vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
This is my numerous requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I discovered fraudulent accounts opened in my name after receiving unexpected notifications and credit alerts. These unauthorized accounts, which I did not open or authorize, have severely damaged my credit score and ability to obtain credit.

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 2025-05-06 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: Exeter Finance, LLC.
State: WA

Complaint narrative:
An unscrupulous XXXX XXXX employee used my personal information without my authorization to have multiple companies pull my credit report. XXXX XXXX, XXXX, a holding company for XXXX XXXX, used data mining methods to sell my personal information unauthorized third parties, XXXX XXXXXXXX and XXXX XXXX XXXX for an automobile loan. 

XXXX XXXX, XXXX sent a notice dated XXXX XX/XX/XXXX with reference number XXXX where the company denies an automobile loan that it claims that I applied through XXXX XXXX, XXXX. XXXX XXXX  company did not provide disclosures that specifically stated XXXX XXXX XXXX XXXX XXXX XXXXXXXX , and XXXX XXXX XXXX would use my personal information to pull my credit report for an automobile loan. 

I learned the following background information about XXXX XXXX and XXXX XXXX XXXX : XXXX XXXXXXXX is a company currently facing class action lawsuit that the company colludes to deceive consumers by raising vehicle prices to cover hidden finance charges. XXXX XXXX XXXX had a formal complaint, filed on XX/XX/XXXX, alleged that XXXX XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX violated the Servicemembers Civil Relief Act ( SCRA ), by unlawfully rejecting ten ( 10 ) requests from qualified servicemembers to terminate their motor vehicle leases early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

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. 
and accuracies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discovery card it's chargin me doble inters Witch ingrese my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Furthermore, any information found to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, the item must be removed from my credit report.

I have submitted a sworn affidavit attesting that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I demand that you take immediate action to delete or block the affected items to avoid further escalation.

Failure to verify the item in compliance with the FCRA, while continuing to report it, will leave me no option but to pursue legal action. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the relevant statute is enclosed for your reference.

Please be advised that I reserve the right to initiate legal proceedings in any appropriate state or federal court, including small claims court in my jurisdiction. I expect this matter to be resolved promptly and in accordance 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 non-monetary relief
Consumer complaint received 2025-05-06 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 formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This debt isnt in my name and I do not have knowledge of this debt. Ive answered multiple phone calls telling the collector this and to remove the debt. Ive disputed the debt multiple times with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for reporting inaccurate child support information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ), the Code of Federal Regulations ( CFR ), and Texas state law.

The reported entry shows late or delinquent child support payments that never occurred. The late payments began to show on my consumer file in XXXX of XXXX and I first found out and wrote to dispute this information with all 3 bureaus in XXXX. I have provided documentation showing my payments were made on time. Additionally, I contacted the Texas Office of the Attorney General ( OAG ) the alleged furnisher and they either denied reporting the data or could not validate it.

Despite this, the credit reporting agencies verified the inaccurate information, failed to conduct a proper reinvestigation, and continued to report false information. I was never given proper notice before the negative information was reported, as required under FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) and 12 C.F.R. 1022.43.

I also cited the DOJ/OCSE XXXX Dear Colleague Letter, which cautions child support agencies about procedural fairness in enforcement and reporting actions.

The errors have harmed my creditworthiness, cost me access to credit, and caused significant emotional distress. Ive submitted disputes and followed all procedures, yet the inaccurate data persists.

I am giving these companies one final opportunity to correct the record before I initiate arbitration. Ive attached a detailed Final Notice letter outlining all applicable violations, legal citations, and remedies demanded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$710.00}

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 2025-05-06 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:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$390.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00}

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 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Dispute XXXX Funding Account Still Reporting Inaccurately Dear TransUnion, I am writing to formally dispute a derogatory account reported by XXXX XXXX XXXX that currently appears on my TransUnion credit report. This account has already been removed by both Experian and Equifax following disputes based on inaccurate or unverifiable reporting. 

Despite this, TransUnion continues to report this account, even though the other national credit reporting agencies have determined it should be deleted. This inconsistency raises serious concerns about the accuracy and completeness of the information being reported by your bureau. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), TransUnion is required to maintain only accurate, complete, and verifiable information. Since this item has already been removed by the other credit bureaus, and no proper documentation has been provided by the furnisher to justify its continued reporting, I am requesting its immediate deletion from my TransUnion file. 


Please conduct a reinvestigation and provide me with the method and results of your verification, as well as the name and contact information of the data furnisher. If the account can not be verified with complete documentation within 30 days, it must be deleted from my credit file as required by law. 

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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, the item must be removed from my credit report in accordance with federal law.

I have submitted a sworn affidavit confirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I formally request that you take immediate action to delete or block the affected items in order to prevent further escalation.

Should you fail to verify the item as required under the FCRA and continue to report it, I will be forced to pursue legal remedies, including actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the applicable statute is enclosed for your reference.

Please be advised that I reserve the right to initiate legal proceedings in any competent state or federal court, including small claims court within my jurisdiction. I trust that you will act promptly and in good faith to resolve this matter 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 2025-05-06 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: NJ

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-06 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request the CFPB take action to ensure Eqifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want these accounts removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX Account number : XXXX To Whom It May Concern : Notice for validation of debts.

Pursuant 12 CFR 1006.34c This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 ( c ). 
XXXX XXXX XXXX, you have not met all validation requirements under 15USC 1692 Fair Debt Collection Practice Act. Furthermore, I request a description of the procedure used in the investigation of the alleged debt in accordance to 15USC 1681i ( 6 ) ( b ) ( 3 ) In addition, I dispute the alleged account by its definition according to 15 USC 1693a.

The term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; By definition the alleged account doesnt qualify as a collectable account under an open end credit plan. 


Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Michigan XXXX Account number : XXXX To Whom It May Concern : Notice for validation of debts.

Pursuant 12 CFR 1006.34c This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 ( c ). 
XXXX XXXX XXXX, you have not met all validation requirements under 15USC 1692 Fair Debt Collection Practice Act. Furthermore, I request a description of the procedure used in the investigation of the alleged debt in accordance to 15USC 1681i ( 6 ) ( b ) ( 3 ) In addition, I dispute the alleged account by its definition according to 15 USC 1693a.

The term account means a demand deposit, savings deposit, or other asset account ( other than an occasional or incidental credit balance in an open end credit plan as defined in section 1602 ( i ) [ 1 ] of this title ), as described in regulations of the Bureau, established primarily for personal, family, or household purposes, but such term does not include an account held by a financial institution pursuant to a bona fide trust agreement ; By definition the alleged account doesnt qualify as a collectable account under an open end credit plan. 


Regards, 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I believe there are inaccuracies in reporting this account under the Fair Credit Reporting Act ( FCRA ) and relevant provisions within Michigans consumer protection laws, including the Michigan Credit Repair Services Act ( PA 580 of 2006 ). Under 15 U.S.C. 1681i ( a ), I can dispute incomplete or inaccurate information in my credit report. 

Date opened XX/XX/XXXX XXXX {$990.00}

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 2025-05-06 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XXXX 2025, the CFPB fined Equifax {$15.00} million due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XXXX XXXX, 2025 * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation