vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX. My DOB is XX/XX/XXXX. My Social Security Number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened with XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. A loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX. An auto loan account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. A credit card account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX An account opened with XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. 
An account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. An account opened with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Formal Dispute of Unverified Collection Account XXXX XXXX XXXX XXXX / XXXX XXXX To Whom It May Concern, I am writing to formally dispute a derogatory account that recently appeared on my credit report from XXXX XXXX XXXX XXXX for the amount of {$9800.00}, reported on XX/XX/XXXX. 

The account, originally opened on XX/XX/XXXX, is listed as being placed for collections on behalf of XXXX XXXX. I would like to state for the record that I do not have any knowledge of this debt, nor have I ever received documentation substantiating its validity. 

I reached out directly to XXXX XXXX XXXX XXXX  on multiple occasions requesting original documentation bearing my signature or any contractual agreement proving that I am responsible for this alleged debt. As of todays date, XX/XX/XXXX, I have received no response and no documentation to validate the claim. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt being reported against me. Because this request has gone unanswered, I am now filing this dispute with the CFPB and requesting a full investigation into the matter. 

This account is currently negatively affecting my credit profile, and I respectfully ask that it be removed immediately due to lack of validation and failure to provide sufficient proof of my liability. 

Attached is a screenshot from my XXXX XXXX account for your reference. 

Thank you for your time and assistance in 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 2025-07-25 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: T.S. Holdings
State: OH

Complaint narrative:
I am disputing a collection account placed by XXXX XXXX XXXX that is being reported to the credit bureaus. My initial letter was sent on XX/XX/XXXX of XXXX. I sent another written debt validation request, which was delivered on XX/XX/year> ( proof of delivery attached ). They have not provided a signed lease, an itemized breakdown of charges, or proof that this debt is valid. I also called them on XX/XX/year>, requesting documentation and was deflected. 

The only thing I received was a basic balance summary, which does not satisfy debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, this collection is inaccurately being reported or interpreted as an eviction, which is false. I was not evicted. I voluntarily stayed XXXX additional XXXX  after the lease ended. No eviction was filed or ruled on in court. 

I am requesting that XXXX XXXX cease reporting this collection to the credit bureaus and provide full validation, or it should be removed. Their failure to validate this debt and continued reporting violates my rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I submitted a dispute to Equifax challenging inaccurate and potentially fraudulent items that are negatively affecting my credit score. My dispute included detailed explanations and supporting documentation to justify removal or correction. However, I received no confirmation of action taken, no communication regarding the status of the investigation, and the inaccurate accounts remain unchanged. This lack of response violates my rights under the FCRA, and Equifax 's failure to reinvestigate is causing continued harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002  and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: EQUIFAX, INC.
State: NV

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit report, nor did I apply for any services with them. This is a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I applied for a Fit Master card from Continental Finance and approved after application. There was a service charge of {$95.00} required upfront to receive the card, which i paid. This company charge me this fee on a approve credit limit of {$400.00}. The company recieved annual fee payment but never send me a Mastercard. This fraud and they should be held accountable for taking my money and false advertising. This company took my money and never delivered me a credit card.

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 2025-07-25 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-25 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: FL

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I AM A VICITIM OF IDENTITY THEFT. BUT CREDIT BEUROS DID NOT TAKE ENOUGH ACTION FOR MY NAME TO BE FRAUD FREE. I HAVE FRAUDULENT INQUIRES UNDER MY NAME WHCH ARE : XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM REPATING THAT THIS INQUIRES ARE NOT MINE AND I HAVE NO CLUE HOW THESE GOT UNDER MY NAME. I HOPE THIS IS GOING TO BE SOLVED AND I WILL FINALLY BE FREE OF THIS DARK THINGS WHICH I FEEL REALLY WORRIED ABOUT. THANKS.

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 2025-07-25 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: TX

Complaint narrative:
LexisNexis Risk Solutions is listing a closed and invalid mailing address as its official dispute contact, making it impossible for me to correct false information theyve reported. 

In XXXX and again in XX/XX/XXXX, I mailed formal dispute letters to : LexisNexis Risk Solutions ATTN : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Both letters were returned by USPS, marked Box Closed Unable to Forward Return to Sender. Ive attached an image of one of the returned envelopes, postmarked XX/XX/XXXX, showing official confirmation that the address is no longer active. 

As of today, LexisNexis is still listing this closed XXXX XXXX as the correct place for consumers to send disputes. There is no updated address, no working email, no escalation contact, and no live support available to resolve critical errors in consumer reports. 

Background of the Dispute I attempted to dispute a false Comprehensive Claim listed on my XXXX report under Reference Number : XXXX. The entry was originally dated XX/XX/XXXX and is completely inaccurate. 

At no time did I file, request, or initiate an insurance claim. No processing occurred, and no payout was made. This was a quote-only situation - not a claim. XXXX has confirmed that they show zero claims filed or paid under my name. 

This is a 100 % flat-out reporting error. It is now directly impacting my insurance rates, including quotes I have received from XXXX, and it should never have appeared on my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Dave Operating, LLC
State: OR

Complaint narrative:
I am submitting this complaint regarding Dave, a lending app, due to their refusal to cancel ACH authorization from my bank account and their lack of repayment flexibility. I have repeatedly requested that they cancel the ACH authorization, but they continue to withdraw funds or retain access, which I understand they are required to cancel upon request under the Electronic Fund Transfer Act ( EFTA ). 

Additionally, Ive asked for a short extension or alternative repayment arrangement, but they refuse to offer any form of accommodation. I believe this rigid policy, especially when combined with financial hardship, is predatory and lacks basic consumer protections. 

Numerous consumers online have experienced similar issues, and Im concerned this is part of a broader pattern of unfair or deceptive practices. 

I am requesting the CFPB investigate this matter and help ensure that Dave :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
Dear CFPB, I am submitting this formal complaint against Possible Financial Inc for multiple reporting issues on my credit reports with XXXX XXXX XXXX XXXX. The company is currently reporting several accounts as charge-offs or collection/charged off, which appear to be duplicates, inaccurate, or unverified. 

Problem Accounts Reported by Possible Financial : Account Number : XXXX Charge-off, balance {$95.00} Account Number : XXXX Duplicate of above, charge-off Account Number : XXXX Charge-off, balance {$95.00} Others : Multiple closed accounts from XXXX, all with {$0.00} balance but repeated under various IDs Issues : Multiple accounts from Possible Financial are being reported as charge-offs, some of which show no payment history and may be duplicate entries. 

I sent dispute letters requesting verification or removal of inaccurate/duplicate entries. They have not responded. 

One of the entries indicates " Account Previously in Dispute Now Resolved Reported by Subscriber, '' yet no resolution or documentation was provided to me. 

This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: PA

Complaint narrative:
Date XX/XX/year> XXXX accrued {$1000.00} Fee {$100.00} I.m dispute this amounts under jurisdiction law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I believe this reported late payment is in error, given my history of timely payments. Please remove the entry and correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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