vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
I am writing as a consumer to formally dispute inaccurate, incomplete, and unverifiable information appearing on my Equifax credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting a full investigation into the following items. 

XXXX Accounts ( Equifax ) XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX | XXXX : {$830.00} XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX | XXXX : {$0.00} XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX | Balance : {$500.00} XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | XXXX : {$140.00} XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX | XXXX : {$2000.00} These accounts are being reported with discrepancies, duplicate information, and balances that do not appear accurate or properly validated. Please verify the accuracy and method of verification used. 

Inquiries ( Equifax ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX I do not recognize or recall authorizing these inquiries. Please investigate and remove any inquiries that can not be verified as permissible. 

Late Payments ( Equifax ) XXXX XXXX Account XXXX. XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX  Account No. XXXX These late payment remarks are inaccurate and/or incomplete. Please provide full verification or remove them if they can not be substantiated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CO

Complaint narrative:
Never got a phone call from this company but repeated calls to family over and over to the point of harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MO

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness.

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I received 4 delinquent payment alerts on my credit report from Firstmark XXXX XXXX. I called Firstmark and the automated response told me my account was current and not due until XX/XX/XXXX. On the XXXX, I called to find out from a representative that there was XXXX cents past due. However the automated system did not indicate any past due amount. My credit score dropped by XXXX points because of this. 

Between XX/XX/XXXX through XX/XX/XXXX, I received XXXX delinquent payment alerts on my credit report from Firstmark XXXX XXXX. Each time the automated call system and the online portal said my accounts were current. Payments are not due until the XXXX of each month. When I talked with a representative on the phone, they said that payment processing between Firstmark and XXXX 's bank is what was causing the delinquent alerts, even though Firstmark had the funds in their account. 

In total, my credit score went from XXXX to XXXX in a matter of 5 months. I've worked incredibly hard to maintain a health credit score. The actions of Firstmark are really unacceptable to consumers trying to manage their student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: VA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
Dear Sir/Madam, I am disputing multiple items on my TransUnion credit report that are inaccurate, misleading, and improperly verified. These errors are negatively affecting my creditworthiness and must be corrected under the Fair Credit Reporting Act. 

Charged-Off Accounts in Dispute ( TransUnion ) XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened XX/XX/XXXX Balance {$190.00} XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$3800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2100.00} XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$800.00} Inquiry Dispute ( TransUnion ) XXXX XX/XX/XXXX Late Payment Disputes ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-15 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:
Dear Sir/Madam, I am submitting this dispute after identifying inaccurate and inconsistent information on my TransUnion credit report. These reporting errors are negatively affecting my creditworthiness and must be corrected.

Charged-Off Accounts ( TransUnion ) XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Acct XXXX XXXX ( partial account number reported ) Opened XX/XX/XXXX Balance {$4100.00} XXXX XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Balance {$0.00}

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 explanation
Consumer complaint received 2025-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear all, I have a debt collector on all my credit reports under XXXX XXXX XXXX 
I disputed this with the XXXX ( also known as XXXX XXXX XXXX and requested debt validation. This was sent via certified mail on XX/XX/year>. 
They failed to respond within 30 days. 
I then sent the request to have this removed to all the credit bureaus as this was not validated - and none have removed this as yet. 

This has been over 15 days with the credit bureaus, which legally should now be removed. 

Can you please assist in having this collection removed from my credit reports as it is massively impacting my score and report? 
This was sent to all the major bureaus : Transunion, Equifax and Experian. 
If this is appearing on any others that Im not aware of, theyd need to be removed too. 

Please see attachments.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: AL

Complaint narrative:
I have received multiple debt collection emails. No mailing, no receive to any other PII. 
I called XX/XX/year>XXXX XXXX XXXXXXXX to investigate. Agent asked for my full name and consent to recording. I informed him I was also recording and asked for his consent. Agent refused consent. Agent asked for same information again, I informed him I was recording and asked for consent. Each time the agent refused, repeated 3 times. Agent then terminated the call.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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

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 2025-12-15 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: LA

Complaint narrative:
I am submitting this dispute to challenge inaccurate, duplicate, and unverifiable information on my TransUnion credit report. Please conduct a full investigation in accordance with the Fair Credit Reporting Act. 

Charged-Off Accounts ( TransUnion ) XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | XXXX : {$830.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | XXXX : {$500.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$140.00} XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | Balance : {$140.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX | XXXX : {$2000.00} The XXXX XXXX accounts appear to be duplicate tradelines for the same debt, which is misleading and inaccurate. Please investigate and delete any duplicate or unverifiable entries. 

Inquiries ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize authorizing these inquiries. Please remove any inquiry lacking a permissible purpose. 

Late Payments ( TransUnion ) XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX These late payment entries are inaccurate and inconsistent with my records. Please investigate and delete if they can not be verified.

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 2025-12-15 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OK

Complaint narrative:
When I notify XXXX  that they fraudulently lied to you all regarding an investigation that never took place because on XXXX the XXXX I called to see what was going on with the investigation that was supposed to start on XX/XX/XXXX and they thought that they could send me a letter backdated to my XXXX  file without my knowledge but my XXXX  file notifies me and logs in the date and time and I told them they committed fraud and as soon as they knew that they started locking me out of my account they watch all of my email screenshots was these people have done is horrendous the toilets taken on my health is unbelievable this has been going on for XXXX  months every time I take a screenshot time is notified every time I'm on my app they're notified when I call them the procedure is a bot calls you back and then put you through the bot doesn't even call me back and they don't even identify me anymore or ask me for my last XXXX digits and my social security number that's XXXX much there invading my privacy besides the numerous laws somebody needs to go back and listen to all the recordings since XXXX you were clearly see that they have violated my rights severely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: CA

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 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 2025-12-15 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: GA

Complaint narrative:
I am writing to formally dispute multiple accounts appearing on my TransUnion consumer report as a direct result of a data breach and/or unauthorized disclosure of my personal identifying information. Under the Fair Credit Reporting Act ( 15 U.S.C.

1681 et seq. ), TransUnion is legally obligated to ensure that all information reported on my credit file is accurate, complete, and fully verifiable. 
Account Name 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

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 2025-12-15 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NC

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