vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I am disputing a charge-off/written-off account reported by XXXX XXXX XXXX on my credit report XXXX The account shows as closed with a {$0.00} balance and a {$24000.00} charge-off/written-off. XXXX has provided documentation including a Transfer of Ownership, statements, and a Retail Installment Contract, but has not provided the full original signed Purchase Agreement. Because the full Purchase Agreement is missing, the debt can not be fully verified under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). This account is now owned and serviced by XXXX XXXX XXXX XXXX XXXX.. I have already contacted XXXX to request full validation of the debt, but they have not provided the original Purchase Agreement either.

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 2025-10-13 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX 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 explanation
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
XX/XX/XXXX Under USC Sec 15 and FCRA 1681b, 1682, 1683, 1684, 1028g requirements these accounts that are not attached to my address or employment information must be verfieid and deleted immediately withing 30 days of receipt. 


The only address on file is XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX Equifax, XXXX  XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX and XXXX  report. 


Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX  stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$810.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$550.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$440.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$13.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
XXXX ( Student loan servicer ) has had my loans for years. They have been told by the federal government that my loans are to be discharged & refunded yet they do NOTHING. I have filed complaints with them, with FSA & now here. 
I received an email on XX/XX/year> stating my loans would be discharged & refunded as I went to XXXX XXXX from XXXX & the school was found fraudulent in a class action law suit. They have not communicated with me and when I call, they claim to know nothing. The letter from the FSA said we would be discharged & refunded within a few weeks, it is now 10 months later & I haven't heard anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AL

Complaint narrative:
This complaint demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy and is causing serious, ongoing harm to my life. I demand a full and immediate investigation into these errors and that each inaccuracy be corrected or removed without delay.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: AL

Complaint narrative:
I am writing to formally dispute the way my OppLoans account is being reported. It is unfair and misleading for OppLoans to extend a written settlement offer, which I paid in full as agreed, only to then report the account as paid in settlement while also reflecting an additional amount as written off. At no point in the agreement was I informed that a remaining balance would be reported in this manner after fulfilling the settlement terms. 

I have already disputed this with XXXX  and provided a copy of the settlement agreement, yet no correction has been made. I am requesting your assistance in ensuring that this account is reported accurately and fairly on my credit files, reflecting the true terms of the agreement that were honored in good faith. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: DISCOVER BANK
State: FL

Complaint narrative:
My discover account is under a debt consolidation company ( GRR ). My report isn't showing that the payments are being made. I do not know the credit card number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX, my vehicle financed through XXXX XXXX XXXX and later managed by XXXX XXXX XXXX was repossessed without any prior written notice. I never received a Notice of Default, Intent to Repossess, or Notice of Sale, which are required under XXXX  law ( O.C.G.A. XXXX and XXXX ). 

Despite the repossession, XXXX has continued to report inaccurate and unverified information to all three credit bureaus. The reported balance exceeds {$21000.00}, but XXXX has failed to provide validation or documentation proving how that amount was calculated or that they have the legal right to collect and report it. 

On XX/XX/XXXX, I mailed a certified Debt Validation and Cease Reporting Letter to XXXX XXXX XXXX requesting verification of the debt, a copy of the signed contract, a full accounting of the balance, and proof of lawful repossession and sale. They have not responded within the time allowed and have continued to report this account, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I am requesting that the CFPB require XXXX XXXX XXXX to : 1. Provide full validation and proof of debt ownership.

2. Remove or correct the inaccurate tradeline from all credit bureaus.

3. Cease any further collection or reporting activity until validation is provided.

I have attached supporting documentation including my certified mail dispute letter, tracking receipt, and copies of my credit reports showing the inaccurate and ongoing 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 explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
In XXXX, my vehicle financed through XXXX XXXX XXXX and later managed by XXXX XXXX XXXX was repossessed without any prior written notice. I never received a Notice of Default, Intent to Repossess, or Notice of Sale, which are required under Georgia law ( O.C.G.A. 11-9-611 and 11-9-614 ). 

Despite the repossession, XXXX has continued to report inaccurate and unverified information to all three credit bureaus. The reported balance exceeds {$21000.00}, but XXXX has failed to provide validation or documentation proving how that amount was calculated or that they have the legal right to collect and report it. 

On XX/XX/XXXX, I mailed a certified Debt Validation and Cease Reporting Letter to XXXX XXXX XXXX requesting verification of the debt, a copy of the signed contract, a full accounting of the balance, and proof of lawful repossession and sale. They have not responded within the time allowed and have continued to report this account, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I am requesting that the CFPB require XXXX XXXX XXXX to : XXXX. Provide full validation and proof of debt ownership. 
XXXX. Remove or correct the inaccurate tradeline from all credit bureaus. 
XXXX. Cease any further collection or reporting activity until validation is provided. 

I have attached supporting documentation including my certified mail dispute letter, tracking receipt, and copies of my credit reports showing the inaccurate and ongoing reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
In XXXX, my vehicle financed through XXXX XXXX XXXX and later managed by XXXX XXXX XXXX was repossessed without any prior written notice. I never received a Notice of Default, Intent to Repossess, or Notice of Sale, which are required under Georgia law ( O.C.G.A. 11-9-611 and 11-9-614 ). 

Despite the repossession, XXXX has continued to report inaccurate and unverified information to all three credit bureaus. The reported balance exceeds {$21000.00}, but XXXX has failed to provide validation or documentation proving how that amount was calculated or that they have the legal right to collect and report it. 

On XX/XX/XXXX, I mailed a certified Debt Validation and Cease Reporting Letter to XXXX XXXX XXXX requesting verification of the debt, a copy of the signed contract, a full accounting of the balance, and proof of lawful repossession and sale. They have not responded within the time allowed and have continued to report this account, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I am requesting that the CFPB require XXXX XXXX XXXX to : XXXX. Provide full validation and proof of debt ownership. 
XXXX. Remove or correct the inaccurate tradeline from all credit bureaus. 
XXXX. Cease any further collection or reporting activity until validation is provided. 

I have attached supporting documentation including my certified mail dispute letter, tracking receipt, and copies of my credit reports showing the inaccurate and ongoing 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
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/year>, my wife and I paid {$20000.00} to XXXX XXXX XXXX to pay off a car loan from our Ally checking account. 

A few days later, the same amount was withdrawn from our joint savings account and sent to a fraudulent XXXX  XXXX XXXX account in my wifes namean account neither of us opened. 

On XX/XX/year>, Ally issued a provisional credit for the fraudulent withdrawal. While we appreciated this, the account access issues continued. 

Impact and Issues Experienced : Access Denied : My wife was blocked from logging into her account, preventing her from seeing paychecks or managing bills. She has not had access for weeks at this point. I regained access temporarily but was locked out again. 

Communication Failures : We contacted Ally 3050 times during this process, often being put on hold immediately without actionable information. We received multiple conflicting answers from different representatives. 

Account Termination : On XX/XX/year>, my wife was informed that my Ally account/access has been terminated. We believe this may have been in response to expressing justified frustration over the handling of our fraud case. 

Effects on Our Lives : We were unable to manage our finances or pay bills securely. 

My wife and I could not verify incoming deposits, which directly impacted her ability to plan and budget. 

We have spent many hours attempting to resolve an issue caused by fraud, only to face restrictions and conflicting information. 

I can not attach files unfortunately as we still do not have access to login to Ally Bank. 

We also want to ensure they do not revoke the provisional credit that was due to the fraud.

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 2025-10-13 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: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 explanation
Consumer complaint received 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 explanation
Consumer complaint received 2025-10-13 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:
This account is not mine and is being reported inaccurately on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: IL

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 explanation
Consumer complaint received 2025-10-13 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: WA

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