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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MOHELA
State: MS

Complaint narrative:
My students loans was breached to a third part without my permission. I contacted several companies about this matter. They approved XXXX of my loans and denied the others. I also contacted XXXX about this issue

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

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX XXXX Amount : {$440.00} Date XXXX XXXX ) XXXX XXXXXXXX Amount : {$460.00} Date XXXX XXXX ) XXXXXXXX XXXX XXXX Amount XXXX {$880.00} Date XXXX XXXX ) XXXX XXXX LLC Amount : {$500.00} XXXX XXXX XXXX ) SXXXX XXXX XXXX Amount : {$470.00} Date XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : XXXX Date XXXX XXXX XXXX XXXX XXXX  XXXX Amount : XXXX Date XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : {$520.00} Date XXXX XXXX ) XXXX Amount : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Amount : {$880.00} Date XXXX XXXX ) XXXX XXXX XXXX Amount : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX Amount : {$1300.00} Date XXXX XXXX ) XXXX XXXX Amount : {$390.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX PATES XXXX ) XXXX XXXX XXXX INQURIES LISTED XXXX NO PERMISSIBLE XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain. 

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX XXXX Amount : {$440.00} Date XXXX XXXX ) XXXX XXXXXXXX Amount : {$460.00} Date XXXX XXXX ) XXXXXXXX XXXX XXXX Amount XXXX {$880.00} Date XXXX XXXX ) XXXX XXXX LLC Amount : {$500.00} XXXX XXXX XXXX ) SXXXX XXXX XXXX Amount : {$470.00} Date XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : XXXX Date XXXX XXXX XXXX XXXX XXXX  XXXX Amount : XXXX Date XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX : {$520.00} Date XXXX XXXX ) XXXX Amount : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Amount : {$880.00} Date XXXX XXXX ) XXXX XXXX XXXX Amount : XXXX Date XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX Amount : {$1300.00} Date XXXX XXXX ) XXXX XXXX Amount : {$390.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX PATES XXXX ) XXXX XXXX XXXX INQURIES LISTED XXXX NO PERMISSIBLE XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I purchased an item through XXXX using PayPal for {$180.00}. The seller uploaded a XXXX tracking number that shows delivered, but XXXX confirmed verbally it was delivered to a different address in XXXX, Utah, not my address in XXXX, Utah ( XXXX ). 

I sent screenshots and XXXX confirmation to PayPal, but they still closed the case in the sellers favor because tracking showed delivered. Later, the seller added a XXXX tracking number even though nothing was ever shipped through XXXX. 

After the dispute closed, I checked the sellers reviews and discovered many other buyers reported the same scam pattern fake tracking numbers and no delivery. 

XXXX cant print proof because of privacy policy, but they confirmed the mismatch verbally. Im not trying to defraud anyone I just want a refund for an item that was never delivered. PayPal and my bank both denied my claim even with this evidence.

I respectfully request that PayPal reopen and review this case, verifying the destination city for the XXXX tracking and the sellers fraud pattern.

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

Complaint narrative:
I am submitting to formally dispute the reporting of several XXXX and XXXX XXXX accounts on my credit report that I have determined to be inaccurate. Several of these XXXX accounts, while representing the same underlying account, are being reported with different balances and overlapping late payment histories. For example, one XXXX  account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, is reported with a balance of {$2900.00}, while another report of the same account shows a balance of {$14000.00}, and yet another shows {$9600.00}. 
Similarly, other XXXX accounts opened between XXXX and XXXX are reporting differing balances but show identical patterns of late payments, including 90 days late in XX/XX/XXXX and XXXX XXXX 120 days late in XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9600.00} Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute information that I believe to be inaccurate, incomplete, or unverifiable. The credit bureau is required to conduct a reasonable reinvestigation of these accounts, including contacting the account furnishers to verify the correct balances, late payment history, and overall account status. Any inaccuracies discovered must be corrected and updated to accurately reflect my financial records.

Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I reviewed my consumer reports and noticed that I have two payments on the account that I was never late for. Consumer reporting agencies have assumed a vital roll and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts : ( ALLY/FINANCIAL ) : ( XXXX ) ; please investigate and provide proof with statements showing that the payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late thank you.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: NY

Complaint narrative:
While enrolling at XXXX XXXX, I was told by the schools financial-aid staff that signing the provided paperwork was necessary to secure my financial-aid package. At no time did they clearly disclose that some of these loans were private Signature Student Loans, not federal loans. 

I was led to believe all financing was part of the federal aid process. Only later did I learn that these were privately funded loans with no federal protections, no forgiveness options, and double-digit interest rates. 

The same deceptive enrollment and financing practices that led to my federal loan discharge appear to have been used to push students into high-cost private loans. These tactics were misleading and deceitful. 

Loan Details Signature Student Loan # XXXX Approx. {$32000.00} at 13.25 % interest Signature Student Loan # XXXX Approx. {$21000.00} at 9.25 % interest Servicer : MOHELA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I am not liable for this debt. I do not have a contract with Credit Corp Solutions Inc. On XX/XX/XXXX, I received a vague phone call from their offices by a gentleman named XXXX with no details or verifying account identification provided. He stated he had sent me a text message XXXX days prior. I did not receive any text message. I receive voice messages like these about XXXX times a month, with the majority of them being SPAM or fraudulent. I received no further communication or details before Credit Corp Solutions posted a Collections Account to my credit file ( causing a XXXX point drop ). As a victim of identity theft due to the XX/XX/XXXX( XXXX ) and XX/XX/XXXX ( XXXX ) Data Breaches, I assert that XX/XX/XXXX did not complete due diligence in verifying this data before allowing it onto my credit report. My personal data ( name, SSN, address, phone, etc. ) has been sold on the dark web. I have filed a police report and several FTC and CFPB complaints attesting to this fact. I request that Credit Corp Solutions validate the debt by sending a copy of the original contract, chain of custody for the account ( so that I may determine the original debtor ), and all corresponding account statements including all fees and fines assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KY XXXX Phone : XXXX Last four of SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2025 To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX and Spring Oaks Capital , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX XXXX : Combined Method of Verification and Debt Validation Request Disputed Account Reporting Dear XXXX  and Spring Oaks Capital, I am contacting both parties concerning the account reported by Spring Oaks Capital , LLC ( original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX showing a balance of {$1300.00}. This account appears on my XXXX  credit report as a Debt Buyer Account and is marked as Consumer Disputes This Account Information. 
XXXX  reinvestigation results ( Confirmation XXXX XXXXXXXX ) indicated that historical account information was deleted from this account, and the following fields have been modified : additional information, date of major delinquency. While I appreciate the update, I continue to dispute the remaining account information as inaccurate and incomplete.

Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I request that XXXX  provide the complete method of verification used during this reinvestigation, including : - The name, address, and telephone number of the furnisher that verified the information. 
- The specific documentation or data used to verify the accuracy of this account.

Additionally, under Section 809 of the Fair Debt Collection Practices Act ( FDCPA ), I request that Spring Oaks Capital provide full validation of the debt, including : XXXX. A copy of the original signed agreement or contract from XXXX XXXX XXXX XXXX 
XXXX. The chain of title or assignment documents showing your legal ownership of this account. 
XXXX. A complete itemization or accounting of the {$1300.00} balance. 
XXXX. Proof that XXXX XXXX XXXX is licensed to collect debts in my state. 
Until full verification and validation are provided, please cease all reporting or collection activity related to this account. If you are unable to provide the required documentation within 30 days, I respectfully request that XXXX  delete this account from my credit file and that XXXX XXXX XXXX notify XXXX  to remove the tradeline as unverified. 
Thank you for your cooperation. Please send all responses and documentation to my mailing address listed above. 
Sincerely, XXXX XXXX Phone : XXXXXXXX Last four of SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
I was a victim of data breach. Based on the information provided, Equfax, TransUnion and Experian records indicate my personal information was impacted by this data breach incident. " I recently learned about the TransUnion data breach, and under the FCRA, Proof of my assigned engagement number XXXX I'm requesting to verify and remove all inquiries on all XXXX credit reporting agencies, that can not be confirmed directly by the furnisher. '' Proof I gave permission to request my credit report in the past XXXX  years be deleted..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I was a victim of data breach. Based on the information provided, Equfax, TransUnion and Experian records indicate my personal information was impacted by this data breach incident. " I recently learned about the TransUnion data breach, and under the FCRA, Proof of my assigned engagement number XXXX I'm requesting to verify and remove all inquiries on all XXXX credit reporting agencies, that can not be confirmed directly by the furnisher. '' Proof I gave permission to request my credit report in the past XXXX  years be deleted..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im having negative records on Early Warning Services about this company but i don't recognize this account! Its identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Upon reviewing my credit file, I identified an inaccuracy reported on my open account with XXXX XXXX XXXX ( Account # XXXX ). This account currently reflects a balance of XXXX XXXX  and has been marked with a late payment notation that does not accurately reflect my verified payment history. This erroneous reporting misrepresents the true standing of my account and negatively impacts the accuracy of my credit profile. 
My records confirm that all payments for this account have been made on time and in accordance with the agreed terms. The late entry reported is not supported by any documented delinquency or delay in payment processing. It appears that this inaccuracy may have resulted from a reporting or system posting error rather than any legitimate lapse on my part. Therefore, I am requesting that this account be corrected and updated to show its accurate on-time payment history and current status in full compliance with the Fair Credit Reporting Act ( FCRA ).

Under FCRA 607 ( b ), furnishers of credit information are required to maintain the maximum possible accuracy of all data they report. Additionally, FCRA 623 ( a ) ( 2 ) mandates that once an inaccuracy is identified, it must be promptly corrected and updated to ensure fair and truthful reporting. Finally, FCRA 611 ( a ) guarantees my right as a consumer to request reinvestigation and correction of any incomplete or unverifiable information appearing on my file.

Company response to consumer: Closed with explanation