vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I submitted formal credit disputes to TransUnion, Experian, and Equifax regarding multiple inaccurate and unverifiable items on my credit report. These included incorrect personal information, a charged-off account from XXXX XXXX XXXX XXXX unverifiable, a paid XXXX account that continues to report late payments, and unauthorized inquiries from XXXX and XXXX XXXX XXXX XXXX XXXX 

Despite citing specific FCRA laws and Metro 2 Compliance standards, the credit bureaus failed to : Remove outdated/inaccurate personal data ( FCRA 1681e ( b ) ), Delete unverifiable accounts with no original signed documentation ( FCRA 609 ( a ) ( 1 ) ), Remove misleading late payments on a paid account ( FCRA 1681i ( a ) ), Remove unauthorized inquiries with no permissible purpose ( FCRA 604 ( a ) ), Provide a valid method of verification ( FCRA 611 ( a ) ( 7 ) ). 

Their refusal to correct these violations is causing continued damage to my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I submitted formal credit disputes to TransUnion, Experian, and Equifax regarding multiple inaccurate and unverifiable items on my credit report. These included incorrect personal information, a charged-off account from XXXX XXXX XXXX XXXX unverifiable, a paid XXXX account that continues to report late payments, and unauthorized inquiries from XXXX and XXXX XXXX XXXX XXXX XXXX 

Despite citing specific FCRA laws and Metro 2 Compliance standards, the credit bureaus failed to : Remove outdated/inaccurate personal data ( FCRA 1681e ( b ) ), Delete unverifiable accounts with no original signed documentation ( FCRA 609 ( a ) ( 1 ) ), Remove misleading late payments on a paid account ( FCRA 1681i ( a ) ), Remove unauthorized inquiries with no permissible purpose ( FCRA 604 ( a ) ), Provide a valid method of verification ( FCRA 611 ( a ) ( 7 ) ). 

Their refusal to correct these violations is causing continued damage to my credit and financial standing.

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 2025-07-21 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: CO

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distressXXXX 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC
State: FL

Complaint narrative:
I am disputing inaccurate rental-related information being reported A rental collection account originally tied to XXXX XXXX/ XXXX appeared on my credit report, but it was successfully removed after investigation proving the debt was either inaccurate, not mine, or unverified. 

Despite this, your company appears to still report this or related tenant information, which is now negatively affecting my ability to secure housing. 

I have attached documentation that : Shows this account was removed from my credit reports ( XXXX ), Proves I was living at a different address during the entire time in question, and Confirms this debt or rental issue is not mine. 

This is a violation under the Fair Credit Reporting Act ( FCRA ), and I request immediate removal and full deletion from your system.

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 2025-07-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I am the cosigner for my XXXX  's student loans. She graduated XX/XX/XXXX. She has worked freelance work but lastly in XX/XX/XXXX. In XX/XX/XXXX, I was XXXX  XXXX. I contacted Sallie Mae and was given deferred payment till XX/XX/XXXX. After delaying speaking with them because of the way I was demeaned in XXXX by the representative I spoke to, I made the phone call to Sallie Mae on XX/XX/XXXX. I explained my situation of having XXXX XXXX XXXX XXXX XXXX XXXX, and speaking to XXXX representatives, then getting my XXXX  ( the borrower ) on the phone to repeat the questions and answers, we were told that " There is nothing we can do for you. '' They said that the loans were granted based on my credit and " there is nothing we can do for you. '' This makes no sense. We have nothing and don't plan being in this situation forever. We are trying to work with them even borrowing the minimum payment they insisted on before the loans go into default. We can't keep borrowing money that to pay back loans. We are seeking a deferment, anything at this tie.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the collection account listed under my name and request its immediate removal from my credit report. This debt resulted from a lost card tied to an account that was closed. I was not notified properly nor given a fair opportunity to resolve the issue before it was sent to collections.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full investigation into this matter. If you are reporting this item to any credit bureau, you are required to report only accurate, complete, and verifiable information. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request validation of this debt, including : 1. Proof I owe the debt.

2. Copy of any signed agreement or application.

3. Proof you are authorized to collect this debt.

If you can not fully validate the debt, you are required by law to cease all collection efforts and remove the account from any credit reporting agencies.

Given the account was tied to a lost card and closed account circumstances outside my control I request this collection account be removed from my credit file in full compliance with the law.

Please send written confirmation of the removal or validation within 30 days, as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On or around Wednesday XX/XX/XXXX, my phone was stolen. While it was out of my possession, a fraudulent transaction of {$1500.00} was processed through my Cash App account. The transaction was preceded by XXXX failed PIN attempts, which should have triggered a security hold. On XX/XX/XXXX, a {$30.00} transaction I attempted was flagged for security after a failed PIN proving Cash Apps systems are inconsistent and failed to protect my account during the {$1500.00} fraud. 

I have reported this to the FTC ( Report XXXX : XXXX ) and contacted Cash App support. They have denied my request based on the false claim that the device used was in my possession. It was not. I was the victim of theft, and I can provide supporting documentation, including my FTC report and a police report ( in progress ). 

I am seeking a full refund of the {$1500.00}, as this was not an authorized transaction and represents a major failure of Cash Apps fraud detection process. 

I am experiencing financial hardship due to this loss, and the funds in question were not mine to begin with I am urgently requesting intervention by the CFPB to recover the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
Re : Dispute of Inaccurate or Incomplete Information on Credit Report File Number : XXXX Dear Sir/Madam, I am writing to formally dispute certain items listed on my credit report that are inaccurate. I request that you investigate these items and remove them from my credit report as required by law.

The specific items I am disputing are as follows : 1. The list accounts below are showing on my credit report as being late or delinquent : These Statement are false and inaccurate, and under the Fair Credit Act Account Name Account Number Balance Monthly Payment DEPT OF XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4300.00} {$21.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7000.00} {$48.00} DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} {$11.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3900.00} {$21.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4300.00} {$24.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7900.00} {$45.00} DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$6000.00} {$32.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} I believe that this information is inaccurate and/or incomplete for the following reasons : [ Explain the inaccuracies or incomplete information ] Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that the information they report is accurate and complete.

If the information is found to be inaccurate or incomplete, the credit reporting agency must correct or delete it. In the case of Guimond v. TransUnion Credit Reporting, 45 F.3d 1329 ( 9th Cir. 1995 ), the court held that a credit reporting agency must act diligently in investigating disputes and correcting errors.

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 2025-07-21 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:
Late Payments : XXXX XXXX XXXX a ( XXXX ), XXXX XXXX XXXX Permissible Purpose : XXXX XXXX XXXX ; Responsibilities of Furnishers : XXXX XXXX XXXX ( XXXX ) XXXX Accuracy : XXXX XXXX XXXX ( b ) & XXXX XXXX XXXX ( XXXX ) ( a ) Verification : XXXX XXXX XXXX ( XXXX ) The presence of the inaccuracy due to XXXX and XXXX Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted XXXX agencies to assist me with this matter. I attest that I have not authorized or consented to the reporting or reinsertion of inaccurate or fraudulent information by TransUnion, nor have I received proper notice as required by the FCRA following the reinsertion or frivolous information of such data : XXXX. { XXXX XXXX XXXX. Account # XXXX : Balance : {$950.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXXXXXX XXXX Account # XXXX : Balance : {$520.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX XXXX Account # XXXX : Balance : {$0.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX XXXX Account # XXXX : Balance : {$380.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX, XXXX Account # XXXX : Balance : {$310.00}. Fraud Established : XX/XX/XXXX } I further assert that TransUnion has failed to provide a meaningful investigation or resolution in accordance with my rights under XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX XXXX. XXXX ( XXXX ) ( B ) ( ii )- ( iii ). I understand that this attestation is made in good faith and is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: CA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX. Account number XXXX. 

XXXX. Sent first request for information on debt on XXXX in response to XXXX XXXX letter dated XXXX XXXX. Sent second request for information on XXXX, after receiving second letter from XXXX recovery on XXXX that provided NO requested information from previous request for info. IN that second letter i sent i also submitted a cease and desist letter if they don't provide the requested information to prove debt. 
XXXX. State recovery again on XXXX sent the same bill with NO requested information attached. I sent another cease and desist letter on XXXX in response as well as a bill for {$2000.00} for the second violation pursuant to 15 U.S.C. 1692k ( a ) ( 2 ) ( A ) damages and attorneys fees have not been added.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: HI

Complaint narrative:
I am writing to formally dispute inaccurate late payment information reported on my credit file regarding the following account : Creditor Name : XXXX Star ( XXXX Airforce XXXX XXXX Account Number : * XXXX Date Opened : XX/XX/XXXX According to my records and the attached documentation, I believe the late payment entries for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( reported as 30 days past due ) are inaccurate and/or misreported. I have consistently made on-time payments and believe these delinquencies may be a reporting error or may have occurred during a time when I was in active communication with AAFES to resolve my account. 

Furthermore, both reports from Equifax and Experian show differing late payment entries and activity dates, raising concern about the accuracy and consistency of the reporting. The Fair Credit Reporting Act ( FCRA ) requires that all data furnished to credit bureaus must be accurate, complete, and verifiable. I am requesting the deletion or correction of the inaccurate late payment entries associated with this account. 

Please investigate this matter and provide the results of your findings. If the furnisher of the information can not verify the accuracy of these late payments, they must be updated removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Account open without my consent and sold to third parties. And was taken of my consumer report and returned months laters without proper investigations

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information. 

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information. 

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence RM has put information on my bureau without my authorization. The alleged amount is {$350.00} and the account number on the credit is XXXX. I do not know what this is and i do not know how long this has been on my credit report but i do know that it so showing negatively on there and i want to be removed.

Company response to consumer: Closed with non-monetary relief