vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am sending to formally dispute several inaccurate items appearing on my credit report. These inaccuracies have caused confusion and misrepresentation of my credit profile. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these unverifiable and misleading items permanently deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed some things on my credit report from all XXXX bureaus thats wasnt right which was my personal information. TransUnion sent me back a letter to verify that I was the XXXX distributing. So I called them and told them that it was me and that my credit report information was not accurate so they took a look at it and told me that it was verified and that it was correct so they ask me did I want a copy to see myself and I told them to send me XXXX and they did. I received copy XX/XX/year> in the mail mail and I look over it and multiple addresses were wrong on my credit report. XXXX and XXXX  never responded.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX AZ XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Information XXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to dispute inaccurate and/or incomplete information appearing on my credit report under the account listed below : Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Reported Status : Closed / {$1100.00} Written Off Status Updated : XX/XX/XXXX Upon reviewing my credit report, I found multiple discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( B ), and 611 ( A ) regarding accuracy, verification, and proper reporting. Specifically : The account shows a {$1100.00} charge-off but also lists a recent payment of {$680.00} as of XX/XX/XXXX, which suggests the account was paid or settled. 

The status remains Charge-off, even though the balance now reflects {$0.00}, which is misleading and may inaccurately impact my creditworthiness. 

I request verification of the charge-off date, as re-aging of delinquent accounts is prohibited under FCRA 605 ( a ). 

Therefore, I formally request that you : Conduct a full investigation into this account with the furnisher, XXXX XXXX XXXX / XXXX. 

Provide me with written verification and documentation of the accounts accuracy. 

Delete or correct any inaccurate, incomplete, or unverifiable information related to this account within 30 days, as required by law. 

Please send me the results of your investigation and an updated copy of my credit report once your review is complete. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX Enclosures : Copy of government-issued ID SSN 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 2025-11-04 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:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CBC Companies, Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Everything on my Credit Report is identity fraud. I explained to each company and they denied all disputes.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I was put in a forbearance in XX/XX/XXXX and also XX/XX/XXXX instead of being approved for {$0.00} payments that would have counted towards XXXX  payments. No actions were taken as I had no knowledge that I could have qualified for XXXX dollar payments until now. My loans were transferred from XXXX  to XXXX. There's not an option to select XXXX lenders on the next page but I do want to include both XXXX  and XXXX in this complaint if at all possible. 

Also, in XXXX, I should have qualified for {$0.00} payments, but instead had to start making payments of {$130.00}, which I could not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company 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 2025-11-04 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: NC

Complaint narrative:
I am sending to formally dispute several accounts on my credit report related to student loan accounts that are being reported inconsistently. The information reflected in my report does not accurately represent my payment history or balances. I am submitting this letter in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ) to ensure my credit file accurately reflects verified and truthful information. 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00} Date XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} Date XXXX DEPT OF EDUCATIONXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} Date XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3100.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have been disputing this collection account for well over 90 days with no verification received. 
Spring Oak Capital has failed to provide any written validation of the alleged debt, original creditor contract, or assignment details. 
This violates the FCRA and XXXX XXXX standards for data accuracy and furnisher responsibility. 
I request immediate removal of this account for failure to investigate and verify as required under FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding multiple student loan accounts that have been reported inaccurately on my credit report. These accounts began showing XXXX late payments without any prior notification from the servicer. I have been disputing these accounts since XX/XX/year>, and to this day, there have been no updates, corrections, or proper investigation results from any of the credit bureaus. 

Dept. of Education / Nelnet Account # XXXX {$4400.00} ( Late Payment ) Dept. of Education / Nelnet Account # XXXX {$7500.00} ( Late Payment ) Dept. of Education / Nelnet Account # XXXX {$3500.00} ( Late Payment ) Dept. of Education / Nelnet Account # XXXX {$2000.00} ( Late Payment ) Dept. of Education / Nelnet Account # XXXX {$2200.00} ( Late Payment ) Dept. of Education / Nelnet Account # XXXX {$1700.00} ( Late Payment ) Dept. of Education / Nelnet Account # XXXX {$4800.00} ( Late Payment ) Dept. of Education / Nelnet Account # XXXX ( Late Payment ) The late payments in question appeared after the federal deferment and forbearance programs were unexpectedly ended. 

I was never notified that the deferment or payment pause had been canceled, and as a result, I was placed into a delinquent status without proper notice or an opportunity to make payments before negative reporting occurred. 

This is a XXXX XXXX factual dispute under the Fair Credit Reporting Act ( FCRA ). The information being reported is inaccurate, incomplete, and misleading under FCRA XXXX and XXXX. 

My student loan servicer failed to provide timely or written notice before reporting negative information, and the credit bureaus have failed to conduct a proper reinvestigation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
XXXX XXXX XXXX XXXX  is furnishing completely fabricated account timeline data to all XXXX  XXXX  credit bureaus, reporting an account that was allegedly opened and closed on the XXXX XXXX yet shows 11 years of subsequent activity. 
Account Details : Account Number : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( XXXX XXXX  ) High Credit : {$30000.00} accumulated in " XXXX days '' Last Payment : XX/XX/XXXX ( 5 years after same-day closure ) Reporting continues through XXXX ( 11 years after one-day existence ) The Violation : This reporting defies the most basic logic : An account can not accumulate {$30000.00} in debt on the same day it opens and closes A consumer can not make payments 5 years after a same-day account closure This account could not have legitimately existed long enough for any activity This represents the most egregious re-aging and data fabrication I have encountered. XXXX has " verified '' this absurd timeline multiple times despite repeated disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the inaccurate late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-04 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: WV

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2025, I submitted a payment to Regional Acceptance Corporation ( RAC ) for my auto loan. RAC sent me an email saying the payment was XXXX. On XX/XX/2025, the payment never posted to my bank account. So I submitted another payment and the same exact thing occurred, no payment posted yet they said it was okay in the email. On XX/XX/2025, I submitted the payment again and called RAC and talked to a gentleman named XXXX who said it was my fault despite evidence of the contrary. I told him that I would file a complaint with the Texas Attorney General about bad business practices. RAC did a similar thing in XXXX of XXXX and I had filed a complaint with the Texas Attorney General then as well. Apparently, RAC does not care about what the Texas Attorney General has to say and even scolded me over the phone for complaining to the Texas Attorney General.

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