vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: HI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, 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 2025-08-15 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: HI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL

Complaint narrative:
The original loan was with XXXX. They sold the loan and the balance and car note was paying the interest and nothing to the principle. I tried to speak with the finance company with no results. I volunteered the repossession of the car and stated I would file a complaint. I, on several occasions request the company to retrieve the car. The company would call and try to have me pay the balance. I refused. This car had many issues and I stated I would report the car to lemon law. They refused to retrieve the vehicle and after a year, they finally repossessed the car. The car note was both written off and charged off. The charge off balance was XXXX. The written off balance was XXXX. This actually reflects on my credit report. I don't owe this debt. 
The credit report shows the following : Status : Account charged off. {$40000.00} Written off XXXX past due as of XX/XX/XXXX This statement is inaccurate. A charge off is not the same as a written off a

ccount. Charge-off : This is the point where a creditor recognizes a debt as unlikely to be collected and removes it from their active accounts. The debt is still owed, and the creditor ( or a collection agency ) can still pursue collection. Write-off : In accounting, a write-off is when a company reduces the value of an asset ( like a loan ) to zero, recognizing it as a loss. While a charge-off is a type of write-off, a write-off can also mean the creditor has forgiven the debt, which is not the case with a charge-off. Under the fair reporting act ( FCRA ) 605 ( a ), negative accounts must not be reported beyond the seven years from the original delinquency. The original delinquency has been reported on my credit account as of XXXX, XXXX as charged off. After reviewing my account, I found the XXXX report is inaccurate. 
Section 628 of the Fair Credit Reporting Act ( FCRA ) addresses the proper disposal of consumer information.

Section 623 of the Fair Credit Reporting Act requires the furnish- er to prove that a debt belongs to the company. Please investigate and respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-15 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute and request the removal of the following inaccurate addresses from my credit file, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

These addresses are not associated with me in any way. I have never lived at these locations, nor have I ever used them for any financial or credit-related purpose. Their presence on my credit report is incorrect and may be the result of identity theft or reporting errors.

Please remove these addresses from my credit file immediately. 

Inaccurate Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX, NC XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Single family

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute and request the removal of the following inaccurate addresses from my credit file, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

These addresses are not associated with me in any way. I have never lived at these locations, nor have I ever used them for any financial or credit-related purpose. Their presence on my credit report is incorrect and may be the result of identity theft or reporting errors.

Please remove these addresses from my credit file immediately. 

Inaccurate Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Single family XXXX XXXX XXXX  XXXX XXXX, NC XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Resident type Single family

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 2025-08-15 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: Collection Management Holdings, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year>XXXX  Re : Dispute of Medical Collection Immediate Deletion Required Collection Agency : Credit Management Company Original Creditor : XXXX XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$1500.00} NOTICE OF FORMAL DISPUTE AND DEMAND FOR IMMEDIATE DELETION This letter is a formal dispute of the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ) . This account is a medical collection that has been reported in violation of federal privacy laws and must be removed from my credit report immediately. Please provide purchase agreement between said debt collector 1. HIPAA Violation Unauthorized Disclosure of Protected Health Information ( PHI ) This is a medical debt, and the reporting of the creditors name and the nature of the debt constitutes protected health information under 45 CFR 160 and 164. 

I have never provided written authorization for my medical information to be disclosed to XXXX  or any third party. 

The continued reporting of this account is a direct violation of HIPAA and privacy protections afforded under federal law. This has cause emotional and financial strain and hardships.

2. FCRA Violations Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ) and 1681i, Equifax is required to ensure that all information it reports is accurate, complete, and verifiable.

You must obtain full verification from the furnisher, including a HIPAA-compliant authorization signed by me.

If no such documentation exists, the account must be deleted immediately from my credit file. 



3. 15-Day Compliance Deadline You are hereby given 15 calendar days from receipt of this letter to : Permanently delete this account from my XXXX  credit report, OR Provide full HIPAA-compliant validation including a signed release from me.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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  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 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 2025-08-15 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX XXXX XXXX Account not mine XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-15 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a collection account being reported by LVNV FUNDING LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is currently appearing on my credit report and I believe it is being reported and/or collected in violation of the Fair Debt Collection Practices Act ( FDCPA ). 



I am requesting your investigation and assistance in having this account removed due to the following violations : 15 U.S. Code 1692c Restrictions on communication The debt collector has communicated with me in ways prohibited by law, including calling at odd hours, contacted me at work, and spoke with third parties.

15 U.S. Code 1692g Validation of debts Upon receiving their first communication, I submitted a written request for debt validation. The collector failed to provide the required written validation of the debt within the statutory period and continued collection efforts without providing the requested proof.

Given these violations, I am requesting that the CFPB investigate this matter and take appropriate action to ensure that this collection account is removed from my credit report. The collectors conduct violates federal law and has caused me undue stress, harm to my credit, and loss of opportunities.

Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to enforce the law and protect my rights under the FDCPA. 



Sincerely, XXXX ' XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly and significantly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored these inquiries still remain.

This continued inaction is unacceptable. The presence of these potentially fraudulent entries strongly indicates possible identity theft and poses a serious threat to my financial security. This unresolved issue is causing ongoing emotional distress and financial damage.

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