vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX AL XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Alabama XXXX Bankruptcy XXXX XXXX XXXX- XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX AL XXXX XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Alabama XXXX Bankruptcy XXXX XXXX XXXX- XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I received a letter from XXXX  on XX/XX/year> that my loans were forgiven and I am going to receive a refund. I have not received a refund and it has almost been a year.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 filing this complaint because the credit bureaus are reporting inaccurate, outdated, or unverifiable information. I am requesting a full and lawful reinvestigation under the FCRA. Any account, late payment, or inquiry that can not be verified with proper documentation should be corrected or removed.

Charged-Off Accounts ( Disputing ) These accounts contain conflicting dates, mismatched balances between bureaus, or appear outdated : XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$480.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX {$820.00} Some of these entries appear duplicated across bureaus with different data. I request proper validation or deletion.

Inquiries ( Disputing ) These Experian inquiries were not authorized or do not appear to have a permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please provide documentation proving permissible purpose or remove. 

Late Payments ( Disputing ) Late payments reported for : XXXX XXXX XXXX XXXX XXXX XXXX These appear inconsistent with the other bureaus and may be inaccurately reported. I request validation or removal.

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 2025-12-02 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:
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 2025-12-02 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: GA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts The following charged-off accounts on my Experian file appear inaccurate, unverifiable, incorrectly dated, or improperly updated. Some may also be duplicates across different furnishers.

I request a full reinvestigation and written validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I dispute the accuracy and completeness of each account.

2. Late Payments The following late payment information is disputed : XXXX XXXX XXXX I request verification records and removal if not properly validated.

3. Inquiries No inquiries listed for Experian.

If Experian has inquiries not authorized by me, I request removal unless validation of my written consent is provided.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts appearing on my credit report as inaccurate or incomplete. Below are the details of the accounts in dispute, separated by each bureau.

INQUIRIES XXXX XXXX XXXX XXXXXX/XX/year> LATE PAYMENT XXXX, XXXXXXXX XXXX XXXX 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 2025-12-02 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: GA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity.

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 2025-12-02 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:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity.

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 2025-12-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: MI

Complaint narrative:
I had a truck loan through heights financial and they repoed the truck and then sold it for way too low of a price which I shouldnt have to pay it back because it was well worth XXXX with everything done to the truck with the receipts that were in it still when they repossessed the vehicle. They sold it for around XXXX XXXX dollars there was over XXXX XXXX in receipts done to engine and over XXXX XXXX in receipts for the transmission and it had low miles for a diesel. It shouldnt have been sold for less then XXXX XXXX or at least XXXX XXXX and now they are trying to sue me for it when they took it back and sold it way to low for fair market value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to request a review and correction of my credit report due to discrepancies and inaccuracies regarding certain accounts, as outlined below. I request that you investigate and correct these issues in accordance with the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  *, Date Opened : XX/XX/XXXX, Balance : {$9300.00} Inquiries XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Date Opened : XX/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 2025-12-02 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
They closed my account because of there own error I tried to pull XXXX $ from my credit card and they accidentally pulled it from my regular bank account so it bounced and I had already sent the XXXX $ they later fixed there mistake but never reopened my bank account, theyre also refusing me a card because I supposedly am scamming when in reality what happened is I was sent an item with missing parts so I submitted a claim I should not be penalized for being sent unworking parts or missing parts. The seller after tried to get me to buy the cord for the equipment for more $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is reporting inaccurate derogatory information. XXXX XXXX has confirmed no outstanding debt. Please verify the accuracy, ownership, and completeness of all data. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Account appears duplicated and inaccurately reported as derogatory. Please validate all data with the furnisher. 

XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Reporting obsolete or incorrect negative information. Please verify or remove immediately. 

XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : This account is inaccurate and can not be verified as belonging to me. Please conduct a reinvestigation under FCRA 611. 

XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason for Dispute : Potential misreporting and incomplete data. Verification required or deletion mandated.

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 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by XXXX ( XXXX XXXX XXXX ) related to my federal student loans. 

XXXX has reported late payments for XX/XX/year> and XX/XX/year> on my credit report. These late payments are inaccurate and should not appear on my record because my federal student loans were not transferred to XXXX until XX/XX/year>. 

I have written documentation from XXXX confirming that : My loans were transferred from XXXX to XXXX on XX/XX/year> A loan transfer forbearance was applied to the account upon transfer The past-due status was corrected after transfer, and the update originated from the previous servicer, not XXXX I was not with XXXX prior to XX/XX/year> This letter clearly shows that XXXX was not my servicer at the time the alleged late payments occurred, and therefore XXXX should not be reporting any payment history for dates prior to XX/XX/year>. Because XXXX did not service my loan during XXXX or XXXX, they can not accurately claim that payments were missed during that period. 

Reporting late payments for months during which XXXX did not service my account is a violation of the Fair Credit Reporting Act ( FCRA ), which requires all furnished information to be accurate and verifiable. 

I respectfully request the following : Removal of the inaccurately reported late payments for XX/XX/year> and XX/XX/year> from my credit report with all credit bureaus. 

Correction of my account history to begin reporting only from XX/XX/year>, the documented transfer date. 

A full investigation into how and why XXXX furnished payment information for a period in which they were not my servicer. 

These inaccurate late payments have negatively impacted my creditworthiness, and I request that this matter be resolved promptly in accordance with FCRA guidelines. 

I have attached the letter from XXXX confirming the XX/XX/year> transfer date and the forbearance applied at that time. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation