vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : XXXX Email : XXXX Date : [ Insert Todays Date ] TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Account Reporting XXXX XXXX XXXX, Account # XXXX Dear TransUnion XXXX Department, I am writing to formally dispute inaccurate information being reported on my credit file. The account in question is listed as : Creditor : XXXX XXXX CXXXX  XXXX XXXX XXXX and Finance Companies Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$0.00} ( Paid in Full ) Reported : XX/XX/XXXX Although this account reflects a {$0.00} balance and is marked closed as of XX/XX/XXXX, your reporting system continues to indicate that I am currently late on payment and that I should make a payment to bring the account current. This is factually inaccurate and misleading, as the account was paid in full prior to closure and no payment is past due. 

I respectfully request that TransUnion immediately : Investigate this matter with XXXX XXXX XXXX and verify that the account was paid in full and carries no past due balance. 

Update my credit report to accurately reflect the account as Closed Paid as Agreed, {$0.00} XXXX. 

Remove any late payment or past due notation associated with this account. 

This erroneous reporting is negatively impacting my creditworthiness, despite my history of timely payments and resolution of this account. Please correct this matter promptly in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
This lack of response and action has resulted in an inability to resolve the issue and has left me in a situation where I was without a vehicle and neglected by both the bank and the dealership. The vehicle was towed for repair and the dealership failed to repair the vehicle for 2 weeks, contacted the bank and stated that I had abandoned the vehicle. I am concerned about the impact this may have on my credit and financial standing due to the failure of the dealership and lender to uphold their obligations.I am writing to formally request an investigation into discrepancies in the reporting of my credit information across the three credit bureaus. Specifically, I have identified discrepancies related to the type of contract and the balance of the contract. These inconsistencies are severely affecting my credit report and causing harm to my personal and financial reputation. These discrepancies are causing significant harm to my creditworthiness and, more importantly, are damaging my reputation as they do not accurately reflect my financial obligations. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, and the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801, I am entitled to accurate and timely reporting of my credit information. The inaccurate reporting of the type of contract and the balance of the contract constitutes a violation of these provisions.I kindly request that you promptly conduct an investigation into these discrepancies and take corrective action to ensure that my credit report accurately reflects the true nature of the contracts and balances. These errors must be rectified in order to prevent further defamation of my name and ensure compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
SECURITY CREDIT SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT SERVIC 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 explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I lost my wallet which contained multiple of my credit cards which were used without my consent or approval. I attempted to contact the credit card companies involved to which they stated they were going to investigate. I also filed a police report for further investigation, which led to no resolution. Since the balances were not authorized or approved by myself and I had already reported them as unauthorized, I did not make payments this led to the accounts being turned over to collections. I attempted to contact the credit card companies several times to resolve this issue. I also contacted the credit bureaus and filed a dispute with no resolution as well ; XXXX  report number XXXX. The credit cards involved are : Chase opened in XXXX, fraudulently used in XXXX {$17000.00} XXXX XXXX  opened in XXXX, fraudulently used in XXXX {$5500.00} XXXX  XXXX XXXX opened in XXXX, fraudulently used in XXXX {$800.00} XXXX XXXX XXXX  opened In XXXX fraudulently used in XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX, 2025 at XXXX XXXX, XXXX XXXX, my XXXX XXXX XXXX  was taken without notify. I can not call the bank due to holiday that will be an extra day of payment for me to get it back from where ever it is. Bank calls my phone three times a day even on weekends early in morning. When I do answer, it takes them a moment to connect. I do answer phone call but they always want a date to collect so they can take it out of my bank. One time XXXX XXXX XXXXsk what date for payment and I told him I XXXX not have enough but he continued to ask me for a date of payment I told him on XXXX and bank automatically took my payment out that day but I did not give him permission to do so but he took it out anyway. I was overdrawn from my bank. So when bank calls I do not answer because of this situation. I am going to send payments because I only owe bank of XXXX. Want to keep my truck. I should not have to pay for a repos because it was on a holiday and I only owe bank XXXX please help any way you can. I have evidence on all phone call through my phone company on how many times bank calls me per day.

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 2025-09-01 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: CA

Complaint narrative:
Despite multiple previous attempts to resolve this matter, fraudulent and inaccurate information continues to appear on my consumer credit report without resolution. As a victim of identity theft, I never authorized or consented to the inclusion of this information, which has been wrongfully associated with my personal profile. The persistence of these erroneous entries has caused substantial personal XXXX  and continues to negatively impact my financial standing and creditworthiness. The ongoing presence of this disputed information suggests a failure to properly investigate and address my legitimate concerns under federal consumer protection guidelines.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I am writing to formally dispute the incomplete or missing information on my ChexSystems report, which I believe is causing undue harm to my reputation and financial standing. I have reviewed my report and found significant data omissions, which I believe have led to inaccurate reporting and defamation of my name. As a result, I am requesting an investigation and resolution of these issues. 
I am particularly concerned that the absence of key data has contributed to defamation, as it creates a misleading picture of my financial history. The missing data includes [ briefly describe the specific missing information, such as account history, transaction details, or other relevant financial data ]. This incomplete information is causing significant harm, as it is preventing me from accessing certain financial services, causing reputational damage, and potentially affecting my ability to open bank accounts or secure financial products.

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 2025-09-01 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: TX

Complaint narrative:
I learned my soon to be ex-husband 's girlfriend, XXXX XXXX was attempting to open credit in my name, over XXXX different accounts. I filed a police report for theft of my identity with XXXXXXXX XXXX XXXXXXXX,, XXXX XXXX XXXX, Report # XXXX. 

I found the inquiries on my TransUnion credit report. I immediately contacted TransUnion XXXX times, each time speaking with a foreign representative. The representatives had difficulty understanding the identity theft problem and would hang up on me, I then sent emails to XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX TransUnion at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, Chief Product Officer, Identity and Fraud at TransUnion at XXXX on XX/XX/year>, XX/XX/year>, and XX/XX/year>. A woman named XXXX called me from XXXX telling me to call the XXXX number, knowing I was unable to obtain help and told me I had to have an open dispute, her message treated me as if I was stupid - really? Seriously, I had been trying for over a month. Nothing about the identity theft or freezing of my report. 

Today, XX/XX/year> I went on to TransUnions website attempting to obtain my report and place a credit freeze - my credit report did not come up, instead it gave me a blank credit report. 

TransUnion has refused to correct my report and remove the fraudulent data; refused my fraud alert ; and refused to freeze my credit or offer any support or help whatsoever. 

I need assistance please.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Sent an email dated XX/XX/year> asking for validation of the following : Forward Flow Agreement, Chain of Assignment, Purchase Agreement, Insurance Claim of Debt or my signature agreeing to pay. On XX/XX/year> i recievied the attached email stating they would not send documents to verify any of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
i lived in XXXX  and paid my rent every month and only stayed there one year till my lease was up, the XXXX XXXX XXXX XXXXXXXX ca. but i got charged additional time of living there which i did not live there anymore plus if u didnt pay ur rent on time they would put a XXXX hour notice on ur door for you to move out so theres no way possible to live there without paying rent, The manager was arrested after i moved out and a new manager got hired but yet its on my credit report that i was still living there and that i wasnt paying my rent.This is false information and its hurting my credit very badly i should not be punished for someone elses mistakes .. its on my credit as " XXXX XXXX XXXX for the amount of XXXXXXXX XXXX and my personal information was sent/sold to a 3rd party which i know is highly illegal!!!

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 2025-09-01 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: AZ

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-09-01 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: NV

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Transunion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If Transunion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-09-01 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: NJ

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The most appropriate and fair outcome in this matter is the full removal of the inaccurate negative entries from my credit report. I have made every effort to resolve these discrepancies through the proper channels, yet they continue to go uncorrected. It is both frustrating and deeply discouraging that no meaningful steps have been taken. The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report, free from unverifiable or incorrect data. Your ongoing inaction not only breaches this legal obligation but has also caused serious financial hardship and emotional distress. I strongly urge you to take prompt and definitive steps to eliminate these harmful items from my credit file.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX  XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 2025-09-02 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong 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