vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX [ Todays Date ] To Whom It May Concern : Re : Account XXXX XXXX | Acct. Opened : XX/XX/XXXX | Highest Balance : {$26000.00} Dear XXXX XXXX, I am writing to formally dispute the accuracy of the reported late payments on my account referenced above. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), furnishers of information are required to report complete and accurate information. Furthermore, per XXXX U.S.C. XXXX ( formerly XXXX ), I have the right to request the correction or removal of information resulting from errors, misreporting, or circumstances such as identity theft or verified inaccuracy. 

My payment history has not been accurately reported for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX These months are showing as late payments, despite having been made on time or otherwise not reflecting my accurate repayment activity. According to your own reporting, XXXX XXXX of my payments have been timely, and this account is currently in good standing with over XXXX XXXX of the loan paid off. 

These inaccuracies are negatively impacting my credit profile and do not reflect my responsible payment history. I respectfully demand the immediate correction of the above-listed months from late to paid on time to ensure compliance with federal reporting standards. 

I request confirmation that the corrections have been made and that all XXXX major credit bureaus ( XXXX XXXX and TransUnion ) have received the updated information. Please be advised that failure to correct this reporting error may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please process this request promptly and confirm receipt in writing. I expect this matter to be resolved within the XXXX investigation period as outlined under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-06-30 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-06-30 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have an account through Jefferson Capital System that has appeared on my XXXX XXXX XXXX XXXX credit reports. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my credit reports or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Inquiries and Accounts Dear Sir/Madam, I am writing to formally block the presence of fraudulent accounts that have been reported on my credit file. Upon reviewing my credit report, I have identified several items that I believe are the result of fraudulent activity and do not reflect my actions. 
The specific items I am disputing are as follows : Fraudulent Accounts XXXX XXXX  Account number XXXX Open Date XX/XX/XXXX Status Closed XXXX Account number XXXX XXXX Date XX/XX/XXXX Status Closed

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 2025-06-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
No live rep available to dispute transactions that werent committed by me. 

XXXX {$24.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I have sent dispute requests to TransUnion regarding the following account numbers and The date of these disputes are as follows : XXXX ) XXXX account XXXX last dispute was XX/XX/XXXX this account XXXX balance collection account Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
I have sent dispute requests to TransUnion regarding the following account numbers and The date of these disputes are as follows : XXXX ) XXXX account XXXX last dispute was XX/XX/XXXX this account XXXX balance collection account Despite all of these letters sent to these three bureaus, there has been no resolution or corrections.

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 2025-06-30 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: MI

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C.

1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX TRANSUNION / EQUIFAX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXXXXXX XXXX  EQUIFAX These accounts have already been removed from Experian, and I have disputed them multiple times with no proper verification provided.

Under FCRA Section 1681i ( a ) ( 7 ), I am requesting a detailed description of the investigation, including the sources used to verify these accounts. If you can not validate the accuracy of the data with documented evidence, these accounts must be deleted as required by law.

Failure to respond properly within the required timeframe may constitute a willful violation of the FCRA and FDCPA, and I am prepared to escalate this matter further if necessary

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C.

1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX TRANSUNION / EQUIFAX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXXXXXX XXXX  EQUIFAX These accounts have already been removed from Experian, and I have disputed them multiple times with no proper verification provided.

Under FCRA Section 1681i ( a ) ( 7 ), I am requesting a detailed description of the investigation, including the sources used to verify these accounts. If you can not validate the accuracy of the data with documented evidence, these accounts must be deleted as required by law.

Failure to respond properly within the required timeframe may constitute a willful violation of the FCRA and FDCPA, and I am prepared to escalate this matter further if necessary

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 2025-06-30 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX XXXXegarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I submitted a written dispute regarding a late payment reported by XXXX XXXX XXXX XXXX, account number XXXX Under FCRA XXXX XXXX ( XXXX XXXX Code XXXX ), I have the right to dispute inaccurate information and to have a reasonable reinvestigation conducted within XXXX days. The credit bureau is required to : Reinvestigate the item ( XXXX ( a ) ( XXXX ) ( A ) ) Notify the furnisher of the dispute within XXXX business days ( XXXX ( a ) ( XXXX ) ( A ) ) Delete or correct any item that can not be verified ( XXXX ( a ) ( XXXX ) ( A ) ) Provide me with the results of the reinvestigation and the method of verification ( XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) The bureau failed to verify the accuracy of the reported late payment or provide proper documentation, and yet the derogatory mark remains on my credit report. This is a violation of my rights under FCRA XXXX XXXX. 

I am requesting that the CFPB take action to require the credit bureau to : Delete the late payment if it can not be verified with supporting documentation ; or Provide a full copy of the verification received from the furnisher of the information. 

This inaccuracy is having a negative effect on my credit standing, and I seek a timely resolution in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I explain to XXXX XXXX XXXX and U.S. Department of Education that they can not send anyone my information with out my permission. They, explain to me that it doesn't matter and I need to send them my name, address, and two forms of I.D . to have it removed, since I all ready explain to them that in my letters.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: IN

Complaint narrative:
My private XXXX XXXX XXXX application was initially denied by XXXX without explanation. This loan was later transferred to Mohela. I contacted Mohela and was told they have copy of denial, but no reason stated. I had to file another XXXX application with Mohela. I found copy of the original document with loan dates. This document was not signed by me. My name appeared on form in typed format. The loan I'm being charged for was signed by an authorized school official signed as XXXX XXXX XXXX. XX/XX/XXXX. I submitted copy of this form as proof to Mohela and spoke with an advocate who guided me on what to provide to gain better chance of getting loan discharged. That application was also denied but this time by Mohela. I was notified by email on XX/XX/XXXX. No reason given. I made numerous calls to Mohela only to have no answer, long wait times, no live person to speak with and no access to website to login to view my account. All XXXX XXXX loans were discharged by the Biden-Harris administration . And again, this loan document was not signed by me, interest on this loan is much more than loan original balance. This information further proves misleading information and misconduct. Please assist with getting Mohela to discharge this private loan. No success in attempts to reach Mohela.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

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 2025-06-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
Upon checking my credit report I have noticed some fraudulent accounts on my credit report. Please investigate these accounts as it hurt my ability to obtain credit.

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 2025-06-30 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: NY

Complaint narrative:
Upon checking my credit report I have noticed some fraudulent accounts on my credit report. Please investigate these accounts as it hurt my ability to obtain credit.

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