vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-24 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The names on the accounts listed on my three credit bureaus are not spelled correctly and I want them all removed.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX Reference # : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-24 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: PA

Complaint narrative:
I am writing to formally dispute certain accounts appearing on my credit file that do not belong to me. These accounts are the result of identity theft and must be removed and blocked from my credit report. 

Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, a consumer reporting agency is required to block the reporting of information resulting from identity theft within 4 business days of receipt of : 1. Proof of the consumers identity, 2. A copy of an identity theft report, 3. The identification of the fraudulent information, and 4. A statement that the information does not relate to the consumer.

Enclosed you will find : A copy of my government-issued identification, A copy of my identity theft report, A list of the fraudulent accounts that should be removed and blocked. 

ACCOUNTS 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 XXXXXX/XX/XXXX XXXX  do not report these fraudulent accounts. See attached credit report. 

Please remove and block these accounts and items from my credit file immediately as required by law. I expect written confirmation once this has been 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 2025-09-24 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: PA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint to formally report that my Transunion credit file is inaccurately reflecting a fraudulent account resulting from identity theft. Specifically, an account under XXXXXXXX XXXX XXXX Account # XXXX, appears on my report despite never being applied for, authorized, or opened by me. As stated in my written dispute to Transunion, I am requesting the immediate blocking and removal of this fraudulent account in accordance with my rights under the Fair Credit Reporting Act. I have made it clear that I do not consent to the use of E-OSCAR or other automated verification systems and demand a proper, thorough investigation. Transunion is required to complete its reinvestigation within the FCRAs mandated timeframe and provide me with written confirmation of the results.

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 2025-09-24 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:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened these accounts, never authorized them, and was never informed of their presence. The inconsistent reporting across the three bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting.

This situation also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees my right to complete and accurate disclosures of my credit file.

Supporting documents confirming my identity and evidence of the inaccuracies have been attached.

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The original XXXX Midland Funding LLC ive spoken to them today and asked them why wasn't i notify that they hired or turn my account over to an Attorney Collection Agency in XXXX XXXX GA. In which yesterday on XXXX this month place a Garrnishment order to take a large amount of money out of my Checking account with my knowledge, this degt was tooken caree of back in 2007 when I responded to Midland Funding for sueing me with Civil Judgement i filed and responded back to them with a answer. At that time i was ill and became disable due to my health conditions, wasn't employed, and havent been. Today earlier when i spoken to XXXX that work for XXXX XXXX XXXX she said the balance was over XXXX, but i never seen any corsponded showing me that amount via mail or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against NAVY FCU a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I obtained a copy of my credit report in XX/XX/year>XXXX  and noticed that this account contained inaccurate information. I asked TransUnion to do an investigation in XX/XX/year>XXXX  to verify the accuracy of this account. Unfortunately, not only was the inaccurate information not removed, this account was updated to contain even more inaccurate information. I asked TransUnion again in XX/XX/year>XXXX  to verify the accuracy of this account, which they claim they did, but yet it still remained full of inaccurate information. I have no choice but to spend the next few days pointing out these factual inaccuracies which will unfortunately for TransUnion prove to the CFPB that TransUnion is not verifying the accuracy of the information on the account. 
That being said, I am formally disputing the accuracy of this account. 
In the payment history section of this account on TransUnion for the month of XX/XX/year>XXXX  shows repossession. In the payment history section of this account on XXXX, for the month of XX/XX/year>XXXX  it shows 60 days past due. In the payment history section of this account on XXXX  for the month of XX/XX/year>XXXX  it shows charge off. ( XXXX XXXX XXXX  ) This is clearly inaccurate information on this account.

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 2025-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I emailed and mailed a sent a cease and desist. That was received before XX/XX/XXXX certified mail requesting these below : Proof you owe the debt. 
Itemized bill from the medical provider. 
Proof the collector has the right to collect. 
& that I was disputing this due to the hospital never billing my insurance even after providing my insurance information to them in XX/XX/year>. Which I explained to the company that reported me to collections. I even called to the hospital and they showed they had my insurance but didnt know why they didnt bill my insurance. 
I even told this to the company thats reporting this to my credit and they didnt care. They still reported even after I was disputing and wanted the itemized charges which I stated over the phone, email, & mail. I received nothing from in return

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I am reporting unauthorized hard inquiries that appeared on my TransUnion and Equifax credit file. I did not authorize or initiate these pulls. Under the Fair Credit Reporting Act ( FCRA ), you must block or delete information resulting from identity theft and reinvestigate disputed items. 

Inquiries to remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries lack a permissible purpose under 15 U.S.C. 1681b. I am submitting a formal dispute and identity theft report ; please block and delete these inquiries pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and conduct a reinvestigation under 15 U.S.C. 1681i. If you contend any item is valid, provide the Method of Verification including the specific creditor contact, date/time, IP/device data ( if applicable ), and evidence of my authorization, as required by 1681i ( a ) ( 6 ) ( B ) ( iii ). 


I am attaching the following : FTC Identity Theft Report Government ID ( drivers license ) Proof of address ( utility bill ) Social Security card Letter of Representation from my attorney Attorney contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Email : 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I have the reason to believe your company is reporting wrongful information to my credit report and I would like for it to be updated. I would like to update my Name, Address, Social Security. Date of birth, phone number and email. I am requesting that you investigate these discrepancies and correct or remove all inaccurate personal information from my credit report as required under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXn Date of Birth XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Social XXXX Phone : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 disputed an account due to its inaccuracy which lead to it doing deleted. A few weeks later is was added back no explanation. I contacted them informing them that they must notify me before placing an item back on my report and I got ignored. Each dispute after has been unavailable or I never received the mail. I am uploading proof of the deletion along with a new report of it still being on my 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 2025-09-24 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I purchased XXXX XXXX XXXX headphones from a XXXX user named XXXX XXXX, her Zelle username is XXXX and her full name is XXXX XXXX. This was an in person purchase from XXXX XXXX. The seller claimed the headphones were real and functioning. I paid the seller, XXXX, {$220.00}. This seller is extremely active on XXXX and has sold multiple items. I contacted the seller to send me my money back as I shortly figured out they were fake XX/XX/scrub>XXXX and she messaged me back later the evening on XX/XX/scrub>XXXX  saying she had to take her daughter to her soccer game and that she would meet me to give me my money back and take the XXXX XXXX back. She confirmed she did not have any proof of purchase. XXXX then changed her XXXX profile photo to a blank photo and blocked me. I requested my {$220.00} back via Zelle and reported her to XXXX and left a review. I am now disputing with Zelle, XXXX XXXX XXXXXXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I contacted all 3 credit bureaus and sent copy of my credit report showing a closed XXXX XXXX account that had different information on each report, such as date opened, highest credit, date of late payments which was reported differently on each bureau, I was later informed that my dispute was resolved and account was updated, with no additional information, that doesn't allow me to verify any of the inaccurate information if they can just change the dates to fit there scenario, I requested the information be provided for me and it was not

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 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I am filing a complaint against CNU of Texas , LLC d/b/a CashNetUSA, a licensed XXXX XXXX XXXX  ( XXXX  ), and its lender partner XXXX XXXX XXXX XXXX XXXX 
Date of Loan : XX/XX/year>XXXX  Amount received ( Amount Financed ) : {$800.00} XXXX  Fee charged : {$1100.00} Finance Charge : {$1100.00} Total of Payments required : {$1900.00} over XXXX biweekly installments Disclosed APR : 460.63 % Although the contract states a 10 % interest rate from the third-party lender, the mandatory XXXX  fee more than doubles the repayment amount. This results in an effective APR exceeding 460 %. 
I believe this loan is predatory and harmful to consumers, for the following reasons : The XXXX  fee structure disguises the true cost of credit while still being required under the Truth in Lending Act. 


The total repayment of nearly {$2000.00} on an {$800.00} loan in less than six months is unconscionable.

The loan terms create a cycle of debt inconsistent with the consumer protections envisioned under Texas Finance Code Chapter 393.

Company response to consumer: Closed with explanation