCRA 611 ( a ) ( 5 ) Requires deletion of unverifiable or inaccurate information within 30 days.

7. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of unverifiable or identity-theftrelated information when disputed. Vendors like XXXX have confirmed they do not verify bankruptcy records, proving this item is unverifiable. 
8. FCRA 616617 ( 15 U.S.C. 1681n1681o ) Establish liability for negligent and willful noncompliance. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requires consumer reporting agencies to conduct independent investigations and not simply parrot third-party data such as PACER, XXXX, XXXX e-OSCAR. 
Facts of the Case Equifax continues to report a bankruptcy record without producing certified court documentation lawfully bearing my name and signature.

Equifax has failed to explain how my identifiers ( e.g., Social Security Number ) were matched to this record.

No permissible purpose, authorization, or signed documentation has been provided. 
Equifax appears to have relied on automated vendors XXXX XXXX XXXX XXXX ) instead of conducting a good-faith manual reinvestigation as required by law. 
Harm This inaccurate and unverifiable bankruptcy record has : Damaged my creditworthiness, Resulted in denials of credit, Increased interest rates on financial products, Caused reputational damage, Inflicted significant emotional distress. 
Each day this record remains, my rights under the FCRA are being violated. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 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  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, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLC (or Experian / TransUnion LLC)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXVIA CERTIFIED MAIL RETURN RECEIPT REQUESTED \nRE: FORMAL DISPUTE & DEMAND FOR DELETION OF FRAUDULENT COLLECTION ACCOUNT\nFull Name: XXXX XXXXReported Collection Account: XXXX XXXX XXXX XXXX XXXX XXXXDisputed Account Number: XXXXTo the Consumer Dispute Department:\nI am writing to formally dispute a fraudulent collection account on my credit report that is being reported by XXXX XXXX XXXX for a purported debt owed to XXXX XXXXThis account is not mine and the debt is fraudulent and invalid. I have irrefutable proof that this collection is a serious error, and your continued reporting of it violates the Fair Credit Reporting Act (FCRA).\nThe basis for my dispute is as follows:\nThe Original Debt was Fraudulent and Reversed by My Bank: The alleged debt stems from an unauthorized ACH debit. I filed a fraud claim with XXXX XXXX XXXX (Claim #: XXXX). After a full investigation, XXXX XXXX XXXX permanently credited my account on XXXX XXXX XXXX confirming the transaction was fraudulent and unauthorized. The attached documentation from XXXX XXXX XXXX  proves the debt is invalid.\nAll Equipment was Returned and Received: The account relates to equipment that was returned to and received by XXXX XXXX XXXX XXXX XXXX XXXX. This is confirmed by the attached XXXX XXXX receipt with tracking reference number XXXXYour reporting of this collection account is inaccurate, incomplete, and has caused significant harm to my creditworthiness.\nThis is a formal demand for immediate deletion of this account in its entirety from my credit file. Under Sections 611(a)(1)(A) and 623(b)(1) of the FCRA, you are required to conduct a reasonable reinvestigation of this disputed information and correct any inaccuracies within 30 days.\nFurthermore, you are obligated to forward all relevant proof I have provided (this letter and its enclosures) to XXXX XXXX XXXX to facilitate their investigation.\nPlease be advised: Failure to properly investigate and delete this proven fraudulent account will result in the filing of formal complaints against your company with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) for willful non-compliance with the FCRA. I will also pursue all available legal remedies to protect my rights.\nI expect written confirmation that this fraudulent collection account has been permanently deleted from my credit history.\nSincerely,XXXX XXXXEnclosures:\nCopy of XXXX XXXX XXXX Claim Resolution Letter (Permanent Credit)\nCopy of XXXX XXXX XXXX  Receipt (Proof of Return)'

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: IN

Complaint narrative:
I received information from Experian in XX/XX/year> that Credit Corp Solutions had put a collection on my report, so I drafted a validation letter to XXXX and asked for this debt to be validated and they ignored it. About 5 weeks later I checked my reports again and the debt was still showing up and it did not say in dispute or any thing, so I drafted a second letter on XX/XX/year> stating they ignored my first and to please verify the debt, and again, they ignored this letter. In XX/XX/year> I sent a third letter and again I received nothing. I sent a fourth letter on XX/XX/XXXX and they ignored them all. I se4nt several emails and they refuse to validate the debt, nor will they remove the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

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 2025-09-04 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:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I am disputing the way ONEMAIN is reporting a charge-off on my credit report because they failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were required to send me both a Negative Information Notice under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( FCRA 623 ( a ) ( 7 ) ) and an Adverse Action Notice under 15 U.S.C. 1681m ( FCRA 615 ), yet I never received either one. The account, ONEMAIN, with account XXXX XXXX XXXX XXXX XXXX XXXX reported positively for a period of time, but after delinquency it was charged off and derogatory data began appearing on my consumer report without the legally mandated warnings. The absence of a Negative Information Notice denied me the chance to address the debt before damage occurred, and the absence of an Adverse Action Notice denied me my right to review, obtain, and dispute my credit report. These failures violate the FCRA and render the charge-off reporting unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: FL

Complaint narrative:
The XXXX XXXX  advertised using this specific creditor so it was clear they had a back-and-forth relationship. 

Initially I was paying for XXXX XXXX  either from my bank account or credit card while I was still working full time. The XXXX XXXX  advertised that I could take a loan with a company called XXXX which by the time I took the loan became climb credit. ThXXXX XXXX XXXX told me that the loan would be enough to finish which it wasnt. I contacted the loan company and filled out the application and then once approved, the money was sent directly to the XXXX XXXX  and it was up to them to manage the inflow/outflow of money. No one ever reached out to me from what I can remember from climb credit at all during the process. So I wasnt able to discuss the details of the loan with them. 

Unrelated to this part of the process but the XXXX XXXX  was not managing my XXXX XXXX  which caused problems along the way such as not being prepared when sent for testing and not keeping sufficient records of my progress so it is clear that the school wasnt vetted by the loan company. I had at least 5 different XXXX  that I can remember so I felt like I was being bounced around often. 

XXXX XXXX Climb XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation