vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: DE

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
After 120 months of qualifying public service on XXXX XXXX in the military, I applied for the PSLF BuyBack program to have my remaining loan amounts forgiven, for which I qualify and have completed the necessary administrative process. The documentation claims the application will be processed in up to 45 business days, however, it has been nearly 12 months since submission without a written decision. During this time, I have called nearly monthly for status reports without success, requested escalation both verbally and in writing through the website Case portal, and yet remain in limbo. This delay has meaningful consequences for future career and family planning, and is in clear violation of the stipulated time window in the contract. Please advise, thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: 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 2025-10-15 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: NC

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

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$10000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I found multiple inaccurate accounts and unauthorized credit inquiries on my Experian report. I never applied for or consented to these inquiries, and several accounts are misreported. I sent Experian a dispute letter under 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 5 ) ( A ), and 1681b ( f ), requesting correction and removal. Experian has not resolved these errors or verified the accuracy of the reported 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 2025-10-15 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
Allegedly in XXXX XXXX XXXX XXXX got XXXX XXXX lawyers to file a judgment against me. I did not know anything about this judgment. 
Actually, in XXXX I saw the debt on my credit report and contacted XXXX XXXX to make a payment arrangement. We both agreed upon me paying {$75.00} per month, for a total of 24 months. This payment arrangement has been completed in XX/XX/XXXX. 
Last week I received a blank envelope with only my name on it, and I opened it. In the letter it states that XXXX XXXX XXXX XXXX will be garnishing my checks. I contacted them to tell them that the debt has been settled. When I talk to them, they stated that I did not follow what was stated on the judgment. I told them that I did not know about a judgment. I contacted a lawyer to help me on my behalf. When my lawyer contacted them, they stated to my lawyer that I had signed the judgment. The signature was forged. It was not my signature because it had the wrong capitalization and punctuation. They are now trying to garnish my checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am filing a complaint regarding several inaccurate late payment entries on my credit report. The following accounts show inconsistent or unverifiable late statuses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$1900.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$3500.00} ), and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$4100.00} ) each report 90120 days late for overlapping dates, which is inconsistent and misleading. Additionally, XXXX  XXXX * * ( {$28000.00} ) reports continuous 120-day late payments from XXXX, which appears erroneous or unverifiable. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, which require maximum accuracy and proper reinvestigation.

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 2025-10-15 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: CA

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: UT

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is very upsetting to see that there are still inaccurate accounts listed on my credit reports and they have not been taken off. I am begging that the attached documents be looked over carefully so that I can finally have peace of mind about this.

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 2025-10-15 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to dispute an inquiry that recently appeared on my credit report. I want to be very clear : I never authorized this inquiry, nor did I give anyone consent to access my credit file. I have no relationship with the company that initiated it, and I never signed, approved, or otherwise permitted a credit check of any kind. 

This unauthorized access is not only a violation of my privacy, but it has also caused me unnecessary concern about the security of my personal information. Allowing an inquiry to remain on my report when there was no permissible purpose misrepresents my credit history and could unfairly affect my score.

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 2025-10-15 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section XXXX of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize, authorize, or approve. This raises serious concerns about the misuse of my private information and possible identity theft. As a victim, I urgently request the immediate removal of these fraudulent accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below are in direct violation of my federally protected consumer rights under 15 U.S.C. 1681. Specifically : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : States that no consumer reporting agency may furnish an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse items of information that are inaccurate or outdated.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or reasonably should know the information is inaccurate. 
These fraudulent accounts violate the above federal laws and are a clear breach of my rights to privacy and confidentiality. I demand that these accounts be deleted from my credit report immediately to prevent further harm.

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 2025-10-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts that I do not recognize, authorize, or approve. This raises serious concerns about the misuse of my private information and possible identity theft. As a victim, I urgently request the immediate removal of these fraudulent accounts from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below are in direct violation of my federally protected consumer rights under 15 U.S.C. 1681. Specifically : 15 U.S.C. 1681, Section 602 ( A ) : Guarantees my right to privacy.

15 U.S.C. 1681, Section 604 ( A ) ( 2 ) : States that no consumer reporting agency may furnish an account without my written authorization.

15 U.S.C. 1681c ( a ) ( 5 ) : Prohibits reporting adverse items of information that are inaccurate or outdated.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits any person from furnishing information to a consumer reporting agency if they know or reasonably should know the information is inaccurate. 
These fraudulent accounts violate the above federal laws and are a clear breach of my rights to privacy and confidentiality. I demand that these accounts be deleted from my credit report immediately to prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
I am an active U.S. servicemember. Experian, Equifax, and TransUnion are continuing to report an inaccurate tradeline from XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) despite clear, verified evidence that it is invalid. The furnisher has already admitted in writing to the CFPB that the tradeline was an error and must be removed ( Exhibit A ). I also have a XXXX XXXX housing clearance showing a {$0.00} balance ( Exhibit B ). Despite these documents, all three bureaus continue to publish the tradeline as unpaid ( screenshots attached ). 

Legal violations : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Once a dispute is submitted, the agency must reinvestigate and correct or delete inaccurate information.

15 U.S.C. 1681c : Agencies must remove obsolete or inaccurate data.

Statutory remedies ( FCRA 1681n & 1681o ) : W
illful or negligent failure to comply exposes agencies to damages, punitive or statutory, and attorneys fees.

Reinsertion rules ( FCRA 611 ( a ) ( 5 ) ( B ) ) : If a deleted item is later reinserted, the agency must notify the consumer and document authenticity. Reinsertion without following that requirement is illegal. 


Requested resolution : 1. Immediately delete the XXXX. XXXX / XXXX XXXX tradeline from Experian, Equifax, and TransUnion consumer files within five ( 5 ) business days of receipt.

2. Provide me ( and CFPB ) written confirmation of deletion with the deletion da
te and name/title of approving official.

3. If any bureau claims verification, provide all documentation used to verify, including chain-of-custody, source records, and the name/ID of the person authorizing the verification.

4. Cease any further reporting of this tradeline unless substantial, primary-source documentation is obtained and provided in advance.

If deletion is not completed in five business days, I will seek all remedies under the FCRA, including statutory, actual, and punitive damages, and request immediate CFPB enforcement. 

Attachments : Exhibit XXXX XXXX  XXXX written admission to CFPB ; Exhibit B XXXX XXXX clearance ( {$0.00} ) ; Exhibit XXXX screenshots from Experian, Equifax, TransUnion showing the tradeline.

Company response to consumer: Closed with explanation