vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: PR

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Equifax under Section XXXX of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity XXXX Report ( Report Number : XXXX ) and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days. 

Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ). 

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA XXXX, XXXX, and XXXX ( b ), as the agency failed to : Block the information within the required 4-day period. 
Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 

As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: PR

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Equifax under Section XXXX of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity XXXX Report ( Report Number : XXXX ) and requesting the immediate blocking of fraudulent accounts. By law, the agency was required to block the disputed information within four ( 4 ) business days. 

Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ). 

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA XXXX, XXXX, and XXXX ( b ), as the agency failed to : Block the information within the required 4-day period. 
Provide the results of the reinvestigation and the verification procedures. 
Remove unverifiable information from my report. 

As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX FACTUALDAT Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is a formal dispute regarding a fraudulent account listed under my name. I have no connection to this account and never authorized its creation. Its reporting is inaccurate and is causing harm to my financial standing.

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 2025-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I have been going back and forth between studentaid and Mohela about who is responsible for determining which months are eligible for XXXX XXXX XXXX XXXX. XXXX maintains that Mohela decides which months are in fact eligible. There have been multiple discrepancies in which my payment count is inaccurate and I have been given inaccurate information. For example, I was sent a letter from Mohela stating that I was going to get XXXX credit for XXXX and XX/XX/year> and the months were never applied. I never received any correspondence that stated anything otherwise.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-20 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: IN

Complaint narrative:
I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related consumer protection laws, to demand the immediate deletion of fraudulent and inaccurate accounts from my credit report as documented in my attached FTC Identity Theft Report.

1681s-2 Duties of furnishers of information to provide accurate data and correct/remove fraudulent accounts.

1681b Permissible purposes of consumer reports ( no unauthorized inquiries allowed ).

1681c Requirements on information excluded from consumer reports ( obsolete/incorrect info must be removed ).

1681i Reinvestigation of disputed information ; credit bureaus must investigate and delete unverifiable/fraudulent items within 30 days.

1681c-2 Identity theft blocks ; requires credit bureaus to block fraudulent accounts after receiving an FTC Identity Theft Report.

1681g Consumers right to disclosure of all information in their file.

1681h Conditions and form of disclosure ; free report rights when fraud occurs.

1681j Free credit reports for victims of identity theft.

1681m Duties of users of consumer reports in cases of adverse actions ( e.g., lenders must notify you of reasons for denial ) .1692c Restrictions on debt collector communications ( they cant harass or contact without consent when debt isnt yours ).

1692d Harassment or abuse prohibited.

1692e False, deceptive, or misleading representations ; covers debts reported under your name fraudulently.

1692f Unfair practices ( collecting debts not owed, improper reporting ).

1692g Debt validation rights ; you can demand validation, and they must cease collection/reporting if they can not prove the debt.

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 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am formally disputing an account that appears on my credit report without my authorization. I have never opened, authorized, or used this account. Its presence is entirely false and damaging to my creditworthiness.

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 2025-08-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Lending Tower LLC
State: TN

Complaint narrative:
I have received MORE than 15 offers for loans from more than 15 different companies. They all advertise you are prequalified for a lower interest rate loan to pay off credit cards or have extra money in your pocket. When you call they act like they go through the loan process, but they already know that from their prequalified screening that you are not qualified for a loan. They tell you about your high credit utilization percentage and your driven down credit score. So before they have sent this letter, they already know you are not qualified for a loan of this type, but then proceed right into, " We have another solution for you ''. It is debt consolidation where they negotiate your credit cards for you. To me, this is bait and switch advertisement. They offer you a loan, but in reality they are pushing renegotiating your credit cards at a price to you, financially and ruining your credit which they avoid at all cost to reveal to you. Plus they are making money from the negotiated credit cards. 
I have saved about XXXX of them if you want to see the advertisement yourself. I will continue to save them. 
Lending Tower, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CBC Companies, Inc.
State: AR

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 victim 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the reporting of an unauthorized account that appears in my credit file. I have never opened, authorized, or used this account. Its inclusion is false and is causing significant damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt that your company claims to have acquired from XXXX XXXX XXXX Co. I believe this debt is not valid, and I am requesting that you immediately cease collection activity and provide the necessary documentation under federal law. 
XXXX. Violation of My Rights Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 
As required by law, I request full validation of this alleged debt, including : A complete payment history, The original signed agreement with XXXX XXXX XXXX XXXX, and Documentation proving that CBE Group has legal ownership and the right to collect on this account. 
Until you provide such verification, you must cease collection activities and refrain from reporting this account to any credit reporting agencies. 
XXXX. Violation of My Rights Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681b ). 
XXXX XXXX XXXX XXXX had no permissible purpose to transfer or sell my private financial information to a third party without my direct consent. Sharing my personal data with CBE Group constitutes a violation of my privacy rights under the FCRA. If this debt was sold or transferred without ensuring full compliance with federal credit reporting standards, any information you possess is inaccurate and unlawfully obtained. 
XXXX. Liability and Privacy Concerns. 
Because XXXX XXXX XXXX XXXX violated my rights and privacy by improperly disclosing and transferring my information to your company, I am not liable for this debt. Any attempt to enforce or collect this alleged obligation would constitute further violation of my rights under both the FDCPA and the FCRA. 
Action Required : Please provide written proof of the debt and your authority to collect. 
If you can not validate this debt within 30 days, you must delete all references to it from my credit file and cease collection efforts. 
Be advised that I am documenting all correspondence regarding this matter and will not hesitate to escalate to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general if necessary. 
This letter is being sent in good faith and with the expectation that CBE Group will comply with all applicable federal laws. I request your response in writing within 30 days of receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-20 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: MD

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
The credit bureaus have failed to comply with their legal obligations under 15 U.S.C. 1681c-2 ( Identity Theft ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( XXXX deletion rule ), and in the case of Equifax, their duty to protect consumer data as evidenced by the XXXX  Equifax data breach. Despite proper notice, they continue to report fraudulent and inaccurate accounts on my credit file, causing ongoing harm. The credit bureaus are reporting fraudulent and inaccurate accounts on my file despite proper notice. This violates 15 U.S.C. 1681c-2 ( Identity Theft ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( XXXX deletion rule ), and, in the case of Equifax, stems from their 2017 data breach that exposed my personal information. I have documents attached to this complaint as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-08-20 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: TN

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-20 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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