vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: MD

Complaint narrative:
While reviewing my credit report, I was alarmed to find multiple entries that do not accurately reflect my financial history. As someone who meticulously monitors accounts, pays bills on time, and keeps careful records, I take these discrepancies very seriously. These inaccuracies are affecting my creditworthiness and are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which guarantees consumers the right to accurate reporting and the ability to dispute information that is incomplete, inaccurate, or unverifiable. XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/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 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 explanation
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Someone stole my infor in databreach with Equifax .. also i have and eviction on my credit and only stay on the XXXX XXXX days it was XXXX robberies and XXXX shotout thats why i left .didnt own any money The Landing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
These accounts dont belong to me ; eliminate them within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report regarding several late closed accounts. I have always taken my financial obligations seriously, and it is troubling to see my credit history misrepresented in a way that could harm my creditworthiness. I am requesting a thorough reinvestigation of the following accounts under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), which requires maximum possible accuracy in reporting, and 1681i ( a ), which mandates proper reinvestigation of disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Late payment entries appear on my credit report that I believe are inaccurate. In accordance with 15 USC XXXX ( b ) and 15 USC XXXX, my report must only reflect information that is accurate, complete, and verifiable. I request verification of these late payment entries, and if they can not be confirmed, they should be corrected or 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 non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
On XXXX I woke up to unlock my car to find it was repossessed. I spoke to Mid Florida Finance trying to fine misplaced payments. When attempting to gather statements I realized the statement cutoff date was XX/XX/XXXX and payment was XX/XX/XXXX but I sent them a screenshot of my bank payment transactions showing that the payment was in fact completed. I also spoke to my financial bank and they also confirm the payment was made. It says I am behind almost {$800.00} but with XXXX missing payment and {$100.00} late fee thats what the due amount was for that initiated the repossession. Ive attached XXXX payments they cant located but without the ledger I cant confirm thats the only misplaced payments. I feel they reposessed my vehicle to cover their own mistakes which then caused my life to flip upside down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report regarding several late closed accounts. I have always taken my financial obligations seriously, and it is troubling to see my credit history misrepresented in a way that could harm my creditworthiness. I am requesting a thorough reinvestigation of the following accounts under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), which requires maximum possible accuracy in reporting, and 1681i ( a ), which mandates proper reinvestigation of disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet is a PRIVATE COMPANY financial servicer. They are NOT authorized by any branch of government. Nelnet bought a alleged debt from department of education unbeknownst to me then reported on my consumer report with giving me my ( 3 ) disclosures required by federal law! I was never given an option to refrain from my private personal information being shared without my knowledge or permission! The fact this is a common practice for these financial services institutions who break federal laws every day violating consumer rights. MY RIGHTS HAVE BEEN VIOLATED AND I SEEK REMEDY. 

Furthermore this is grossly and egregiously identity theft as the department of education willfully shared my personal information with Nelnet who then shared my private information again with third party affiliates. I was never made aware of this! No consent equals identity theft and this is exactly what Nelnet has done. Not to mention the alleged that has been bought by Nelnet from department of education and now now that is attempting to extort further monies from myself as a consumer when they have already bought the debt and looking to get paid twice. This would be known as double dipping and highly illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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

Complaint narrative:
Subject : TransUnion and Experian Failure to Correct/Delete Inaccurate XXXX Account Reporting Dear Consumer Financial Protection Bureau , I am filing this complaint because TransUnion and Experian have failed to comply with the Fair Credit Reporting Act ( FCRA ) in their reporting of a closed XXXX account ( Account # XXXX ) on my credit file. 

The account in question is being reported with material inaccuracies and contradictions that are damaging my creditworthiness and directly preventing me from moving forward with purchasing my first home. 

The following violations apply : FCRA XXXX ( A ) & XXXX Credit bureaus must ensure accuracy and fairness in consumer reporting. Reporting a {$0.00} balance, {$0.00} original balance, and {$0.00} limit while simultaneously coding the account as a collection/charge-off is inherently inaccurate and misleading. 
FCRA XXXX ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Both TransUnion and Experian are willfully reporting contradictory and incomplete information ( e.g., Account marked both Paid/Closed and Collection/Charge-off ). 
FCRA XXXX ( 15 U.S.C. XXXXi ) After I disputed this account, the bureaus verified it without correcting the inaccuracies or providing proper investigation results. This constitutes a failure to conduct a reasonable reinvestigation. 
FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishers ( XXXX in this case ) may not report information they know or should know is inaccurate. XXXX can not have a {$0.00} balance, {$0.00} original amount, and simultaneously be in collection/charge-off status. 
FCRA XXXX ( a ) ( XXXX ) Accounts placed for collection may not be reported after XXXX years from the date of first delinquency. Reporting this account as derogatory when it is paid and closed is misleading and punitive. 
FCRA XXXX & XXXX Failure to comply with these provisions subjects the bureaus to liability for willful and negligent noncompliance. 
Despite my good-faith disputes, TransUnion and Experian continue to knowingly report inaccurate information in violation of my rights under the FCRA. This false derogatory reporting is directly harming my ability to qualify for a mortgage and achieve homeownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request that the reported late payment entries on my credit file be reviewed for accuracy under 15 U.S.C. 1681e ( b ) and 1681i. If these entries can not be fully verified as accurate and complete, they must be corrected or deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to dispute a number of serious errors on my credit report. After reviewing my file carefully, I discovered multiple accounts being reported inaccurately, which makes my credit history appear much worse than it truly is. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXX ( XXXX ). According to, 15 U.S. CXXXXe XXXX 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. Under, 15 U.S CXXXXe XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that all late payment entries on my credit report be reviewed for accuracy. In accordance with 15 U.S.C. 1681e ( b ) and 1681i, please verify each entry, and correct or remove any that can not be confirmed.

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 2025-09-09 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: LA

Complaint narrative:
Re : Identity Theft Failure to Block Fraudulent Information FTC Identity Theft Report Filed and Provided This letter serves as a * * formal notice and demand * * under the Fair Credit Reporting Act ( FCRA ) and its implementing regulations. I am a victim of identity theft and have filed an * * FTC Identity Theft Report * *. I provided this report to all three nationwide consumer reporting agencies. XXXX  has complied by removing all fraudulent accounts and updating my credit file. However, TransUnion andEquifax have failed to do so, in direct violation of federal law. 
* * Violations of Federal Law * * 1. * * 15 U.S.C. 1681c-2 ( FCRA 605B ) * * Upon receipt of an identity theft report, a consumerreporting agency must block fraudulent information within * * 4 business days * *. TransUnion and Equifax have failed to comply. 
2. * * 15 U.S.C. 1681i ( FCRA 611 ) * * Requires a reasonable reinvestigation of disputed information within * * 30 days * *. Neither bureau has completed this obligation despite sufficient evidence. 3. * * 12 CFR 1022.3 ( g ) * * Defines identity theft report as including an FTC Identity Theft Report, which I provided. 4. * * 12 CFR 1022.42 * * Requires procedures to prevent reappearance of blocked identity theft information.5. * * 12 CFR 1022.43 * * Requires furnishers and CRAs to investigate identity theft disputes promptly and accurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute the collection accounts reported on my credit file that appear to contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 1681i, I have the right to an accurate and verifiable credit report. I am requesting a full investigation of these accounts, and if they can not be verified as accurate, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief