vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: MS

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 seven 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 2025-12-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
I had a loan with this company. I defaulted so the account became a court judgment. I started making payments of $ XXXX for over a year towards the judgement. During this time I requested numerous settlement offers. The branch closed abruptly and I was no longer able to make payments. However they have continued harming my credit. I finally after months of trying, got in contact with someone who told me my account was now {$7000.00} and was still interest bearing. However when an account to charged off and becomes a judgment interest is no longer accrued. This company has been giving me a run around and all Ive tried to do is work out a settlement and pay them. Absolutely horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
Dear Sir/Madam, I am writing to dispute certain inaccuracies and incomplete reporting on my credit report. Below are the accounts that I am disputing, separated by credit bureau. I request your assistance in investigating these discrepancies and removing the erroneous information from my credit file.

Charged Off Accounts : None listed. 

Inquiries : XXXX XXXX  : Date : XX/XX/year> XXXX XXXX : Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXXXXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX : Date : 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 explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: MN

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now Im being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like Im being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CBC Companies, Inc.
State: GA

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for continued inaccurate, inconsistent, and unverifiable reporting of a XXXX XXXX bankruptcy on my consumer credit reports. 

This bankruptcy was previously disputed through a CFPB complaint, which placed all three consumer reporting agencies on formal regulatory notice that the accuracy, lawful association, and verification methods used to report this public record were defective. Despite that notice, the bankruptcy continues to be reported without proper verification.

None of the bureaus have produced certified court-issued documentation demonstrating lawful association between me and the alleged bankruptcy filing. Instead, they have relied on third-party aggregation, automated database matching, partial identifiers, and indirect verification methods. These practices do not meet the reasonable reinvestigation standard required under 15 U.S.C. 1681i, particularly after regulatory notice has already been provided.

Additionally, the bankruptcy is reported inconsistently across the three bureaus. Each bureau lists different filed dates, reported dates, reference numbers, and court identifiers for the same alleged public record. These material inconsistencies demonstrate that the information is not being maintained with maximum possible accuracy as required under 15 U.S.C. 1681e and fails Metro 2 public record reporting standards, which require consistency across core data fields.

I am also a confirmed victim of the Equifax data breach and the XXXX XXXX Data breach. My personal identifying information has been compromised, significantly increasing the risk of mixed-file errors and misattribution of public records. Under these circumstances, the continued reliance on automated or third-party verification methods is unreasonable and noncompliant with federal law. 

The continued reporting of this bankruptcy has caused ongoing financial harm, including suppressed credit scores, reduced access to credit, higher borrowing costs, and emotional distress. 

Despite prior disputes and CFPB notice, the consumer reporting agencies have failed to correct or delete this unverifiable public record.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for continued inaccurate, inconsistent, and unverifiable reporting of a XXXX XXXX bankruptcy on my consumer credit reports. 

This bankruptcy was previously disputed through a CFPB complaint, which placed all three consumer reporting agencies on formal regulatory notice that the accuracy, lawful association, and verification methods used to report this public record were defective. Despite that notice, the bankruptcy continues to be reported without proper verification.

None of the bureaus have produced certified court-issued documentation demonstrating lawful association between me and the alleged bankruptcy filing. Instead, they have relied on third-party aggregation, automated database matching, partial identifiers, and indirect verification methods. These practices do not meet the reasonable reinvestigation standard required under 15 U.S.C. 1681i, particularly after regulatory notice has already been provided.

Additionally, the bankruptcy is reported inconsistently across the three bureaus. Each bureau lists different filed dates, reported dates, reference numbers, and court identifiers for the same alleged public record. These material inconsistencies demonstrate that the information is not being maintained with maximum possible accuracy as required under 15 U.S.C. 1681e and fails Metro 2 public record reporting standards, which require consistency across core data fields.

I am also a confirmed victim of the Equifax data breach and the XXXX XXXX Data breach. My personal identifying information has been compromised, significantly increasing the risk of mixed-file errors and misattribution of public records. Under these circumstances, the continued reliance on automated or third-party verification methods is unreasonable and noncompliant with federal law. 

The continued reporting of this bankruptcy has caused ongoing financial harm, including suppressed credit scores, reduced access to credit, higher borrowing costs, and emotional distress. 

Despite prior disputes and CFPB notice, the consumer reporting agencies have failed to correct or delete this unverifiable public record.

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 2025-12-22 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX Date 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$62.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-22 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 kindly request the removal of the late payment and an update to my account to reflect an accurate and positive payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I am disputing the accuracy of the following accounts on my TransUnion credit report. These accounts are incorrectly reported and need to be investigated for accuracy. 

CHARGED OFF ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$520.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$19000.00} XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1700.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2900.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1600.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1700.00} XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$420.00} INQUIRIES : XXXX XXXX POSITIVE ACCOUNTS : [ No disputed positive accounts ] LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts that I believe are inaccurately reported on my credit file. Below, I have separated the accounts by each bureau for your review. 

Charged Off Accounts XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$96.00} FST PREMIER, XXXX, XX/XX/XXXX, {$430.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2500.00} InquirieXXXX XXXX XXXXXX/XX/XXXX Late Payment Accounts XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation