vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NV

Complaint narrative:
I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from XXXX site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft and filed an FTC Identity Theft Report on XXXX. 
I attempted to block a fraudulent XXXX account on my Experian credit report. 

Experian will not allow me to submit documentation online and is requiring that I call to dispute. 
Under FCRA 605B, a credit bureau must block information resulting from identity theft upon receipt of a valid FTC Identity Theft Report and proof of identity.

A phone call is not required by law.

Experian is refusing to provide a method to submit my identity theft affidavit and is preventing me from exercising my rights under FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: DE

Complaint narrative:
I disputed a collection account reported by Eastern Account Systems , Inc. with XXXX. XXXX  completed its reinvestigation on XX/XX/XXXX and reported that the account was verified as accurate based solely on the furnishers certification, without providing me any documentary proof or competent evidence that the debt is valid or that Eastern Account Systems has legal authority to collect or report this account. 

Dispute Results ( 2 ) The account is a cable/cellular collection with a reported balance of {$790.00} and an alleged first delinquency date of XX/XX/XXXX. During the reinvestigation, XXXX  stated that Eastern Account Systems merely updated certain fields ( balance, balance date, status date ), but no proof was provided to me showing : A copy of a signed service agreement or contract bearing my signature Proof of assignment or ownership of the alleged debt Evidence that Eastern Account Systems is legally authorized and properly licensed to collect and report debts in Illinois A complete itemization of charges establishing how the balance was calculated XXXX  relied on a bare furnisher certification instead of conducting a reasonable reinvestigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Eastern Account Systems likewise failed to provide meaningful validation as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

The reporting of this account continues to harm my credit profile despite the lack of verified documentation. Verifying an account without producing underlying evidence renders the reinvestigation unreasonable and the reporting inaccurate and misleading.

What I Believe the Company Did Wrong Failed to conduct a reasonable investigation ( FCRA 1681i ) Verified information without competent evidence Continued reporting of an unvalidated debt Failed to provide proof of legal authority to collect Updated account fields to create the appearance of accuracy without substantiation Harm Suffered Ongoing credit damage Increased difficulty obtaining credit and financial aid Emotional distress and time spent correcting inaccurate reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
I received notification on my credit report and have been disputing it since XX/XX/XXXX and reached out to the company for verification. It was deleted and reinserted. Company sent it over to attorney who demanded payment. I have informed them several times that I am a fraud victim and have not lived at the stated address since XX/XX/XXXX. To Whom It Concerns : I am writing to dispute the accuracy and ownership of an account currently appearing on my credit report. It is not fair for me to pay the debt I didnt make and to have my credit score continuously drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to XXXX U.S.C. XXXX1b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 
* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 
* * Under XXXX U.S.C. XXXX XXXX XXXX, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
XXXX. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to XXXX U.S.C. XXXX1b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 
* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 
* * Under XXXX U.S.C. XXXX XXXX XXXX, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
XXXX. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I do not recognize the following hard inquiries reported on my credit report by XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX. These inquiries were not authorized by me. 

I am a victim of identity theft, and these inquiries are fraudulent. On XX/XX/year>, all three unauthorized hard inquiries were reported on my credit file. 

I am requesting that these inquiries be removed immediately. 

FTC Report XXXX : XXXX I have already filed an identity theft report with the Federal Trade Commission. Please see the attached documentation for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize the following hard inquiries reported on my credit report by XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX. These inquiries were not authorized by me. 

I am a victim of identity theft, and these inquiries are fraudulent. On XX/XX/year>, all three unauthorized hard inquiries were reported on my credit file. 

I am requesting that these inquiries be removed immediately. 

FTC Report XXXX : XXXX I have already filed an identity theft report with the Federal Trade Commission. Please see the attached documentation for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am disputing this account because the information being reported is inaccurate. I do not recognize this debt and have not been provided proper verification. I requested validation, but the creditor has failed to provide documentation showing I am responsible. Additionally, this account has been reported for over 7 years ( approximately 7 years and 1 month ). Under the Fair Credit Reporting Act, negative information should no longer be reported after the XXXX period from the date of first delinquency. The account is also listed as closed, and I am requesting that it be investigated and removed or corrected accordingly. 

Best Regards, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MO

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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Allied Enrollment Centers LLC
State: OK

Complaint narrative:
I am submitting this complaint against Allied regarding deceptive and misleading student loan services.

I was searching for student loan forgiveness assistance and found a phone number that I believed was associated with a legitimate student loan forgiveness program. When I called, I was connected to an Allied agent.

The agent told me that I had been approved for student loan forgiveness and showed me estimated payment amounts until payoff. I was pressured to sign documents electronically without being given adequate time to review them carefully.

After reviewing the documents later, I realized that what was represented verbally was not what I agreed to in writing. Instead of forgiveness, Allied placed my federal loans into forbearance and began charging me monthly fees. 

Allied has now taken two monthly payments from me, yet no payment has been made toward my actual student loan balance. I was informed that I must pay Allied for six months before forbearance would be removed. 

This was never clearly disclosed before I signed. I feel misled and deceived. 

Allied currently has access to my sensitive personal information, including my Social Security number, date of birth, email address, and phone number, which raises serious concerns about data security and misuse.

I am requesting that Allied be required to stop charging me immediately, refund all fees paid, revoke any authorization to act on my behalf, and confirm that my personal information will not be used or retained improperly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Well the first thing is I'm not sure how to take this cuz this bank doesn't even know my account is still open every time I bring this issue back up to them they tell me that my account is closed and it was enclosed on XXXX of XX/XX/year> when I send them evidence that I have an open account right now I keep getting the same answer back about the closing of account in XXXX  which they probably let somebody else open fraudulently anyways this is about my card being used on two occasions and the police I meant the manager at the restaurant said it was a woman that was using it and the other charge was from a doordash and they can't find the information from it but it wasn't my doordash and it didn't go nowhere where I was staying at I'm not sure why they found against it and they haven't told me why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
CFPB XXXX XXXX Credit Bureau XXXX I am submitting this complaint because the credit reporting agency failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) after I disputed inaccurate and unverifiable information on my credit report. 
On XX/XX/year>, I submitted a written dispute and request for reinvestigation pursuant to 15 U.S.C. 1681i regarding the continued reporting of inaccurate and unverifiable accounts, including XXXX XXXX Bank ( XXXX ), XXXX. and XXXX XXXX XXXX XXXX XXXX. My dispute was sent in writing and supported by documentation. 
More than XXXX ( XXXX ) days have elapsed since my dispute was submitted. The XXXX XXXX XXXX failed to conduct a reasonable reinvestigation within the time required by law and failed to provide written notice of the results of any reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ). 
In addition, I formally requested the XXXX of XXXX pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name, address, and telephone number of the entity that verified the disputed information, whether verification was automated or manual, and the source relied upon. The credit reporting agency did not provide this information. 
Despite having actual notice of the dispute and being afforded the statutory time to respond, the credit reporting agency continues to report the disputed information without lawful verification. This constitutes violations of 15 U.S.C. 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ), and 1681e ( b ).

I subsequently issued a Final Notice of Non-Compliance to the credit reporting agency. To date, no lawful response or correction has been made. Continued reporting without compliance demonstrates willful noncompliance with the FCRA. 
I am requesting CFPB assistance to require the credit reporting agency to either delete the inaccurate and unverifiable accounts or provide full, specific, and lawful verification in compliance with 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