vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that currently appear on my credit report. I did not initiate, authorize, or consent to any credit applications or account openings with the companies listed below. I am seriously concerned that these inquiries may be the result of fraudulent activity or identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inquiries and a permanent block/removal under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which provides protections for victims of identity theft. This section requires consumer reporting agencies to block all information resulting from identity theft from appearing in a credit report, upon receiving appropriate proof and a formal request.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the errors I have found in my credit report.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is being filed under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the errors I have found in my credit report.

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 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding my federal student loan servicer, Mohela, for their ongoing failure to process my Income-Driven Repayment ( IDR ) plan request in a timely manner. 
On XX/XX/year>, I submitted a manual request for IDR recertification/processing. As of today XX/XX/year>, the request is still listed as processing delay, with no resolution or updates provided. 
Because of this delay, Mohela has continued to bill me at unaffordable high monthly payment amounts, causing me financial hardship and forcing me to divert funds from essential living expenses. 
This delay is unreasonable and is directly impacting my ability to remain in good standing under PSLF, as well as undermining the protections Congress intended through income-driven repayment plans.

I request the following : 1. Immediate review and processing of my IDR request retroactive to my original submission date in XX/XX/year>. 
2. Adjustment of my payment amount to reflect the correct income-based calculation. 
I appreciate your prompt attention to this matter and request written confirmation of the actions taken to resolve it.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Dear Consumer Financial Protection Bureau, I recently reviewed my Equifax credit report and discovered multiple inaccuracies in the listed accounts and addresses. When I attempted to dispute these errors through XXXX online dispute system, I faced significant obstacles : the system either prevented me from submitting disputes or did not allow me to select the appropriate dispute reasons. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate disputed information to ensure the accuracy of my credit report. I am requesting that Equifax verify the accuracy of the following : I request that the CFPB investigate Equifaxs failure to provide a functional dispute process and ensure compliance with FCRA obligations. Please contact me if additional documentation is needed to support this complaint. 

Attachments - Proof of Identity : XXXX XXXX XXXX XXXX XXXX Social Security XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
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 2025-09-25 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:
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 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have XXXX disputes from the same person on my Venmo. They froze my account and put hold on all my funds until resolved. The disputes were for XXXX each. I was given a set amount of time to submit my evidence. Ive tried over XXXX times and always get an error code that says try again later. Ive called them XXXX times over XXXX weeks, emailed several times and tried to chat with them several times and got absolutely no help. Twice they have told me some evidence was submitted then after the time expired I was sent emails from dispute department it was my final notice to submit evidence. That day I tried calling another 4 times and chatting 3 times and never got to speak to anyone. Now I will lose both disputes. I was never given the chance to give my side

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts that are currently being reported on my credit file. These accounts are not mine, I did not authorize them, and I have no relationship to them in any capacity. Their inclusion is entirely false, misleading, and deeply damaging to my credit standing. Allowing these inaccurate accounts to remain on my report misrepresents my financial history and unfairly harms my ability to move forward with essential financial opportunities. I have always maintained responsibility over my obligations, and I can not allow fraudulent entries to destroy the credibility I have built.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I am writing to formally dispute and demand immediate removal or correction of multiple derogatory, inaccurate, and/or unverifiable entries currently appearing on my credit report. This communication is being made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

The damage these entries have done to my credit is not only outrageous it's unlawful. I am being wrongfully penalized due to your failure to maintain accurate records and your blatant disregard for federal compliance. I am unable to obtain even basic financial approvals due to this negligent reporting. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I am writing to formally dispute and demand immediate removal or correction of multiple derogatory, inaccurate, and/or unverifiable entries currently appearing on my credit report. This communication is being made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and where applicable, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

The damage these entries have done to my credit is not only outrageous it's unlawful. I am being wrongfully penalized due to your failure to maintain accurate records and your blatant disregard for federal compliance. I am unable to obtain even basic financial approvals due to this negligent reporting. This is unacceptable.

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 2025-09-25 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: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these accounts be investigated, and if they can not be confirmed as accurate, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
I am a Texas consumer. Despite a second dispute to the CRAs and direct disputes to furnishers, XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) remain. The CRAs failed to provide a Method of Verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( 7 ) and did not block within 4 business days under 1681c-2, even though I provided FTC Identity Theft Report # XXXX and ID. 

The furnishers failed to conduct a reasonable investigation and correct reporting under 15 U.S.C. 1681s-2 ( b ) and 12 C.F.R. 1022.43 ( direct dispute rule ). I request CFPB intervention for deletion/blocking, correction of reports sent to CRAs, and confirmation in writing. 

Attachments : disputes, CMRRR proofs, CRA responses ( or lack ), FTC report # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 non-monetary relief
Consumer complaint received 2025-09-25 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed a unauthorized collection on my account this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: ME

Complaint narrative:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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
Consumer complaint received 2025-09-25 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 ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these accounts be investigated, and if they can not be confirmed as accurate, they must be deleted.

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 2025-09-25 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: PA

Complaint narrative:
This dispute concerns the inaccurate reporting of accounts that do not belong to me. I never opened, authorized, or approved these accounts, and I was not notified when they were added to my credit file. To make matters worse, each bureau is reporting different and conflicting information. This is a violation of the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain the highest level of accuracy.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX lot XXXX XXXX, AL XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Re : Request for Debt Validation and Cease & Desist Alleged Account in the amount of {$700.00} To Whom It May Concern, I am writing in response to your claim that I owe a debt in the amount of {$700.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby dispute this debt in its entirety and request that you provide full validation of the alleged obligation.

Specifically, provide the following : 1. The name of the original creditor.

2. Documentation bearing my signature that allegedly creates this obligation.

3. A complete accounting of the amount claimed, including principal, interest, fees, and other charges.

4. Documentation showing that you are legally authorized to collect this debt. 

Until you provide proper validation, you must cease all collection activity, including reporting to any consumer credit reporting agencies. Please be advised that reporting to credit bureaus constitutes a form of communication under the FDCPA, and continued reporting of this disputed debt without validation is a violation of federal law. 

Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease all further communication with me, except to provide the requested validation of the alleged debt or to inform me of specific legal remedies you may seek. 

This letter does not constitute an acknowledgment of liability or a waiver of any of my rights under federal or state law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I have incorrect information on my credit report. I contacted the creditors and I also contacted Equifax and transunion. Creditors nor Equifax or Transunuion could provide me with proof of ownership and also creditors, trans union and equifax has incorrect information of my date of birth and address and they avoid providing me with proof of debt although debt dont belong to me but they still have it 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 non-monetary relief