vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-19 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: CA

Complaint narrative:
I am disputing several inaccurate items on my credit report that resulted from identity theft following a data breach. These include fraudulent accounts, and inaccurately reported late payments. I am providing my government-issued ID, proof of address, and an FTC Identity Theft Report. These items were not authorized by me and are being reported incorrectly, which violates FCRA 605B, 611, and 623.

Fraudulent Accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
3. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Identity theft please block and delete under FCRA 605B. 
4. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 

Inaccurate Late Payments : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed. 
2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed. 
3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I was never late ; please correct the record to reflect Paid as Agreed.

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 2025-11-19 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: TX

Complaint narrative:
When I log into my account at XXXX, the loan clearly shows : Loan Status : Paid in Full Principal Balance : {$0.00} Interest : {$0.00} Late Fees : {$0.00} Total Balance : {$0.00} Last payment : {$500.00} made on XX/XX/year> I am attaching the servicers own screenshot showing the {$0.00} balance and Paid in Full status. 

Despite this, the servicer is furnishing information to XXXX  and XXXX  showing that I still owe roughly {$6000.00} and that the account is in default. XXXX does not show the account at all, which indicates inconsistent and inaccurate furnishing. 

When I called the servicer to understand the discrepancy, the representative said he could no longer access the account, stated it defaulted, and attempted to transfer me to another department without any explanation for why their system shows a {$0.00} balance and Paid in Full status. 

Additionally, I previously chose paperless correspondence, but when I attempted to review past documents in the loan portal, all historical correspondence was missing, making it impossible to verify prior communications or billing statements. I did not delete anythingthere are simply no records available. 

This appears to be a violation of the Fair Credit Reporting Act because : the servicer is reporting information that contradicts their own records the reporting is inconsistent across bureaus past account documentation is missing I am requesting CFPB assistance to have the servicer correct the reporting to Paid in Full / {$0.00} balance, or delete the tradeline entirely if they can not validate the balance they are reporting. I am also requesting that the servicer provide a full written account history and a written explanation for the discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-11-19 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: NY

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 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: GA

Complaint narrative:
I am writing to formally dispute several items on my credit report as I believe they are inaccurate or incomplete. Please review the following details and address the errors associated with these accounts. 

Charged Off Accounts XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$15000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2000.00} Late Payments XXXX  Account Number : 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were submitted in my name, and these companies pulled my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I apply to any of these entities. I am in complete dismay and disbelief that this occurred, as it violates my rights as a consumer. It is absolutely insulting and unacceptable, especially as a law-abiding citizen who values the protection 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 2025-11-19 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: TX

Complaint narrative:
I regularly monitor my credit report because maintaining a strong credit score is important to me, yet I continue to see XXXX accounts with inaccurate and false information. This issue has been recurring for far too long, and despite bringing it up multiple times, it has not been corrected. The ongoing presence of these errors is extremely stressful, exhausting, and is unfairly harming both my life and my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
I took out a loan from sun loans in the amount of {$400.00}. They are stating the loan was for {$600.00} I was charged a {$40.00} Acquisition fee and a {$160.00} Installment handling fee. I was never informed of these fees throughout the entire loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I filled this complaint XXXX on XX/XX/year> to complain that I asked XXXX XXXX to proof that I signed with them actually Ive been asking since begging of XXXX through message and phone to 1. Produce complete and verifiable proof ( including electronic signature records, IP logs, device metadata, audit trails ) that I authorized them to open this account under my name with the wrong SSN 2. Immediately cease all reporting and collection activity related to this matter. They keep reporting my name with the wrong SSN to XXXX Experian XXXX XXXX 3. Provide written confirmation I already sent them. Physical letter tracking number XXXX XXXX asking that to their adresss lock box XXXXXXXX XXXX XXXXXXXX XXXX XXXX because they reported my name with the SSN that is not mine and after all that the only thing they sent to me it was a copy of the XXXXXXXX XXXX  customer agreement without my signature and XXXX  month statement history so again Id like to ask them to proof that I was the XXXX authorizing them to open this account with my name and the wrong SSN, if they can not provide this proof please stop to report my name with the wrong SSN to the credit bureaus

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 2025-11-19 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: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX ( XXXX ), XXXX ( XXXX ), and TransUnion ( TU ). These errors involve charged off accounts that I believe have been inaccurately reported. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$43000.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$10000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1200.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$28000.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$14000.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$110000.00} XXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$5500.00}

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance 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 non-monetary relief
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
To Whom It May Concern : RE : Formal Complaint & Demand for Permanent Deletion of Fraudulent Account Creditor : XXXX XXXX Reported Date Opened : XX/XX/year>XXXX  I am submitting this formal complaint because the above-referenced account is fraudulent, and despite multiple disputes over the last two months, both the creditor and the credit bureaus continue to reinsert and re-report this account without providing any form of legally required verification. 

1. Violations by the Credit Bureaus ( Experian, Equifax, TransUnion ) : Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), once a consumer disputes an account, the bureaus must conduct a reasonable reinvestigation and provide the method of verification. You have failed to do so.

Furthermore, reinserting this account without providing me written notice within 5 business days violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). 
2. Violations by the Furnisher/Creditor ( XXXX XXXX ) : Under 15 U.S.C. 1681s-2 ( a ), a furnisher may not report information that they know or should know is inaccurate. After being notified of the dispute, they failed to provide any proof of the account or contract bearing my signature, which is required under FCRA 623. Continuing to furnish unverifiable or fraudulent information is a clear violation. 
3. My Demand : Since no verification, no contract, no application, and no proof of ownership has ever been provided, this item is legally unverified, inaccurate, and fraudulent.

I am demanding the immediate and permanent deletion of this account from my credit file under : FCRA 602 ( A ) inaccurate and unverifiable information must not be reported FCRA 611 & 623 failure to verify disputed information FCRA 1681i ( a ) ( 5 ) mandatory deletion of unverifiable or reinserted items Failure to comply will result in escalation to the CFPB, FTC, State Attorney General, and possible civil action for damages allowed under 15 U.S.C. 1681n & 1681o.Please provide me written confirmation once this account has been permanently removed.

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 2025-11-19 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: CA

Complaint narrative:
To Whom It May Concern : RE : Formal Complaint & Demand for Permanent Deletion of Fraudulent Account Creditor : XXXX XXXX Reported Date Opened : XX/XX/year>XXXX  I am submitting this formal complaint because the above-referenced account is fraudulent, and despite multiple disputes over the last two months, both the creditor and the credit bureaus continue to reinsert and re-report this account without providing any form of legally required verification. 

1. Violations by the Credit Bureaus ( Experian, Equifax, TransUnion ) : Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), once a consumer disputes an account, the bureaus must conduct a reasonable reinvestigation and provide the method of verification. You have failed to do so.

Furthermore, reinserting this account without providing me written notice within 5 business days violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). 
2. Violations by the Furnisher/Creditor ( XXXX XXXX ) : Under 15 U.S.C. 1681s-2 ( a ), a furnisher may not report information that they know or should know is inaccurate. After being notified of the dispute, they failed to provide any proof of the account or contract bearing my signature, which is required under FCRA 623. Continuing to furnish unverifiable or fraudulent information is a clear violation. 
3. My Demand : Since no verification, no contract, no application, and no proof of ownership has ever been provided, this item is legally unverified, inaccurate, and fraudulent.

I am demanding the immediate and permanent deletion of this account from my credit file under : FCRA 602 ( A ) inaccurate and unverifiable information must not be reported FCRA 611 & 623 failure to verify disputed information FCRA 1681i ( a ) ( 5 ) mandatory deletion of unverifiable or reinserted items Failure to comply will result in escalation to the CFPB, FTC, State Attorney General, and possible civil action for damages allowed under 15 U.S.C. 1681n & 1681o.Please provide me written confirmation once this account has been permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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 am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

Company response to consumer: Closed with non-monetary relief