vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
am filing this complaint regarding XXXX XXXX XXXX XXXX due to serious violations of the Fair Credit Reporting Act ( FCRA ), retaliation, defamation, and the use of threats outside their legal authority. 
XXXX XXXX received my direct dispute regarding an identity-theft account. Instead of completing a lawful and reasonable investigation or providing documentation, they sent me a retaliatory letter claiming they found no evidence of identity theft while refusing to provide validation. 
Their representative then threatened to forward my personal information to the XXXX XXXX Sheriffs Office and suggested I may have filed a false police report. This is a direct violation of 15 U.S.C. 
1681s2 ( a ) ( 6 ), which prohibits furnishers from retaliating or making accusations against a consumer who submits an identity theft report. 
XXXX XXXX is : Reporting an unverifiable account. 
Failing to provide validation or documentation. 
Retaliating with threats of criminal accusations. 
Attempting to classify future disputes as frivolous to block lawful disputes. 
Their letter is attached as evidence of retaliation, misconduct, and noncompliance. 
I am requesting CFPB intervention and enforcement, removal of the fraudulent account, and penalties for XXXX XXXX willful FCRA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
am filing this complaint regarding XXXX XXXX XXXX XXXX due to serious violations of the Fair Credit Reporting Act ( FCRA ), retaliation, defamation, and the use of threats outside their legal authority. 
XXXX XXXX received my direct dispute regarding an identity-theft account. Instead of completing a lawful and reasonable investigation or providing documentation, they sent me a retaliatory letter claiming they found no evidence of identity theft while refusing to provide validation. 
Their representative then threatened to forward my personal information to the XXXX XXXX Sheriffs Office and suggested I may have filed a false police report. This is a direct violation of 15 U.S.C.

1681s2 ( a ) ( 6 ), which prohibits furnishers from retaliating or making accusations against a consumer who submits an identity theft report. 
XXXX XXXX is : Reporting an unverifiable account. 
Failing to provide validation or documentation. 
Retaliating with threats of criminal accusations. 
Attempting to classify future disputes as frivolous to block lawful disputes. 
Their letter is attached as evidence of retaliation, misconduct, and noncompliance. 
I am requesting CFPB intervention and enforcement, removal of the fraudulent account, and penalties for XXXX XXXX willful FCRA violations

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 2025-11-26 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: PA

Complaint narrative:
I am filing this complaint because my credit report contains late payment remarks that are misleading, inaccurate, and not supported by any valid records. These late remarks do not reflect my actual payment history and are causing significant harm to my credit standing. Despite my consistent efforts to maintain my accounts in good standing, the credit bureaus and the furnisher have reported derogatory information that is factually incorrect and does not align with my records. This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), which requires maximum possible accuracy, and 611 ( a ), which requires reinvestigation of disputed information. 

I have attempted to resolve this issue directly with the credit bureaus, but the inaccurate late remarks remain. These false delinquencies create a misleading profile of my creditworthiness and have already affected my ability to obtain favorable credit terms. I am requesting the CFPBs assistance in ensuring that the credit bureaus and the furnisher comply with federal law and correct or remove all inaccurate information. 

XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion and Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-26 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: VI

Complaint narrative:
I am reporting multiple inaccuracies on my credit report regarding several accounts that are being displayed incorrectly. These accounts were previously paid, closed, or settled, yet they continue to be reported with derogatory remarks that are not consistent with their actual status. I contacted the company and requested verification and correction of these items, but the reporting has not been updated. 

The following accounts are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX still showing repeated late payments and charge-off remarks, even though these accounts have been resolved and should no longer display ongoing delinquency patterns. 

XXXX listed as a collection account with derogatory statuses even though the balance is not valid and the account should not be reporting as an open collection. 

XXXX XXXX XXXX XXXX continues to report negative statuses ( unpaid, loss, charge-off, collection ) that are not accurate based on the current standing of the account. 

These derogatory remarks appear across multiple bureaus ( Equifax, Experian, and TransUnion ), and some of the negative data is inconsistent between the bureaus, which indicates that the information is not being verified accurately as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB assist in having these accounts properly investigated and corrected so that only accurate, complete, and verifiable information is reported. I simply want the information to reflect the true, updated status of these accounts.

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 2025-11-26 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: VI

Complaint narrative:
I am reporting multiple inaccuracies on my credit report regarding several accounts that are being displayed incorrectly. These accounts were previously paid, closed, or settled, yet they continue to be reported with derogatory remarks that are not consistent with their actual status. I contacted the company and requested verification and correction of these items, but the reporting has not been updated. 

The following accounts are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX still showing repeated late payments and charge-off remarks, even though these accounts have been resolved and should no longer display ongoing delinquency patterns. 

XXXX listed as a collection account with derogatory statuses even though the balance is not valid and the account should not be reporting as an open collection. 

XXXX XXXX XXXX XXXX continues to report negative statuses ( unpaid, loss, charge-off, collection ) that are not accurate based on the current standing of the account. 

These derogatory remarks appear across multiple bureaus ( Equifax, Experian, and TransUnion ), and some of the negative data is inconsistent between the bureaus, which indicates that the information is not being verified accurately as required under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB assist in having these accounts properly investigated and corrected so that only accurate, complete, and verifiable information is reported. I simply want the information to reflect the true, updated status of these accounts.

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 2025-11-26 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: MI

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: CA

Complaint narrative:
In early XXXX, a 90-day late payment was reported to my credit file by my student loan servicer. I acknowledge the payment was missed, but it occurred during a time when federal student loans had recently been paused due to government action, and there was ongoing public discussion around potential forgiveness. This created confusion about whether payments were expected or required, especially for smaller balances. 

At the same time, I had changed email addresses and did not realize my loan statements and notices were no longer reaching me. The balance due was just over {$30.00}. As soon as I became aware of the missed payments and the impact it had on my credit score ( which dropped from XXXX to XXXX ) I immediately paid the full amount and made an additional payment of {$810.00} to show good faith. I also enrolled in automatic payments to ensure this doesnt happen again. 

Ive maintained perfect payment history for over six years on multiple financial obligations, including credit cards, a car loan, and rent. 

I am not disputing the factual accuracy of the late payment, but Im asking for a review of this situation based on fairness and the corrective actions taken.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports from the three major credit bureaus. I believe these accounts are inaccurately reported and request that they be investigated and corrected accordingly. Below are the details of the accounts in dispute, separated by bureau : Charged Off Accounts : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-26 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding certain accounts that have been inaccurately reported on my credit file. Below are the details of the accounts in dispute, separated by each credit bureau : CHARGED OFF XXXX XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit 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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a consumer attempting to repair my credit and dispute the following accounts listed below. I kindly request that you review and investigate these items for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). Please find the details for each bureau separated below. 

Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Inquiries XXXX  Date : XX/XX/XXXX Late Payment XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I recently discovered that an Optum Bank HSA was opened in my name around XXXX when I was employed by XXXX. I did not open this account, did not authorize its creation, and did not receive any HSA card, login access, correspondence, or account statements. I had no knowledge that the account existed until XXXX. 

Optum has confirmed that they later closed the account after detecting signs of potential fraud. Approximately {$11000.00} appears to have been taken from the account, but I am requesting full documentation to determine the exact amount. 

Because I never created or authorized this account, this is an identity theft case. I am requesting : 1. Full transaction history.

2. All account-opening records, including how Optum verified the identity of the person who opened it.

3. Explanation of why the account was closed and what fraud indicators Optum found.

4. A formal investigation and written findings.

5. Restoration of all funds removed from the fraudulent account.

I have notified Optum Bank through their fraud department and requested a case number. I have also filed an identity theft report with the FTC and placed a freeze on my credit. I am requesting the CFPBs assistance to ensure Optum fully investigates and provides all required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: WI

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report. The accounts listed below contain inaccurate information and I request that they be reviewed and corrected accordingly. 

Charged Off 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

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 2025-11-26 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation