vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Experian is altering information on my credit report that was not furnished by the debt collector. I compared XXXX Experian reports from XX/XX/XXXX and XX/XX/XXXX. Experian changed the balance from {$2300.00} to {$2300.00}, changed the balance updated date from XX/XX/XXXX to XX/XX/XXXX, and modified the past-due amount. These changes were not made by the furnisher, XXXX XXXX XXXX. 
PCS reports static balances ; Experian created these changes internally. Experian also added a dispute comment but did not complete a real reinvestigation or provide results. This appears to violate FCRA 607 ( b ) ( maximum accuracy ) and 611 ( a ) ( failure to reinvestigate ). The data being reported is inaccurate and unreliable.

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 2025-11-28 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This matter is causing me significant distress and disrupting my sleep. Given my consistent record of on-time payments, I respectfully request an immediate update to my account to resolve this issue.

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 2025-11-28 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

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! 


FRAUDULENT ACCOUNTS : Account Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/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 explanation
Consumer complaint received 2025-11-28 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:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
I am submitting this complaint to dispute several inaccuracies found in my credit reports from Experian and TransUnion. I have identified a collection account for XXXX  XXXX under Experian, showing a balance of {$2500.00} with the original creditor XXXX XXXX, which I have no knowledge of and have never been associated with. Additionally, TransUnion is reporting the same account with the same balance of {$2500.00}, confirming that this entry is inaccurate and needs investigation, as required by FCRA Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ), which mandates credit reporting agencies ensure maximum accuracy of the information they report. Furthermore, TransUnion is inaccurately reporting an address of XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which does not belong to me and should be removed per FCRA Section 605 ( a ) ( 15 U.S. Code 1681c ), which requires the removal of obsolete or inaccurate information. Both TransUnion and Experian also show a Late Closed status for XXXX XXXX XXXXXXXX with a {$0.00} balance, which is misleading as it does not reflect my actual payment history. This violates FCRA Section 623 ( a ) ( 2 ) ( 15 U.S. Code 1681s-2 ), which mandates furnishers provide accurate and complete information.

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 2025-11-28 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: OH

Complaint narrative:
I can not XXXX  into my account with my id and pass code. I also received an opinion of my first complaint from Equifax, and I am still in regards of a resolution unsettled. I have been trying for this situation since XXXX of XXXX. I recently moved to Ohio at that time. while when using the " see something wrong link provided within the Equifax app in the springtime, ' I have my Equifax account in XXXX of XXXX  '. I will like immediate clarity and resolutions for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CO

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! 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$65.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$65.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$560.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit 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 explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 

XXXX XXXX  XXXX XXXX Balance {$5700.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Aidvantage approved a disaster forbearance for XXXX months - but now has gone back and confessed in writing to falsifying financial records to make more money - even though they repeatedly told federal regulators and me that I was approved for disaster forbearance for XXXX months. They now dabble into an outrageous conspiracy theory and say Hurricane Helene now was just a fabricated hoax. They have been proven that they are feloniously racketeering and criminally defrauding because documents prove that I was in fact on disaster forbearance and a rogue employee who wanted to steal some money decided to falsify financial records to enrich themselves illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
I am filing this complaint because my personal information was exposed in the Equifax Data Breach, and as a result, my identity has been compromised. Since the breach, multiple credit bureaus and furnishers have reported negative, inaccurate, and unverifiable information on my credit file. These accounts do not belong to me, and all of my disputes have been improperly handled or ignored.

I have formally disputed these items with TransUnion, Equifax, and Experian, and I also submitted opt-out notices under the FCRA and GLBA. Despite this, the disputed information is still being reported, which constitutes willful non-compliance and fraudulent reporting practices. 
Below are the inaccurate, unauthorized, and identity-theft-related accounts currently harming my credit : XXXX XXXX XXXX XXXX XXXX Charge-Off Approx . {$480.00} XXXX Duplicate/Conflicting Entry Charge-Off XXXX XXXX XXXX Auto Loan Charge-Off XXXX XXXX XXXX XXXX Account XXXX Derogatory/Late Payment Reporting These accounts are fraudulent , inaccurate, or unverifiable. I never opened or authorized them, and they appeared only after the Equifax Data Breach compromised my personal identity.

Additionally, several unauthorized hard inquiries have appeared on my credit file. I did not apply for credit with these companies, and these inquiries violate FCRA 604 ( no permissible purpose ). These inquiries must be removed immediately.

The credit bureaus and furnishers involved have violated multiple federal laws, including : FCRA 602 Maximum Possible Accuracy FCRA 604 Permissible Purpose FCRA 605B Identity Theft Blocking FCRA 609 Full File Disclosure FCRA 611 Reinvestigation Procedures FCRA 623 Duties of Furnishers to Report Accurate Information GLBA Privacy Rule Improper sharing and failure to safeguard personal information I opted out of all third-party sharing and prescreened offers, yet my personal data continues to be shared and used without consent, which violates federal privacy and consumer protection laws. 
I am requesting the CFPB to take action and require the credit bureaus and all furnishers involved to : Delete ALL inaccurate, unverifiable, fraudulent, or identity-theft-related accounts. 
Delete ALL unauthorized or impermissible hard inquiries. 
Delete ALL incorrect personal information. 
Immediately honor my opt-out requests. 
Provide written confirmation of all corrections. 
These errors have damaged my credit, prevented me from securing housing and financial opportunities, and caused emotional and financial harm. If they refuse to correct these issues, I will initiate arbitration and legal action for damages resulting from willful non-compliance, negligent reporting, identity theft violations, and continued furnishing of inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I contacted by phone XX/XX/year>, XX/XX/year> and XX/XX/year> requesting a debt verification letter I was hung up on laughed at a continuously transferred to a voicemail line I left messages no one called me back. I contacted the landlord they told me that XXXX XXXX XXXX XXXX is who owns the debt now in which I have tried several times to get documents to verify and pay my debt and have not been able to get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MO

Complaint narrative:
I have sent letters to collection agency XXXX XXXX XXXX for amounts XXXX XXXX. XXXX. XXXX fail to verify account i had the original creditors state in letter that im not liable because of fraud they have said they don't have to honor it so I been disputing with trans union and XXXX  and has done a sham investigation i want these accounts removed from my XXXX  and transunion credit report. I have also been disputing debt collection from XXXX XXXX  XXXX i have also sent a verification letter and and failed to send a verification on this debt XXXX  and transunion has again sham investigation i want these deleted from my XXXX  and transunion credit report. XXXX XXXX  is another creditor that I have sent verification letters and nothing back the amount for these is XXXX and XXXX XXXX  XXXX  and transunion have all did sham investigations i want delete from my credit file

Company response to consumer: Closed with non-monetary relief