vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: AZ

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 2025-09-23 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MO

Complaint narrative:
Edfinancial is reporting my federal student loans inaccurately. According to my credit report : In XX/XX/year>, the accounts are shown as Current. 
In XX/XX/year>, the same accounts suddenly show as 90 days late. 
This reporting is factually impossible. An account can not be reported as both current in XXXX and 90 days late in XXXX, because XXXX delinquency requires missed payments in XXXX, XXXX, and XXXX. 
I have attached documentation ( XXXX statement showing the loans were current, plus proof of payment history ). 
Why This Is Harmful These false late payments have severely damaged my credit score.

I already disputed with the credit bureaus, but they returned the account as accurate without resolving the contradiction.

This violates the Fair Credit Reporting Act ( FCRA ), as Edfinancial failed to report complete and accurate information and failed to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I paid off most of the balance of the card for them to decrease my credit limit a day later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing the fraudulent accounts currently appearing on my credit report. These accounts were not authorized, initiated, or opened by me, and I have no connection to them whatsoever. Their reporting constitutes a false and damaging representation of my financial history, undermining the accuracy and fairness that must be upheld in consumer credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the accuracy of the bankruptcy currently being reported on my credit file. XXXX  has already completed its investigation and removed this bankruptcy from my credit report after determining it to be invalid and unverified. 



Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate, verifiable information. Because another national credit bureau has already determined that this bankruptcy is not valid or verifiable, continuing to report it violates my rights under the FCRA. 



I therefore demand that you : Conduct a prompt reinvestigation of the bankruptcy item on my file ; Delete this inaccurate bankruptcy record from my credit report immediately ; Provide me with written confirmation of the deletion and an updated copy of my credit report upon completion.

If this matter is not corrected promptly, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and other regulatory authorities. 



Attached for your review is a copy of my XXXX report showing the deletion of the bankruptcy. 



Thank you for your immediate attention to this matter.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint and Request for Debt Validation Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate and unverified information appearing on my credit profile. The debt in question is reported under the name XXXX [ insert account number or reference if available ]. 
I dispute this information and request full validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please note that validation is not the same as verification. For compliance, the reporting party must provide documented evidence proving that this debt belongs to me and that they are legally authorized to collect it. 
If the debt can not be validated, I respectfully request that it be removed from my credit profile to ensure the accuracy and integrity of my consumer report. 
I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and I am now seeking the XXXX assistance to ensure my rights as a consumer are upheld. 
Thank you for your time and prompt attention to this matter. Please confirm receipt of this complaint and provide guidance on the next steps. 
Sincerely, 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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the fraudulent accounts that have been wrongfully reported under my credit profile. These accounts were not initiated by me, and I have no knowledge, involvement, or responsibility for them. Their inclusion is harmful, misleading, and paints a completely false picture of my 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 non-monetary relief
Consumer complaint received 2025-09-23 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: NM

Complaint narrative:
XXXX accounts on my credit report appear to contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these accounts be reviewed, and if verification can not be provided, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX the balance due for my XXXX mortgage was in the process of being forgiven but then that loan servicer, XXXX XXXX, closed its business without forwarding any information to me of where my loan was transferred or if my loan was closed. I tried in vain to find out from the lender over the years. Earlier this year, XXXX, XXXX XXXX, was hired to locate the loan servicer. They tracked this chain of transfers : My loan went from XXXX XXXX to XXXX and then per the XXXX system is was with NewRez per XX/XX/XXXX XXXX  records. The NewRez recovery team told XXXX XXXX that the loan was assigned to them but it never arrived from XXXX and that it was closed out while at XXXX. I then tried myself by speaking with NewRez customer service on XX/XX/XXXX and also with the new lender, XXXX XXXX. Our loan also had been transferred from the original lender, XXXX XXXX XXXX, to XXXX XXXX XXXX XXXX I then continued email correspondence with both the lender, XXXX XXXX, and with the NewRez loan servicer only to be told there is no record of our loan. I certified mailed Notice of Errors to each the lender and the NewRez loan servicer. Then suddenly the XXXX XXXX on XX/XX/XXXX showed a different loan servicer, XXXX XXXX ( XXXX Shellpoint ). I spoke with XXXX departments at Shellpoint and each stated that they do not have my loan. Note : Shellpoint is part of the NewRez family of companies. I have certifed mailed a letter to Shellpoint and am awaiting a reply. I was told by XXXX XXXX and by XXXX at Shellpoint XXXX XXXX XXXX that they searched in every possible way to find that there is no record of my loan. It has now been over XXXX  years with no correspondence of any kind from the lender or the loan servicers. There has been no acknowledgement if the loan balance was forgiven and there has been XXXX XXXX provided for payments if any are due. I am asking for the XXXX  to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOHELA
State: SC

Complaint narrative:
The amount that is on my credit report for them is XXXX and XXXX for XXXX but I never recieved the loan for the school XXXX  to me having a car accident and having to withdraw, I understand that I have to pay XXXX percent which is XXXX so my understanding is why am I being charged basically for XXXX loan payments from them

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all information must be accurate, complete, and verifiable. I request that these entries be investigated, and if they can not be fully confirmed, they should be updated or deleted.

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nathan & Nathan, P.C.
State: TN

Complaint narrative:
I am disputing a XXXX credit card account ending in XXXX with a balance of approximately {$6000.00}. This account was used fraudulently by my abusive ex-partner during a period of documented domestic XXXX and financial abuse. 

I submitted a police report documenting the financial abuse to XXXX, but they refuse to acknowledge the fraud. Instead, they continue to report the account as valid and accurate to the credit bureaus. On XX/XX/year>, XXXX sent me a letter dismissing my dispute, despite being provided with clear fraud evidence. 


I also have recorded phone calls with XXXX representatives and with Nathan & Nathan, P.C., the law firm currently suing me for this debt. In these calls, I clearly informed them of the fraud, provided details about the abuse, and referenced the police report. Despite this, XXXX continues reporting the account, and XXXX XXXX XXXX continue collection activity, including litigation. 

These actions violate multiple consumer protection laws : FCRA ( 15 U.S.C. 1681s-2 ( b ) ) : XXXX, as a furnisher, failed to conduct a reasonable investigation after being notified of the dispute and provided with a police report. 

FDCPA ( 15 U.S.C. 1692e and 1692f ) : XXXX XXXX XXXX continues to attempt collection on a debt after being notified that it is fraudulent and subject to a police report. 


This has caused me severe emotional distress, XXXX  XXXX, and ongoing harm to my credit profile, despite following proper dispute procedures.

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 2025-09-23 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 a victim of identity theft. On XX/XX/year>, TransUnion received my complete 605B identity theft package, including my FTC Identity Theft Report ( # XXXX ), a valid police report filed on XX/XX/year>, government-issued ID, proof of address, and my written statement identifying the fraudulent accounts. Despite this, TransUnion sent me a letter falsely claiming that my police report was not valid, even though both the police report and FTC report number were included as required by law. TransUnion then reinserted fraudulent accounts that must be permanently blocked and deleted within 4 business days under 605B. On XX/XX/year>, TransUnion received my attorneys final demand letter, which they disregarded. On XX/XX/year>, their representative admitted they had the letter but stated they would take 30 days to investigate and would share my information with the furnishers, even referring me back to the creditors. This conduct is unlawful because under 605B, reinvestigation, misclassification, and reinsertion are not permitted, and furnisher verification is irrelevant once proper identity theft documentation is provided. By refusing to block and delete the fraudulent accounts, ignoring valid legal documents, dismissing my attorneys final demand, and instead siding with furnishers, TransUnion is violating my privacy, disregarding federal law, and showing clear bias against me as the fraud victim.

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 2025-09-23 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: CA

Complaint narrative:
This account has been paid in full, yet the report has not been updated.

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 2025-09-23 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: AZ

Complaint narrative:
I am disputing fraudulent accounts reflected on my credit report. These accounts are not mine and were not authorized in any way. Their presence misrepresents my financial history, damages my creditworthiness, and violates my right to accurate 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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I request a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

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 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: MI

Complaint narrative:
XXXX'On XXXX XXXX XXXX i submitted a dispute requesting validation and ownership of debt, on XXXX XXXX XXXX i received correspondence that included a copy of contract from the original debtor not including payments previously made and a letter from collector only stating a reference number, contact info and a payment coupon with no amount stated. I try reaching collector on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive try reaching them again at XXXXI  obtained contact email from companys response on previous complaint made on XXXX where it stated resending validation debt but has fail to do so. It has been impossible to reach collector XXXXI ask that this is deleted from my credit records as you there has been many violations of the fair debt collection practices act.XXXXFailed to provide proper debit validation with in the XXXX day period, failed to provide correct amounts, ownership of debt and failed to inform of consumers right to dispute collectionXXXXOriginal collection cut complete communication, discontinue treatment and suggested to seek treatment elsewhere, making them liable of contract breach.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 identity 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 " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable 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 purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than XXXX 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 explanation