vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: IN

Complaint narrative:
I have disputed multiple outdated and unrelated phone numbers and addresses from my TransUnion credit file. These numbers are no longer in use, not associated with any open accounts, and are affecting my creditworthiness. I have submitted disputes multiple times, and TransUnion has failed to remove them. Insurance company will not confirm information and I have canceled my account due to not having a vehicle any longer and i was still being charged for no use of insurance. Under federal and state consumer protection laws, I am requested a written documentation for all charges on my account. I also requested the exact date my policy was canceled and why further coverage was charged if I had no vehicle or active use. Yet it is still on my account and nothing has been provided for the third time. Due to this outdated information that has been used to deny me housing and employment. Leaving myself and XXXX children homeless even with a section XXXX voucher! Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to maintain accurate, up-to-date information. I am also protected under XXXX due to prior XXXX XXXXXXXX and forced relocation, and I request that all unrelated or old contact info be permanently removed for my safety and privacy. I am requesting immediate correction and full deletion of this inaccurate personal data.

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 2025-08-02 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX DEAR ( CREDIT REPORTING AGENCY ), Contents of Complaint : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that youXXXX XXXXthe credit reporting agency, block and remove 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 very much in disbelief of what's happening with my consumer repo rt, the listed accounts are listed below.

This fraudulent, inaccurate, and false information consists of a few Personal credit card 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 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me so stressed. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the previous consumer credit accounts, collections, and hard inquiries result from 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Westlake Financial Services for furnishing inaccurate information to Equifax concerning my account # XXXX. 

The company reported multiple 30-day late payments on this account. However, I obtained the full payment history from Westlake itself, which shows : All payments were made either on time or within less than 30 days of the due dates.

No late charge
s were ever assessed during the life of the account.

As such, reporting any late payments violates FCRA 1681s-2 ( a ) ( duty to avoid reporting inaccurate information ), and Westlake has not fulfilled its obligation under 1681s-2 ( b ) to correct or update the data after my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MA

Complaint narrative:
i have been trying to dispute these two accounts on my credit report regarding the accounts not belonging to me. i have contacted the company and got a response back saying i am not responsible for the account.

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 2025-08-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I have a XXXX account so when someone tries to do something or places something on my credit report they notify me. I have never had any dealings with SOURCE RECEIVABLES MANAGEMENT LLC this company in any way at all and I do not owe them any money whatsoever at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
Re : CFPB Case Number : XXXX Consumer : XXXX XXXX XXXX XXXX Ally Bank Submitted By : XXXX XXXX XXXX XXXX Consumer Advocate Dear CFPB and Ally Bank XXXX XXXX you for the response dated XX/XX/year>, regarding the auto loan account tied to XXXX XXXX and XXXX XXXX XXXX After reviewing the response, several concerns remain unresolved, and additional clarity and accountability are requested. 

XXXX. Acknowledged Contract Errors Ally has admitted that some information was either incorrectly stated or omitted in the original Retail Installment Contract. This is a significant issue under UCC and consumer contract law, especially when the corrected version was only mailed after the agreement was signed. The consumer did not receive, review, or sign the revised terms. No proof of receipt or affirmative agreement to those changes has been provided. 

XXXX. Lack of Due Process Before Repossession Ally claims to have sent a Notice of Intent and Plan to Sell Property after repossession. However, the consumer did not receive the legally required Right to Cure Notice, nor was there a reasonable window offered to reinstate or redeem the vehicle. Ally must show proof of delivery for those notices, not merely internal records.

3. Credit Reporting Discrepancies Despite disputes submitted via the credit bureaus, the tradeline continues to report inaccurately and lacks dispute notation in compliance with 15 U.S.C. 1681s-2 ( a ) ( 3 ). Ally has not provided : A complete investigation report Copies of all notices sent Validation of the debt post-repossession 4. Incomplete or Misrepresented Account History The response includes a payment history and deficiency notice. However, no documentation has been provided validating how the deficiency balance of {$9500.00} was calculated, nor whether the vehicle was sold at a commercially reasonable price under UCC 9-610.

Requested Relief : Full removal of this account from all credit bureaus due to contractual errors, lack of consent to revised terms, and flawed repossession process.

If not removed, require Ally to validate the deficiency balance, show proof of mailed notices, and provide a signed acknowledgment of the revised contract from XXXX XXXX. 

The consumer respectfully requests the CFPB to intervene and require Ally to comply with federal credit reporting obligations and consumer contract transparency. 

Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX Meadows XXXX XXXX, XXXX, AR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, XXXX XXXX, XXXX XXXX or hard inquiries as reported. The aforementioned accounts, collections, XXXX XXXX, XXXX XXXX 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.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was XXXX on [ XXXX Start Date ] and returned on [ Return Date ]. During this time, I was serving in [ Branch of Military e.g., XXXX XXXX ], and due to operational circumstances and limited communication access, I was unable to make timely payments on this account. 

This situation falls under the * * Servicemembers Civil Relief Act ( SCRA ) * *, which provides protections to military members during periods of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-02 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: AZ

Complaint narrative:
I am writing to file a formal complaint against [ Experian, Equifax, TransUnion ] due to the reporting of inaccurate and unverified child support information on my credit report ( s ), which has caused adverse effects.

Background I am subject to a child support order. I have reason to believe that the amounts reported to credit agencies are inaccurate, and requested these agencies remove the inaccurate information, but they chose not to.

Specific Issues and Violations 1. Inaccurate Child Support Calculation and Reporting : o The reported child support arrears and ongoing obligations are based on incomplete and inaccurate financial data, as evidenced in the attached legal memorandum and email correspondence. C
alifornia Family Code 4058 and 4060 require child support orders to be based on verified financial disclosures. 
o The XXXX XXXX XXXX XXXX had failed at the time to provide a complete and accurate accounting of payments made and received, despite my repeated requests. This lack of transparency prevents me from verifying the accuracy of the reported amounts.

o The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x, requires that credit reporting related to child support be accurate and verified. The adverse reporting based on inaccurate or unverified information violates this act. 
XXXX. Potential Violations of the Fair Debt Collection Practices Act ( FDCPA ) and FCRA : o There are concerns that the XXXX XXXX XXXX XXXX is reporting negative information to credit bureaus without my consent, which may constitute identity theft and fraud under 15 U.S.C. 1681b. 
o It is unclear whether the XXXX XXXX XXXX XXXX is fully compliant with FDCPA and FCRA regulations regarding the reporting of child support obligations to credit agencies. 

Requested Actions I request that the CFPB investigate this matter thoroughly and take the following actions : XXXX. Require [ Experian, Equifax, TransUnion ] to remove the inaccurate child support information from my credit report ( s ) as soon as possible. 
XXXX. Ensure the XXXX XXXX XXXX XXXX provides a complete and accurate accounting of all child support payments and arrears. 
XXXX. Verify that the XXXX XXXX XXXX XXXX complies with all relevant federal and state laws, including the FCRA and FDCPA. 
XXXX. Seek restitution for any damages I have incurred as a result of the inaccurate credit reporting. 
I look forward to your prompt attention to this matter. Please contact me if you require any additional information. 
Sincerely /s/ 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 2025-08-02 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have no knowledge of these accounts, they are not mine. They have been disputed but not deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
I have no knowledge of these accounts, they are not mine. They have been disputed but not deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may not furnish a consumer report without a permissible purpose. 

Upon reviewing my credit report dated XX/XX/2025, I noticed one or more inquiries that I did not authorize and for which I gave no written or verbal consent. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX To : Experian & CFPB XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Identity Theft Dispute Immediate Deletion and Permanent Suppression of Fraudulent Accounts Dear Experian, I am contacting you as a documented victim of identity theft resulting from the catastrophic XXXX Equifax data breach, in which my personally identifiable information was unlawfully accessed and later used to fraudulently open accounts in my name. 

As shown in the enclosed FTC Identity Theft Report, these accounts were not opened or authorized by me and are the result of criminal misuse of my personal information. These fraudulent accounts are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and they must be removed immediately.

Legal Demand for Deletion Within 4 Days Pursuant to 15 U.S.C. 1681c-2, you are legally obligated to block and delete information resulting from identity theft within four ( 4 ) business days of receiving proper documentationwhich I have provided herein. This includes : A copy of my FTC Identity Theft Report, A government-issued ID, and Proof of data breaches. 

Failure to comply will constitute willful noncompliance and expose your agency to civil liability, as affirmed in Cortez v. Trans Union , LLC, 617 F.3d 688 ( 3d Cir. 2010 ).

Do Not Reinsert Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you are strictly prohibited from reinserting any previously deleted information unless you certify its accuracy and notify me in writing within five ( 5 ) business days of reinsertion.

Let this serve as formal notice that I will pursue immediate legal action and file complaints with the CFPB, FTC, and my State Attorney General if any of these fraudulent accounts are ever reinserted into my credit report without full compliance with the law.

Enclosures : FTC Identity Theft Report Government-issued photo ID Proof of data breaches 605B letter Final Notice Before Legal Action You are hereby put on notice that : These accounts are fraudulent and must be permanently deleted. 
Reinsertion of any deleted item will trigger legal enforcement.

You have four ( 4 ) business days from receipt to comply and confirm the deletion in writing.

I strongly recommend your full cooperation to avoid statutory damages, punitive damages, and civil litigation under the FCRA and related consumer protection statutes. 

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/year>, a payment of {$140.00} was submitted to my CareCredit account ( Synchrony Bank ) from my XXXX  XXXX XXXX account ending in XXXX. This payment was successfully processed, reducing the balance from {$2100.00} to {$2000.00}, as reflected in my account activity. 

Shortly after this payment, I noticed that my credit limit had been reduced. In response, I submitted a request to have my credit limit increased, as I had maintained a history of responsible payments and the account was in good standing. Instead of processing my credit limit increase request, Synchrony Bank closed the account altogether and reported it as Closed by Credit Grantor on XX/XX/year>. 

This reporting is inaccurate and misleading, as there were no delinquencies or missed payments, and my account was active and being managed responsibly. I had not requested the account closure, and the remark suggests negative account behavior that is untrue. 

I submitted a request for information and resolution to Synchrony Bank but have not received a response. I am now requesting the following : Removal of the Closed by Credit Grantor remark from all consumer credit reports Correction of the account history to reflect accurate status and payment history through XX/XX/year> Reinstatement of the original credit limit and restoration of online account access, if feasible This inaccurate reporting is harming my credit profile and does not reflect the actual status or usage of my account.

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 2025-08-02 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: MA

Complaint narrative:
i have been trying to dispute these two accounts on my credit report regarding the accounts not belonging to me. i have contacted the company and got a response back saying i am not responsible for the account.

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