vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatm
ent of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-13 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: CA

Complaint narrative:
I have submitted multiple disputes to the credit bureaus regarding an account reported by XXXX XXXX XXXX. Each time, I provided evidence that the account is inaccurate and unverified. Despite this, the bureaus state the account will remain, allowing XXXX to continue reporting without legal proof of the debt. 

XXXX has never produced : A signed contract proving I owe the debt, A full chain of assignment from the original creditor, or Itemized statements showing how the balance was calculated. 

I have proof XXXX re-aged this account in violation of FCRA, and the bureaus even marked one of my valid disputes as a duplicate when it clearly was not. In one dispute, I provided a report number that, if investigated, would have shown no record regarding XXXX, yet they claimed to have investigated and ignored this. This proves mishandling, lack of a reasonable investigation, and blatant disregard for consumer information. 

Continuing to publish this unverified and re-aged debt after repeated disputes is willful noncompliance and an illegal misuse of my credit report. I am requesting immediate deletion of this account from all consumer reporting agencies. I will attach : Proof of re-aging, My dispute letters, XXXX responses, Evidence of the incorrect duplicate marking, Proof that the report number I provided contains no XXXX  record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes to the credit bureaus regarding an account reported by XXXX XXXX XXXX. Each time, I provided evidence that the account is inaccurate and unverified. Despite this, the bureaus state the account will remain, allowing XXXX to continue reporting without legal proof of the debt. 

XXXX has never produced : A signed contract proving I owe the debt, A full chain of assignment from the original creditor, or Itemized statements showing how the balance was calculated. 

I have proof XXXX re-aged this account in violation of FCRA, and the bureaus even marked one of my valid disputes as a duplicate when it clearly was not. In one dispute, I provided a report number that, if investigated, would have shown no record regarding XXXX, yet they claimed to have investigated and ignored this. This proves mishandling, lack of a reasonable investigation, and blatant disregard for consumer information. 

Continuing to publish this unverified and re-aged debt after repeated disputes is willful noncompliance and an illegal misuse of my credit report. I am requesting immediate deletion of this account from all consumer reporting agencies. I will attach : Proof of re-aging, My dispute letters, XXXX responses, Evidence of the incorrect duplicate marking, Proof that the report number I provided contains no XXXX  record.

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 2025-08-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-08-13 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: TX

Complaint narrative:
As I am not the owner of these erroneous accounts, they must be removed within 15 days in line with USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning, and I have no idea why this is still happening. Even after refreshing my browser, the inquiries remain. I need the documents Ive sent to be reviewed carefully so this issue can be resolved immediately, once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b'I normally pay without delay, so this report looks questionableplease investigate.'

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 2025-08-13 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've never missed a due date before, so this seems unusual. Please review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint against the three major credit bureaus for ongoing violations of the Fair Credit Reporting Act ( FCRA ).

Over the past several months, I have repeatedly disputed inaccurate and potentially unverifiable information in my credit report, including incorrect personal information ( current/previous addresses and employers ) and two accounts : Collection : XXXX XXXX XXXX  Acct . # XXXXXXXX XXXX XXXX XXXX XXXX Charge-Off : XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Despite providing all required documentation and specifically requesting the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), the bureaus have failed to : Provide the specific verification process used.

Identify the name, title, and contact details of the furnishers.

Produce any documentation relied upon to verify these items.

Instead, they have issued generic verified responses without conducting a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) and 1681e ( b ). The inaccurate personal information still remains, including : Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( incorrect ) Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX ( incorrect ) Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( incorrect ) Employers : XXXX XXXX  ( incorrect ) Employers : XXXX ( incorrect ) I have clearly stated in each dispute letter that I am submitting these disputes myself, not through any unauthorized third party. Yet the bureaus have failed to correct or delete the items in violation of FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: AZ

Complaint narrative:
I am filing this complaint because my Experian and Equifax credit reports are showing an account with XXXX  XXXX XXXX that is not mine. This account does not appear on my XXXX  report, and I have never applied for, opened, or authorized any account with XXXX  XXXX XXXX. 

I discovered this inaccurate information while reviewing my credit report and immediately filed disputes with Experian and Equifax. Despite my dispute, the account remains, and its presence is harming my credit standing. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only accurate and verifiable information. 

I am requesting that the CFPB require Experian and Equifax to : Fully investigate this matter with XXXX  XXXX XXXX. 

Provide documented proof, including signed application or authorization, verifying my connection to this account. 

Permanently remove the account if verification can not be provided. 

This account is not mine, and I am concerned it may be the result of a reporting error or possible mixed file. The continued reporting of false information is causing financial harm and must be corrected immediately.

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 2025-08-13 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: TX

Complaint narrative:
As per USC 1681g, these fraudulent accounts, which I do not own, must be deleted within 15 days.

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 2025-08-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
My rights and privacy was violated due the law of 15usc1681a4 as a consumer I have a right to privacy. your putting a public record on my credit report for everyone to see. that is violation of my rights.

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 2025-08-13 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:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Credit Control, LLC
State: FL

Complaint narrative:
I am formally filing a complaint with CREDIT CNTRL ( CHARTER COMMUNICATIONS data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

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 2025-08-13 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: AZ

Complaint narrative:
I am filing this complaint because my Experian and Equifax credit reports are showing an account with XXXX  XXXX XXXX that is not mine. This account does not appear on my XXXX  report, and I have never applied for, opened, or authorized any account with XXXX  XXXX XXXX. 

I discovered this inaccurate information while reviewing my credit report and immediately filed disputes with Experian and Equifax. Despite my dispute, the account remains, and its presence is harming my credit standing. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies report only accurate and verifiable information. 

I am requesting that the CFPB require Experian and Equifax to : Fully investigate this matter with XXXX  XXXX XXXX. 

Provide documented proof, including signed application or authorization, verifying my connection to this account. 

Permanently remove the account if verification can not be provided. 

This account is not mine, and I am concerned it may be the result of a reporting error or possible mixed file. The continued reporting of false information is causing financial harm and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding XXXX accounts that are being inaccurately reported on my credit file. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have submitted a written dispute requesting the immediate deletion of the false late payment and the correction or removal of the inaccurate XXXX XXXX data. I am requesting the CFPB to investigate these violations, require the credit bureau to correct or delete the inaccurate information, and hold them accountable for failing to maintain accurate consumer reporting as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX 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 2025-08-13 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: AL

Complaint narrative:
This report contradicts my payment habitsplease investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-13 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: TX

Complaint narrative:
My credit report is supposed to be 100 % accurate reporting on all credit reports according to FCRA. My transunion and Experian score is greatly impacted due to credit reports reporting no data for months instead of on time like it shows on my equifax report. And they should all be 100 % accurate so I immediately ask for update.

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 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
These are not my accounts. I was a victim of identity theft. These accounts are completely damaging my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MT

Complaint narrative:
On XX/XX/XXXX I made my XXXXXXXX XXXX  payment. On XX/XX/XXXX I certified my employment. MOHELA immediately put me in a forbearance and backdated it to XX/XX/XXXX. They sent a letter stating I could decline it. After speaking to XXXX different people they still havent removed it and insist they cant just remove it effective XX/XX/XXXX even though I am declining in. The agents all provided conflicting information as did XXXX. My loans should be forgiven immediately but MOHELA and XXXX appear to be delaying this and attempting to make me pay an extra payment by leaving me in a forbearance so my XXXX payment wont count. MOHELA refused to let me talk to a supervisor.

Company response to consumer: Untimely response