vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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 am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. 

I submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm.

This continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.

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 2025-09-10 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: CA

Complaint narrative:
I am a victim of identity theft, and my personal information was exposed in multiple data breaches involving Equifax, Experian, and TransUnion. As a result, fraudulent accounts and unauthorized hard inquiries were added to my credit reports without my knowledge or consent. 

I submitted official FTC Identity Theft Reports, my government-issued ID, proof of address, and formal written disputes under FCRA 605B, which requires these bureaus to block and delete fraudulent information within 4 business days. Despite complying with all requirements, the bureaus failed to delete the false accounts and inquiries, leaving me vulnerable to further harm.

This continued reporting of fraudulent data after valid identity theft documentation has been submitted is a direct violation of FCRA 605B, as well as 616 and 617 regarding willful and negligent noncompliance. I have suffered financial and emotional damage due to their inaction.

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 2025-09-10 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: NM

Complaint narrative:
I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX Late Dates XX/XX/2024 to XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, TransUnions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-10 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: NE

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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NE

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 explanation
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-09-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I noticed that my parent plus loan had still not been applied after a year of sending out emails and attempts to speak to the financial aid and all departments dealing with tuition payments and transcripts. During the week before the XXXX XXXX semester ended, I found myself sitting in a hot and crowded room for hours only to be told, Your application hasnt been received. Then, Oh! It said it was denied, then approved and so much more misinformation until, on the LAST DAY, I was finally told, You were only approved for XXXX ( when it said that I had XXXX ) and that I would still owe XXXX. Because of this massive waste of time and the disgusting amount of misinformation and poor communication, I am unable to continue perusing my education as they refuse to release my official transcripts to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
Information delinquent on my account is wrong from XXXX. Transunion and Experian. Accounts on there were not mine and others already paid

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 2025-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX I live in XXXX XXXX  with my husband XXXX XXXX we both work in a city XXXX hour away XXXX XXXX. 
Theses unauthorized transaction were done in a different state. Truist told us that these were actually authorized transactions and they do not have to give us money back. We have been on the phone with them multiple times over the past week with no luck. 
Neither of us were in XXXX  at that time. 
All the charges are listed below. 

XX/XX/year> XXXX XXXX XXXX {$160.00} XX/XX/year> XXXX XXXX {$180.00} XX/XX/year> XXXX XXXX {$180.00} XX/XX/year> XXXX XXXX XXXX {$190.00} XX/XX/year> XXXX XXXX {$64.00} XX/XX/year> XXXX XXXX {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} XX/XX/year> XXXX XXXX {$190.00} XX/XX/year> XXXX XXXX XXXX {$190.00} XX/XX/year> XXXX XXXX XXXX {$95.00} XX/XX/year> XXXX XXXX {$180.00} XX/XX/year> XXXX XXXX XXXX  {$190.00} XX/XX/year> XXXX XXXX XXXX {$180.00}

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 monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this statement to report that I am a victim of identity theft as a result of the Transunion data breach. My personal information, including my Social Security number and other identifying details, was compromised and has since been misused without my authorization. I did not apply for, authorize, or open any fraudulent accounts or credit inquiries that XXXX now appear on my credit file. Any such activity is the direct result of identity theft and should not be attributed to me. I am actively working with XXXX, other credit bureaus, affected creditors, and law enforcement to resolve these issues and prevent further misuse of my 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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Dear Sir/Madam, I am filing a formal complaint against XXXX XXXX XXXXXXXX for their continued unlawful collection activity and inaccurate reporting of an alleged debt on my credit report XXXX XXXX XXXX is attempting to collect on an account that I do not recognize and have never authorized. They have also engaged in wage garnishment without proper debt validation. Despite my disputes, they continue to report this account to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit furnishers to report only accurate and verifiable information.

Furthermore, their actions violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), as they have failed to provide proper validation of the debt after my request. 

I am formally demanding that XXXX XXXX XXXX : Cease and desist all collection activity, including calls, letters, garnishments, and credit bureau reporting. 

Remove the inaccurate account from all three major credit bureaus ( Equifax, Experian, and TransUnion ). 

Provide written confirmation of compliance. 

If XXXX XXXX XXXX can not provide legal proof of this debt, including the original signed agreement and chain of title, they have no right to collect or report it. Their continued reporting constitutes willful noncompliance with the FCRA. 

I respectfully request that the CFPB investigate this matter and take corrective action to ensure that my rights as a consumer are fully protected. 

Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I applied for a XXXX XXXX account however, XXXX XXXX opened the account and then they closed the credit card. I never received the credit card. It never was activated and they are reporting to my credit report that it is a late payment and that is not true because I never ever receive the card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means XXXX XXXX There is no XXXX XXXX involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: FL

Complaint narrative:
On XX/XX/year>, I noticed that Equifax is reporting inaccurate and unverifiable accounts on my credit file. The reported account ( XXXX ) show XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX disputed these items directly with the bureau on XX/XX/year> and provided notice that the information was inaccurate. Despite this, the bureau has continued to report the accounts without providing me with full validation from the furnisher. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX XXXX XXXX, the bureau must conduct a reasonable reinvestigation and delete any information that can not be fully verified. Additionally, under FCRA XXXX ( b ), XXXX XXXX XXXX ( b ), they are required to maintain maximum possible accuracy in consumer reports. 

Since the accounts remain unverifiable and inaccurate, I am requesting immediate and permanent deletion of these items. The continued reporting of unverifiable information is harming my creditworthiness and is in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
: Dear CFPB, I am writing to dispute fraudulent hard inquiries on my credit report that was not authorized by me .. these accounts need to be removed immediately they violate the federal credit reporting act.. 
XXXX card XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX 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 non-monetary relief
Consumer complaint received 2025-09-10 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: VA

Complaint narrative:
: Dear CFPB, I am writing to dispute fraudulent hard inquiries on my credit report that was not authorized by me .. these accounts need to be removed immediately they violate the federal credit reporting act.. 
XXXX card XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am stressed out because this company is violating my rights under XXXX XXXX XXXXXXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
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