vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> By Certified Mail Return Receipt Requested Re : Formal Identity-Theft & Data Breach Dispute Demand for Immediate Blocking of Fraudulent Information Under FCRA 605B To Whom It May Concern, This letter serves as my FOURTH FORMAL DEMAND for TransUnion to comply with its obligations under the Fair Credit Reporting Act. I am the victim of a data breach and identity theft. My information has been found on the dark web and continues to be misused.

Unauthorized and fraudulent accounts were reported on my credit file, previously removed after dispute, but have now been re-added. This is an unlawful practice and a willful violation of my consumer rights.

My Demands Under FCRA 605B : 1. Immediate Blocking/Removal : Under 15 U.S.C. 1681c-2, TransUnion must block and permanently remove all fraudulent information from my file without delay.

2. Verification Methods : Provide, in writing, the exact method ( s ), documentation, and procedures used to verify these accounts. This includes but is not limited to applications, contracts, signatures, or communications allegedly linking me to these accounts.

3. Deadline : I demand full compliance within four ( 4 ) business days of receipt of this notice.

4. Legal & Arbitration Notice : Should TransUnion fail to comply, I will immediately escalate by filing complaints with the CFPB, FTC, and State Attorney General. Furthermore, because XXXX  is contractually bound by its own Arbitration Clause, I hereby place TransUnion on notice that I intend to pursue binding arbitration for damages, attorney fees, and injunctive relief if this matter is not resolved within the stated time frame.

This repeated failure to resolve my disputes demonstrates negligence, bad faith, and systemic noncompliance. TransUnion has now had multiple opportunities ( this being my fourth ) to correct this issue and has instead chosen to re-report fraudulent data, directly harming me.

Specific Disputed Accounts ( fraudulent and re-reported ) : - XXXX XXXX XXXX Account ending in XXXX Documentation Included : - Copy of my government-issued ID - FTC Identity Theft Report / Police Report ( if available ) - Copy of TransUnion credit report highlighting unauthorized items This letter is written in good faith, but it should be understood as a final opportunity before I seek legal and arbitral remedies. You are expected to act in full compliance with the 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 2025-09-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> By Certified Mail Return Receipt Requested Re : Formal Identity-Theft & Data Breach Dispute Demand for Immediate Blocking of Fraudulent Information Under FCRA 605B To Whom It May Concern, This letter serves as my FOURTH FORMAL DEMAND for TransUnion to comply with its obligations under the Fair Credit Reporting Act. I am the victim of a data breach and identity theft. My information has been found on the dark web and continues to be misused.

Unauthorized and fraudulent accounts were reported on my credit file, previously removed after dispute, but have now been re-added. This is an unlawful practice and a willful violation of my consumer rights.

My Demands Under FCRA 605B : 1. Immediate Blocking/Removal : Under 15 U.S.C. 1681c-2, TransUnion must block and permanently remove all fraudulent information from my file without delay.

2. Verification Methods : Provide, in writing, the exact method ( s ), documentation, and procedures used to verify these accounts. This includes but is not limited to applications, contracts, signatures, or communications allegedly linking me to these accounts.

3. Deadline : I demand full compliance within four ( 4 ) business days of receipt of this notice.

4. Legal & Arbitration Notice : Should TransUnion fail to comply, I will immediately escalate by filing complaints with the CFPB, FTC, and State Attorney General. Furthermore, because XXXX  is contractually bound by its own Arbitration Clause, I hereby place TransUnion on notice that I intend to pursue binding arbitration for damages, attorney fees, and injunctive relief if this matter is not resolved within the stated time frame.

This repeated failure to resolve my disputes demonstrates negligence, bad faith, and systemic noncompliance. TransUnion has now had multiple opportunities ( this being my fourth ) to correct this issue and has instead chosen to re-report fraudulent data, directly harming me.

Specific Disputed Accounts ( fraudulent and re-reported ) : - XXXX XXXX XXXX Account ending in XXXX Documentation Included : - Copy of my government-issued ID - FTC Identity Theft Report / Police Report ( if available ) - Copy of TransUnion credit report highlighting unauthorized items This letter is written in good faith, but it should be understood as a final opportunity before I seek legal and arbitral remedies. You are expected to act in full compliance with the 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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
I am formally disputing the validity and reporting of the above-referenced account, which is currently being reflected as a charge-off on my credit profile. 
Pursuant to my rights under 15 U.S.C. 6801 and 15 U.S.C. 6802, you are obligated to protect the privacy, accuracy, and integrity of consumer financial information and are prohibited from disclosing nonpublic personal information to third parties without proper authorization or a permissible purpose under the law.

By reporting and/or sharing this alleged charge-off with credit reporting agencies or third parties without my verifiable consent and without providing complete, accurate validation of the debt, you may be in violation of these statutes. Specifically : 1. 15 U.S.C. 6801 requires you to establish safeguards to ensure the security, confidentiality, and integrity of consumer financial information. Reporting unverifiable or inaccurate charge-off information violates this duty.

2. 15 U.S.C. 6802 prohibits the unauthorized disclosure of nonpublic personal information, including account details, without proper notice and consent. Disseminating this alleged charge-off to credit bureaus absent my permission and without proper validation constitutes a breach of this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: VA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XXXX XXXX XXXX retired .Opened on XX/XX/year> a TD bank Checking acc with {$20.00} dollars, applied for an unsecured loan {$15.00} ( 60 months loan at 8.99 % ), loan was disbursement XX/XX/year>, Wire transfer outgoing to XXXX XXXX XX/XX/year>, XX/XX/year> money was gone. The loan itself was for the purpose of a wire transfer to a cryptocurrency exchange, TD liability, TD was involved in executing the wire to XXXXTD ignored red flags ( negligence claim ). The TD bank that executed the wire do not followed proper security procedures., TD bank failed to do so in a commercially reasonable manner, TD failed the uniform commercial code ( UCC ). TD failed to act on obvious red flags, ( the complete loan amount was transferred to XXXX the following day of disbursement.TD failed to monitor suspicious cryptocurrency transaction.TD failed financial elder abuse laws.TD knowingly assisted my senior husband to finalize the loan application, an TD employee helped him using his phone at the branch, she acted with reckless disregard my husband 's financial wellbeing.TD has history of compliance issues related to cryptocurrency transactions. 24 hours after the wire, I went to the branch in person XXXXXXXX XXXX XXXX XXXX XXXXXXXX SC XXXXI spoke to the store manager about the fraud, she do not show any interest in help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MO

Complaint narrative:
First off, I only found out last month that payments on my student loans from over a decade ago had resumed after about 4 years of no payments and being told they were going to be forgiven. I am in the process of looking for housing and thus checked my credit score and found something was amiss.

After investigating and figuring out what the heck happened, I did find out in addition that they incorrectly transferred my contact information from the student loan website when my loan servicer was changed. I was told by them that they used my mother 's phone number as the primary along with a host of other numbers, none of which have ever been mine. They also told me that any phone calls would have shown up as spam. No calls or voicemails have ever been recieved by myself nor my mother. I am distraught that after YEARS of no activity, that collection can start with no positive contact with the debter and not exhausting the contact options given by the debter, nor checking that the information transferred was correct.

I also asked about potential ways to fix my credit score. I was given pretty limited information. I was told that they would not do any sort of retroactive forbearance like other companies have. A bigger issue is that I was not told about debt rehabilitation. I just learned about this today, and I intend to call them back now to discuss this. This is information that absolutely should have been provided to me at some point, especially when I specifically asked about options to fix my credit score. It should have been provided I want to just express how deeply distressing all of this has been. My credit has been nearly impeccable for over a decade and its now absolutely trashed at an important time, and it's all over an amount that I could have easily paid in one lump sum at any point had they actually reached me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 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: VA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-29 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: VA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-29 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Phone : XXXX Email : XXXX Date : [ XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX and TransUnion Re : Formal Dispute Fraudulent Accounts/ Identity Theft FTC Identity Theft Report Numbers : XXXX & XXXX Accounts in Dispute ( Fraudulent / Unauthorized ) XXXX XXXX XXXX XXXX Account # XXXX ( TransUnion / XXXX XXXX XXXX  ) Balance : {$24000.00} | Status : Charge-Off | Reported Fraud Amount : {$240000.00} ( FTC Report ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( TransUnion / XXXX XXXX XXXX  ) Balance : {$330.00} | Status : Collection / Charge-Off | Reported Fraud Amount : {$330.00} ( FTC Report ) 3. Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Basis of Dispute I am a victim of identity theft, supported by the attached FTC Identity Theft Reports. The above accounts are fraudulent, unauthorized, and unverifiable. Reporting these accounts violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates blocking fraudulent accounts once identity theft documentation is provided.

FCRA 602 ( A ) & 607 ( B ) : Requires maximum accuracy in consumer reporting.

Metro 2 Standards : Data must be reported with accuracy, integrity, and proper coding. These accounts are mis-coded, not marked as disputed properly, and contain inconsistent balance and payment reporting. 
FDCPA 807 & 808 : Prohibits continued collection or reporting of debts not owed by the consumer. 



Violations Noted XXXX Account : Reports inconsistent dates ( opened XX/XX/year> but discovered XX/XX/year> ), conflicting balances ( {$26000.00} vs. {$29000.00} ), and still reports charge-off despite FTC-verified fraud XXXX 
XXXX Account : Reports as an active collection though it is FTC-verified fraud. Comments sections differ across bureaus, showing inconsistent data ( Metro 2 violation ). 
Hard Inquiries : XXXX, XXXX XXXX, and XXXX XXXX remain on file though they were unauthorized. 



Formal Demands 1. Immediately BLOCK and PERMANENTLY DELETE the above fraudulent accounts and inquiries under FCRA 605B.

2. Update my credit profile to reflect no liability for these fraudulent debts.

3. Provide me written confirmation of deletions within 15 days as required under federal law.

4. Cease and desist from reporting, re-reporting, or attempting collection on these fraudulent accounts. 

Failure to comply will result in immediate escalation, including : Filing additional CFPB and FTC complaints Legal action under the FCRA, FDCPA, and state consumer protection laws for damages and attorneys fees. 



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