vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing with a great deal of urgency and distress to dispute multiple fraudulent accounts that have appeared on my credit report as a direct result of the XXXX  Data Breach, in which my personal information, including my Social Security number, was compromised. I am a victim of identity theft, and the impact of this breach continues to cause ongoing damage to my life, and my financial stability.

Despite being completely unaware of or unaffiliated with these accounts, they are now being reported under my name and Social Security number. I did not open or authorize these accounts, and I have attached an official Identity Theft Report, as well as evidence to support this claim.

The following are fraudulent accounts linked to this situation : Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance on account : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance on account : 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 2025-10-16 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-16 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-16 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
I have found fraudulent accounts on my credit report, the accounts are XXXX XXXX opened on XXXX and XXXXXXXX XXXX XXXX XXXXXXXX, and fraudulent accounts, and fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove the fraudulent accounts and hard inquiries.

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 2025-10-16 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: TN

Complaint narrative:
In XX/XX/year>, I discovered I was a victim of identity theft when fraudulent accounts appeared on my credit reports from all three major credit bureaus ( TransUnion, Equifax, and Experian ). The fraudulent accounts included credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as a loan from XXXX, with fraudulent charges since the accounts were opened without my knowledge or consent. 

On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report Number : XXXX ) detailing the fraud and submitted fraud block requests to all three bureaus under Section XXXX of the Fair Credit Reporting Act ( FCRA ), which requires them to block fraudulent information within XXXX business days of receiving a valid request, including the FTC report and proof of identity. 

Initially, the fraudulent accounts were blocked, but XXXX or more reappeared on my credit reports shortly after. I resubmitted the requests with additional details, but the bureaus have not complied : TransUnion denied the block on XX/XX/year> ( XXXX XXXX : XXXX ), citing missing account-specific information ( despite account numbers differing across bureaus ) and account history ( e.g., possible payments or the account predating the reported fraud discovery ). They claimed it was up to the creditors to agree and initiated a XXXX investigation, but more than XXXX business days have passed without removal, violating FCRA timelines XXXX As of XX/XX/year>, the account remains on my TransUnion report, negatively impacting my XXXX XXXX and leading to unwarranted collection attempts. 

Equifax and Experian have similarly failed to permanently block or remove the reappeared fraudulent accounts despite my submissions, allowing them to persist on my reports beyond the XXXX requirement. I have not received adequate responses or resolutions from them, and the accounts continue to harm my credit. 

I have contacted the creditors fraud departments ( e.g., XXXX, XXXX XXXX ) requesting fraud confirmations and cessation of reporting, but the bureaus delays and denials have prevented resolution. This ongoing issue has caused financial stress, including denied credit opportunities and potential job impacts due to the inaccurate reports. 

I request that all three bureaus ( TransUnion, Equifax, Experian ) immediately block and remove the fraudulent accounts as required by FCRA, provide written confirmation, and correct 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 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverifiable information reported on my credit file. Upon reviewing my credit report, I identified multiple late payments and account statuses that are either inaccurate or misleading. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$62000.00} ; Date Opened : XX/XX/XXXX ; Reported late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and late 60 days XX/XX/XXXX. 
* * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ( tied up ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ( tied up ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$30.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Reported late 30 days XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ; late 60 days XX/XX/XXXX ; late 90 days XX/XX/XXXX, XX/XX/XXXX ; late 120 days XX/XX/XXXX ; late 150 days XX/XX/XXXX ( tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$470.00} ( tied up ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$41000.00} ( tied up ). 
These late payment notations are inaccurate, unverifiable, or inconsistent with my payment history. Reporting such inaccurate information violates my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute inaccurate or unverifiable information and request a thorough reinvestigation.

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 2025-10-16 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:
I am submitting this complaint to dispute inaccurate reporting on my credit file. Upon reviewing my credit report, I identified late payment information on several accounts that is either inaccurate or unverifiable, which may impact my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Late 30 days reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} ; Date Opened : XX/XX/XXXX ; Last Activity : XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Last Activity : XX/XX/XXXX ; Late 30 days reported for XX/XX/XXXX. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate, incomplete, or unverifiable information and request a thorough reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting on my credit file. Upon reviewing my credit report, I identified late payment information on several accounts that is either inaccurate or unverifiable, which may impact my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Late 30 days reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} ; Date Opened : XX/XX/XXXX ; Last Activity : XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Last Activity : XX/XX/XXXX ; Late 30 days reported for XX/XX/XXXX. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate, incomplete, or unverifiable information and request a thorough reinvestigation.

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 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Loans exited deferment XXXX, but servicer auto-extended to a later date due to LA XXXX never updated the bureaus. I was never notified by mail or email. I caught it in XXXX, still hit with XXXX late. They reinstated deferment after I called, but refused to delete Remove the mark-your system screwed up. Remove from all reports per XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I sent a {$550.00} Zelle payment through my XXXX  XXXX XXXX account to XXXX XXXX XXXX, a fraudulent XXXX pet seller. The business never provided the kitten and has been confirmed as part of an international scam network based in XXXX. 

I immediately reported the transaction to XXXX XXXX XXXX and filed a fraud claim. Despite submitting a detailed 18-page evidence packetincluding payment confirmation, screenshots of communication with the scammer, and proof of my faxed submissionthe bank denied my claim without properly reviewing my documentation. 

Zelles payment system was used to facilitate this fraud, and I am requesting that Zelle ( Early Warning Services , LLC ) and XXXX  XXXX XXXX both review this case, issue a reimbursement for the {$550.00} lost, and ensure appropriate fraud safeguards are applied in similar consumer cases. 

Case Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

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 XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX  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 2025-10-16 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: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
I am a Georgia resident. On XX/XX/year>, I applied online for a loan from Willow Lake Lending, located in South Dakota. I borrowed {$1200.00}. 
At the time of application, I was not provided with the loan terms or conditions before the funds were disbursed into my account, I never received the terms until I called and spoke with a representative. It was discovered that the loan carried an Annual Percentage Rate ( APR ) of 653.25 %, with 20 biweekly payments of {$320.00}, totaling {$6500.00} to repay a {$1200.00} loan.

This loan terms are a violation of Georgia Law. Under the Georgia Installment Loan Act ( O.C.G.A. 7-3-11 ), loans of {$3000.00} or less are capped at 10 % annual interest.

A 653.25 % APR on a {$1200.00} loan is more than 65 times the legal limit and clearly unlawful for lending to Georgia residents. Violation of Federal Law ( TILA Truth in Lending Act ). The Truth in Lending Act requires lenders to disclose the APR, finance charges, payment schedule, and total repayment amount before consummation of the loan. Willow Lake Lending disbursed funds without disclosure, depriving me of the opportunity to review and decline the terms. Predatory Lending / UDAAP Concerns Charging 653.25 % APR, failing to disclose terms in advance, and using automatic withdrawals constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ).

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 2025-10-16 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple inaccuracies and unverifiable information on my credit report, which XXXX negatively impact my creditworthiness. The following items are inaccurate or incomplete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX {$410.00} These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a reinvestigation.

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