vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I AM ESCALATING THIS ISSUES AS IT HAS BEEN WELL OVER THE GIVEN TIME FRAME GIVEN TO RESOLVE THIS MATTER UNDER FCRA 605B TRANSUNION IS WRONGLY AND WILLFULLY VIOLATING MY RIGHTS AND REFUSING TO COMPLY WITH FCRA 605B - IDENTITY THEFT PROCEDURE ; TransUnion willfully failed to comply with FCRA 605B after I submitted a valid FTC Identity Theft Report, a police report, and proof of identity. Despite being in possession of these documents, they refused to block and delete multiple fraudulent accounts that I identified and disputed, including a XXXXXXXX XXXX XXXX and numerous phone numbers that do not belong to me. Under 15 U.S.C. 1681c2, TransUnion was legally obligated to block this information from my credit file within 4 business days. Instead, they verified the accounts as accurate, causing ongoing damage to my credit and reputation. This is a blatant violation of my rights under the FCRA. TransUnions continued reporting of accounts I did not open after receiving valid identity theft documentation is not just negligent, it is willful noncompliance under 15 U.S.C. 1681n and 1681o and warrants immediate enforcement. 



After receiving multiple reports of identity theft with documents proving the identity theft transunion is willfully violating my consumer rights and wrongly damaging my credit reputation by continuing to wrongfully report fraudulent account reported as identity theft which they are legally required to delete and block within 4 business days of receiving this documentation the following accounts have been opened due to identity theft and are fraudulent yet transunion is willfully violating 605B and continuing to report this identity theft to my credit report - XXXX XXXX - Balance {$650XXXX XXXX XXXX XXXX Balance {$1700.00} XXXXXXXX XXXX- Balance {$2500.00} -XXXX  - Balance {$5600.00}

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 2025-07-03 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:
Overview You have 100 % left to pay on this collection. Balance {$64000.00} Highest Balance {$63000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Co-maker Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX Closed Reported to my personal TransUnion credit report when this has to do with my old company XXXX XXXX XXXX XXXX XXXX that was closed in XX/XX/XXXX. In the state of NJ and the XXXX the company is out of business and has been documented as so on XX/XX/XXXX. {$64000.00} was NEVER OWED on anything and XXXX XXXX XXXX was never our creditor. XXXX XXXX XXXX XXXX was an XXXX and this company is going after my XXXX XXXX XXXX and my Mothers ( XXXX XXXX ) Personal credit reports and say it is in collections. XXXX XXXX XXXX was NEVER our original creditor and we do not owe this company anything! XXXX XXXX was the only company we took a loan from and it was {$32000.00} and the tractor is sitting at XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX or XXXX ) with a {$35000.00} storage bill since XXXX XXXX did not want it back and they left it there My father ( XXXX XXXX XXXX who passed away ) was a partner also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Overview You have 100 % left to pay on this collection. Balance {$64000.00} Highest Balance {$63000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Co-maker Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX Closed Reported to my personal XXXX  credit report when this has to do with my old company XXXX XXXX XXXX XXXX XXXX that was closed in XX/XX/XXXX. In the state of NJ and the XXXX the company is out of business and has been documented as so on XX/XX/XXXX. {$64000.00} was NEVER OWED on anything and XXXX XXXX XXXX was never our creditor. XXXX XXXX XXXX XXXX was an XXXX and this company is going after my XXXX XXXX XXXX and my Mothers ( XXXX XXXX ) Personal credit reports and say it is in collections. XXXX XXXX XXXX was NEVER our original creditor and we do not owe this company anything! XXXX XXXX was the only company we took a loan from and it was {$32000.00} and the tractor is sitting at XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX or XXXX ) with a {$35000.00} storage bill since XXXX XXXX did not want it back and they left it there My father ( XXXX XXXX XXXX who passed away ) was a partner also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COLUMBIA BANKING SYSTEM, INC.
State: NJ

Complaint narrative:
Overview You have 100 % left to pay on this collection. Balance {$64000.00} Highest Balance {$63000.00} Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type Derogatory Responsibility Co-maker Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX Closed Reported to my personal XXXX  credit report when this has to do with my old company XXXX XXXX XXXX XXXX XXXX that was closed in XX/XX/XXXX. In the state of NJ and the XXXX the company is out of business and has been documented as so on XX/XX/XXXX. {$64000.00} was NEVER OWED on anything and XXXX XXXX XXXX was never our creditor. XXXX XXXX XXXX XXXX was an XXXX and this company is going after my XXXX XXXX XXXX and my Mothers ( XXXX XXXX ) Personal credit reports and say it is in collections. XXXX XXXX XXXX was NEVER our original creditor and we do not owe this company anything! XXXX XXXX was the only company we took a loan from and it was {$32000.00} and the tractor is sitting at XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX or XXXX ) with a {$35000.00} storage bill since Financial Pacific did not want it back and they left it there My father ( XXXX XXXX XXXX who passed away ) was a partner also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Top Asset Solutions, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Account Reporting Request for Investigation Dear Equifax Representative, I am writing to formally dispute inaccurate information that appears on my credit report. Below are the details of the account in question : Creditor/Account Holder : Top Asset Solutions LLC Account Type : Lease Account Status : Closed Account Number : XXXX Date Closed : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is reporting as being 120+ days late, with a prolonged late payment history. I believe this information is inaccurate, incomplete, or can not be properly verified. Specifically, I am concerned with the following : 1. The account is reporting a 120+ days late status after the account was closed.

2. The payment history reflects continuous late payments, but there are inconsistencies in the reporting that require verification.

3. The record of XX/XX/XXXX under Times 30/60/90+ days late appears to be erroneous, as it does not correspond with the accounts timeline. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this account and provide proper verification. If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report. 

Please send me written confirmation of the results of your investigation. I have attached a copy of my government-issued identification and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: HI

Complaint narrative:
I took a loan at college in XXXX. In XX/XX/XXXX I paid the loan in full. The account on my credit appeared to be closed and with a different account number. Now XXXX  years later, the company is charging me and do not have my information of my transaction. However, I have evidence and the information that I pay it back. On XXXX XXXX XXXX appears to have the transaction date but not the quantity. I send the information to Mohela regarding my concerns and they only respond back with information of repayment options.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my 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 non-monetary relief
Consumer complaint received 2025-07-03 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-03 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: NY

Complaint narrative:
In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) mandates that furnishers remove any information that can not be verified. Under XXXX XXXX. XXXX, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under XXXX, willful violations XXXX subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX  {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. 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 2025-07-03 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at mXXXX XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual abou t whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX recommended me to replace the fuel pump to fix the issue with the low fuel indicator. They charged me {$710.00} to replace the fuel pump. That did not fix the issue I came in for instead it gave me another problem with the fuel gauge was not reading the correct amount fuel in the tank. I contacted XXXX on XX/XX/year> after several fill-ups informing the shop there was an issue it the repair. She made an appointment for me to come in on XX/XX/year>. I arrived at XXXX am. I was at the shop till about XXXX pm. After being there about XXXX hours. They got XXXX the manager involved and he was telling me it is in the normal range looking at data in his tablet. I told him that does not make since. The has XXXX to XXXX gallons on Empty. I told him we can go to fill-up the tank and you will see for yourself. He got in the with me and he directed me to the XXXX near the shop. When we got to the XXXX gas station. the car had about a XXXX tank of gas. Mind you the car holds XXXX gallons. It took XXXX to fill it up. That mean it is several gallons not accounted for. XXXX was still looking at the tablet trying to convince me it is in the normal range. When we got back to the shop and he got out my car. I told him you stole my money and now I have to find someone to fix what you messed up. He had a smirk on his face. I was so, distraught. When I told other auto technicians about this they could not believe he actually tried to convince you that nothing is wrong. I was told by other technicians it is definitely a problem. Either the fuel pump is defective or it was installed improperly. Brake Check repaired the botched job that XXXXXXXX XXXX XXXXXXXX XXXX did when they installed the fuel pump improperly on XX/XX/year>. XXXXXXXX XXXX XXXXXXXX XXXX was given ample opportunity to take care of this issue and refused. I had uploaded pictures and dispute letter to the online system and faxed it also. I have called Synchrony XXXX XXXX many times about the issue. One of the Managers at Synchrony in Customer Care named XXXX put notes in the system on my behalf on XX/XX/year> because the merchant needs to be held accountable for their negligence, and still no avail. I spoke with another manager today on XX/XX/year> named XXXX and she put in for the corporate office to contact me in 5 to 10 days. She also put notes in the account on my behalf. The consumer can only do so much.

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 2025-07-03 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: IL

Complaint narrative:
I AM ESCALATING THIS ISSUES AS IT HAS BEEN WELL OVER THE GIVEN TIME FRAME GIVEN TO RESOLVE THIS MATTER UNDER FCRA 605B TRANSUNION IS WRONGLY AND WILLFULLY VIOLATING MY RIGHTS AND REFUSING TO COMPLY WITH FCRA 605B - IDENTITY THEFT PROCEDURE ; TransUnion willfully failed to comply with FCRA 605B after I submitted a valid FTC Identity Theft Report, a police report, and proof of identity. Despite being in possession of these documents, they refused to block and delete multiple fraudulent accounts that I identified and disputed, including a XXXXXXXX XXXX XXXX and numerous phone numbers that do not belong to me. Under 15 U.S.C. 1681c2, TransUnion was legally obligated to block this information from my credit file within 4 business days. Instead, they verified the accounts as accurate, causing ongoing damage to my credit and reputation. This is a blatant violation of my rights under the FCRA. TransUnions continued reporting of accounts I did not open after receiving valid identity theft documentation is not just negligent, it is willful noncompliance under 15 U.S.C. 1681n and 1681o and warrants immediate enforcement. 



After receiving multiple reports of identity theft with documents proving the identity theft transunion is willfully violating my consumer rights and wrongly damaging my credit reputation by continuing to wrongfully report fraudulent account reported as identity theft which they are legally required to delete and block within 4 business days of receiving this documentation the following accounts have been opened due to identity theft and are fraudulent yet transunion is willfully violating 605B and continuing to report this identity theft to my credit report - XXXX XXXX - Balance {$650XXXX XXXX XXXX XXXX Balance {$1700.00} XXXXXXXX XXXX- Balance {$2500.00} -XXXX  - Balance {$5600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I AM ESCALATING THIS ISSUES AS IT HAS BEEN WELL OVER THE GIVEN TIME FRAME GIVEN TO RESOLVE THIS MATTER UNDER FCRA 605B TRANSUNION IS WRONGLY AND WILLFULLY VIOLATING MY RIGHTS AND REFUSING TO COMPLY WITH FCRA 605B - IDENTITY THEFT PROCEDURE ; TransUnion willfully failed to comply with FCRA 605B after I submitted a valid FTC Identity Theft Report, a police report, and proof of identity. Despite being in possession of these documents, they refused to block and delete multiple fraudulent accounts that I identified and disputed, including a XXXXXXXX XXXX XXXX and numerous phone numbers that do not belong to me. Under 15 U.S.C. 1681c2, TransUnion was legally obligated to block this information from my credit file within 4 business days. Instead, they verified the accounts as accurate, causing ongoing damage to my credit and reputation. This is a blatant violation of my rights under the FCRA. TransUnions continued reporting of accounts I did not open after receiving valid identity theft documentation is not just negligent, it is willful noncompliance under 15 U.S.C. 1681n and 1681o and warrants immediate enforcement. 



After receiving multiple reports of identity theft with documents proving the identity theft transunion is willfully violating my consumer rights and wrongly damaging my credit reputation by continuing to wrongfully report fraudulent account reported as identity theft which they are legally required to delete and block within 4 business days of receiving this documentation the following accounts have been opened due to identity theft and are fraudulent yet transunion is willfully violating 605B and continuing to report this identity theft to my credit report - XXXX XXXX - Balance {$650XXXX XXXX XXXX XXXX Balance {$1700.00} XXXXXXXX XXXX- Balance {$2500.00} -XXXX  - Balance {$5600.00}

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