vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted this company over the past year to get these inquiries removed from credit report. I did not make the inquires nor did I authorize these inquires, I wish to have them removed immediately. because I feel my information was stolen. 
Here our the companies that performed UNAUTHORIZED INQUIRES ( amount ) on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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 submitting this complaint regarding inaccurate, unverifiable, and non-compliant accounts currently being reported by all three major credit bureaus Experian, TransUnion, and XXXX  which are negatively affecting my credit profile and ability to access fair credit. 

These accounts include : XXXX XXXX XXXX ( XXXX ) {$260.00} collection ( Experian & TransUnion XXXX XXXX XXXX XXXX {$200.00} charge-off ( Experian, TransUnion, XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX {$1200.00} charge-off ( TransUnion & XXXX XXXX  XXXX have not received any written notice, signed agreement, billing statements, or proper validation from the furnishers reporting these tradelines. The accounts are reporting outdated payment history, conflicting balances, and inaccurate data, in violation of Metro 2 formatting guidelines and FCRA 609 ( a ) ( 1 ) and 611 ( a ).

I am requesting that the CFPB ensure these accounts are : Fully deleted from all three credit reports If they can not be verified with original source documentation, I request the items be blocked and deleted within 7 days under FCRA 611 ( a ) ( 5 ) ( A ) for being unverifiable or inaccurate.

This is my first formal complaint and dispute of these items, and I expect a lawful resolution. These negative accounts are causing serious harm to my creditworthiness and were never properly validated by any party involved. I appreciate the CFPBs assistance in resolving this matter quickly and fairly.

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 2025-07-14 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:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
Submitted to the CFPB on XX/XX/XXXX I am submitting a second identity theft dispute under FCRA 605B against Experian. On XX/XX/XXXX, I filed a formal complaint with a complete FTC Identity Theft Report, valid government-issued ID, proof of address, and my SSN. I clearly identified all unauthorized inquiries and two fraudulent accounts. Experian partially complied by removing most of the disputed items but continues to illegally report the following : XXXX Account : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. These remaining items are the result of identity theft and were never authorized by me. By retaining these entries, Experian is in direct violation of FCRA 605B ( a ), which requires the blocking of fraudulent information within four business days of receiving a complete and compliant identity theft submission. Additionally, under 605B ( b ), Experian was obligated to send me a written explanation within five business days if they chose not to block any item which they failed to do. This lack of compliance constitutes a clear breach of federal law and demonstrates willful neglect of consumer rights. I demand immediate deletion of all remaining disputed entries. If Experian fails to comply, I will escalate this matter further, including filing a complaint with the XXXX XXXX XXXX XXXX XXXX ), notifying the FTC, and seeking legal counsel for statutory damages under FCRA. This is my final good faith attempt at resolution before initiating formal legal action.

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 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am unaware of this debt and didnt have the opportunity to dispute it. If you believe that you sent proper notification, please provide certified mail with receipt displaying my signature if not, please delete this account from my credit report as soon as possible or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
These Unauthorized accounts have reappeared on my credit report after removal due to my information being exposed in the Equifax data breach as well as 2 others. Please remove this account immediately and block them from reporting according to the law. I would like to resolve this issue before pursuing litigation with my attorney. I have provided account numbers and dates in this complaint. I will also attach my identity docs.

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 2025-07-14 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: NY

Complaint narrative:
The credit bureaus are allowing unauthorized and fraudulent information to stay on my credit report despite receiving a notarized FTC Identity Theft Affidavit and supporting documents. They are in direct violation of 15 U.S.C. 1681c-2 ( a ), which requires them to block this information within 4 business days. Their failure to comply has caused financial harm, denials, and emotional distress. I want this information permanently deleted and legal action taken against all three credit bureaus for knowingly violating my rights.

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 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I received an email dated XXXX from Navient stating my student loan was paid in full. I had submitted Public Service Loan Forgiveness when XXXX XXXX was president and received this notification from Navient stating my student loans were paid in full. Now AidVantage has taken over Navient and has no record of the forgiveness of my student loans. After researching and finding information about Navient through CFPB I am requesting help to resolve this issue and to finalize the student loan forgiveness statement I was given by Navient on XX/XX/year> showing my student loans were forgiven and considered " paid in full ''. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-07-14 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: OR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-14 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$530.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-14 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$670.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$600.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$530.00} XX/XX/XXXX XXXX XXXX {$490.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : TRANSUNION : [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ I XXXX XXXX ] [ ACCOUNT NUMBER XXXX ] [ XXXX XXXX XXXX  [ ACCOUNT NUMBER XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Complaint : I am submitting this complaint on behalf of my client regarding the unlawful reporting practices of Transworld Systems Inc., located at : Transworld Systems Inc. 
XXXX XXXX XXXXXXXX XXXX, DE XXXX My client has satisfied and fully paid off the alleged debt in question. Despite this, Transworld Systems Inc. continues to report the account as unpaid or derogatory on their consumer credit reports. This inaccurate reporting is a violation of both the Fair Credit Reporting Act ( FCRA ) and industry standards, which require prompt and accurate updates to credit files.

1. Paid Debt Still Reporting Negatively The debt was paid in full, yet it remains on my clients credit report as derogatory. Under the FCRA, data furnishers are required to maintain accurate and complete records. Continuing to report a paid debt as unpaid or negative misrepresents the true status and causes ongoing harm to my clients creditworthiness.

2. Revocation of Communication Rights My client has formally revoked all communication with Transworld Systems Inc., as permitted under federal law. Despite this revocation, the company continues to report to credit bureaus without providing proper validation or closure documentation. This is a violation of their rights under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F.

3. Possible Unlicensed Collection Activity in Florida Transworld Systems Inc. appears to be operating without a valid consumer debt collection license in the State of Florida, where my client resides. Florida law requires debt collectors to be registered with the Florida Office of Financial Regulation. This agency is potentially in violation of the following Florida statutes : Florida Statutes 559.553 ( 1 ) : It is unlawful for any person to engage in business in this state as a consumer collection agency without first registering.

Florida Statutes 559.715 : Requires proper notice before the assignment or sale of debts.

Florida Consumer Collection Practices Act ( FCCPA ) : Prohibits deceptive, unfair, and abusive collection practices within the state.

Operating in Florida without a license not only violates state law, but it also nullifies the legitimacy of any collection activity being carried out by Transworld Systems Inc. within the state, including the reporting of debts to consumer credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am filing a complaint regarding a home solar loan originated through DCU to finance a solar energy system sold and installed by XXXX XXXX ( later rebranded as XXXX XXXX ). That company ceased operations and filed for bankruptcy in XXXX, leaving thousands of customers myself included with malfunctioning or non-operational solar systems and no path for remediation. 

My system has not performed as promised, and the seller is no longer available to make repairs. On XX/XX/XXXX, I formally asserted my rights under the FTC Holder Rule ( 16 C.F.R. 433.2 ), which was included in the loan agreement. This federal regulation allows borrowers to assert any claims or defenses against the lender that would have been available against the seller in cases of seller misconduct.

Despite sending DCU a detailed legal explanation including documentation of the defunct status of the seller, evidence of a lapsed UCC-1 financing statement, and a good-faith settlement proposal DCU has dismissed my position and insisted I remain fully liable for the loan.

DCU claims the Holder Rule does not apply, yet provides no evidence or reasoning to refute the substantial factual and legal basis I laid out. Their response disregards the central premise of the Holder Rule that lenders assume liability in connection with credit extended for defective goods or services.

Additionally, they incorrectly downplay the impact of a lapsed UCC-1 filing by stating that it only affects their right to repossess the equipment, while ignoring the broader implications related to secured interest and lawful collections activity.

I have ceased payments under my rights afforded by the FTC Holder Rule, but I am now concerned that DCU may attempt to charge off the loan, refer it to collections, or report it negatively to credit bureaus in retaliation despite my clear and documented legal justification.

This would violate the spirit and protections of the FTC Holder Rule and cause unjust harm to my credit. I am seeking CFPBs assistance to ensure that DCU either honors its obligations under federal law or responds in good faith with a legally sound and mutually fair resolution.

For context, the sellers bankruptcy and systemic failures have been widely reported : https : XXXX I am attaching my full correspondence with DCU and a copy of the loan agreement showing the FTC Holder Rule language for reference.

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 2025-07-14 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: MO

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