vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
I am filing this complaint because Experian and Equifax has reinserted a fraudulent auto loan from XXXX ( account number ending in XXXX ) that was previously removed due to a verified identity theft claim. I submitted an FTC Identity Theft Report and supporting documents, including my ID, utility bill, and a police report. The account was deleted after my original dispute, but it was later reinserted without any written notice as required by the FCRA. 

The account now shows as open and past due with a balance of {$9200.00}, despite the fact that it was already proven to be fraudulent. This is a violation of FCRA 605B and 611 ( a ) ( 5 ) ( B ), which require permanent blocking of fraudulent items and written notice if any deleted data is reinserted. I was never notified. 

This account is negatively impacting my credit and causing serious harm as Im in the process of purchasing a home. I am requesting immediate deletion of the XXXX account and that Experian and equifax be held accountable for reinserting a blocked identity theft item.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all three still show as XXXXXXXX XXXX on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have asked already to remove as XXXX, XXXX and delete from each of of their credit reports. As of today all three still show as XXXX XXXX on their credit reports. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to notify you that an account has been fraudulently opened in my name without my knowledge or authorization. I am a victim of identity theft, and I did not open, authorize, or benefit from any transactions on this account. Additionally, my personal bank account has been compromised as part of this identity theft incident. 
Please be advised that this is an identity theft claim, not a billing dispute. Under federal law, you are required to treat this matter as fraud, block any unauthorized accounts or charges, and ensure that no negative information is reported to credit bureaus. 
Pursuant to the Fair Credit Billing Act and Truth in Lending Act ( 15 U.S.C. 16661666b ), as well as 12 C.F.R. 226.12 ( b ) and 226.13,

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MN

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-29 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: MOHELA
State: CA

Complaint narrative:
I have been applying for the income based repayment program ( IBR ) since XX/XX/year>. The loan is supposed to be in forbearance. At XXXX point the loan ( under XXXX 's management ) fell out of forbearance, they didn't tell me, didn't give me an option to put it back into forbearance and they still qualified me under the XXXX program for a $ XXXX payment due to my low-income status. 

Now they are sending me a monthly statement for a " late fee '' of {$320.00}. I can not pay this late fee, if I did, the amount would be attributed to the loan balance. The late fee must be paid at the end of the loan payment process. 

I have asked them to waive it. They will not. Now they are harassing me every month with this " late fee '' statement. 

I respectfully request that the late fee be dismissed and the monthly statements cease. 

How can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-29 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:
Hello CFPB, I am submitting this formal complaint against Experian, Equifax, and TransUnion for violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). My personal and account information has been shared and reported without my consent or proper notification, and I was not given the legally required opt-out option. Additionally, the credit bureaus are reporting inaccurate and unverified information, which further violates federal law. They all have been sent letters regarding my worries. I've also filed a complaint with the Federal Trade Commission. Everything is attached to this complaint. I am demanding the immediate and permanent deletion of all student loan accounts currently being reported, and I request full enforcement of federal consumer protection laws concerning consent, data privacy, and dispute resolution.

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 2025-07-29 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: TX

Complaint narrative:
I am writing to formally request the removal of a AUTO LENDER account listed under my credit report. Upon reviewing my credit report, I have found that this account named XXXX XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, 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 non-monetary relief
Consumer complaint received 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIAN credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections - XXXX - XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-29 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: TN

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 2025-07-29 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: VA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-07-29 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 filing a formal complaint regarding a charged-off account from XXXXXXXX XXXX XXXX XXXX XXXX on my credit reports. 

The account is listed as charged off, but there is no specific charge-off date, which is a required detail under the Fair Credit Reporting Act ( FCRA ). 

Additionally, the report shows a last payment made in XX/XX/XXXX, but the account was marked as closed and charged off in XX/XX/XXXX, creating clear inconsistencies in the reported information. 

I have already contacted the credit bureaus for verification, but the information provided remains vague and unverifiable. This account is negatively impacting my credit history and contains incomplete and inconsistent data. 

I am requesting that this account be either fully validated with accurate and complete documentation, including the exact charge-off date, or removed entirely from my credit reports across all credit bureaus. 

I also request that this matter be investigated and that the data furnisher be required to comply with FCRA accuracy standards. 

Thank you for your attention.

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 2025-07-29 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 writing to formally file a complaint regarding multiple fraudulent credit inquiries and accounts that have been reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. I have submitted an FTC Identity Theft Report ( Report XXXX XXXX  ) confirming my identity theft and outlining the fraudulent entries. 

Details of Fraudulent Activity : The following unauthorized hard inquiries and/or accounts appeared on my credit reports without my knowledge or consent : EQUIFAX : XXXX of XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) TRANSUNION : XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ) These entries violate my rights under the following FCRA provisions : 1681b ( c ) Credit reporting agencies are only permitted to furnish a consumer report for specific permissible purposes, such as with the consumers written instruction. No such instruction was ever provided by me. 
1681c-2 I have provided proof of identity theft ( FTC Report attached ), and I formally request that all credit bureaus block and remove these entries from my file immediately.

1681i ( a ) ( 5 ) If disputed information is found to be inaccurate or unverifiable, the credit bureau must delete it within 30 days. 

What I Am Requesting : XXXX. Immediate investigation into the entities listed above who obtained or reported information fraudulently.

2. Removal of all fraudulent inquiries and/or accounts from my credit reports with Equifax, TransUnion, and XXXX.

3. A formal notice of the results of your investigation and any corrective actions taken.

I have included a copy of my FTC Identity Theft Report as required under FCRA 1681c-2 ( a ) as well as my contact details for further communication. 

Please consider this a formal complaint under the jurisdiction of the CFPB, and treat it with urgency and in accordance with applicable federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like tis item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Sectin 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation 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 explanation
Consumer complaint received 2025-07-29 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute this. XXXX  XXXX XXXX  debt collection. Which XXXX XXXX has I believe wrongfully obtained on behalf of my mistaken identity. Account XXXX XXXXXXXX I have never provided my signature or consent for this matter. I have reviewed the documentation associated with this item and found that there is no valid signature or authorization from me. I never applied for, agreed to, or signed any documents related to this account/service. This appears to be either a case of mistaken identity, clerical error, or potentially fraudulent activity. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I also request that all records related to this account be reviewed for any wet signature or proof of authorization bearing my name which you will not find. I believe my identity may have been lost in a data breach and would like this properly removed and taken care of.

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