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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$190.00} Inquiries : XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/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 2025-08-11 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and have discovered accounts and inquiries on my credit report that I did not authorize. 

Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these fraudulent items be blocked and removed from my file. 

Please send written confirmation once the deletions are complete.

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: 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: CA

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Experian, Equifax, and TransUnion regarding the accuracy of an account being reported by XXXX XXXX  ( account number ending in XXXX ). 

The credit bureaus responded stating the account was verified as accurate, but they did not provide any proof or documentation showing how this verification was done. 

On XX/XX/XXXX, I sent a Method of Verification request to each credit bureau under my rights in FCRA 611 ( a ) ( 7 ), asking for : 1. The name, address, and phone number of the person or entity they contacted.

2. The method used to contact them. 
XXXX. Copies of any documentation provided by XXXX XXXX  that was relied upon in verifying the account. 

As of todays date, the credit bureaus have not provided this information, nor have they removed the account. This is a violation of my rights under the FCRA, as they are required to conduct a reasonable investigation and disclose the method of verification upon request. 

I am requesting that the CFPB require the credit bureaus to : Provide full documentation of their verification process, OR Delete the XXXX XXXX  account from all of my credit files

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX  XXXX XXXX Balance : {$40.00} XXXX  XXXX Balance : {$380.00}

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 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management has been repeatedly contacted in writing for debt validation on an alleged account they are reporting to XXXX XXXX XXXX XXXX 
This account is in active dispute, yet they continue to report it without providing validation in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Timeline of events : XX/XX/year> First debt validation request sent via certified mail. 

XX/XX/year> Second debt validation request sent via certified mail. 

XX/XX/year> Third debt validation request sent via certified mail. 

XX/XX/year> Method of Verification request sent to XXXX 

XX/XX/year> CFPB complaint already filed regarding inaccurate reporting by XXXX. 

XX/XX/year> XXXX continued to report the alleged debt to all three credit bureaus despite the open CFPB complaint and lack of validation. 

XX/XX/year> Over 30 days since first request ; still no validation received.

Violations : Continued collection and reporting activity without providing validation as required under 15 U.S.C. 1692g ( b ).

Reporting disputed debt without marking it as disputed to the credit bureaus in violation of 15 U.S.C. 1692e ( 8 ).

Furnishing information to consumer reporting agencies that is inaccurate or can not be verified in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ).

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts. 
XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$280.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} XXXX/NC XX/XX/year> XXXX XXXX XX/XX/year>

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 2025-08-11 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:
Subject : Duplicate and inaccurate reporting of XXXX XXXX XXXX account Detailed description : I am reporting inaccurate and duplicate information in my credit report related to a single debt with XXXX XXXX XXXX. 

Detected errors : XXXX. Duplication in Equifax : Equifax reports XXXX separate accounts with the same creditor ( " XXXX XXXX XXXX '' ), with very similar amounts and opening and closing dates. 

This creates the appearance that I owe more than I actually do and negatively affects my credit score. 



XXXX. Mixed information in XXXX  : XXXX  shows a single account but includes data that corresponds to the XXXX different Equifax accounts, combining balances, dates, and payment statuses, which results in a confusing and potentially false history. 



XXXX. Inconsistencies in dates and balances : For several months, the reported balance remains identical and shows no changes even when additional charges or account closures are reported. 

This violates the requirement of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, that information must be accurate, updated, and verifiable. 



XXXX. Incorrect payment statuses : On certain dates, XXXX  reports the account as Account charged off / Never late, which is contradictory. 

An account can not be charged off and at the same time never late. 


Request : I request that this inaccurate information be investigated and corrected or removed from all credit bureaus. 

Attached evidence : Screenshots from XXXX  and Equifax showing inconsistencies, with relevant areas highlighted. 

A copy of my drivers license for identity verification.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if 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 2025-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, Experian began reporting a re-aged and unlawfully manipulated XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. The last payment on the account was made XX/XX/XXXX. In XX/XX/XXXX, the balance was first reassigned by National Recovery to an address ( XXXX XXXX XXXX ) that I occupied for only XXXX hours an address that was never a valid mailing address or forwarding location in order to reset the reporting window. Under 15 U.S.C. 1681c ( a ) ( 4 ) and 1681c ( c ), this account can not be legally reported beyond seven years from the date of first delinquency.

Subsequent collectors, including XXXX XXXX and XXXX XXXX, repeated the same misassigned address and false Date Opened entries, with XXXX XXXX now reporting XX/XX/XXXX. This is a clear and documented pattern of deceptive re-aging, address manipulation, and profile distortion in violation of the FCRA. The account is also misclassified in credit monitoring tools, further obscuring its nature and causing confusion. 

I provided Experian with full documentation proving these FCRA violations. Instead of lawfully investigating, Experian sent me a canned verified as accurate response with no supporting evidence and no meaningful review of my materials. This is a clear failure to conduct a reasonable investigation under 15 U.S.C. 1681i. Another bureau, TransUnion, reviewed the same materials and subsequently deleted this account from their reporting. Experians refusal to investigate has caused ongoing harm to my credit profile, including misclassification of the account in credit monitoring tools that mislead consumers about its nature.

Experian has no lawful basis to continue reporting what is demonstrably inaccurate. I demand immediate deletion of this account, restoration of my credit file, and full compliance with all FCRA requirements. Full evidence packet is attached. This complaint does not constitute an admission of liability or acknowledgement of any alleged debt.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, Equifax began reporting a re-aged and unlawfully manipulated XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. The last payment on the account was made XX/XX/XXXX. In XX/XX/XXXX, the balance was first reassigned by XXXX XXXX to an address ( XXXX XXXX XXXX ) that I occupied for only XXXX hours an address that was never a valid mailing address or forwarding location in order to reset the reporting window. Subsequent collectors, including XXXX XXXX and XXXX XXXX, repeated this misassigned address and inserted false Date Opened entries., with XXXX XXXX now reporting XX/XX/XXXX. This constitutes a clear, documented pattern of deceptive re-aging, address manipulation, and profile distortion in direct violation of the Fair Credit Reporting Act ( XXXX  ), including but not limited to XXXX U.S.C. XXXX ( a ) ( XXXX ), XXXX ( c ), and XXXX. 

I provided Equifax with full documentation proving these FCRA violations. Instead of conducting a reasonable investigation as required by XXXX U.S.C. XXXX,, XXXX  sent me a canned frivolous dispute notice a bad faith tactic that allowed them to avoid reviewing any of my evidence. This refusal to investigate has prolonged the harm to my credit profile, caused score suppression, and allowed false, misleading, and re-aged data to remain in my file. 

Another bureau, TransUnion, reviewed the same materials and subsequently deleted this account from their reporting. Equifax has had every opportunity to do the same and has willfully chosen not to. This refusal undermines the integrity of the credit reporting system and demonstrates a disregard for the legal rights of consumers and the FCRA. 

XXXX  has no lawful basis to continue reporting what is demonstrably inaccurate. I demand immediate deletion of this account, restoration of my credit file, and full compliance with all FCRA requirements. Full evidence packet is attached. This complaint does not constitute an admission of liability or acknowledgement of any alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
Mohela has charged my account interest during a 0 % forbearance. I have 2 statements 7 months apart that show on XX/XX/XXXX, my loans had been paid and were below the original balance. In another statement, XX/XX/XXXX, I have over XXXX dollars in interest added randomly to my account. Both statements show that I have a 0 % interest rate, yet my balanced increased during this time. I have reached out via phone, and filed complaints with Mohela on XX/XX/XXXX. My complaint via their website has not been reviewed, and on the phone Mohela representatives stated that my account will be corrected " at some point ''. This is an issue as due to interest rates beginning on XX/XX/XXXX, I am now being charged capitalized interest on that XXXX of random interest that was added to my account in XX/XX/XXXX. I would like Mohela to correct the balance, and stop charging me capitalized interest that according to the Federal Government, shouldn't have been charged in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX Original creditor XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$320.00} XXXXXXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$150.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( XXXX  ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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