vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I submitted formal disputes to TransUnion, Experian, and Equifax regarding multiple unverifiable accounts. These disputes were submitted over 30 days before I filed my initial CFPB complaint. At the time I submitted the CFPB complaint, none of the credit bureaus had provided any written results, verification, or updatesmeaning they had already violated the XXXX deadline under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ).

After my complaint was filed, the bureaus acknowledged they had not completed the investigations within the legally required time frame and were still working on it, as shown in their CFPB responses. This confirms they failed to comply with the FCRA. 

In my original disputes, I specifically requested results and verification to be sent via email, as I do not currently have a reliable mailing address. Despite this, I never received any verification documentation or responses electronically. I also asked for any verification evidencesuch as confirmation dates, supporting documentation, or communication with furnishersbut none was provided by any of the bureaus. 

Only XXXX account ( XXXX XXXXXXXX XXXX XXXX  ) was deleted by TransUnion, which suggests other accounts may also be unverifiable. 

I am requesting full deletion of all remaining accounts that were not verified and that failed to meet the XXXX compliance deadline. I also request that all resolution results and communication be sent to me by email moving forward, as that is my only reliable form of correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I made a {$470.00} payment to my XXXX XXXX XXXX  account on XX/XX/year>. Despite this, my Experian credit report continues to show a balance of {$450.00} as of both XX/XX/year> and XX/XX/year>. This is inaccurate and misleading. 

This account has never been late, and the balance should reflect the most recent payment. Failing to update this information violates the Fair Credit Reporting Act ( FCRA ), specifically the requirement to report accurate and complete information. 

I believe this is willful noncompliance. I am requesting immediate correction of the account balance across all credit bureaus. If this is not resolved promptly, I will pursue further legal action under FCRA Section 623 and escalate the matter with legal counsel. 

I have attached proof of the payment and screenshots of the inaccurate reporting.

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 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing formally to dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which Violates multiple Federal Laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections, Breach of the Privacy Act of XXXX  ; My personal and financial information was improperly accessed and shared without my authorization, my privacy rights under Federal Law. Violation of the Higher Education Act ; as a student loan borrower, my information should have been protected, but the mishandling of the data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at RISK, and Unauthorized disclosure to third parties.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing formally to dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which Violates multiple Federal Laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections, Breach of the Privacy Act of XXXX  ; My personal and financial information was improperly accessed and shared without my authorization, my privacy rights under Federal Law. Violation of the Higher Education Act ; as a student loan borrower, my information should have been protected, but the mishandling of the data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at RISK, and Unauthorized disclosure to third parties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing formally to dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which Violates multiple Federal Laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections, Breach of the Privacy Act of XXXX ; My personal and financial information was improperly accessed and shared without my authorization, my privacy rights under Federal Law. Violation of the Higher Education Act ; as a student loan borrower, my information should have been protected, but the mishandling of the data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at RISK, and Unauthorized disclosure to third parties.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
I rented a storage unit and paid approximately {$62.00} per month for about XXXX  XXXX  ( starting in mid XXXX and ending in XXXX ) using my Discover credit card. During this time, the unit was infested with rats, and the ceiling eventually collapsed. As a result, the majority of our belongings were completely destroyed totaling thousands of dollars in damage. 

I also paid for insurance through the storage facility, but despite repeated attempts to contact them, I never received any outreach or follow-up regarding a claim. I filed a dispute with Discover to reverse the charges since the service provided was completely unacceptable and caused significant loss. However, Discover denied my dispute, stating there wasnt enough evidence, despite the clear proof that the unit was unusable and caused substantial damage. 

I have been a loyal Discover customer for over XXXX  years, have never missed a payment, and maintain a savings account with them. I am extremely disappointed with their handling of this matter and am requesting further review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Final Attempt to Resolve Ongoing Credit Reporting Errors Noncompliance by All Three Major Credit Bureaus I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued failure to investigate and correct multiple inaccuracies on my credit report. Despite submitting multiple disputes, the credit bureaus have not taken corrective action or provided a legally sufficient response in accordance with the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting proper investigations, the bureaus have responded with generic verified results, yet they failed to provide the legally required " method of verification '' under XXXX XXXX. XXXX ( a ) ( XXXX ). This ongoing pattern constitutes a direct violation of both XXXX ( a ) ( failure to conduct a proper reinvestigation ) and XXXX ( b ) ( failure to maintain reasonable procedures to ensure maximum possible accuracy ). 

Disputed Items Still Unresolved : Incorrect Personal Information : Alias : XXXX, XXXX, XXXX This is not my name and should not be listed Previous Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Not my address Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Not my address Employer : XXXX XXXX XXXX  Not accurate Employer XXXX XXXX XXXX XXXXXXXX XXXX Not accurate Inaccurate or Unverifiable Account Reporting : Charge Off XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Duplicate Charge Off XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Summary of Bureau Noncompliance : Despite multiple prior disputes, none of the bureaus have provided XXXX XXXX specific method and process used to verify the above accounts The full name, title, and contact details of the furnishers involved Any supporting documentation that was used to validate the disputed information

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Final Attempt to Resolve Ongoing Credit Reporting Errors Noncompliance by All Three Major Credit Bureaus I am submitting this formal complaint against Experian, Equifax, and TransUnion for their continued failure to investigate and correct multiple inaccuracies on my credit report. Despite submitting multiple disputes, the credit bureaus have not taken corrective action or provided a legally sufficient response in accordance with the Fair Credit Reporting Act ( FCRA ). 

Instead of conducting proper investigations, the bureaus have responded with generic verified results, yet they failed to provide the legally required " method of verification '' under XXXX XXXX. XXXX ( a ) ( XXXX ). This ongoing pattern constitutes a direct violation of both XXXX ( a ) ( failure to conduct a proper reinvestigation ) and XXXX ( b ) ( failure to maintain reasonable procedures to ensure maximum possible accuracy ). 

Disputed Items Still Unresolved : Incorrect Personal Information : Alias : XXXX, XXXX, XXXX This is not my name and should not be listed Previous Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Not my address Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Not my address Employer : XXXX XXXX XXXX  Not accurate Employer XXXX XXXX XXXX XXXXXXXX XXXX Not accurate Inaccurate or Unverifiable Account Reporting : Charge Off XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX XXXX Account Number : XXXX * XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Duplicate Charge Off XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Charge Off XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Collection XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Summary of Bureau Noncompliance : Despite multiple prior disputes, none of the bureaus have provided XXXX XXXX specific method and process used to verify the above accounts The full name, title, and contact details of the furnishers involved Any supporting documentation that was used to validate the disputed information

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 2025-07-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: WA

Complaint narrative:
I refinanced my student loans through XXXX in late XX/XX/year>. The refinance was meant to fully pay off XXXX XXXX education loans serviced by XXXX and XXXX  XXXX XXXX. However, only XXXX loan was fully paid off, another was left with a {$33.00} balance ( XXXX Loan ), while the other XXXX was overpaid by {$800.00} and XXXX XXXX XXXX  XXXX XXXX ) and, resulting balances totaling {$1200.00} from the XXXX XXXX. 

I contacted XXXX support by email on XX/XX/year>, asking for clarification. XXXX from XXXX responded on XX/XX/XXXX, but redirected me back to XXXX 's XXXX XXXX team, despite the loan being refinanced through them. I called XXXX times and every time they said they are investigating it and no answer, yet there is still issues with my refinancing. 

Since then, I have : Called XXXX XXXX times to escalate this issue Repeatedly emailed support without a clear resolution Requested documentation on how the funds were distributed, but have not received any As of XX/XX/year>, the problem remains unresolved, and I still have no visibility into why this discrepancy occurred or how XXXX applied the payments. XXXX requesting a complete explanation and resolution, including all documentation regarding the fund disbursement to both loans. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As of XX/XX/year> my information from a collection account from XXXX XXXX XXXX XXXX in the amount of {$2900.00} was shared to a third party without my authorization or consent. Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( b ) ), a debt collector may not communicate with any third party regarding a consumers debt without the consumers direct consent or a court order. Sharing my personal debt information without authorization is a violation of this federal protection and must be remedied 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I recently discovered a new entry on my XXXX  credit report from Resurgent Receivables, LLC, which I do not recognize. I have never received any written communication, billing statement, or validation notice from your company regarding this alleged debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing the validity of this account and requesting the following : 1. Immediate verification of the debt, including a copy of the original signed agreement and a complete payment history.

2. The name and contact information of the origi
nal creditor and documentation showing your legal right to collect on this debt.

3. Evidence that you provided the legally required written notice within five days of first reporting this debt, as required by the FDCPA. 
Furthermore, because I have not been properly notified or given the opportunity to dispute the debt prior to reporting, I am demanding that all negative information related to this account be removed from all credit reporting agencies, including but not limited to XXXX XXXX XXXX XXXX 
Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney generals office for violations of my consumer rights. 
Please respond to this request in writing within 30 days of receipt. Until this matter is resolved, I request that you cease all collection and reporting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent disputes to the credit bureaus ; equifax, experian, and transunion on XX/XX/XXXX, XXXX, and on XX/XX/XXXX. The credit bureaus have not properly investigated my disputes. The items remain with errors on my credit report. We have attached a 3 bureau credit report showing all of the errors. The errors are highlighted to show the discrepancies. Please assist me in having the credit bureaus update the errors in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation