vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: NV

Complaint narrative:
I am a victim of identity theft, and two collection agenciesXXXX XXXX XXXX and XXXX XXXX XXXXhave reported or attempted to collect debts that do not belong to me. I did not authorize or open any accounts associated with these collections. I have disputed these items with the credit bureaus and notified both agencies that the debts are fraudulent, but they have failed to remove or validate them properly. I am requesting that the CFPB investigate and require these companies to delete all inaccurate and fraudulent accounts from my credit 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 2025-10-21 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2025-10-21 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: MS

Complaint narrative:
I have sent multiple letters to XXXX Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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 2025-10-21 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:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is completely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is deeply concerning. I require an immediate and clear explanation as to why these accounts appear on my report and who is responsible for reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: PA

Complaint narrative:
I am in XXXX XXXX for over 15 years completed all the necessary forms for repayment at a lower rate and nothing has ever been constantly reaching out and I get nothing back to assist me.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I contacted the credit real experience TransUnion experience several times providing correct documents to prove these accounts are due to identity theft farm accounts, they totally dismally rights under the fair credit act, they have not removed these accounts, they have not proved to me that these accounts are minds, the accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all the fraud account's.2 accounts by XXXXXXXX XXXX XXXX XXXXThey have purchased these accounts.And now they are harassing me and they are showing up on my credit profile which are preventing me from living a successful life

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 2025-10-21 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: IL

Complaint narrative:
I contacted the credit real experience TransUnion experience several times providing correct documents to prove these accounts are due to identity theft farm accounts, they totally dismally rights under the fair credit act, they have not removed these accounts, they have not proved to me that these accounts are minds, the accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all the fraud account's.2 accounts by XXXXXXXX XXXX XXXX XXXXThey have purchased these accounts.And now they are harassing me and they are showing up on my credit profile which are preventing me from living a successful life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-21 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I have disputed my student loan balances multiple times due to inaccuracies on my credit report and requested that the accounts be deleted. The school I attended is part of XXXX v. XXXX regarding valid discharge. I attended XXXX XXXX, now known as XXXX  XXXX. Currently, Nelnet is reporting these loans on my credit, and I am requesting their immediate deletion due to this error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Multiple calls a day after they were instructed to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, TX XXXX CC : FMS Financial Solution XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX Subject : Formal Dispute and Request for Deletion of Inaccurate Collection Account Account : FMS Financial Solution XXXX XXXX at XXXX Account Number : XXXX Balance Reported : {$6500.00} Date Opened : XX/XX/XXXX To Whom It XXXX Concern : I am formally disputing the accuracy and validity of the above-referenced collection account currently appearing on my Experian credit report. The account in question, reported by FMS Financial Solution and originally by XXXX XXXX at XXXX, is inaccurate, incomplete, and unverifiable as defined under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 
This alleged debt arises from a property that was uninhabitable due to severe infestations of mice and roaches, conditions that violate Maryland housing codes and landlord-tenant laws ( Maryland XXXX XXXX XXXX XXXX ). I vacated the property due to these health and safety hazards, which the landlord failed to correct despite repeated notifications and documentation. 
As such, any balance claimed as owed is legally and factually disputed, and reporting this account as a valid debt is misleading and causes undue harm to my creditworthiness. I have photographic and video evidence documenting the infestation and living conditions, which will be submitted in court if this matter is not promptly resolved. 
Therefore, I am demanding : XXXX. XXXX deletion of the disputed account from my credit file ; and XXXX. Written confirmation of deletion or correction within 30 days as required under FCRA 611 ( 15 U.S.C. 1681i ). 
If this inaccurate and defamatory information is not removed, I will pursue civil action for damages and attorney fees as permitted under FCRA 616617 and FDCPA 813, and provide my evidence to both the Consumer Financial Protection Bureau ( CFPB ) and the Maryland Attorney Generals Office. 
Please investigate this matter promptly and provide written notice of your findings. 
Thank you for your immediate attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting for XXXX XXXX ( Acct. # XXXX ) Dear Equifax, I am disputing inaccurate reporting of XXXX XXXX, account number ending in XXXX. 

Disputed Issues : Account reflects continuous delinquency since XXXX without proper balance updates. 

Shows {$2000.00} past due for multiple years without accurate activity. 

XXXX is misleading, suggesting nonpayment without proof of validity. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher must not furnish information it knows or should know is inaccurate.

FCRA 609 ( a ) ( 1 ) : I am entitled to the original signed contract and complete payment history.

FCRA 611 : Credit Bureaus must conduct a reasonable reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting for XXXX XXXX ( Acct. # XXXX ) Dear Equifax, I am disputing inaccurate reporting of XXXX XXXX, account number ending in XXXX. 

Disputed Issues : Account reflects continuous delinquency since XXXX without proper balance updates. 

Shows {$2000.00} past due for multiple years without accurate activity. 

XXXX is misleading, suggesting nonpayment without proof of validity. 

Violations : FCRA 623 ( a ) ( 1 ) ( A ) : A furnisher must not furnish information it knows or should know is inaccurate.

FCRA 609 ( a ) ( 1 ) : I am entitled to the original signed contract and complete payment history.

FCRA 611 : Credit Bureaus must conduct a reasonable reinvestigation.

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 2025-10-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C.
State: IN

Complaint narrative:
I am writing to formally dispute the alleged balance of {$4000.00} that your agency has reported and is attempting to collect. This matter concerns a former rental property that was transferred by quitclaim deed on XX/XX/XXXX, during which I was still residing in the home. 

Per Indiana XXXX XXXX, when a landlord conveys property that includes a rental dwelling, the tenant must be given written notice of the conveyance, and the landlord remains liable for all obligations and the security deposit until such notice is properly provided and acknowledged. I was never notified of the transfer of ownership, nor of any changes to rent payment instructions or the status of my lease. 

At the time, I was pre-qualified to purchase a home, and no notice of sale or transfer was ever provided to me by the landlord or their representative. The ledger I received does not match the remaining balance stated by the guarantor, and the court case was closed and sealed with no balance owed. Furthermore, no damage hearing was ever held, and therefore no additional charges were lawfully determined or assessed. 

Despite this, I recently received a notice from another collection agency asserting a new balance of {$560.00}, which appears to be false and unsupported. All relevant documents are attached, including the quitclaim deed, prior ledgers, and court disposition verifying that this matter was previously resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
Loan Forgiveness Program : I believe I qualify for student loan forgiveness under the [ e.g., XXXX XXXX XXXX XXXX, Teacher Loan Forgiveness, XXXX XXXX ] program. I have completed the required number of qualifying payments and have attached documentation verifying my eligibility. 

Closed School Discharge : My school, [ Insert School Name ], closed while I was enrolled or shortly after I withdrew. I am requesting loan discharge under the Closed School provision. 

Total and Permanent XXXX Discharge : I am eligible for discharge due to a total and permanent XXXX and have included supporting documentation from the XXXX Department XXXX XXXX XXXX XXXX Social Security XXXX / my physician. 

Loan Was Not Mine ( Fraud or Identity Theft ) : I am disputing the validity of this loan, as it was taken out fraudulently or under identity theft. I have attached a copy of my police report and identity theft affidavit. 

Incorrect Reporting / Paid in Full : This loan is still being reported on my credit report despite being paid in full. I have enclosed documentation of the final payment and request immediate removal of this record from all credit reporting agencies.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
XXXX XXXX is attempting to collect a debt from me that was originally a credit card from XXXX. They gave a payoff amount of {$4000.00} on the XXXX of XXXX due by the XXXX of XXXX, when the closing didn't happen and they were asked for a new payoff letter they came back with {$5500.00} due by the XXXX and could not explain the reason for the increase in cost and were unreasonable and unwilling to negotiate a settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 2025-10-21 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: Experian Information Solutions Inc.
State: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-21 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: IN

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * * * XXXX XXXXE - XXXX * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief