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: WA

Complaint narrative:
In XX/XX/year>, I noticed an erroneous student loan opened under my name on my credit reports. This fraudulent XXXX  loan claimed that I had enrolled in XXXX XXXX XXXX XXXX, a school I had never heard of nor visited in my entire life. XXXX has been very slow to respond to my complaint and have been generally unhelpful with correcting this issue ( it still persists ).

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: Incorrect information on your report — Account information incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
The private loan account listed on my credit report is inaccurately showing delinquent payment during the time it was in bankruptcy proceedings. Per the fair credit reporting act ( FCRA ) and bankruptcy law, accounts included in bankruptcy should not reflect late payments after the bankruptcy filing date. This is damaging to my credit and misleading.Ive contacted the lender but the inaccurate reporting has not been corrected. Im requesting that the CFPB investigate this issue and that the incorrect delinquency be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I payed the account off and the account was closed but not removed from credit report. I would like this account removed 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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Ongoing Inaccurate Reporting of Payment History Failure to Provide Documentation I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of certain payment history items on my credit report. I am writing on my own behalf as a natural person and consumer. This is a follow-up to a dispute I submitted more than XXXX  days ago, which has not been lawfully resolved. 

Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to accurate, complete, and fair reporting. Specifically, my dispute was based on 15 U.S. Code 1666 ( b ), which governs billing errors including : Failure to correctly reflect a payment or credit, Errors in computation or account processing, and Lack of proper notice ( minimum XXXX  days ) before assessing late fees or reporting a payment as late. 

To date, I have not received any documentation verifying the accuracy of the late payments that are still being reported. As required by law, if the creditor can not substantiate the derogatory reporting with valid evidence, the information must be corrected or removed. 

Disputed Accounts : XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( XXXX ) [ Duplicate Entry ] Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Open ) [ Duplicate Entry ] Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This XXXX XXXX credit card account was opened in XX/XX/XXXX. The last payment appears to have been made around XX/XX/XXXX, and the account was subsequently charged off by the creditor later that year. 

I previously disputed the accuracy of how this account was reported, particularly due to inconsistencies in payment history and balance reporting across the credit bureaus. The dispute was closed and marked as resolved, but the current reporting still appears inaccurate in parts. 

For example : Equifax still displays several OK payment entries after the account was already charged off, which is misleading. 

High credit and credit limit fields are inconsistent across bureaus. 

Dispute comments remain visible despite resolution years ago. 

The account has not had any activity or payments since XXXX, and the charged-off balance has remained the same.

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: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: MS

Complaint narrative:
I began receiving texts and calls in regards to an outstanding debt owed to RGFI, however, I repeatedly ignored them knowing I did not have this debt. Once I received a letter, I contacted them and explained that I had in no way taken this loan out and it was in my maiden name which I have not used since XXXX. I also advised there is nothing on my credit report in regards to taking this loan out. RFGI advised I contact and file this complaint. 

RFGI ( Rozlin Financial Group, Inc ) on behalf of XXXX XXXX XXXX XXXX XXXX owed as of XX/XX/XXXX.

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

Complaint narrative:
I reviewed my TransUnion credit report dated XX/XX/year> and found multiple accounts and public records reporting inaccurate, incomplete, or unverifiable information. I disputed these items and requested full validation as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

Despite my request, TransUnion did not provide sufficient documentation to verify the accuracy of these accounts. Specifically : No original signed contracts or applications were provided. 

No chain of title documents proving ownership of the debts were provided ( for charged-off or transferred accounts ).

No IRS 1099-C forms were shown for accounts marked as charged off.

No proof of permissible purpose under FCRA 604 to report or access my data was offered. 

For the XXXX XXXX XXXX  listed on my file, no direct verification from the U.S. XXXX Court was provided. I have opted out of XXXX, which is commonly used to verify public records, making their ability to verify through that method invalid. 

Many of the accounts in question show inconsistent reporting, incorrect balances, and payment histories that are questionable or impossible to verify. In addition, TransUnion did not respond with a meaningful investigation methodology or provide the name and contact of any individual who confirmed the datas accuracy. 

I submitted my dispute in good faith, and TransUnions failure to provide concrete evidence within the required XXXX window is a direct violation of 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 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: AZ

Complaint narrative:
I recently reviewed my credit report and found several inaccuracies on my account. These errors are negatively affecting my ability to obtain credit. I am requesting that you investigate these items to ensure the information is accurate and up to date.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I had both a checking and investment account with SoFi, which were restricted in XX/XX/XXXX and ultimately closed by SoFi in XX/XX/XXXX. Since then, I have not received the return of my funds from either account. 

Ive been repeatedly told conflicting information including that my funds may have been turned over to the State of Florida but no one at SoFi has been able to confirm exact details, dates, or provide documentation. 

Since XXXX, Ive called SoFi over XXXX times, spoken with numerous representatives and supervisors, and have been consistently given the run-around without resolution. My money has been held for over 8 months, and I still do not have access to it, nor has it been returned. 

I am requesting the CFPBs assistance in getting : A clear explanation of where my funds are The return of my account balances from both the checking and investment accounts Any official documentation supporting the transfer of funds, if they were turned over to the state Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against HARRIS regarding an account I have with them XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : HARRIS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$460.00}. 

I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with HARRIS buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AZ

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 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize these accounts in my name. According to multiple consumer laws including FCRA 605b Fair Credit Billing Act ( 15 U.S. Code 1666b, 1637b ) specifically law 15 USC 1681 C-2. As well as 1681 s-2 and 1692G. Also 1679c. Please remove these accounts off my name including late payments and inquires. Below you will find my FTC report and my dispute letter.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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: GA

Complaint narrative:
My personal information was exposed to XXXX data breach and my identity stolen I do not recognize these accounts listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk

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 status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
Ive been paying my XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX since XXXX. Every XXXX  days since then the balance owed has been inaccurate/incorrect. Ive filed several disputes with Experian and they come back stating account is accurate. Ive filed several disputes with XXXX XXXX services and no correct balance is updated. I called tonight XX/XX/year> and spoke with XXXX. XXXX said some at XXXX XXXX services closed dispute. She said she would expedite new dispute. I was told to give the update balance until XX/XX/year>. I was told last month to give it until XX/XX/year>. I then told XXXX I would file a dispute with Fair Trade Commission. Ill keep on filling or file suit until information is updated and corrected. Thanks

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: LA

Complaint narrative:
Ive been paying my XXXX XXXX  with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX since XXXX. Every XXXX  days since then the balance owed has been inaccurate/incorrect. Ive filed several disputes with Experian and they come back stating account is accurate. Ive filed several disputes with XXXX XXXX services and no correct balance is updated. I called tonight XX/XX/year> and spoke with XXXX. XXXX said some at XXXX XXXX services closed dispute. She said she would expedite new dispute. I was told to give the update balance until XX/XX/year>. I was told last month to give it until XX/XX/year>. I then told XXXX I would file a dispute with Fair Trade Commission. Ill keep on filling or file suit until information is updated and corrected. Thanks

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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