vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding the following accounts that have been inaccurately reported : Charged Off Accounts : XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance : {$930.00} XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX, opened XX/XX/XXXX, balance : {$1000.00} XXXXXXXX XXXX - XXXX XXXX opened XX/XX/XXXX, balance : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX, balance : {$2500.00} XXXX XXXX XXXX - XXXX XXXX opened XX/XX/XXXX, balance : {$1700.00} XXXX XXXX - XXXX, opened XX/XX/XXXX, balance : {$180.00} Inquiries : XXXX  - XX/XX/XXXX Late Payments : XXXX  - XXXXXXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
The information presently shown is incomplete and misrepresents my financial conduct. I request a formal investigation and appropriate correction.

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 2025-12-01 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: OH

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you Experian Consumer Fraud Services , block the XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX of XXXX  with a balance of {$4800.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. Furthermore, the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint and my XXXX XXXX XXXX XXXX to verify my correct residential address at the time of this unauthorized account being opened as proof from the US Federal Trade Commission that the aforementioned consumer credit account, collection, and hard inquiries are the result of identity theft and fraud.

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 2025-12-01 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:
Review the items provided ; the questions came without any warning and might be unauthorized.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I finished an XXXX XXXX with XXXX in XXXX XXXX. Upon completion, I was paying a {$500.00} monthly payment to XXXX ( for school balance ). I also began paying a separate bill of approximately {$120.00} per month to a separate organization ( ended up being Nelnet ), that I was not a 100 % clear about. I contacted XXXX about this " other payment '' and XXXX had no mention of it. They said that the only payment I was solely responsible for for the {$500.00} per month .. Uniquely, the {$120.00} payment would come out periodically and then sometime stop for several months, so it seemed truly fishy to me. But I was not sure who to contact for answers on this... aside from XXXX, which I contacted again in XXXX of XXXX... Double checking with them, that I had only one payment left ( not missing a single payment ) for a total of {$10000.00}. With that being said, I was under the impression that my schooling/payments were completed : ) I was so happy and thankful. 
Then, a month later, in XXXX of XXXX, my credit score alerted me of serious delinquency of XXXX - XXXX day lates, dropping my credit score from a XXXX to a XXXX ... Years of hard work and responsibility, to keep a good credit score, gone.. I then looked into the issue, that there was a loan servicer for the {$120.00} a month payment that reported 90 days late to each individual loan... Destroying my credit and my ability to borrow. This also reduced all of my open accounts 0 available balances, as I am now viewed a high risk borrower .. From that point on, I have contacted the servicer Nelnet- and tried my best to explain the situation, that I was never aware of the separate liabilities and that I had spoked to XXXX  and they said I only owed the {$500.00} a month payment.. I didn't realized there was a separate arrangement, payment due ... and furthermore the loan had gone in and out of forbearance several times, with no payments taken out for months at at a time... making it even more confusing .. After dozens of phone calls between Nelnet and the 3 credit bureaus the only chance I had was to dispute in hopes of a legitimate understanding. I had not been contacted by anyone regarding a balance, separate balance etc. I have always paid on time and was so thankful for the education I was able to pursue at XXXX yrs of age... Now, it hurts and totally demolishes any chance for me to be credit worthy and buy a home or even a car. The truth is, when I finished with XXXX, I was never notified of what and who I owe. In this day in age with spam/fraud calls/texts/emails, it is hard to discern what is legitimate and legal.. I thought I was doing the right thing but in the end I am at a loss. showing XXXX XXXX day lates on an otherwise impeccable credit report- sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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 writing to formally dispute certain items on my credit report. I am requesting a thorough investigation of the following accounts that I believe contain inaccuracies or incomplete information. These accounts are listed by credit bureau below. 

CHARGED OFF : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$97.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$790.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} US DEPARTMENT OF EDUCATION Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} US DEPARTMENT OF EDUCATION Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}

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 2025-12-01 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: CA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am writing to dispute several entries on my credit report that I believe to be inaccurate. Below, I have outlined the accounts in dispute for each credit bureau. I request a thorough investigation of the following items, as they may not accurately reflect the status of my accounts. 

Equifax ( XXXX ) Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$820.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$520.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$110.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$230.00} BANKRUPTCY, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian is reporting inaccurate and unverifiable information on my credit report, including a bankruptcy public record and multiple old/paid accounts that Experian claims they verified, although no verification took place with the original source.

I disputed these items through Experians system. Instead of conducting a real investigation, Experian relied on an automated system to verify the items without contacting the original source of the information. Bankruptcy courts do NOT report information directly to Experian, yet Experian claims a third party certified the information. The furnisher of the information was not identified.

Under FCRA 611 ( a ) ( 7 ), I requested the Method of Verification. Experian refused to provide : The name of the furnisher The address and phone The date the item was verified The procedure used to verify the disputed information Experian simply responded that the item remains, which is not a valid response and does not satisfy federal law. 

Experian is also reporting old, outdated, or previously paid accounts inaccurately. These accounts should have been updated or removed but are still reporting incorrect information, and after dispute, Experian again refused to provide the method of verification.

Experian is in violation of : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or correct unverifiable information FCRA 611 ( a ) ( 7 ) Failure to provide the Method of Verification FCRA 607 ( b ) Failure to maintain maximum possible accuracy I am unable to obtain housing, fair credit, and financial stability due to Experians negligent handling of my disputes.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am filing a new complaint because my previous CFPB case has not resulted in any communication or resolution from Bank of America, despite this being an ongoing case of clear check fraud involving a duplicate deposit. I was left a voicemail by someone at the Resolutions department, and have been calling back for weeks with no response. I deposited an Oregon State Treasury check for {$1300.00} on XX/XX/2025 via mobile deposit at Bank of America. On XX/XX/2025, Bank of America reversed the deposit from my account, claiming the check was a duplicate. The Oregon State Treasury confirmed in writing that they paid the check only onceto meand that any second deposit was not made through them. Bank of America later confirmed to me that the second deposit was made at XXXX XXXX XXXX XXXX, where I do NOT have an account and have never banked. I now have an open police report. Police have stated they need documentation from Bank of America to move forward.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper failed to adhere to CARES Act servicing guidelines requiring credit suppression after a loss-mitigation application is submitted. I submitted my application before I was late. They did not process it in time, and they improperly reported me 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I have nothing to do with these accounts ; remove them within 15 days as required by USC 1681g.

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 2025-12-01 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-01 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX  data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6100.00}

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 2025-12-01 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:
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 2025-12-01 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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