vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian XXXX BALANCE {$440.00} ACCOUNT XXXX XXXX ACCOUNT OPEN XX/XX/year> XXXX XXXX {$1100.00} ACCOUNT XXXX ACCOUNT OPEN XX/XX/year> XXXX XXXX XXXXXXXX XXXX {$4500.00} ACCOUNT OPEN XX/XX/year> XXXX  XXXX BALANCE {$660.00} ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  ACCOUNT # XXXX DATE OPEN 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 2025-09-19 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 a victim of identity theft. My personal information was stolen in XXXX XXXX. On XX/XX/XXXX, I filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX, Case No. XXXX, signed by XXXX XXXX XXXX XXXX XXXX XXXX I also completed an FTC Identity Theft Report, which I notarized. 

I have submitted this complete 605B package to TransUnion multiple times by certified mail and through the CFPB portal : FTC Identity Theft Report, notarized affidavit, signed police report, government-issued ID, Social Security card , and utility bill.

Despite this, TransUnion refuses to block the fraudulent accounts. Their stall tactics include : Claiming my documents do not meet requirements but refusing to say why. 

Telling me their system does not allow them to block these accounts. 

Claiming my drivers license was not legible even though a clear copy was provided.

Relying on creditor verification instead of following 605Bs requirement to block once a valid package is provided. 

Fraudulent accounts TransUnion continues to report : 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  and XXXX  have already blocked and deleted these same accounts using the identical documents. 

Harm Caused TransUnions unlawful refusal is causing ongoing harm : Lenders have denied me credit applications due to these false derogatory accounts. 

Other services requiring credit checks have also refused me, including insurance and rental opportunities. 

This has damaged my financial stability, credibility, and ability to obtain necessary credit and services.

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 2025-09-19 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Multiple Accounts Ending in XXXX Notice of Dispute Under FCRA To Whom It May Concern : This letter is to dispute the multiple late payment notations reported across student loan accounts currently serviced or originated by XXXX. This is a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and Regulation V 1022.42.

My credit file contains numerous accounts reflecting five or more late payments each, ranging from XXXX to 180 days. I dispute these entries for the following reasons : The reported delinquencies are not consistent with my records and may be inaccurate or unverifiable.

I request that these accounts be updated to reflect current/never late status, or if unverifiable, that all negative entries be removed. 

You are legally required to conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. 

Please confirm the outcome of your investigation in writing. 


XXXX XXXX XXXX : XXXX DOB : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Multiple Accounts Ending in XXXX Notice of Dispute Under FCRA To Whom It May Concern : This letter is to dispute the multiple late payment notations reported across student loan accounts currently serviced or originated by XXXX. This is a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and Regulation V 1022.42.

My credit file contains numerous accounts reflecting five or more late payments each, ranging from 90 to 180 days. I dispute these entries for the following reasons : The reported delinquencies are not consistent with my records and may be inaccurate or unverifiable. 

I request that these accounts be updated to reflect current/never late status, or if unverifiable, that all negative entries be removed. 

You are legally required to conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. 

Please confirm the outcome of your investigation in writing. 


XXXX XXXX XXXX : XXXX DOB : 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 2025-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I applied for and received {$1500.00} credit line from Synchrony Bank on XX/XX/year>. I've since been making on-time, successful payments. With the balance due less than {$900.00}, I intended to pay off the full amount by XXXX. I was using the credit line to increase my credit score by showing on-time payments and to optimize my credit utilization. Credit utilization makes up 30 % of a credit score. Synchrony Bank, without notice or provocation, lowered my available credit to {$990.00}. Making my credit utilization with them 110 %! Due to their decrease my overall credit utilization is now lowering my credit score which is counterproductive as to the reason why I had their credit card in the first place. I attempted to contact their customer service line and the XXXX hung up in my face when I asked about filing grievance. This is appalling.

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 2025-09-19 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: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not in error. My credit report contains inaccurate information that does not reflect maximum possible accuracy, as required under the Fair Credit Reporting Act. These errors are causing me significant and ongoing harm, both personally and financially.

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 2025-09-19 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: NJ

Complaint narrative:
I am disputing multiple inaccurate late payments reported by my federal student loan servicer, XXXX XXXX XXXX XXXX during the COVID-19 forbearance period covered by the CARES Act. 

According to federal law and guidance issued by the U.S. Department of Education, all federal student loans were automatically placed into administrative forbearance starting XX/XX/XXXX through XX/XX/XXXX, with no payments due and no late payments to be reported to the credit bureaus. 

Despite this, my credit report reflects multiple XXXX, XXXX, XXXX, and even XXXX late payments on federal student loans during that time period. These are inaccurate, illegal under federal law, and are now severely damaging my XXXX XXXX and financial opportunities. 

The following student loan accounts show these false late payments : Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX These were federal loans that should have been in automatic forbearance. I was not required to make payments, yet these lates were still reported and never corrected. I submitted disputes and was told they were " verified, '' despite the clear CARES Act violations. 

I am requesting the Consumer Financial Protection Bureau to step in and require the Department of Education and/or XXXX to correct or delete these inaccurate late payments from my credit report immediately, as they are damaging and should never have been reported during a protected period.

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 2025-09-19 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 disputing multiple inaccurate late payments reported by my federal student loan servicer, XXXX XXXX XXXX XXXX during the COVID-19 forbearance period covered by the CARES Act. 

According to federal law and guidance issued by the U.S. Department of Education, all federal student loans were automatically placed into administrative forbearance starting XX/XX/XXXX through XX/XX/XXXX, with no payments due and no late payments to be reported to the credit bureaus. 

Despite this, my credit report reflects multiple XXXX, XXXX, XXXX, and even XXXX late payments on federal student loans during that time period. These are inaccurate, illegal under federal law, and are now severely damaging my XXXX XXXX and financial opportunities. 

The following student loan accounts show these false late payments : Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX Account # XXXX showing lates from XX/XX/XXXX through XX/XX/XXXX These were federal loans that should have been in automatic forbearance. I was not required to make payments, yet these lates were still reported and never corrected. I submitted disputes and was told they were " verified, '' despite the clear CARES Act violations. 

I am requesting the Consumer Financial Protection Bureau to step in and require the Department of Education and/or XXXX to correct or delete these inaccurate late payments from my credit report immediately, as they are damaging and should never have been reported during a protected period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
My credit report includes collection accounts that I believe may contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a thorough review of these entries, and if they can not be verified, they should be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to find I had been the victim of identity theft I do not recognize these account please remove them from my credit report they are hurting 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
Consumer complaint received 2025-09-19 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:
To stay compliant with 15 U.S. Code 1681g, you need to remove these disputed accounts in 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Hello Sir : I got a fake text message from bad people. 
They said somebody is trying to withdraw from my Coinbase account. 
She is a fake Coinbase customer service representative. I trust them. 
Then she said she would help me out. 
And she persuaded me to download the XXXX XXXX. 
Then, she said she would transfer my BTC to a safe place.

They gave me a wallet address to send it to them. 
After 10 minutes, all of my Coinbase account became XXXX. 

Additionally, I went to the local Enforcement and did a report. 
I will file an FBI incident report, too. 

My account is XXXX Coinbase support case number : XXXX. 

Please Help. Please Help. 


Coinbase is supposed to give me a solution. Not just ignore it. 
The money is huge. Money Amount is : XXXX I need to have a fair solution from Coinbase or Justice. 
I'm a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion is reporting and verifying accounts under an incorrect past name that I have already disputed and proven is not my legal name. 

I submitted disputes to TransUnion to correct my personal information, including removal of the false name that does not belong to me. 

I provided proof of my legal identity ( Social Security card, drivers license, utility bill, etc. ). 

Despite this, TransUnion has refused to correct the name and continues verifying multiple accounts tied to the false name.

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires TransUnion to report only accurate information and to conduct reasonable reinvestigations. 


By knowingly retaining an illegal name on file and verifying accounts tied to it, TransUnion is engaging in willful noncompliance that damages my creditworthiness.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not in error. My credit report contains inaccurate information that does not reflect maximum possible accuracy, as required under the Fair Credit Reporting Act. These errors are causing me significant and ongoing harm, both personally and financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15
U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.71XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-18 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I told XXXX XXXX I will pay XXXX a month until paid off but my car was stolen with rent money inside plus I had rental assistance I was always month to month to legally wasnt in contract

Company response to consumer: Closed with explanation