vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Name : XXXX XXXX Customer ID Date Of Birth : XXXX : ID Type : ID Number : Address : Early Warning Sevices LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Sytems consumer report. I have NEVER opened or used the following account numbers Bank : XXXX XXXX ( Open XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX ( Open XXXX XXXX Account # XXXX Routing # XXXX Bank : XXXX XXXX ( Open XXXX ) Account # XXXX XXXX # XXXX Bank : XXXX ( Open XXXX ) Account # XXXX Routing # XXXX Bank : XXXX  ( Open XXXX ) Account # XXXX Routing # XXXX Bank : XXXX ( Open XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. I am a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information to be deleted from my Early Warning Consumer Report immediately! Ive attached a copy of the report to this request Thank you for your assistance. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: AZ

Complaint narrative:
I am filing this complaint because TransUnion is reporting three collection accounts from XXXX XXXX XXXX on my credit report that I do not recognize and never did business with. 

To be very clear, I have never opened, applied for, or agreed to any account with XXXX XXXX XXXX or XXXX XXXX XXXX. I never did business with these companies at any point. Seeing these accounts on my credit report feels like being billed for something I never ordered. 

The accounts being reported by TransUnion are : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  All three accounts are being reported as collections, even though they do not belong to me. 

Under the Fair Credit Reporting Act, TransUnion is required to ensure the information it reports is accurate. If an account can not be verified as mine, it should not be reported. Simply marking these accounts as disputed while continuing to list them does not make them accurate. 

TransUnion has not provided any proof that I am responsible for these accounts no signed agreement, no application, and no clear evidence that I ever authorized or owed these debts. Reporting multiple collection accounts from the same debt buyer without proof is misleading and damaging. 

These inaccurate collections are hurting my credit, affecting my financial opportunities, and making my consumer profile look unreliable for debts that are not mine.

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 2025-12-27 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: AZ

Complaint narrative:
I have challenged a few accounts on my report. I have done this XXXX different times, starting in XXXX XXXX. I have requested documents used to verify that the account is reporting correctly. 
On all occasions, the statement is correct, and no changes will be made. Most are started and fished the same day. No information is available on how or what documents were viewed. Just stating verified is not enough ; I want to see all documents used in this matter. 

This is my last step before seeking legal help. 

I have copies of all XXXX letters sent.

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 2025-12-27 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: AZ

Complaint narrative:
I have challenged a few accounts on my report. I have done this XXXX different times, starting in XXXX XXXX. I have requested documents used to verify that the account is reporting correctly. 
On all occasions, the statement is correct, and no changes will be made. Most are started and fished the same day. No information is available on how or what documents were viewed. Just stating verified is not enough ; I want to see all documents used in this matter. 

This is my last step before seeking legal help. 

I have copies of all XXXX letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: OH

Complaint narrative:
I am sending this complaint because every credit report tells a story, and mine deserves to be told accurately. When I opened my account with XXXXXXXX XXXX XXXX on XX/XX/XXXX, with a balance of {$10000.00}, I did so with the clear intention of honoring my obligations and maintaining a record that reflected responsibility and trust. From the very beginning, I made payments in good faith, including the most recent one on XX/XX/XXXX. Yet, despite my efforts, the way this account is currently reported does not reflect the reality of my commitment. The entries on my file show late payments XXXX days late in XX/XX/XXXX, XXXX days late again in XX/XX/XXXX, XXXX days late in XX/XX/XXXX, and XXXX days late in XX/XX/XXXX. This sequence of reporting paints a picture of neglect, but that is not the true story of this account. The truth is that payments were made and the account was managed with the intent to fulfill the agreement. The reporting as it stands now misrepresents the relationship I had with this creditor and the way the account was handled. The Fair Credit Reporting Act was designed to protect consumers from exactly this kind of misrepresentation. Under 15 U.S. Code 1666, creditors are required to investigate and correct billing errors when they are brought to their attention. Under 1666a, they are restricted from continuing to report disputed information without proper investigation. The law also places obligations on credit bureaus themselves : CRA 611 ( 15 U.S.C. 1681i ) requires that when a consumer disputes inaccurate information, the bureau must reinvestigate and correct the record. Furthermore, furnishers of information have duties under FCRA 623 ( a ) ( 2 ) to ensure that what they report is accurate and updated, and under 623 ( b ) they must investigate disputes and provide corrected information once notified.

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 2025-12-27 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$130000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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: FL

Complaint narrative:
I am reaching out once again regarding multiple credit inquiries on my reports with Experian, Equifax, and TransUnion that were conducted without my knowledge or consent. Despite my previous two requests, these unauthorized inquiries remain on my credit files, and I am formally requesting their permanent removal. The continued presence of these entries undermines the accuracy of my credit reports and violates my rights under federal law. 
On my Experian report, the inquiry from XXXX XXXX dated XX/XX/XXXX is listed without my authorization. On my Equifax report, I have identified the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XX/XX/XXXX XXXX unauthorized. My TransUnion report contains similar discrepancies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX None of these inquiries were initiated, requested, or authorized by me, and they have no permissible purpose under law. 
These inquiries are in clear violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). Their continued reporting has caused undue concern regarding the accuracy of my credit file and could negatively affect my ability to obtain credit. I am requesting that all of these unauthorized inquiries be removed immediately and permanently from my credit reports.

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 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this follow-up CFPB complaint to formally dispute and demand the immediate and permanent removal of numerous unauthorized, inaccurate, and misleading credit inquiries that continue to appear on my credit reports with Experian, Equifax, and TransUnion, despite prior disputes. The continued reporting of these inquiries violates my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which strictly limit access to consumer reports to transactions with a valid and documented permissible purpose. 

After carefully reviewing my credit files, I identified numerous inquiries that were not authorized by me, do not correspond to any legitimate credit application, or were inaccurately reported as hard inquiries. These inquiries create a misleading record of my credit activity and falsely suggest excessive or reckless credit seeking. Their continued presence has negatively affected my credit score, impaired my ability to obtain credit on fair terms, and caused ongoing financial harm. 

On my Experian credit report, unauthorized inquiries include entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX multiple auto dealerships and finance companies dated XX/XX/2024, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others listed with dates that do not align with any credit activity initiated by me. 

On my Equifax credit report, similarly unauthorized inquiries appear from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. 

My TransUnion credit report also reflects unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, multiple auto lenders and dealerships dated XX/XX/2024, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX none of which were properly authorized or supported by a permissible purpose. 

Many of these inquiries were made without my explicit consent, and several appear duplicative or improperly categorized as hard inquiries. Reporting these inquiries as hard pulls is misleading and inconsistent with the Fair Credit Reporting Act, as it inaccurately portrays my credit behavior and unfairly 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 2025-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC
State: NY

Complaint narrative:
XXXX XXXX participated in fraudulent billing practices, adding additional charges after the original billing statements with no actual proof of electricity use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out once again regarding multiple credit inquiries on my reports with Experian, Equifax, and TransUnion that were conducted without my knowledge or consent. Despite my previous two requests, these unauthorized inquiries remain on my credit files, and I am formally requesting their permanent removal. The continued presence of these entries undermines the accuracy of my credit reports and violates my rights under federal law. 
On my Experian report, the inquiry from XXXX XXXX dated XX/XX/XXXX is listed without my authorization. On my Equifax report, I have identified the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XX/XX/XXXX XXXX unauthorized. My TransUnion report contains similar discrepancies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX None of these inquiries were initiated, requested, or authorized by me, and they have no permissible purpose under law. 
These inquiries are in clear violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). Their continued reporting has caused undue concern regarding the accuracy of my credit file and could negatively affect my ability to obtain credit. I am requesting that all of these unauthorized inquiries be removed immediately and permanently from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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 reaching out once again regarding multiple credit inquiries on my reports with Experian, Equifax, and TransUnion that were conducted without my knowledge or consent. Despite my previous two requests, these unauthorized inquiries remain on my credit files, and I am formally requesting their permanent removal. The continued presence of these entries undermines the accuracy of my credit reports and violates my rights under federal law. 
On my Experian report, the inquiry from XXXX XXXX dated XX/XX/XXXX is listed without my authorization. On my Equifax report, I have identified the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX XX/XX/XXXX XXXX unauthorized. My TransUnion report contains similar discrepancies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX None of these inquiries were initiated, requested, or authorized by me, and they have no permissible purpose under law. 
These inquiries are in clear violation of FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). Their continued reporting has caused undue concern regarding the accuracy of my credit file and could negatively affect my ability to obtain credit. I am requesting that all of these unauthorized inquiries be removed immediately and permanently from my credit reports.

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 2025-12-27 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: TN

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting. 

The XXXX XXXX XXXX collection account was disputed multiple times. As a result of these disputes, Experian deleted the account due to inability to verify, and TransUnion has also deleted the account. 

Despite this, Equifax continues to report the XXXX XXXX XXXX account. During reinvestigation, Equifax updated multiple data fields rather than deleting the account, indicating the information was not accurate as previously reported. 

Equifax has not demonstrated that it conducted an independent and reasonable reinvestigation, especially in light of the deletions by Experian and TransUnion. Continued reporting by Equifax is inconsistent, misleading, and harmful. 

I am requesting permanent deletion of the XXXX XXXX XXXX tradeline from my Equifax credit report as the appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am filing a formal complaint regarding the mishandling of my Public Service Loan Forgiveness ( PSLF ) account, including the deletion of qualifying payments and repeated failures to correct the issue despite multiple assurances from Federal Student Aid and my loan servicer. 

I reached XXXX qualifying payments and became eligible for Public Service Loan Forgiveness in XX/XX/XXXX. My PSLF application was later approved in XX/XX/XXXX. However, my qualifying payment history from XX/XX/XXXX through XX/XX/XXXX was subsequently removed from my account. 

When I contacted Federal Student Aid in XX/XX/XXXX, I was informed that the missing payments would be reinstated by XX/XX/XXXX. Since that time, I have contacted StudentAid.gov repeatedly and have been given shifting explanations and timelines each month, none of which resulted in correction of my account. Despite multiple assurances, my qualifying payments have never been restored. 

I have submitted multiple formal complaints and reconsideration requests, all of which were closed without resolution : Feedback Case # XXXX Submitted XX/XX/XXXX Feedback Case # XXXX Submitted XX/XX/XXXX Feedback Case # XXXX Submitted XX/XX/XXXX Feedback Case # XXXX Submitted XX/XX/XXXX Feedback Case # XXXX Submitted XX/XX/XXXX In addition, I submitted a PSLF reconsideration request that has now been pending for nearly a year without resolution. 

Despite meeting all statutory requirements for forgiveness and receiving confirmation of eligibility, my account continues to reflect missing qualifying payments, preventing discharge of my loans. This prolonged delay has caused financial hardship and unnecessary stress and reflects a failure to properly administer the XXXX program. 

I am requesting the following actions : 1. Immediate restoration of all qualifying payments from XX/XX/XXXX through XX/XX/XXXX. 
2. Immediate processing of my approved Public Service Loan Forgiveness. 
XXXX. A written explanation detailing why my qualifying payments were removed and why repeated assurances of correction were not honored. 

I am attaching documentation showing my PSLF approval, employment certification, payment history, and prior complaints.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-27 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:
I am submitting to follow up on my previous disputes regarding my Equifax, TransUnion and Experian credit report. This marks my second formal dispute, as several inaccuracies I have identified remain unresolved despite my prior communications and submissions of documentation. I am extremely frustrated that these disputed accounts and errors are still present on my credit file, causing continued confusion and potential harm to my creditworthiness. I am formally requesting a thorough reinvestigation of all disputed items and expect prompt action to correct or delete any information that is incomplete, inaccurate, or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i, which entitles consumers to dispute such information and receive timely corrections. 
Additionally, I rely on FCRA 623 ( a ) ( 2 ) regarding the duty of furnishers to report accurate information, as well as FCRA 1666 and 1666a, which govern the correction of billing errors and creditor obligations during disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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