vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: AZ

Complaint narrative:
I was notified of 2 default loans that I didn't have anything to do with. Apon further investigation I found 2 loans and someone went to XXXX XXXX XXXX. Later received a XXXX XXXX XXXXXXXX I've disputed the loans repeatedly and they still conclude that I am responsible for them. I had a XXXX XXXX XXXX XXXX while living in XXXX XXXX I had another XXXX XXXX that caused dibilitating symptoms. 

I moved back to XXXX with no knowledge of the loans. I applied for XXXX another XXXX. I couldn't have attended XXXX XXXX XXXX or XXXX XXXX XXXX because I lived in XXXX and because my limitations were and are still severe enough that it wouldn't have been nor is it now even remotely possible for me to attend college. 

I gave the Social Security Administration the records to prove the medical and residential information and they passed along the information to the Department of Education demanding they remove the fraudulent loans from my history. Unfortunately it wasn't enough for the loan servicer to remove the 2 loans from my credit report. I then contacted the Dept of Education again and it was suggested I submit a XXXX XXXX XXXX XXXXXXXX request to expunge the loans from my record. They explained that this would have absolved the person responsible instead of being held accountable. 

I believe it's wrong to allow someone to use my name to It better their life while watching my future dissolve. Please advise.This has weighed so heavily, and it's prevented me from housing, transportation and other necessities that could help me survive.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was notified of 2 default loans that I didn't have anything to do with. Apon further investigation I found 2 loans and someone went to XXXX XXXX XXXX. Later received a XXXX XXXX XXXX. I've disputed the loans repeatedly and they still conclude that I am responsible for them. I had a XXXX XXXX XXXX XXXX  while living in XXXX XXXX I had another XXXX XXXX that caused XXXX XXXX 

I moved back to XXXX with no knowledge of the loans. I applied for XXXX another XXXX. I couldn't have attended XXXX XXXX XXXX or XXXX XXXX XXXX because I lived in XXXX  and because my limitations were and are still severe enough that it wouldn't have been nor is it now even remotely possible for me to attend college. 

I gave the Social Security Administration the records to prove the medical and residential information and they passed along the information to the Department of Education demanding they remove the fraudulent loans from my history. Unfortunately it wasn't enough for the loan servicer to remove the 2 loans from my credit report. I then contacted the Dept of Education again and it was suggested I submit a XXXX XXXX XXXX XXXXXXXX request to expunge the loans from my record. They explained that this would have absolved the person responsible instead of being held accountable. 

I believe it's wrong to allow someone to use my name to It better their life while watching my future dissolve. Please advise.This has weighed so heavily, and it's prevented me from housing, transportation and other necessities that could help me survive.

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 2025-06-25 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: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I was notified of 2 default loans that I didn't have anything to do with. Apon further investigation I found 2 loans and someone went to XXXX XXXX XXXX. Later received a XXXX XXXX XXXX XXXX've disputed the loans repeatedly and they still conclude that I am responsible for them. I had a XXXX XXXX XXXX XXXX  while living in XXXX XXXX I had another XXXX XXXX that caused XXXX XXXX 

I moved back to XXXX with no knowledge of the loans. I applied for XXXX another XXXX. I couldn't have attended XXXX XXXX XXXX or XXXX XXXX XXXX because I lived in XXXX  and because my limitations were and are still severe enough that it wouldn't have been nor is it now even remotely possible for me to attend college. 

I gave the Social Security Administration the records to prove the medical and residential information and they passed along the information to the Department of Education demanding they remove the fraudulent loans from my history. Unfortunately it wasn't enough for the loan servicer to remove the 2 loans from my credit report. I then contacted the Dept of Education again and it was suggested I submit a XXXX XXXX XXXX XXXXXXXX request to expunge the loans from my record. They explained that this would have absolved the person responsible instead of being held accountable. 

I believe it's wrong to allow someone to use my name to It better their life while watching my future dissolve. Please advise.This has weighed so heavily, and it's prevented me from housing, transportation and other necessities that could help me survive.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-25 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:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name.

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful.

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: SD

Complaint narrative:
On XXXX, I was misled by a XXXX sales representative who told me I could cancel my security service at any time with no long-term obligation. Based on that assurance, I agreed to have the system installed in my home. I later learned I was bound to a XXXX service contract and a separate financing agreement with Citizens Bank for the equipment. 

I sold my home in XXXX of XXXX and have been paying for equipment that I do not use, as I reside in an apartment. I was never told that a loan was being financed, nor the price of the equipment. The sales representative stated there was a monthly fee for the equipment and service, but it could be canceled at any time. 

I am requesting that the loan be canceled. I was misled at the point of sale and feel trapped in a loan I never knowingly agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
This is not a misunderstanding or a simple oversightmy credit report contains clear and serious inaccuracies that violate the requirement to maintain the highest standard of accuracy. These erroneous entries are not only factually incorrect, but they are actively causing ongoing harm to mefinancially, emotionally, and personally. The toll this is taking on my well-being is substantial and can not be overstated. 
I am currently navigating extremely difficult circumstances, and the persistence of these false entries is only making things worse. It would be a tremendous reliefand a critical step toward restoring some measure of stability in my lifeif these inaccuracies were resolved and removed without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-25 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:
The information reporting on my credit profile is identity theft, and I am not responsible for the accounts and also the accounts are in accurate by missing account numbers and accurate amounts and dates and according to the federal fair credit act anything thats an accurate on your credit report such as missing account numbers invalid amounts, and invalid dates should be removed from your credit report according to the fair credit act

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 2025-06-25 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-25 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
Lvnv funding llc for XXXX I have dispute it because it is not accurate on my report XXXX XXXX XXXXXXXX I have dispute to of there claims one for XXXX and the other for XXXX I have contact the company three times and they cant verify the debt as mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am a victim of identity theft. I did not open or authorize the following accounts/inquiries, and I have no knowledge of them. These items were fraudulently opened or applied for using my personal information without my permission. I am requesting removal of the fraudulent accounts/inquiries from my credit report, and for a fraud alert and/or credit freeze to be placed on my file to prevent further unauthorized use of my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
HI MY NAME IS XXXX XXXX IN MY CREDIT REPORT THERE ARE 5 FRAUDULENT INQUIRIES THAT MUST BE REMOVED NOW XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM THE ONLY PERSON WHO MADE THIS STATEMENT I TALKED TO XXXX TO THE MANAGER NAME XXXX XXXX ID XXXX AND TOLD THEM THAT I UPLOADED IDENTITY THEFT REPORT AND THOSE FRAUDULENT INQUIRIES MUST BE REMOVED BUT SHE DISCRIMINATED ME AND TOLD ME " SPEAK XXXX '' AND SHE DID NOT REMOVED FRAUDULENT INQIURIES FROM MY EQUIAFAX CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CL Holdings LLC
State: WA

Complaint narrative:
I have previously disputed this debt with the credit bureaus and it was verified inaccurately. Jefferson Capital is reporting a collection account they purchased from XXXX, but they are re-aging the debt, it is showing an open date of XX/XX/XXXX and a fall-off date of XX/XX/XXXX. This debt became delinquent in XXXX and is past the 7-year limit outlined in FCRA 605 ( a ). Additionally, XXXX is still reporting a balance on the same account, creating a duplicate derogatory. I am requesting full removal of both entries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
Pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law. 

Under FCRA XXXX ( a ) ( XXXX ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within XXXX calendar days of receipt of this letter, you must immediately delete the account from all credit reports. 

FCRA XXXX ( a ) ( XXXX ) ( A ) requires furnishers to promptly remove unverifiable information. Under XXXX ( XXXX XXXX. XXXX ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under XXXX exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXX TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
b'I was a victim of identity theft, and this is another request\nto remove the information from my credit file resulting from\nalleged identity theft. Per FCRA  XXXX XXXX XXXX XXXX\nCREDIT BUREAUS are required to remove any items not later\nthan XXXX  business days after receipt. Also, the information\nprovided on some items is UNKNOWN to me and REMOVED\nfrom other bureaus, and I have doubts about their accuracy.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX  Balance XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: TN

Complaint narrative:
I was contacted about being late for a payment on a line of credit I had supposedly opened. NetCredit asked for my social security number email address physical address. I felt like it was a scam because if a company had opened a line of credit I felt like they would already have this information. I told them they had the wrong person and that I had not opened an account with them. They told me to clear everything up Id need to file a police report email it to them and after they conduct their investigation then and only then would they allow me to write letters to all effected credit bureaus and theyd initial the letters. After emailing the report I was told they couldnt except the email because it was from my work email not the one they had on file. ( Which I had to give them for them to email me the instructions to submit the report. ) I was then told I needed to give them my bank account number. I refused because they have turned me over to collections and Im not giving them anymore information to use against me. They also told me I would need to include the bank account number that was used to setup the account. I told her I didnt open an account so how could I possibly know what account number was used if it wasnt me that setup the account. My credit score has fallen XXXX points and Im in collections for a line of credit I did not open. According to them the account was opened XX/XX/year> for {$6900.00}. I was contacted in XXXX about being late for a payment. I told them it wasnt me. The account was turned over to collection and notice of right to cure default was sent on XX/XX/year>. Theyre making no attempt to correct their reckless mistake but instead are making me waste a lot of time and energy to clear my name. They obviously know the account this line of credit is connected to and arent trying to go after the person they sent the money to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: DE

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