vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This dispute is for TransUnion, TransUnion have not been doing proper investigation my dispute been coming back validated from a coming that dont own the debt .Therefore TransUnion has not followed the law according to usc 1681 ( I ) cause if they had they would know that XXXX XXXX cant validate debt because its not theres to. By now Ive should have know the real company Ive been dispute for over 8 months. See attachment to see that XXXX XXXX cant validated that debt because they dont own it

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 2025-08-26 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: VA

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
XXXX sold student loan to Mohela. I had 3 months left on loan so I paid it off with Mohela. Reported to credit bureau as late 60 days after balance was paid and listed as XXXX. Dropped my score by a lot

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report contains multiple inaccuracies regarding addresses, accounts, and unauthorized inquiries. These errors are damaging my credit reputation and violating my consumer rights. I request immediate investigation and permanent deletion of the following items. 

Address XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Law : FCRA 604 and 607 ( b ) require accurate reporting of consumer information Issue : This address is inaccurate and not connected to my verified identity or financial responsibility Story : This wrong address has been mixed into my credit file without proper validation. Having this false address attached to me creates confusion during identity verification and has caused delays in credit applications. It gives lenders the impression that I have unstable residency, which is damaging to my credibility. I demand its removal. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Law : FCRA 607 ( b ) requires maximum possible accuracy in reporting consumer information Issue : This address does not belong to me and was reported without my consent or verification Story : I never resided or conducted business at this address. Its presence suggests fraudulent or mixed-file activity. Because of this listing, I have faced suspicion from creditors and have been denied opportunities due to questions of identity inconsistency. This has caused unnecessary stress and financial harm. I demand deletion. 

Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment Law : FCRA 602 ( A ), 607 ( b ), and 611 ( a ) require fair, accurate, and verifiable reporting of consumer accounts Issue : This account is reporting late payments inaccurately when no balance is owed and no verified delinquency exists Story : Reporting this account as late while the balance is {$0.00} creates a false impression of irresponsibility. Lenders see this and assume I failed to pay when in reality no active debt exists. This misinformation has directly impacted my ability to qualify for affordable financing and has resulted in higher interest rates. This is unfair, harmful, and violates my right to accurate reporting. I demand reinvestigation and correction. 

I request the CFPB to fully investigate these inaccurate addresses, erroneous account information, and unauthorized inquiries. These errors violate the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am asking for the immediate correction and deletion of all disputed items to restore accuracy to my credit file and prevent further harm.

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 2025-08-26 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: LA

Complaint narrative:
I am filing this complaint because Equifax is reporting multiple inaccurate and unverifiable entries on my credit file, and despite my disputes, they have failed to correct or remove them. One of the accounts being reported is with XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a reported high credit of {$15000.00}, which is listed as a charge-off. I have never been provided any signed contract, loan agreement, or documentation proving that I am legally responsible for this debt, yet Equifax continues to report it as valid. 

Equifax is also reporting a collection account with XXXX XXXX, original creditor XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, with a balance of {$620.00} and a date opened of XX/XX/XXXX. I have no knowledge of this account and no relationship with either XXXX XXXX or XXXX XXXX. I have never received any validation notice or documentation for this debt, and its presence on my credit report is false and damaging. 

Additionally, there is an inquiry from XXXX dated XX/XX/XXXX, which I did not authorize. I never granted written consent for this company to access my credit file, and no proof of authorization has been provided. This inquiry is unauthorized and should not have been permitted under the Fair Credit Reporting Act.

These entries are inaccurate, unverified, and continue to remain on my report despite my disputes, which violates the Fair Credit Reporting Acts requirement that consumer reporting agencies maintain maximum possible accuracy and remove unverifiable information. Equifax has failed to conduct a reasonable reinvestigation of these items and continues to allow false information to harm my credit standing. I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs handling of these disputes and take action to ensure that these inaccurate entries are permanently removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: MS

Complaint narrative:
I am a victim of identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that all unauthorized accounts and inquiries be blocked and removed from my credit file, and that you provide written confirmation once this is completed.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have always made my payments promptly, and these reporting discrepancies are both unjust and unlawful.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SECURITY FINANCE CORP
State: PA

Complaint narrative:
Been notified them that my identity was stolen. Company was very rude and mean with threats

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am writing to dispute certain late payments listed on my consumer report, as obtained on. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( b ) and 15 USC 1637a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under such circumstances. Additionally, according to 15 USC 1681s-2 ( b ), consent from the consumer is required before furnishing information on the account. To date, I have not granted such authorization to [ name of company reporting late payment ], therefore I respectfully request that these inaccurate late payment entries be corrected in compliance with the Fair Credit Reporting Act. 
XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX CARD/XXXX  BANK XXXX XXXX XXXX XXXX {$2.00} XXXX XXXX  XXXX Balance : {$33000.00} XXXX XXXX  XXXX Balance : {$63000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

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 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal dispute regarding a fraudulent account reported under my name. I have no association with this account and never authorized it. Its inclusion is false, misleading, and causing harm to my credit report and reputation.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
My account was in review on XXXX XXXX and revolut said that it will take 7 days for the review to complete, after 7 days they said its still in review and daily says just 1 day and its been more than 32 days and i am unable to withdraw my own money right now my balance is XXXX $ something which i need for my daily activities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
I am disputing unauthorized inquiries in violation of FCRA 605B, as the following inquiries do not belong to me and appear to be the result of a mixed file or mistaken identity. I believe this information belongs to someone else. Additionally, I am disputing inaccurate and misleading information reported on my credit file in violation of FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 605 ( c ), and 605B, as several accounts are reported inconsistently or without proper validation. Furthermore, I am disputing multiple collection accounts that are reported inaccurately in violation of FDCPA 809, 807, and 808, as well as FCRA 605 ( a ) and 605B. The following accounts and balances are being disputed for accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These inquiries, negative accounts and addresses do not belong to me and must be removed or blocked immediately to restore accuracy to my credit report.

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 2025-08-26 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: FL

Complaint narrative:
I disputed with discover directly through cfpb about account being opened fraudulently without my consent. They are still reporting account even after issuing a 1099-c which is false because they still reporting a balance even after filing a 1099-c. They have been reporting information they know to be false to credit bureaus after the issuing of 1099-c for XXXX XXXX which is violation of fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I did not fill out the check that the first damage vehicle was purchased with the check. I did not sign the check. I reported this to navy federal. They did nothing. I did an exchange and the second card is a lemon also. The car just like the first car is unsafe to drive and no tag was ordered and no title for the car. I told navy federal to cancel the check an advanced the deal and they refused. 

I can not pay for a car that is not titled and not have a tag and not safe to drive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a formal dispute concerning an unauthorized account that has been inaccurately reported under my credit profile. I have no connection to this account and never authorized its creation. Its inclusion is completely false and is unfairly damaging my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.
State: NJ

Complaint narrative:
Since XX/XX/year>, I have been intensively trying to resolve an issue with my XXXX XXXX account, attempting to update it from business to individual. I contacted XXXX support repeatedly, including the technical team, and used the banner in my Payout Settings, but all efforts failed. Each time I received automated or repeated responses ( XXXX times ) that did not resolve the issue. 

I requested escalation to a manager multiple times, but no meaningful assistance was provided. My account remains grayed out, preventing access to my funds. 

Despite intensive efforts since XX/XX/year>, XXXX has not provided proper support or resolution. I am submitting this complaint to CFPB because I continue to experience lack of access to my funds. 

My XXXX account associated with this issue In linked to following email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I recently obtained a copy of my credit r that these hard inquiries have negatively impacted my credit score. I request the immediate removal of these inquiries from my credit accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. 
The records show XXXX  on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; multiple entries for XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX of XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX  and XXXX  on XX/XX/XXXXXXXX XXXX XXXXThese inquiries do not belong to me and must be removed or blocked immediately to restore accuracy to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. I recently obtained a copy of my credit r that these hard inquiries have negatively impacted my credit score. I request the immediate removal of these inquiries from my credit accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws. 
The records show XXXX  on XX/XX/XXXX ; XXXX  on XX/XX/XXXX ; multiple entries for XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX of XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX  and XXXX  on XX/XX/XXXXXXXX XXXX XXXXThese inquiries do not belong to me and must be removed or blocked immediately to restore accuracy to my credit report.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: David Fogel P.C.
State: GA

Complaint narrative:
On XX/XX/year>, my XXXX account was unlawfully restrained in the amount of {$110.00}. I was never served with any lawsuit, judgment, or court order authorizing this restraint. XXXX XXXX XXXX XXXX XXXX XXXX has confirmed in writing that the restraint is based on a UCC lien, Information Subpoena, and Restraining Notice filed by XXXX attorneys : The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) and David Fogel, P.C. 
I am a Georgia resident. There is no record of any judgment against me domesticated in Georgia, and no court order was ever served upon me. Despite this, my funds remain frozen. XXXX has admitted it is waiting on a release from these attorneys, who are using a UCC lien to act as creditors without due process. 
This is a violation of the Fair Debt Collection Practices Act, my due process rights, and Georgia law. XXXX XXXX XXXX XXXXXXXX are improperly acting as debt collectors and lienholders without proper authority.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
They have XXXX different accounts on my credit report with XXXX different pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to formally dispute a late payment reflected on my account. My personal records confirm without any doubt that this payment was made on time. The reporting of this account as late is inaccurate and harmful to my overall credit profile.

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 2025-08-26 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 extremely frustrated to see that inaccurate accounts are still appearing on my credit report this morning, and I have no idea why. I checked as I normally do, but this time there were unexplained discrepancies. I even refreshed my browser thinking it might be a glitch, but it was not. Since the accounts were not removed, I am demanding that the documents Ive provided be reviewed immediately so I can finally stop worrying about this ongoing issue.

Company response to consumer: Closed with explanation