vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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:
Date : XXXX XXXX To : TransUnion LLC XXXX. XXXX 2000 XXXX, PA XXXX CC : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Dispute Request for Deletion of Authorized User Account ( Capital XXXX - {$4300.00} ) Dear TransUnion Dispute Department, I am writing to formally dispute the reporting of the following credit card account on my TransUnion credit report : XXXX. XXXX XXXX Bank XXXX XXXX : {$4300.00} I am not the primary account holder on this credit card. I am listed only as an authorized user, and as such, I am not legally responsible for the repayment of this debt. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to request the removal of accounts for which they are not contractually liable. I am requesting that this XXXX XXXX account be permanently deleted from my TransUnion credit report. 

FCRA Legal Basis for Removal : 15 U.S.C. 1681a ( h ) : Defines a consumers responsibility for an account. As an authorized user, I am not financially obligated for this debt.

15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy. Reporting an account for which I hold no financial responsibility creates a misleading and inaccurate portrayal of my credit profile.

15 U.S.C. 1681i : Mandates that credit reporting agencies must reinvestigate disputed information and delete any unverifiable or inaccurate data within 30 days. 

Requested Action : 1. Immediately delete the XXXX XXXX Bank XXXX account ( balance : {$4300.00} ) from my TransUnion credit file 2. Ensure the account is blocked from future reinsertion, unless documentation is provided showing that I am the primary account holder ( which I am not ) 3. Provide written confirmation of the results of your reinvestigation and any actions taken If TransUnion fails to comply, I am prepared to pursue further action through the Consumer Financial Protection Bureau ( CFPB ) and, if necessary, seek legal recourse for any violations of my rights under the FCRA. 
Thank you for your prompt attention to this matter. I request a written response within the time frame allowed under federal law. 

Sincerely, 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to formally dispute several inaccuracies currently appearing on my Comprehensive Loss Underwriting Exchange ( C.L.U.E . ) Auto and Property reports maintained by LexisNexis. These errors are adversely impacting my insurance risk profile and eligibility for favorable quotes. Under the Fair Credit Reporting Act ( FCRA ), I have the right to expect that all information reported about me is complete, accurate, and verifiable. The items listed below do not meet these standards and require immediate reinvestigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
In XX/XX/year>, I made a settle arrangement with XXXX XXXX, made a payment of XXXX per our agreement to close the account, then should the account to XXXX XXXX XXXX XXXX ID XXXX with a balance of XXXX, I have reach out to them submitted copy of title, bank statement, settlement agreement, however they still refuse to delete this debit, they are still sending me emails to pay for this debt that was already paid before they purchased from XXXX, the vin numbers match up, they can contact Ohio XXXX XXXX their is no loan on the title, i physically have title in my hand, receipt number from XXXX  is XXXX, XXXX released the title on XX/XX/XXXX, had to get a replacement title because they did an electronic title

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
In XX/XX/year>, I made a settle arrangement with XXXX  XXXX, made a payment of XXXX per our agreement to close the account, then should the account to XXXX XXXX XXXX XXXX ID XXXX with a balance of XXXX, I have reach out to them submitted copy of title, bank statement, settlement agreement, however they still refuse to delete this debit, they are still sending me emails to pay for this debt that was already paid before they purchased from XXXX, the vin numbers match up, they can contact Ohio XXXX XXXX their is no loan on the title, i physically have title in my hand, receipt number from XXXX  is XXXX, XXXX  released the title on XX/XX/XXXX, had to get a replacement title because they did an electronic title

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
This is not a misunderstanding my credit report contains clear inaccuracies that do not meet the standard of maximum possible accuracy. These errors are causing serious and ongoing harm during an already difficult time. I urge you to correct or remove them immediately.

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 2025-06-04 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: CA

Complaint narrative:
Equifax does not want to solve my issue by removing fraudulent accounts, addresses and inquiries. I'm an identity fraud victim and I have added all my proper docuemntation for you guys to determine this CHANGE FOR ME. Please remove and block all the requested information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am disputing a collection account related to my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I sent a debt validation request via certified mail to XXXX XXXX on XX/XX/XXXX, and it was confirmed delivered. I have not received any response after 30 days. 

I then filed disputes with Equifax, XXXX, and XXXX  regarding this account. However, all three bureaus failed to take any action or properly investigate within the required 30-day period. 

This is a clear violation of the FDCPA and FCRA. The account remains on my credit report without validation, harming my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am disputing a collection account related to my XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I sent a debt validation request via certified mail to XXXX XXXX on XX/XX/XXXX, and it was confirmed delivered. I have not received any response after 30 days. 

I then filed disputes with Equifax, Experian, and TransUnion regarding this account. However, all three bureaus failed to take any action or properly investigate within the required 30-day period.

This is a clear violation of the FDCPA and FCRA. The account remains on my credit report without validation, harming my score.

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 2025-06-04 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY 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 2025-06-04 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:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-06-04 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and request full verification of one or more student loan accounts being reported on my credit report. This request is made pursuant to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g Applicable state and federal consumer protection laws. 

Upon reviewing my credit report dated [ insert date ], I identified the following student loan account ( s ) that I believe to be inaccurate, unverifiable, or unlawfully reported : Creditor/Loan Servicer : [ Insert lender/servicer name ] Account Number : [ Insert account number ] Date Opened : [ Insert date ] Balance/Status : [ Insert reported balance and status ] Grounds for Dispute : 1. Lack of Verification : I have not received valid documentation confirming the accuracy, legal enforceability, and ownership of this debt.

2. FERPA Compliance Concern : Under FERPA, any transmission or use of my personally identifiable education-related information ( such as school enrollment status or financial aid details ) must be legally authorized. I am requesting proof that such access and sharing were lawfully permitted and consented to. 
XXXX. Consumer Law Violation : If this account was originated or reported without proper disclosure, consent, or authorization, it may also constitute a violation of consumer protection statutes.

Requested Actions : 1. Conduct a reinvestigation of the disputed account as required by FCRA 611 ( 15 U.S.C. 1681i ).

2. Provide me with full verification, including a signed promissory note or original loan agreement and documentation confirming legal reporting rights.

3. Confirm FERPA compliance, specifically whether the original creditor had lawful access to my educational records.

4. If verification can not be provided, delete this account from my credit report in accordance with FCRA guidelines.

5. Provide a written response and an updated credit report within the 30-day statutory timeframe.

I have enclosed a copy of my credit report with the disputed account ( s ) highlighted, along with identification and proof of address.

Please treat this matter as urgent and in full compliance with federal law. Failure to verify the accuracy and legitimacy of this information may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Following identity theft caused by a data breach, fraudulent accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$83.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
Similar to the prior 3 fraudulent credit cards ( which I submitted a formal police report for, as attached ), I later had a new Target XXXX  mailed to me ( that I did not open ) started on XX/XX/XXXX and an indication that I had a {$480.00} balanced. I have contacted Target personally and they stated they would review this. Out of the 4 fraudulent credit cards, this is only one I have not had a response from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Synovus Bank
State: TX

Complaint narrative:
COMPANY : Synovus Bank ACCOUNT # : XXXX DESCRIPTION : Synovus violated FCRA by : 1. Reporting late payments AFTER account closure ( XX/XX/XXXX ) : - 90-day lates in XXXX ( XXXX ) 2. Furnishing conflicting delinquency dates to bureaus : - XXXX : First 90-day late = XX/XX/XXXXXXXX XXXX XXXX  : First 90-day late = XX/XX/XXXX 3. Reporting impossible 120-day late payment ( XXXX XXXXXX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-06-04 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I submitted a verified identity theft dispute under FCRA 605B to XXXX, and XXXX accounts XXXX XXXX  and Portfolio Recovery Associates XXXX XXXX XXXX ) were fully deleted as a result. 

However, XXXX XXXX was newly reported to my XXXX  credit file on XXXX XXXX XXXX and I submitted a dispute on XXXX XXXX escalating by phone XXXX times without resolution. On XXXX XXXX XXXX Portfolio Recovery was also reported for the first time to XXXX 

These accounts were never on XXXX before and are being added after identity theft deletion, in direct violation of FCRA 605B ( b ) ( 1 ) and 623 ( a ) ( 1 ) ( B ). I am requesting immediate deletion, a formal investigation, and enforcement of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DE

Complaint narrative:
Ive been unable to login to my MOHELA account since the beginning of this year despite multiple attempts on different devices and using different browsers. I had written down my login and when I tried using that, it gave an error message. When I tried to lookup my account to reset the password, it says my account is not found even when using my birthday and social security number to look it up. I have tried calling their support line numerous times this year to figure this out, and was on hold for at least an hour every time and either got disconnected from the call or could not continue to wait on hold for that amount of time. I emailed them in XXXX about my login issues and was told to either try the login portal ( which I already said wasnt working for me ) or to try calling. Attempted to call once more after getting this response and was disconnected after being on hold for 45 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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