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: VA

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 : 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 {$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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX  TX XXXX Subject : Formal Dispute Fraudulent Accounts Resulting from Data Breaches To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of several fraudulent accounts that have appeared on my Experian credit report. My personal information was compromised in both the XXXX XXXX XXXX XXXX and the Equifax Data Breach, which has directly led to identity theft and the creation of fraudulent tradelines in my name. 
The following accounts are not mine and must be permanently deleted : XXXX, XXXX Acct. No. : XXXX XXXX : {$0.00} XXXX, XXXX Acct. No. : XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Acct. No. : XXXX XXXX : {$2200.00} XXXX XXXX XXXX  Acct XXXX No. : XXXX XXXX : {$0.00} I have never applied for, opened, or authorized these accounts. Their appearance on my file is a direct result of my identity being stolen and is damaging to my credit standing. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to dispute any inaccurate or fraudulent information reporting on my credit file and demand its immediate and permanent removal. Specifically : FCRA 1681i requires that Experian conduct a reasonable reinvestigation of disputed accounts.

FCRA 1681s-2 ( a ) prohibits furnishers of information from reporting information they know, or should know, is inaccurate.

FACTA ( 15 U.S.C. 1681c-2 ) gives identity theft victims the right to block fraudulent information from their credit reports once proper documentation is provided.

As proof of my identity theft, I am including a copy of my FTC Identity Theft Affidavit along with government-issued ID and proof of residency. This documentation obligates Experian to permanently block these fraudulent accounts from reappearing on my credit file. 
I am demanding the permanent deletion of the above-listed accounts. If these accounts are reinserted in violation of FCRA 1681i ( a ) ( 5 ) ( B ), Experian must provide me with written certification of accuracy within five business days, or the reinsertion will be unlawful.

Please investigate and provide me with written confirmation once these accounts have been permanently deleted from my credit file. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransworld Systems IncXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: CEASE AND DESIST NOTICE & FORMAL DISPUTE OF INVALID DEBT\nYour Company/Client: XXXX XXXXnYour Reference Account #: XXXXTo Whom It May Concern:\nThis letter is a formal demand that you CEASE AND DESIST all communication and collection activities immediately regarding the above-referenced account.\nI dispute this debt in its entirety. The alleged debt is invalid for the following reasons:\nThe original charge of $XXXX  from XXXX  was an unauthorized and fraudulent ACH debit from my bank account. XXXX XXXX XXXX investigated this claim (Claim #: XXXX) and permanently credited my account on XXXX XXXX XXXX confirming the transaction was fraudulent. This is your proof that the original debt is invalid.\nFurthermore, all equipment related to this account was returned to and received by XXXX XXXX on XXXX XXXX XXXX. This is confirmed by XXXX  tracking reference number XXXX.\nYour continued collection efforts on a debt that has been proven fraudulent and for which all equipment was returned is a violation of the Fair Debt Collection Practices Act (FDCPA).\nThis is a formal notice under FDCPA  805(c) to cease all communication. You are hereby instructed to stop all contact with me regarding this matter, except to confirm in writing that you are closing this file and that no further action will be taken.\nAdditionally, you are required under the Fair Credit Reporting Act (FCRA) to inform all credit reporting agencies (XXXX, XXXX, and XXXX) to delete this inaccurate and invalid collection account from my credit history immediately.\nIf you do not comply with this demand and continue to report this invalid debt, I will not hesitate to file formal complaints against Transworld Systems Inc. with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and the Massachusetts Attorney Generals office, and will pursue all available legal remedies.\nI expect written confirmation that this matter is closed within 30 days.\nSincerelXXXX XXXXCopy of XXXX XXXX XXXX Claim Resolution Letter\nCopy of XXXX  Store Drop-Off Receipt'

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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting a 30 day late payment for XXXX of XXXX, but the payment was never late. I can provide documentation from their own website that shows when the XXXX payment was made and it was not late. They refuse to provide ant proof of anything ever being late and continue to brush me off and not get back to me.

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: UT

Complaint narrative:
XXXX XXXX is reporting a 30 day late payment for XXXX of XXXX, but the payment was never late. I can provide documentation from their own website that shows when the XXXX payment was made and it was not late. They refuse to provide ant proof of anything ever being late and continue to brush me off and not get back to me.

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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IN

Complaint narrative:
In XX/XX/year>, I provided more than 53 days written notice ( acknowledged by management on XX/XX/year>XXXX  ) before the expiration of my lease on XX/XX/year>XXXX  at XXXX XXXX XXXX  ( XXXX, IN ). 

Despite fulfilling the full lease term, the landlord assessed a {$2300.00} insufficient notice penalty. My {$1100.00} security deposit was seized and applied against this penalty, leaving a reported balance of about {$1300.00}. 

This balance is inaccurate and unenforceable because : The early termination/insufficient notice clause does not apply when the lease is carried through to expiration. 
Under Indiana Code 32-31-3-12, the landlord was required to provide a timely itemized list of deposit deductions. Instead, I received only a lump final statement. Failure to itemize forfeits the right to retain any of the deposit or pursue further sums. 

IQ Data XXXX is now reporting this as a collection account, damaging my credit. The reported balance is entirely based on the misapplied penalty and mishandled deposit. 

I request deletion of this tradeline and cessation of collection activity, as this debt is not valid under law or the lease agreement. 

Attachment : Packet PDF ( includes lease excerpts, landlord acknowledgment email, final statement, and credit report screenshot ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
{$1900.00} that was subject of a XXXX scam was taken out of our account AFTER specific instructions were given to our Chase account manager over the phone to not allow any funds to be taken from our account. We were still on the phone with the scammers and on the other line with the Chase rep. 3 different XXXX transactions were part of the scam and Chase cancelled 2 of them. Somehow they missed the subject transaction. They did not do any investigation and simply charged our account. Chase 's only resolution to this issue after extensive conversation with claims person and supervisor was for us to file a civil lawsuit in local court.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX XXXX Account Number XXXX [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: UT

Complaint narrative:
I initially applied for a loan with this company on XX/XX/XXXX. The terms of the loan initially offered/prequalified for changed when finalizing the agreement over the phone that same day ( higher interest rate with lower amount of loan ). When discussing this with the agent, I requested a written copy of the terms of the loan and he refused, stating he can not provide anything in writing but he can repeat the information and I can write it down myself. When I said he's legally obligated to provide that in writing, he repeated himself. 

I also requested the TILA statement to be mailed or emailed to me via the website contact form ( https : //www.onemainfinancial.comXXXX  ) and also twice via email on XX/XX/XXXX & XX/XX/XXXX ( " XXXX '' ). I still have not received a response, nor the TILA or any other written documentation of loan denial, terms, etc.

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: IL

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  Balance : {$1800.00} 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, 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

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: IL

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS WITHOUT FURTHER DELAY.

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: 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:
Subject : Complaint Regarding Duplicate Credit Reporting XXXX XXXX XXXX Dear CFPB, I am submitting this complaint regarding duplicate and potentially misleading credit reporting involving XXXX XXXX XXXX and a debt buyer who purchased the account. 

My three credit reports currently reflect two entries for the same auto loan : 1. XXXX XXXX XXXX shows a {$0.00} balance and indicates the account was sold. 
2. XXXX XXXX XXXX ( or applicable debt buyer ) reports an active balance for the same account. 

This duplicate reporting is negatively impacting my credit score and does not accurately reflect the status of the original account. Since XXXX XXXX has sold the account and no longer holds the debt, I believe their entry should be removed or updated to reflect its inactive status more clearly. 

I have attempted to resolve this directly with XXXX XXXX via email at XXXX, but have not received a resolution. I am requesting that the CFPB investigate this matter and ensure that only one accurate and legally compliant entry remains on all three of my credit reports. 



Thank you for your attention to this matter.

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: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I purchased a pre-owned XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX with approximately XXXX miles on it with an extended warranty for about {$33000.00}. During this time, the global effects of the pandemic caused massive lay-offs and in which I endured a period of unemployment. The vehicle was repossessed in XXXX of XXXX  in which I redeemed the vehicle. The vehicle was also repossessed again in XXXX of XXXX, in which I redeemed the vehicle for a second time. At inception of the loan, my interest rate was 12 %. During the course of the loan, it was discovered that the interest rate on the loan exceeded 12 % which is not what was listed in my loan documents. Also, the company, Global Lending Services, did not adequately apply loan payments to my account in which it seems that I never was paying any principal but a significant amount of interest. During the course of the loan, the car was plagued with numerous mechanical issues in which the car frequently and automatically stops while driving on the freeway which is not safe. I had to replace the battery several times and also all of the electrical systems in the vehicle malfunctioned which will cost a significant amount of money to repair. I contacted XXXX via email in XXXX of XXXX  and explained my situation and what was going on with the vehicle in hopes that the lender can offer me some assistance to no avail. I was then contacted by a representative at XXXX in which I sent to email replies in XXXX of XXXX  and never received any correspondence or offered any assistance. The company practices are predatory and deceptive in the manner in which they apply payments to loan accounts and also how they changed my interest rate without my knowledge and also did not apply my payments correctly to my loan account. I find it difficult to understand even after paying on the loan for three years, how can the balance still be {$30000.00}. The company never acknowledged my emails and also charged the vehicle loan off on my credit report in which my credit rating sustained a significant decrease in which I can't even get another vehicle right now as I am in need of one. I sent the lender several emails to come up with a mutual resolution to reinstate the loan and maybe modify the terms of the loan to an affordable payment amount at market value and also continue making the payments in an affordable amount until the loan reaches it maturity date. As of XX/XX/XXXX, Global Lending Services has yet to respond to my inquiry and offer any types of assistance to help me resolve this delinquency and get my loan back on track. The car is still in my possession but it is currently not operable at this time. I have attached emails of the correspondence between Global Lending Services and myself.

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: CA

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