vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: IL

Complaint narrative:
I am submitting this complaint regarding a fraudulent loan that has been reported on my credit file. This account was opened as a direct result of identity theft, and I did not authorize, open, or benefit from this loan. 

The loan account XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 605B, I have the legal right to request that any consumer reporting agency block and remove all information relating to accounts that were the result of identity theft once I provide proper documentation. I have already submitted an identity theft report and supporting documentation to the credit bureaus and the furnisher of this fraudulent auto loan. Despite my request, the account continues to remain on my credit file. 


The continued reporting of this fraudulent account is a clear violation of my rights under FCRA 605B, and it is causing me financial harm and damage to my creditworthiness.

Requested Resolution : Immediate removal and permanent blocking of the fraudulent auto loan account from my credit reports across all consumer reporting agencies ( Experian, Equifax, TransUnion ).

Confirmation in writing that this account will not be reinserted into my credit file.

Enforcement of compliance by the furnisher and the credit reporting agencies with FCRA 605B.

I am providing all supporting documents, including my identity theft affidavit, police/FTC report , and correspondence sent to the credit bureaus. 



Thank you for your prompt attention to 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 2025-09-15 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: NH

Complaint narrative:
I am disputing the inaccurate reporting of a past due payment on my auto loan account with XXXX XXXX XXXX ( XXXX XXXX. XXXX ). According to my Experian credit report, the creditor reported that I was {$220.00} past due as of XX/XX/year>. This information is false and constitutes an error. 

I have never been late on any payments. The alleged delinquency occurred because XXXX XXXX XXXX failed to properly process and debit my monthly payment from my bank account, even though sufficient funds were available. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must report complete and accurate information and promptly correct any inaccuracies once notified. Reporting a late payment that never occurred violates this law.

Additionally, under the Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., financial institutions are required to process authorized payments correctly and resolve any errors that result from failed electronic transfers. I authorized the payment in good faith, and the error lies with the creditors processing system, not with my actions. 

This inaccurate derogatory mark is damaging my creditworthiness and financial stability. I request immediate correction of my credit report to reflect that I have never been late on this account. Specifically, I demand removal of the false delinquency and confirmation that my payment history is reported as current and on time. 

I am exercising my rights under FCRA 611 and 623 to dispute inaccurate information, and I expect a full investigation and correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NH

Complaint narrative:
I am disputing the inaccurate reporting of a past due payment on my auto loan account with XXXX XXXX XXXX ( XXXX XXXX. XXXX ). According to my Experian credit report, the creditor reported that I was {$220.00} past due as of XX/XX/year>. This information is false and constitutes an error. 

I have never been late on any payments. The alleged delinquency occurred because XXXX XXXX XXXX failed to properly process and debit my monthly payment from my bank account, even though sufficient funds were available. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must report complete and accurate information and promptly correct any inaccuracies once notified. Reporting a late payment that never occurred violates this law.

Additionally, under the Electronic Funds Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., financial institutions are required to process authorized payments correctly and resolve any errors that result from failed electronic transfers. I authorized the payment in good faith, and the error lies with the creditors processing system, not with my actions. 

This inaccurate derogatory mark is damaging my creditworthiness and financial stability. I request immediate correction of my credit report to reflect that I have never been late on this account. Specifically, I demand removal of the false delinquency and confirmation that my payment history is reported as current and on time. 

I am exercising my rights under FCRA 611 and 623 to dispute inaccurate information, and I expect a full investigation and correction of this error.

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 2025-09-15 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: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
To Whom It May Concern, I am filing this complaint against XXXXXXXX XXXX / CreditFresh for furnishing inaccurate and misleading credit information in violation of the Fair Credit Reporting Act ( FCRA 623 ). 
The XXXX XXXX / CreditFresh account currently appears only on my TransUnion report, listed as a charge-off/derogatory with a {$0.00} balance and a notation that it was Transferred to another lender. 
This reporting is inaccurate and incomplete because : A debt that has been transferred and carries a {$0.00} balance should not continue to be reported as a derogatory charge-off. 
The same debt was previously placed with XXXX and later Structured Settlements as collections, both of which have now been deleted further proof that the information was not verifiable or reliable. 
XXXX XXXX XXXX no longer report this debt at all. 
Requested Resolution : Because the collections have already been removed and the remaining XXXX tradeline is inconsistent and unverifiable, I request that XXXX XXXX  / CreditFresh delete the tradeline in full from XXXX 
Correction is not acceptable this account has already been proven unreliable across all bureaus. The only appropriate remedy under the FCRA is deletion. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-15 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
I am filing this complaint regarding fraudulent Dept. of Education/XXXX student loan accounts that are being reported on my credit file.

Accounts in question : Dept. of Ed/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Dept. of Ed/XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX I previously disputed these accounts through the CFPB on XX/XX/year>. Experian responded on XX/XX/year>, stating that there may be potential fraud involved. This admission confirms that the accounts are the result of identity theft.

Despite this acknowledgment, Experian and the furnishers have failed to block or remove these fraudulent accounts as required under the Fair Credit Reporting Act ( FCRA ) 605B. Instead, the accounts continue to be reported, causing ongoing harm to my credit and financial opportunities.

Why this is a problem : I never authorized or signed for these accounts.

They remain on my credit report despite being disputed as identity theft.

Experian has admitted there may be fraud but has taken no corrective action.

No legally required written results of a fraud reinvestigation have been provided to me.

since that date I have not received any documentation, validation, or final resolution from either Aidvantage or the CFPB complaint process.

This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ) because : 1. If fraud is suspected, the furnisher must block or delete the account unless they provide verifiable documentation.

2. No original Master Promissory Note or payment history has been produced.

3. The accounts continue to damage my credit standing and misrepresent my financial profile.

What I want : 1. Immediate and permanent removal of the fraudulent XXXX student loan accounts ( # XXXXXXXX XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX XXXX  ) from all credit bureau files ( Experian, Equifax, and TransUnion ).

2. Written confirmation that these accounts have been deleted under FCRA 605B ( fraud block ).

3. Assurance that these accounts will not be reinserted without full documentation and written notice to me as required by law.

I have also filed an FTC Identity Theft Report and can provide supporting documentation ( government ID, proof of address, FTC affidavit ).

The continued reporting of these fraudulent student loan accounts violates the FCRA and ignores Experians own recognition of potential fraud. I am requesting CFPB oversight to ensure these accounts are permanently deleted.

Attachments to upload with this complaint : FTC Identity Theft Report Copy of your ID Proof of address Screenshot or copy of Experians potential fraud response

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 2025-09-15 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-09-15 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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 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 2025-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I opened a credit card account with XXXX XXXX ( XXXX ) which eventually closed. Without my permission, the account was sold to Jefferson Capital. I requested verification of debt and authorization to collect but was never provided proof. Thus they have violated the Fair Debt Collection Practice Act 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: WI

Complaint narrative:
This letter serves as my SECOND FORMAL DISPUTE regarding the inaccurate and unverified collection account being reported by XXXX under account number XXXX ( or similar variation ) with a balance of {$97.00}. 
Despite my initial dispute, you have failed to provide any legally sufficient verification or documentation to support the continued reporting of this debt. As such, this account is now being formally disputed again and must be deleted immediately under your obligations as outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Collection Account in Dispute : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$97.00} - Account not properly validated or verified under FCRA/FDCPA. Reporting is incomplete and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
My credit was breached and I have fraudulent accounts listed on all three of my credit reports 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 2025-09-15 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: WI

Complaint narrative:
This is my second formal dispute regarding the inaccurate and misleading reporting of late payments on closed or low-balance credit accounts. You failed to properly correct these errors during my initial dispute, and I am now escalating this matter under the Fair Credit Reporting Act ( FCRA ) and relevant Federal Trade Commission ( FTC ) guidance. 
The following accounts are being falsely reported with late payments despite either being closed or having negligible balancesfurther suggesting inaccurate data furnishing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6.00} Last Payment : XX/XX/XXXX SYNCB/PPC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Last Payment : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22.00} Last XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Last Payment : 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I sent a police report showing that I was frauded and requested this be removed, however, they have not removed the debt, nor have I received proof of the debt being my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: MD

Complaint narrative:
Sent information to the Federal Trade Commission and contact them ever year about this fraulent account when I was in XXXX XXXX and a XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX requesting an investigation due to the time period by the police department I was instructed to fill with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MI

Complaint narrative:
XXXX'Lashante Baldwin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear TransUnionXXXXI am writing to formally dispute inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the Equifax data breach of 2017, in which the personal information of over 147 million XXXXincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX  breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\n\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit reportXXXXYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in questionXXXXtA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\n\nSincerelyXXXX 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