vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-24 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: NM

Complaint narrative:
The inaccuracies on my credit report are seriously holding me back from achieving financial stability. My applications for new credit continue to be denied because of this, and it's incredibly frustrating to have my rights as a consumer disregarded.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: OH

Complaint narrative:
Account was locked for suspected fraud 2 months ago. I advised I may have place a lock on my card- but there was no fraud? No transactions? Nothing. I have tried to have my account unlocked through XXXX and social security and they just won't unlock it. 2 months they have my money and I have no insurance no medicine nothing. Everytime social security calls they say they miss their call and can't take the voicemails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NM

Complaint narrative:
I recently reviewed my credit report and found an inquiry I do not recognize. I did not apply for credit with this company, nor did I authorize or consent to them accessing my report. This unauthorized inquiry is causing me stress and 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 2025-06-24 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The account in question is listed under Capital One, with the number ending in XXXX. After reviewing the XX/XX/XXXX investigation results, I have identified several significant errors that constitute violations of the Fair Credit Reporting Act ( FCRA ), particularly regarding accuracy, completeness, and proper reporting practices. 

1. Conflicting Account Activity Dates * The report lists the last payment made on XX/XX/XXXX, while also stating the account was closed on XX/XX/XXXX. 
* Additionally, it reports 120-day delinquencies in XXXX and XX/XX/XXXX, which would not be possible after account closure. This is factually impossible and violates the FCRA 's mandate for accurate reporting. 
2. Illegal Re-aging Patterns * The account has been continuously marked as C/O ( charge-off ) through XXXX, despite closure and charge-off years prior. This tactic extends the negative life of the account and may violate federal re-aging prohibitions under the FCRA and FDCPA. 
3. Contradictory Payment and Status Information * The pay status reads Charged Off while also listing an outstanding balance of {$360.00} and remarks including UNPAID BALANCE CHARGED OFF and CLOSED BY CREDIT GRANTOR. These details conflict and obscure the true status of the account. 
4. Unverifiable Payment History * Monthly reporting codes show C/O with no supporting transaction detail or balance changes from month to month. Without verifiable documentation, this history fails FCRA compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I submitted disputes to the 3 credit bureaus XXXX, XXXX  and XXXX  regarding the collection account you are currently reporting on XXXX  and XXXX. XXXX  has deleted this account from my credit report. However, this same account is still appearing on both of my XXXX  and XXXXXXXX XXXX reports. The account in question is related to Original Creditor : XXXX, with a reported balance of {$170.00}. I want to know why this account is still being reported to XXXX  and XXXX  after it was removed from XXXX. Did you fail to notify XXXX  and XXXX  that the account should be deleted, or did you provide inconsistent responses to each bureau regarding the same account? As the furnisher of this information, you are legally responsible for ensuring that the data you report is accurate, complete, and consistent across all credit reporting agencies. The fact that XXXX  removed the account while XXXX  and XXXX  continues to report it raises serious concerns about your compliance with the Fair Credit Reporting Act ( FCRA ). Under the FCRA, you are obligated to do the following : 623 ( a ) ( 1 ) ( A ) : You must not furnish information you know or have reasonable cause to believe is inaccurate. 623 ( a ) ( 2 ) : You are required to promptly update and correct information that is incomplete or inaccurate with any consumer reporting agencies to which you furnish data. 623 ( b ) ( 1 ) ( D ) : If an item of information can not be verified during a consumer dispute, it must be deleted from the consumers file. XXXX deletion of this account indicates that the information either could not be verified or was found to be inaccurate. If so, you are obligated to take the same action with XXXX  and XXXX. Continuing to report the account to XXXX  and XXXX  without resolving this discrepancy is a violation of your responsibilities under the FCRA. I have attached the proof that the account was deleted in XXXX, as well as the dispute I sent to XXXX  and XXXX. I expect you to resolve this matter promptly and ensure your reporting is accurate, complete, and consistent across all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I attended XXXXXXXX XXXX  which then switched to XXXXXXXX XXXX XXXXXXXX from XX/XX/XXXX - XX/XX/XXXX. When I first applied to go to the college, I told every single person that I spoke to to get me started that I had zero information on how to even get started. I was attending this college with zero support from any friends or family. They told me to apply for financial aid and we would go from there. They asked me what I wanted to go to school for and I told them I would like to come out of school becoming or at least on my way to becoming a XXXX. They put me in a degree plan that was incorrect. I had no clue that this was even happening until I was halfway through and knew that I had no way to turn back because I was already thousands of dollars in debt. I was also misinformed that towards the end of my degree that my financial aid would run out therefore I took out a credit card just to finish paying off my courses because I was so close to being done which intern, put me into even more debt. Every single time I had to apply for a course, even though they told me I could do it online. I always felt more comfortable speaking to one of the supervisors, so there was no mistake that I was taking courses that would lead me to my XXXX  degree. I had stated every single time that any classes I needed to take in order to be on my way to become XXXX  was what I was willing to take. It was only when I was halfway through that I was told that my degree would not get me there. I was also not informed that I would then have to Continue my education after receiving my degree in order to do anything with my degree. It is now XXXX and I feel like such a failure because I was misled by the recruiters for this college and nothing to show for it except for thousands of dollars in debt Then I came across the XXXX XXXX XXXX case and I put my name on it as soon as I was aware of what it was, I applied for it XX/XX/XXXX and have not heard anything about it since. At first, I would receive a phone call here and there that my application was still in review and it could take a very long time for anything to happen with it, but since maybe XXXX, I request an update almost every single day and not one phone call has been made back to me regarding the status of my application. Im not quite sure who is in charge of it whether it be student or XXXX or XXXX as my student loans have switched hands quite a bit, but I would like to know what the fate of this what I call a failed college degree will be, and if Im going to have to be stuck Paying for something that I couldnt even utilize

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I Am writing to delete the following information from my file. The items I deleted are listed in the report, I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit, please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I Am writing to delete the following information from my file. The items I deleted are listed in the report, I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit, please delete this items as soon as possible.

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 2025-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: College Ave Student Loan Servicing, LLC
State: MA

Complaint narrative:
I applied to College Avenue for student loan for my daughter for XXXX year. When I processed the loan I provided checking account information to set up autopay. At the time we still resided in Connecticut but moved to Mass. XX/XX/year>. The autopay request was never processed and I was not informed by College Avenue that payments were not received until mail was eventually forwarded from CT. I call them in XXXX and reset the autopay, paid my past due balance and have been paying monthly since that point. I just applied to them for a new loan for senior year and was declined so I looked at credit history from XXXX  and discovered my credit rating had gone from Excellent to Good and it shows 2 notes for 30+ and 60+ past due for same account. This is {$100.00} per month payment and despite my excellent credit history and annual income have not only been declined but this is now a mark on an otherwise perfect credit history which I wish to have removed. I have contacted and disputed this with XXXX  ( no results yet ) and have attempted to speak to a Supervisor at College Avenue but they always say they will call back and don't. This is an administrative mistake on my part that should not impact my credit history or prevent me from getting a new student loan for my daughter. This company is very difficult to work with and customer service has not authority to help or answers...

Company response to consumer: Closed with explanation