vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-21 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: SC

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 XXXX XXXX XXXX XXXX. 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 2025-07-21 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: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection tradeline being reported by XXXX XXXX XXXX on my credit report. The account is tied to a rental property at XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

I have received written confirmation from Fair Collections & Outsourcing ( FCO ) the last known and authorized collection agency for this debt that the account has been canceled in their office and that they have formally requested the item be removed from my credit file. I have included this letter as supporting documentation. 

Despite this, one or more credit bureaus are continuing to report the XXXX XXXX XXXX tradeline, even though XXXX XXXX : -Was never authorized to collect or report this debt ; -Was not the active collector at the time of cancellation ; - Can not provide proper verification of their authority to furnish the data. 

I have disputed this item with the credit bureaus and provided the FCO cancellation letter, yet the bureaus appear to have relied solely on XXXX XXXX unverifiable confirmation and have failed to conduct a reasonable investigation as required under FCRA 611 ( a ). 

I am also requesting the bureaus provide the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) including the name of the party contacted, the documents used, and how verification was completed. So far, that information has not been provided, and the tradeline remains on my 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 2025-07-21 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: IL

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 XXXX  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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-21 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: NV

Complaint narrative:
I am in the process of purchasing a home, but my credit report contains several negative accounts that are seriously affecting my credit score and preventing me from achieving my goal. 

I have sent multiple dispute letters to the credit bureaus, but they continue to send the same generic responses. I have specifically requested verification of a XXXX XXXX debt that I do not owe. Despite my request for proper validation, they insist that the debt is accurate. I asked them to provide verification of this account to confirm that I am truly responsible for it. 

Regarding XXXX XXXX, I also requested verification, as the balance they are reporting is completely inaccurate. I never owed that amount. The credit bureaus have failed to provide any response regarding the method of verification used to confirm this debt. 

With XXXX XXXX, I never purchased anything from them, nor did I sign any contract. I do not understand why this account is on my credit report especially with such a high balance. 

XXXX XXXX XXXX : I don't recognize this account so i asked them to send mee proof that its mine. 

For the account with XXXX XXXX, whose original creditor is listed as Latitudes at the XXXX Apartments, I also requested verification. I was never on the lease agreement for that apartment. I lived there as a roommate, but I was not legally responsible for the rent. However, this account is being reported under my credit profile. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  This account is already paid, but it is still being reported as unpaid, which is incorrect. 

XXXX XXXX XXXX : Same i asked them for verification and the keep sending me the same response. 


According to FCRA 1681i ( a ) ( 1 ), the credit bureaus are required to conduct a reasonable investigation and respond within 30 days. They continue to respond without providing any of the verification I have requested. As a consumer, I have the right to make these requests, and I am exercising that right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NM

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AR

Complaint narrative:
I am filing this complaint because my rights under the Fair Credit Reporting Act ( FCRA ) and FACTA have been violated by Experian, Equifax, and TransUnion. Despite providing evidence of identity theft and formally disputing multiple inaccurate itemsincluding student loans, collections, and credit accountsthese credit reporting agencies have failed to block or delete the disputed accounts within the federally mandated time frame. 

Their noncompliance violates FCRA 1681c-2, 1681i, 1681e ( b ), and 1681s-2, as well as 12 CFR 1022.142. These agencies are legally obligated to ensure that all data they report is accurate, verifiable, and not misleadingyet they continue to report incorrect and contradictory data even after being notified.

I am requesting the CFPB investigate and enforce compliance, and that all disputed accounts be immediately removed from my credit profile as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AR

Complaint narrative:
I am filing this complaint because my rights under the Fair Credit Reporting Act ( FCRA ) and FACTA have been violated by Experian, Equifax, and TransUnion. Despite providing evidence of identity theft and formally disputing multiple inaccurate itemsincluding student loans, collections, and credit accountsthese credit reporting agencies have failed to block or delete the disputed accounts within the federally mandated time frame. 

Their noncompliance violates FCRA 1681c-2, 1681i, 1681e ( b ), and 1681s-2, as well as 12 CFR 1022.142. These agencies are legally obligated to ensure that all data they report is accurate, verifiable, and not misleadingyet they continue to report incorrect and contradictory data even after being notified.

I am requesting the CFPB investigate and enforce compliance, and that all disputed accounts be immediately removed from my credit profile as required by 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: IN

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there .. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I am a 100 % XXXX XXXX XXXX veteran. I financed a vehicle with Bridgecrest on XX/XX/XXXX, while I was actively serving in the military. My XXXX XXXX dates are from XX/XX/XXXX to XX/XX/XXXX. Under the Servicemembers Civil Relief Act ( SCRA ), Bridgecrest was legally required to : Cap my interest rate at 6 % Provide SCRA disclosures Not engage in aggressive collection or negative credit reporting without court approval Bridgecrest charged me a 25 % interest rate, resulting in monthly payments of {$600.00} when it should have been around {$500.00}. Over approximately 34 months, I was overcharged more than {$3400.00} in interest. 

Despite notifying Bridgecrest, they have not corrected the account, refunded the overcharges, or responded with any verification that SCRA protections were applied. 

To make matters worse, I am now at risk of going XXXX days delinquent because of the inflated payments, and my credit is being negatively impacted all stemming from a situation that should never have occurred if federal law had been followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AR

Complaint narrative:
I went to the XXXX XXXX of XXXX from XXXX XXXX to XXXX XXXX. During my time at there the school mislead me into believing that I would get help finding a good job right out of college and they would assist me within their career services. Years had gone by and I had been doing my best to make payments in ways that would keep me current within the budget that I had available. From the beginning, I had been paying private loans out of pocket to XXXX XXXX, which then turned to XXXX, which is now serviced by MOHELA. I had told XXXX around 2 years ago that I had gone to the XXXX XXXX which had shut down, I did not receive help finding a job, and that I had dealt with the same shady tactics that majority of students had endured like them making me set up a payment plan out of pocket near the end of my term because they said my loans did not make up for the tuition cost. If I did not set up a payment plan, then I would not get my diploma or graduate after the years I had invested into the degree. So I paid it. As of XXXX, my federal loans have already been discharged through XXXX, which was made possible due to the XXXX XXXX being sued for misleading many students, similar to my own experience. I contacted MOHELA and asked them what I could do to get my private loans XXXX because I went to the XXXX XXXX XXXX XXXX and my federal loans had been XXXX. They told me that I had to file a discharge application in order to be approved. The first two times I filled out the questions based upon what they had asked. The questionnaire was very redundant and asked the same questions multiple times. The third and last time that I filled out the paperwork, I was more descriptive and thorough in answering the questions, and also provided what information I could on why the XXXX XXXX was being sued in the first place and why the alumni/students were getting their loans XXXX. The last response that I received from XXXX XXXX, who works with MOHELA, said in her email that my private loans are not eligible for discharge, even though my federal loans have already been taken care of. She says that since my loans did not go into default that my loans are not eligible. I find it to be ridiculous that my credit would have to be destroyed worse than it already was for my private loans to be acknowledged as being qualified under discharge from the XXXX XXXX. I have gone through hoops for the past 3 years trying to get quality information from my servicers. No one has the correct answers as to what is needed for my private loans to be seen as taken out from a college that has been sued/shut down. All of the information that I have gathered will be submitted here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX reported a XXXX delinquency on my student loan account to the credit bureaus. However, I was never provided a written notice prior to this negative reporting, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ). 

I only became aware of the derogatory mark after reviewing my credit report. After further investigation, I searched my email inbox and discovered an unread message from XXXX, but I did not open or read that email until XX/XX/year>. At the time the delinquency was reported, I had no knowledge of the notice and was never alerted by mail or phone in a way that confirmed delivery. 

Because this is a federally serviced student loan, it may also fall under XXXX protection. The failure to provide proper notice before reporting negative credit data makes this record both unverifiable and inaccurately disclosed. 

I have since brought the account current and am requesting that the derogatory reporting be removed. XXXX has not provided documentation that confirms delivery or receipt of written notice. Under FCRA, negative reporting without proper and confirmed notice must be deleted.

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 2025-07-21 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: MO

Complaint narrative:
XXXX reported a XXXX delinquency on my student loan account to the credit bureaus. However, I was never provided a written notice prior to this negative reporting, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ). 

I only became aware of the derogatory mark after reviewing my credit report. After further investigation, I searched my email inbox and discovered an unread message from XXXX, but I did not open or read that email until XX/XX/year>. At the time the delinquency was reported, I had no knowledge of the notice and was never alerted by mail or phone in a way that confirmed delivery. 

Because this is a federally serviced student loan, it may also fall under XXXX protection. The failure to provide proper notice before reporting negative credit data makes this record both unverifiable and inaccurately disclosed. 

I have since brought the account current and am requesting that the derogatory reporting be removed. XXXX has not provided documentation that confirms delivery or receipt of written notice. Under FCRA, negative reporting without proper and confirmed notice must be deleted.

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 2025-07-21 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: MD

Complaint narrative:
On XX/XX/year>, I reviewed my credit reports and discovered multiple fraudulent accounts that I had neither opened nor authorized. These accounts appear to be the result of identity theft. 

Ive already taken the following steps : Filed a report with the FTC ( Report XXXX XXXX XXXX ) Filed a report with the XXXX XXXX XXXX XXXX XXXX ( Temp Case XXXX XXXX XXXXXXXX ) Sent identity theft dispute letters to the major credit bureaus requesting deletion of the fraudulent items These accounts are harming my credit and were opened without my knowledge or consent. Ive attached Exhibit A listing the accounts in dispute, along with supporting documentation. 

Im requesting assistance to ensure these items are properly investigated and removed as required under the FCRA and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation