vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: KS

Complaint narrative:
Subject : Dispute of Unrequested Administrative Forbearance and PSLF Progress Impact To Whom It May Concern, I am writing to dispute an administrative forbearance that was placed on my federal student loan account by MOHELA without my request. I am a public service employee working toward Public Service Loan Forgiveness ( PSLF ). This unrequested forbearance is negatively affecting my PSLF qualifying payment count and hindering my progress toward loan forgiveness. 

On XX/XX/year>, I received a notice from MOHELA stating that my loans were placed in an Administrative Forbearance, with no payments due and a temporary 0 % interest rate during the period my account is in this status. I did not request this forbearance. While I appreciate that interest is not accruing, I am deeply concerned because time spent in this status does not count toward PSLF or income-driven repayment forgiveness. 

In other words, each month my loans remain in administrative forbearance is a lost qualifying payment toward the 120 payments required for PSLF. As of this letter, I have approximately 110 qualifying payments remaining, so every month is critical to me. This situation is unacceptable to me as a borrower who is diligently meeting all obligations under the PSLF program. I am requesting immediate action to resolve this issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-01 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: AR

Complaint narrative:
" A late payment was reported for my XXXX XXXX account ( Account ending in XXXX ) for XX/XX/year>. However, my records show that I made a payment on XX/XX/year>, and there is no past due amount currently on the account. The account is open, in good standing, and marked as 'Paid or paying as agreed. ' I believe this late payment may have been reported in error and is inaccurately affecting my credit profile. I am requesting an investigation and correction under 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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I never owned any cable services as i live with my mother and she has her own services that i use and have been using for the last XXXX. This collection appeared on my account out of the blue and i do not recognize it. My father has the same name as me and continues to ruin my life by fraudulently opening accounts and not paying them. I just got done removing bank accounts from my XXXX  reports that were opened by him. I have XXXX collections and have been taking care of my credit since i was of age. I am a responsible young adult who has never missed a payment on anything i own. Ultimately this fraudulent collection has taken a toll on my credit causing my credit score to drop drastically over XXXX points causing me to be in the XXXX 's after spending the last few years building my credit. Also i never received any debt collection letters and or phone calls regarding this 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 2025-08-01 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:
This letter is a formal dispute of an account reported under my credit profile that I did not open or authorize. I am a victim of what appears to be identity theft or clerical error, and this item is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
This is a formal request for correction of a late payment that has been incorrectly reported on my credit file. This inaccurate information is affecting my credit standing and causing undue financial and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-08-01 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: FL

Complaint narrative:
I recently obtained a copy of my credit report and was alarmed to discover an account that I did not open. I have never had any dealings with the creditor reporting this item, nor have I authorized anyone to open accounts on my behalf. This is a clear case of fraud or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 have recently discovered a fraudulent account on my credit report that I never opened or authorized. I take this matter seriously and am requesting that this be investigated and removed 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 explanation
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180.00}

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 2025-08-01 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: WI

Complaint narrative:
In the process of trying to apply for an apartment Ive noticed I have damages on my consumer report which probities me from renting. according to the 15 U.S.C 1681 there should not be any damages on my report which is a defamation of my character.

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 2025-08-01 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: CA

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-08-01 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: PA

Complaint narrative:
I am formally disputing inaccurate late payments being reported on my credit file for the following accounts : XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX These late marks are being reported without any proper notice from the creditor regarding upcoming due dates or missed payments. I was never notified when the accounts allegedly became late, which denied me the opportunity to address the situation or make timely payments. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) Information reported must be accurate and complete to the maximum extent possible.

FCRA 1681s2 ( a ) ( 1 ) ( A ) Furnishers must report information fairly and accurately.

FCRA 1681i ( a ) Consumers have the right to dispute any information they believe is inaccurate. If the information can not be verified, it must be removed. 

The failure to provide prior notice, and then report these as late, renders the late marks incomplete, misleading, and 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 non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
We were bamboozled by XXXXXXXX for rodeo tickets. They passed the buck to XXXX so neither website could recognize my phone number. I called both XXXX and XXXX customer service lines and neither had records of my purchase. I purchased tickets with my discover card ending in XXXX so I placed a fraud alert. Discover denied my fraud alert. They claimed the vendor provided evidence of goods received. I requested copies of vendor 's evidence to which Discover could not provide only their final decision to make me pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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:
An account has been reported under my name that I did not open and have no knowledge of. I believe this to be a case of identity theft or mistaken identity.

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 2025-08-01 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: TX

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 ( FCRA ).

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 2025-08-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
I received a voice mail XX/XX/year> around XXXX. The gentleman on phone stated that they were trying to contact me due to a debt I owe with Acima Leasing and that if I didn't contact the company handling my claim they were going to locate my place of residence. And they even contacted my mother that I do not live with any more regarding this and scared her too. I called the number they provided along with the claim number as well. I got in contact with someone very quick. He asked for my name birthdate and last XXXX of my social. He asked if I knew about my debt I owe with Acima and if I didnt want the claim to follow thru legal process that I would need to pay the {$1500.00}. I did say I can if a payment plan was an offer. So he put me on hold to take to his supervisor and they were able to offer me XXXX. The first {$100.00} payment out of XXXX total was made that same week Friday, XX/XX/year>. I asked them the name of their company, they stated it was " XXXX ''. We did a over the phone authorization that I agreed to the plan. And I went about my day. I became worried after week because I hadn't received a receipt saying I made a payment only the charge on my bank statement which was under " XXXX  XXXX XXXX ''. On XX/XX/XXXX, I called them again and asked if I can get documentation of validity of debt and if I could opt in to receive receipts so I know what I paid and what left I owe. They told me they are not a collection agency and that they won't be able to provide that info for me. Which made me even more concerned. So, I asked if I could get their location of business and they were not willing to give that to me either. They said I would have to wait until I paid the debt in full then they'll send me a letter stating the debt has been paid in full and then I can see their business address on their. I then exclaimed that I am very uncomfortable with not getting any confirmation that I am paying towards that debt. And she said you're more than welcome to give us a call to get your confirmation number of payment transaction and how much you left on the loan debt but, we can not provide you a email or letter, also due to the claim almost reaching proceeds. And the XXXX stated " if you are uncomfortable with the payments, we are more than welcome to send this claim back to proceeds and you can deal with it legally. '' The whole thing seems so shady. So, I stopped the automatic payments thru my bank until I get something a letter or receipt out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: PA

Complaint narrative:
I am the victim of identity theft, and fraudulent accounts and hard inquiries were reported on my credit file without my knowledge or authorization. I submitted a valid FTC Identity Theft Report and supporting documents, including my government-issued ID, proof of address, and Social Security card , to the credit bureaus to have these accounts and inquiries removed under the Fair Credit Reporting Act ( FCRA ). 

Despite this, the credit bureaus and furnishers failed to block or delete the following accounts and inquiries within the required timeframe : XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX This is a violation of my rights under : FCRA 1681c2 failure to block fraudulent information within 4 business days.

FCRA 1681b ( c ) unauthorized inquiries were furnished.

18 U.S.C. 1028A aggravated identity theft. 

I am now forced to escalate the matter due to inaction and noncompliance with federal law, which continues to damage my credit standing and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing several inaccurate, unverifiable, or unvalidated accounts on my Experian credit report. These include : XXXX XXXX XXXX ( {$2100.00} ) This account was not listed in my XX/XX/year> Experian report but appeared afterward without any notice or validation. I was not informed of the debt and have received no documentation. 
XXXX XXXX XXXX XXXX ( {$1200.00} for XXXX ) I previously disputed this item. It remains on my report without proper validation or supporting documentation. The collector never responded to my dispute and continues to report it. 
XXXX XXXX ( {$560.00} ) Charged off but previously disputed with no investigation. This debt has not been verified and appears to have been re-aged and retained without any evidence. 
XXXX  XXXX ( {$1200.00} ) Charged off after 15 months of delinquency, which I disputed. Experian continues to report the account with a balance despite closure and prior dispute. 
XXXX ( {$410.00} ) I submitted a consumer statement saying payments were made under a negotiated plan. The account was charged off anyway and remains inaccurately reported. 
XXXX XXXX ( {$28000.00} auto loan ) Reporting a balance higher than the original loan and ongoing late payments. This account is also under dispute and part of a separate complaint involving auto loan fraud.

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 2025-08-01 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: GA

Complaint narrative:
I am filing a formal complaint against Equifax/Expirian/TransUnion or XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX for violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Dept Collection Practices Act ( FDCPA ). My credit report shows inaccurate and duplicated accounts, including XXXX XXXX XXXX XXXX XXXX charged off the account, and XXXX XXXX is now reporting it. Both reporting same balance ( {$680.00} ), which is illegal per FCRA 623. Only one can report balance. This is misleading lenders and inflate my debt. 

XXXX XXXX XXXX same as above : XXXX charged off, midland now collecting. Multiple entries showing {$1700.00} owed by both, potentially duplicative reporting.

Violation FCRA 607 ( b ) Inaccurate reporting ; FDCPA 807 ( 2 ) ( A ), misleading representation.

These are being reported by both the original creditor and collection agency for the same debt. Additionally, some accounts are showing incorrect payment history, re-aged debt beyond the statutory 7-year limit, and incorrect dispute resolution updates. These issues are impacting my creditworthiness and are not being properly corrected.

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