vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 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 submitting this complaint because there are inaccurate or unverifiable items being reported by the three major credit bureaus. I am requesting a full investigation and correction/removal of these items as required under the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts No charged-off accounts listed for TransUnion at this time .

Inquiries I dispute the following inquiries as unauthorized or inaccurate : XXXX XXXX, XXXX XXXX XXXX, XXXX Please verify these inquiries and remove them if they can not be substantiated. 

Positive Accounts Please ensure all positive accounts are accurately reported : ( Same list as above under XXXX  Positive Accounts ) Late Payments No late payments listed for TransUnion at this time.

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 2025-12-28 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: AZ

Complaint narrative:
This is now my fifth complaint against Equifax, and despite repeated disputes spanning well over 90 days, Equifax continues to close complaints without conducting a lawful investigation. Equifax claims it verified multiple accountsincluding XXXX XXXX XXXX XXXX XXXX XXXX and XXXX provides no documentation whatsoever to support those determinations. Instead, Equifax relies on vague statements that the items belong to me, which is not verification under the FCRA. Ownership is not the issueaccuracy, completeness, and verifiability are. Equifaxs response also improperly shifts responsibility by claiming I failed to provide a specific creditor grantor, despite those accounts being clearly identified by name and account number in my dispute. This pattern mirrors Equifaxs long-documented failures that led to the XXXX  data breach, where the company admitted it failed to secure consumer data and allowed inaccurate information to persist. Given Equifaxs history of data breaches, regulatory enforcement actions, and consumer harm, I have legitimate reason to question the integrity of the information being reported on my credit file. Equifaxs continued reliance on automated furnisher responses, failure to independently verify late payments and charge-offs, and repeated closure of complaints without producing payment histories, billing statements, or account-level proof demonstrates willful noncompliance, not a good-faith investigation. After five complaints and months of disputes, Equifaxs conduct shows a systemic failure to follow the Fair Credit Reporting Act.Because Equifax has failed to conduct a reasonable reinvestigation and continues to report information it can not verify, the only lawful resolution is : Immediate deletion or correction of the disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX tradelines Removal of any inaccurate charge-off or late payment reporting Written confirmation of the investigative steps and corrective action taken This request is mandated under : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Unverifiable information must be deleted FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to disclose verification procedures FCRA 607 ( b ) Failure to assure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known or should be known to be inaccurate Metro 2 Reporting Standards Require accurate, consistent, and verifiable account data Equifaxs continued closure of complaints without proper investigation warrants CFPB supervisory review and enforcement action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TaxServ, LLC
State: VT

Complaint narrative:
What happened A collection agency is attempting to collect a Connecticut municipal motor vehicle tax debt that I have formally disputed. The underlying tax assessment is incorrect because the vehicle did not have tax situs in Connecticut during the years being billed. 

I moved to Vermont in XXXX, and the vehicle has not been stored, garaged, or used in Connecticut since that time. The vehicle was placed into storage in Vermont and remained unused until it was recently registered in Vermont in XXXX. Despite this, the XXXX of XXXX XXXX, CT assessed motor vehicle taxes for years when the vehicle was not physically located in Connecticut. 

I am actively disputing the assessment with the XXXX XXXX XXXX XXXX, yet the collection agency continues collection activity. I have asked them to stop all communication in this matter on more than XXXX occasion. 

Why this is a problem The debt is disputed and subject to an ongoing situs challenge. 

The collector has not provided adequate validation establishing that the vehicle had situs in Connecticut. 

Attempting to collect a disputed municipal tax without proof of situs constitutes misrepresentation of the legal status of the debt under the FDCPA. 

Continued collection while the debt is disputed is unfair and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax previously deleted this account and has illegally reinserted it multiple times. Equifax is now blocking my ability to dispute online by marking the account as dispute not available, which violates my rights under FCRA 611.

Equifax failed to provide certification of accuracy and written notice within 5 business days as required by FCRA 611 ( a ) ( 5 ) ( B ). I am requesting immediate permanent deletion and a reinsertion block.

Continued reporting constitutes willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: VA

Complaint narrative:
I am filing this CFPB Complaint to report 8 separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : 1. XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
2. XXXX  on XX/XX/XXXX under the account number XXXX. 
3. XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX. 
4. XXXX  on XX/XX/XXXX under the account number XXXX. 
5. XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-12-28 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: VA

Complaint narrative:
I am filing this CFPB Complaint to report 8 separate accounts appearing on my consumer credit report which I do not recognize as reported and which are the result of a data breach. These accounts include : 1. XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
2. XXXX  on XX/XX/XXXX under the account number XXXX. 
3. XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX. 
4. XXXX  on XX/XX/XXXX under the account number XXXX. 
5. XXXX on XX/XX/XXXX under the account number XXXX. 
These accounts have resulted in several hard inquiries and collections appearing on my consumer credit report. I demand that the aforementioned items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-12-28 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: NY

Complaint narrative:
I am disputing the following accounts with TransUnion due to inaccurate reporting of balances, dates, and/or account statuses : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-12-28 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:
I am writing to dispute several inquiries that have been made on my credit report. Below is a detailed list of the inquiries in dispute, separated by each credit bureau. 

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 2025-12-28 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Inquiries : No inquiries listed for TransUnion. 

Late Payments : I am disputing the following late payment entries across all bureaus : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-12-28 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: SC

Complaint narrative:
Equifax continues to publish false and unverifiable information in my consumer file. Instead of addressing the specific inaccuracies I reported, Equifax responded with generic language and did not correct the issues. The most recent disclosures show continued use of phone numbers that do not belong to me as a basis for verifying accounts and activity. 

Both XXXX XXXX and XXXX XXXX have confirmed that the numbers ending in XXXX, XXXX, XXXX, and XXXX are fraudulent and not associated with me. Despite this confirmation, Equifax still allows furnishers to validate disputed accounts and inquiries using these numbers, which results in inaccurate information remaining in my file. I have asked Equifax to block and remove all items tied to these numbers, yet the disputed entries remain in place. To be clear, I am asking Equifax to follow the FCRA and remove accounts that are UNVERIFIABLE and are the products of unauthorized & fraudulent account creation. Returning an account as VERIFIED after notice and undisputed PROOF that the items being used to Verify the account ( phone number ) does not belong to the Consumer is far from FCRA complaint. Please remove numbers and accounts and provide me with an updated consumer report absent of these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXXXXXX 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 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
In last XX/XX/XXXX I paid {$3900.00} to Mohela XXXX XXXX Provider which was not posted for 7 days I thought it didn't go through due to some glitch, I again paid due balance {$3900.00}. After a couple of days, both amounts were posted. I call the customer service for the overpayment. They informed it will be processed in 30 days and refund will be electronically transferred. I'm still waiting for the refund, and no definite date given, they reply that it will be done by XXXX Treasury.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-28 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: VA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent information being reported on my Equifax credit file. 

Address Discrepancies : Equifax lists my previous addresses as : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX CT XXXX VA XXXX However, these addresses appear inconsistently across bureaus and should be verified for accuracy and properly matched to my correct identifying information. 

Charged-Off Accounts in Dispute : The following accounts are being reported inaccurately or contain incomplete information and are under dispute : CAPITAL XXXX Account # XXXX Charged off XX/XX/XXXX {$0.00} balance EXETER FIN Account # XXXX Charged off XX/XX/XXXX {$0.00} balance XXXX XXXX Account # XXXX Charged off XX/XX/XXXX {$180.00} balance These accounts either list incorrect balances, statuses, or dates. I request that Equifax investigate and verify the accuracy of each account and remove or correct any inaccurate data in accordance with the FCRA. 

Hard Inquiries to Review : The following inquiries are being disputed for accuracy or permissible purpose : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please verify that these inquiries were authorized and remove any that were not. 

Late Payment Reporting : The following accounts appear to have late payments reported inaccurately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please review payment history for accuracy and update accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: OK

Complaint narrative:
XXXX XXXX XXXX offers you a XXXX dollar credit limit but the card actually comes with a XXXX credit limit and you have to add XXXX dollars of your own funding. They submit the report with utilized credit immediately to the bureaus. If your caught up with that XXXX limit, it's not reported and once it report, the bureaus add a few points. XXXX  XXXX continuously report a bad response to all bureaus that causes your score to drop at least 3 to 5 times within a 30 day period. The bureaus allows it. That's illegal especially if I had to pay XXXX towards XXXX to make it a XXXX limit. The app rate should not be based on XXXX limit.

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 2025-12-28 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: OK

Complaint narrative:
XXXX XXXX XXXX offers you a XXXX dollar credit limit but the card actually comes with a XXXX credit limit and you have to add XXXX dollars of your own funding. They submit the report with utilized credit immediately to the bureaus. If your caught up with that XXXX limit, it's not reported and once it report, the bureaus add a few points. XXXX  XXXX continuously report a bad response to all bureaus that causes your score to drop at least 3 to 5 times within a 30 day period. The bureaus allows it. That's illegal especially if I had to pay XXXX towards XXXX to make it a XXXX limit. The app rate should not be based on XXXX limit.

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 2025-12-28 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information on my credit reports that I believe to be inaccurate. Below is the breakdown of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX XXXX  - XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX XXXX - XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Late Payments : XXXX XXXX XXXX - Account Number : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: DC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : No charged-off accounts listed for Experian. 

Inquiries : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXXXXXX 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 2025-12-28 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:
I am writing to formally dispute the accuracy of the information reported by the credit bureaus regarding my credit report. Below are the accounts that are being disputed : Charged Off Accounts : XXXX, XXXX, XX/XX/year>, {$0.00} XXXX, XXXX, XX/XX/year>, {$970.00}

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 non-monetary relief