vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: MN

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00} XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$380.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-15 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: OH

Complaint narrative:
They are reporting my student loans on my credit report wrong. Also, it's marking me as having late payments on something for 90 days when I never had a 90 day notice that my payment was due it started off with a 90 day late payment and then it's essentially growing also, I thought that my student loans was in deferment and they are not. I have worked with the student loan companies to try to help get this debt off my credit report where they have not been able to get it off, but it is showing that this is illegal to report Wrong information on my credit report I would like for this to be looked over

Company response to consumer: In progress
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
In XXXX XXXX XXXX, I was scheduled an auto debit payment to Sallie Mae for the amount of {$730.00}. I spoke with my account manager a Sallie Mae agent/ representative who told me that I could cancel my auto debit payment for that day on XX/XX/XXXX, and reschedule it for a later date. Once rescheduled for a later date ( XX/XX/XXXX ), the auto debit still went through and overdrafted me in fees of {$120.00} ( in the form of courtesy fees ) which Sallie Mae is now not trying to payback. The payment was still scheduled for the XXXX of XXXX and no one wanted to take the blame. It was the account managers fault at Sallie Mae, who told me the wrong information which resulted in a payment that wasnt supposed to take place. Also I spoke with a manager at Sallie Mae who pulled the call and claimed that the auto debit was not cancelled, and if it was cancelled, I could have received my refund. The only reason I didnt cancel my auto debit is because I was told once again by a Sallie Mae representative that it would be best to leave the auto debit and that it wouldnt charge if it was ever a circumstance where I didnt have the sufficient funds. In this case I didnt on XX/XX/XXXX, which is why I switched my payment date to the XXXX of XXXX, only to still be charged on the XXXX, put in overdraft and stuck with additional fees I have to pay off for a position I didnt put myself in. This is a common conception with Sallie Mae where all representatives are on different pages and are always giving out wrongful information, or better yet providing information you may not have known for said programs you are enrolled in under the company.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-15 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:
This account listing does not accurately reflect my payment record and appears mistaken. Kindly investigate and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: OR

Complaint narrative:
American credit acceptance has said that I missed payments. XXXX, XXXX, XXXX of this year, and I did not. So then I started doubling up payments and paying them a lot of money like {$1000.00} a month and then I'm still behind and I can't get caught up now. They have insurance on the car because I had to take the insurance off cause the car doesn't run and I've told them that several times and they still have the insurance, which is making the cost of it go up the car and doesn't run, they tried to repress it before not too long ago and it's stuck in my backyard and can't get out. I've asked for a copy of all the stuff. I asked fir a copy of the payment history and then the contract The loan contract is incorrect. It says that there is a {$2500.00} warranty on the car which I had taken off right out of the gate. So I've been paid interest on the {$2500.00} since day. One and I've never had the warranty. It was paid back to them also. They have been rude. I've asked several times for the payment history. Print out and loan contract and they would not give it to me up until just recently after reviewing conteact i have learned that they never took the XXXX XXXX XXXX dollar warranty off of the overall cost of the car, so i've been paying interest on it as well on theXXXX warranty. I never had and didn't want. It was a 73 month contract on the XXXX XXXX XXXX  I bought the vehicle neatly 3 years ago and I don't see how a bank would loan on a car over XXXX XXXX XXXX and having bad credit for 73 months is unheard of I had bad credit at that time and now they really screwed my credit score up I was building my credit. It was at XXXX now under XXXX. I want a fair rate APRA I think because of all they've done and how they've violated my consumer protection rights signed by XXXX XXXX XXXX in XXXX, saying the consumer has the right to be informed. Be heard and be treated with respect. I've been violated in all those ways.I think they should have to refinance, the vehicle themselves given lower XXXX and fix my credit if I wouldn't have known the history of what the company has done to other people in the past, I probably wouldn't have got in the car it wasted. I am way over what they got into the car {$9000.00} down plus over {$13000.00} in payments made on an {$18000.00} car. That wasn't, it's not even worth XXXX when I bought it? And it's over XXXX XXXX XXXX, this is not right? with a lower payment lowering PR and start over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-10-15 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XXXX XXXX XXXX LVNV Funding LLC reported a new collection account to my credit report without any prior notice or validation of the alleged debt. I never received a written validation notice, contract, or proof of ownership from LVNV Funding or its affiliate Resurgent Capital Services before this negative item appeared. This reporting immediately lowered my credit score by approximately XXXX points. 

I requested validation of the alleged debt, including the original creditor information and proof of assignment, but have not received any response or supporting documentation. Reporting an unverified or inaccurate debt to the credit bureaus without proper validation violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

I am requesting that LVNV Funding provide full verification and proof of the alleged debt or immediately delete this collection account from all credit bureaus and cease any further reporting activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
Identity Theft Block Request Letter ( For use under 15 U.S.C. 1681c-2 ) Your Name : [ XXXX XXXX XXXX XXXX Address : [ XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ] Phone : [ ( XXXX ) XXXX ] Email : [ XXXX ] Date : [ XX/XX/XXXX ] Subject : Request to Block Identity TheftRelated Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) I am writing to formally dispute and request the blocking of information resulting from identity theft as provided by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

I have recently reviewed my credit report and identified certain information that does not belong to me and appears to be the result of identity theft. 

Accounts to Be Blocked : Creditor Name : XXXX XXXX Date Reported : XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX  Date Reported : XXXX XXXX, XXXX Explanation : This account was opened or used fraudulently without my authorization.

Request : Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this information within 4 business days of receiving this request and documentation. 

Please also provide written confirmation once the block has been applied, including notice that you have informed the furnishers of the affected information pursuant to 1681c-2 ( b ). 

Thank you for your prompt attention to this matter. Please send confirmation of your actions to the address listed above. 

Sincerely, 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 2025-10-15 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: IL

Complaint narrative:
There are errors being reported on my credit file.

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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have identified late payment entries on my credit report that I believe are inaccurate. In compliance with 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear on my report. I am requesting verification of these entries, and if they can not be substantiated, they should be corrected or removed.

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 2025-10-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I have been trying for weeks to submit my mortgage payment, but there seem to be issues with the mortgage company 's website, or possibly my browser. After weeks of trying different browsers, different times of day, attempting to email the company, attempting to send a message via the user portal, attempting to contact customer service via live chat, attempting to find a phone number on the website to call to speak to someone, all of the options mentioned above are no longer available. Through searches on the internet, I was made aware this is not an issue unique to me & that many people are having this exact same issue. Due to the mentioned issues with the mortgage company no longer providing an avenue to submit my mortgage payment, my payment is now late, putting me at risk of default & of having a negative impact on my credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am submitting this complaint under FCRA XXXX ( XXXX U.S.C. XXXX ) because my personal information was compromised in the XXXX  data XXXX. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( XXXX ) auto loan ( XXXX ) Personal loan account ( XXXX ) XXXX or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX  data XXXX  be permanently removed from my credit file within XXXX business days in accordance with FCRA 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief