vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-08-11 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: CA

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-08-11 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-08-11 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: IN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
In XXXX and XXXX I did not meet the Title IV Federal Loan education prerequisites for the Federal Student Loan. The school 's admission representative misguided me at the enrollment meeting. The 36 years old loans were paid many years ago. I have now applied for Borrower Defense Relief. This issue is pending for review and could take up to 3 years for approval. Meantime the loans should be in forbearance status. I do not owe this debt. 

I believe I qualify for the Borrower Defense relief due to misconduct by XXXX XXXX XXXX. Approximately in XXXX, XXXX XXXX XXXX admission representative conduct misleads me by failing to inform the required prerequisites for the California XXXX XXXX XXXX XXXX license. The educational prerequisite is a High School diploma or the G.E.D. credentials. At the time of enrollment, I had an eighth-grade education. The admission representative conduct exhibited a false sense of urgency. That I needed to apply for financial aid, because this opportunity may not be available in the near future. And the admission representative said the Department of Education Student loans would pay for the programs tuition. I had no knowledge about a student loan and that I was required to repay loan. I did not meet the Title IV educational prerequisites for the Federal Student Loan. The high-pressure sales tactics cause me to enroll without all the necessary information for if this school best suits my needs. The admission representative stated that I could open my XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX and earn a substantial income. Because of the school statements and the omission to disclose the educational prerequisites for the XXXX XXXX  I suffered financially. I never opened my XXXX XXXX because of the shame of not having the required education for the XXXX  license or the knowledge on how to obtain the G.E.D. credentials. The admission representative took advantage of my lack of higher education by pressuring me to take the financial aid, that I had to make the decision now, rather than discussing enrollment tuition with my mother. The admission representative pressured me by declaring that the school limited spots for the XXXX XXXX XXXX due to its high demand, that I needed to act now. The financial harm for receiving financial aid led to wage garnishments, not receiving Federal tax refunds, not receiving State tax refunds, bad credit, collection agencies harassment, and not qualifying for future higher education student loans. The ongoing humiliation that the debt has now tripled, even though the loans were paid by wage garnishments, Federal tax refunds, State tax refunds, and payment arrangements. I had no knowledge of all the facts to consider if whether the school was right for me which then imposed shame and a great financial harm. The debt is paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
Equifax is inaccurately reporting a Charge-Off/Collection account from XXXX XXXX XXXX ( XXXX XXXX XXXX despite the furnishers failure to validate the debt under the FCRA and FDCPA. In Equifaxs reinvestigation, the only evidence provided were internal collector codes ( XXXX and XXXX ) with no signed contract, no itemized account ledger, and no proof of default notices. XXXX removed the same account after the furnisher failed to validate it. Equifaxs continued reporting violates FCRA 1681e ( b ), 1681i, and 1681n, as well as Illinois law. I request deletion and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-11 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: NJ

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting my credit report.These remarks have been detrimental to my life and credit health.

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 2025-08-11 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: TX

Complaint narrative:
I am filing this complaint to dispute an inaccurately reported late payment on my credit report. I have always paid this account on time and in full, and there has never been a valid reason for a late payment to be recorded. This reporting is incorrect, unfairly damaging my creditworthiness, and misrepresenting my payment history to potential creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NRA Group, LLC
State: GA

Complaint narrative:
I have never had a contract with the debt collector, NTL Recovery Agency. I request proof from the original creditor that this debt collector owns the debt and has the legal authority to collect it. Please provide validation that includes my signature. I have been receiving harassing phone calls stating that I need to appear in court, as well as text messages. I have no idea who this collection agent is.Who ever the original company is has sold my information to this collection agency and has been paid for this debt I have never received a 1099c form from the IRS

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 2025-08-11 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX  - XX/XX/year> XXXX  - XX/XX/year> As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent Capital Services XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Demand to Cease Communication & Validate Debt Resurgent Account XXXX XXXX XXXXXXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX. ( Acct ending XXXX ) Current Balance Claimed : {$1300.00} To Whom It May Concern : This letter is formal notice under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) to : 1. CEASE ALL COMMUNICATION with me regarding the above-referenced debt.

2. CEASE ALL CREDIT REPORTING of this account to any credit bureau. 

I dispute this debt in its entirety and demand validation as required by the FDCPA. No reporting may occur to any credit reporting agency until you provide full validation of the debts ownership, amount, and legal enforceability ( [ FCRA 623 ( a ) ( 8 ) ] * * Immediately take the following actions : * * Place this account " in dispute '' with all credit bureaus.

Remove all tradelines associated with this account ( Resurgent, LVNV Funding, or XXXX XXXX XXXX  ) from my credit reports. 
Confirm in writing within 30 days that : No further reporting will occur, and All existing reports have been deleted. 

Failure to comply violates federal law and exposes you to liability under the FDCPA ( up to {$1000.00} per violation ) and FCRA ( statutory/actual damages ). 

Do not contact me except to : Confirm cessation of collection efforts, or Provide proof of debt validation ( original contract, payment history, and proof of assignment ). 


XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
AS per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am I a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts.XXXX  Date Opened : XX/XX/XXXX Bureaus : TransUnion XXXX  Date Opened : XX/XX/XXXX Bureaus : TransUnion XXXX XXXX XXXX Opened : XX/XX/XXXX Bureaus : TransUnion XXXX XXXX  Date Opened : XX/XX/XXXX Bureaus : TransUnion XXXX  Date Opened : XX/XX/XXXX Bureaus : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180000.00} Bureaus : TransUnion XXXX 's Reprise

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: CA

Complaint narrative:
So a few years back, I opened an account with them and I never agreed to sign up for a future loan and make payments on it and I never agreed to be a part of the XXXX XXXX  and they literally put a {$2000.00} debt on my credit when I had messaged them multiple times saying I never authorize it and I want to cancel it and they didnt cancel it and its still on my credit bureau and I would just like to complain about that because its inaccurate and its making my credit go down.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MS

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 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 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief