vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to you formally to dispute inaccurate and compromised information that appears on my Equifax consumer file as a direct result of the Equifax data breach. This correspondence is being sent pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

As you are aware, Equifax experienced a massive data breach in XXXX  that exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and financial account details of millions of consumers. I have reason to believe that the inaccuracies on my credit file are tied to that breach and represent fraudulent or erroneous

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX - Account Number : XXXX - Reported Late Payments : XX/XX/year>

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 2025-09-22 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 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:
I am disputing identity-theft and accuracy issues on my consumer report. I have an FTC Identity Theft Report ( Ref # XXXX, dated XX/XX/XXXX ) and will provide my police report number. I requested the credit bureaus to ( 1 ) block identity-theft items under FCRA 605B, ( 2 ) update my personal identifying information, ( 3 ) delete unauthorized inquiries lacking permissible purpose ( 604 ), and ( 4 ) provide a complete Method of Verification ( 609 & 611 ). 

Personal info update requested : Keep only my current address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Delete all outdated addresses. 
Delete all phone numbers currently listed ; remove outdated employer data tied to fraudulent items. 
Do not display full SSN/DOB on the report available to third parties. 
Metro 2 Code : 112 Personal Information Dispute. 

Tradelines in dispute & defects : XXXX XXXX ( Educational Installment ) Acct XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, TU ) * * and # XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX, TU ). Both show Payment deferred, but ( a ) they appear on TransUnion only ( missing from the other bureaus ), ( b ) balances exceed high credit ( {$9900.00} XXXX XXXXXXXX {$9900.00} ; {$9500.00} XXXX XXXX {$9500.00} ), and ( c ) payment strings are incomplete. These are hallmark accuracy issues and potential ID-theft items. 
XXXX Card ( Credit Card ) TU # XXXX ; EXP XXXX XXXX XXXX XXXX XXXX XXXX Cross-bureau conflicts exist in open dates ( XX/XX/XXXX TU XXXX XXXXXX/XX/XXXX EXP ) and last active ( XX/XX/XXXX TU XXXX XXXXXX/XX/XXXX EXP ). XXXX also lists closed due to inactivity while both report charge-off and full past due = {$10000.00}. Payment-history strings are inconsistent or missing across bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Revolving ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX only. Balance {$2200.00} with limit {$2000.00} ( over-limit not coded ), dispute resolved comment conflicts with continuing charge-off and a jump from multiple OK codes to CO. 

Unauthorized inquiries ( no permissible purpose, not authorized ) : XXXX XXXX XXXX ( Experian ) XX/XX/XXXX XXXX XXXX XXXX ( TransUnion ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Email : XXXX Phone : XXXX Date : XX/XX/2025 Re : Dispute of Incorrect Reporting on Dept. of Education Student Loan Accounts Dear consumer finance, I am writing to formally dispute inaccurate and harmful information that appeared on my Equifax credit report in XX/XX/2025 regarding my Dept. of Education student loan accounts. 

Between XX/XX/2025, and XX/XX/2025, the Affected by natural disaster remark was removed from my Dept. of Education accounts, even though I remain in good standing and under approved disaster relief protections due to Hurricane Helene. 

As soon as this remark was removed, my credit score dropped by XXXX points and my payment history factor shifted from Fair to Needs Work. This was entirely the result of the remark being deletednot because of any actual delinquency or change in my repayment status. Shortly thereafter, the remark was re-applied, confirming that its removal was in error. 

My Request : I respectfully request that Equifax : XXXX. Correct this reporting error immediately by ensuring that the Affected by natural disaster remark remains properly applied to all Dept. of Education accounts for the duration of my disaster protection period. 
XXXX. Remove any negative scoring or late payment notations that were triggered by the mistaken removal of the remark between XX/XX/2025. 
XXXX. Backdate the correction so that my record accurately reflects uninterrupted disaster protection status. 

This reporting error has caused substantial harm to my credit score through no fault of my own. we lost our home and everything we own and almost lost our lives since then we can no longer afford to pay for a house that does no longer exist so the bank is for closing on us. My wife will be losing her job as an accountant, we will be losing our vehicles once we file bankruptcy or we have the option of paying on the house for XXXX more years and having nothing at the end of it because of the mudslide the US GS deemed the land, unsafe and condemned our land so we wont even have it. We lost all of the equity we had built up and are still struggling every day since the hurricane we are in a federal relief program awaiting a decision from the buyout program and mitigation department. Then I see my credit was tanked XXXX points and a single move because of a remark that was removed, despite it being very true, and I can also provide documents from our insurance XXXX, as well as the state and federal mitigation program I have sent this request to Equifax and XXXX and nothing changed on my report. 
Enclosed are screenshots from my report documenting the change in remarks and the resulting XXXXpoint drop in score. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This listing does not accurately reflect my history of timely payments and seems incorrect. Please conduct a review and eliminate 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 explanation
Consumer complaint received 2025-09-22 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-22 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: NY

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccurate entries that are harming my credit and causing significant financial and emotional distress.

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 2025-09-22 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at XXXX on XX/XX/XXXX under the account number XXXX. This account has resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collection as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. This account has been fraudulently reinserted to my consumer credit report after having been deleted, I have attached proof of XXXX  's response to my previous CFPB complaint showing the deletion.

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 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Benht: Economic Development Corporation
State: CO

Complaint narrative:
On XXXX XXXX XXXX I took out a loan from XXXX XXXX for {$1000.00}. The loan agreement disclosed an APR of 752 %. 

Between XXXX XXXX XXXX XXXX XXXX, I made every scheduled payment and have repaid {$1000.00} in total. Despite this, XXXX XXXX continues to state that I still owe {$970.00} in principal. 

I have repeatedly attempted to resolve the balance in good faith through settlement offers : I first offered {$200.00} to settle the account. 
When that was refused, I offered {$300.00}. 
Most recently, I increased my offer to {$340.00}. 

Each offer was rejected, and XXXX XXXX informed me that I can not even submit a formal settlement request until XXXX XXXX XXXX 

I believe these practices are predatory. I have already repaid more than the amount borrowed, yet the company continues to demand nearly the entire principal again. Their refusal to consider reasonable settlement offers is unfair and deceptive. 

Desired resolution : I want XXXX XXXX to close this account and correct their records to reflect that the loan has been repaid in full

Company response to consumer: Closed with explanation