vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TN

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 2025-12-02 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: LA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00} Inquiries TU : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments TU : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-12-02 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: MN

Complaint narrative:
The information reported does not provide an accurate or comprehensive representation of my financial profile. Please conduct a detailed review and issue corrections as needed.

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 2025-12-02 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX 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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
All three credit bureaus are putting address on my credit I dont know of my only address is XXXX XXXXXXXX XXXX XXXX XXXX and all the employers are not Correct expect XXXX XXXX and all those car inquirers are 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
All three credit bureaus are putting address on my credit I dont know of my only address is XXXX XXXXXXXX XXXX XXXX XXXX and all the employers are not Correct expect XXXX XXXX and all those car inquirers are fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: WI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CMRE Financial Services, Inc.
State: MI

Complaint narrative:
Debt Collector disclosed or used private health information. I am submitting this complaint because a debt collection agency CRME sent me medical procedure information that they should not possess. I requested normal debt verification. In response, the collector provided a list of medical tests and procedures performed, including a CT scan, with specific dates. This is private medical information and goes far beyond what is allowed for billing or verification. Debt collectors are limited to receiving only the minimum information necessary for payment, such as -name -balance -dates of service Not allowed -test names -procedure types -diagnoses -medical details I believe the collector received protected health information improperly and is now using it in their collection process.

I request the CFFB review CMRE 's conduct and ensure they comply with federal consumer protection and privacy regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/25 I sent the following email to XXXX : I believe that I attended a predatory school ( The University XXXX XXXX ) and want to challenge my Navient private student loans. I am now contacting Navient/XXXX, and I am requesting a School Misconduct Discharge Application. 

If NavientXXXX refuses to provide me with an application, I will submit a complaint to the Consumer Financial Protection Bureau ( CFPB ).

Their response : Thank you for inquiring about a school misconduct discharge for your private loan. Upon review, we confirmed that your loan is not eligible for the School Misconduct discharge program since the school you attended was non-profit since the loan was originated. If you are having difficulty making your current payment amount on these loans and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. More information can also be found at servicing.mohela.com.

Thank you, Office of the Customer Advocate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Items on report were discharged in bankruptcy and still showing on my report creating adverse decisions and need to be removed 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 explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
I am a consumer attempting to fix my credit and dispute the following accounts. Below are the details of the accounts in question, separated by credit bureau : Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$4800.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$910.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$4600.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Relay Financial (US), Corp.
State: FL

Complaint narrative:
I am filing this second CFPB complaint because Relay Financial and their partner bank have failed to follow required Regulation E timelines and have not provided any clear updates regarding my unauthorized transaction dispute. 

My dispute involves multiple duplicate unauthorized charges from XXXX XXXX XXXX XXXX totaling {$1400.00}. I originally raised this dispute in mid-summer ( between XXXX ). Despite providing all requested documentation, including fax confirmations showing successful delivery, Relay continues to delay the investigation. 

Relay has repeatedly told me the dispute was escalated to the banking partner and XXXX, but I have received no timeline, no decision, and no confirmation from XXXX. Under Regulation E and XXXX Operating Rules, a provisional credit eligibility review must occur within XXXX business days, but it has now been several months. 

I also notified Relay that I am experiencing financial hardship, meaning this should be handled with priority. Despite this, Relay has not communicated any concrete status, and support agents repeatedly tell me they can not access the dispute system. I have asked for escalation to compliance multiple times with no clear response. 

The lack of updates, the prolonged delay, and the failure to follow Regulation E timelines have caused significant financial harm. I am requesting CFPB assistance to compel Relay and their partner bank to : XXXX. Provide the exact date the dispute was submitted to XXXX XXXX. Provide the current status of the XXXX investigation XXXX. Explain why the XXXX provisional credit requirement was not followed XXXX. Acknowledge my financial hardship status XXXX. Provide a timeline for resolution XXXX. Ensure compliance oversight moving forward I am requesting immediate CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
I am writing to formally dispute the following information on my credit report with the XXXX major credit bureaus. The details of the disputed accounts are outlined below : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report. Below are the details of the accounts in question, separated by each credit bureau : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing a complaint against XXXX for failing to conduct a proper reinvestigation of a disputed account furnished by Barclays Bank/XXXX , and for failing to provide the legally required Method of Verification under the Fair Credit Reporting Act ( FCRA ). 

I have disputed this account multiple times because the information being reported is incomplete, inconsistent, and inaccurate. Despite this, XXXX  continues to report the account as a charge-off and simply marks the dispute as updated, without providing any explanation or documentation showing how the information was verified.

I specifically requested a Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ), which requires XXXX to disclose : The name of the person or department they contacted The means of communication The date/time of the verification The documentation used to verify the accuracy of the account XXXX refused to provide any of this information. Instead, XXXX sent a generic form letter stating the item was updated, which does not satisfy the FCRAs requirements. This failure violates my rights under FCRA 611, and it prevents me from understanding how the disputed information was verified or challenging the accuracy of the investigation.

Furthermore, XXXX is continuing to report inaccurate data from Barclays. The payment history contains missing months, contradictory information, and data that does not align with the creditors reporting requirements. XXXX is required under FCRA 607 ( b ) to maintain maximum possible accuracy, but they have failed to do so. 

XXXX reinvestigation was inadequate, superficial, and did not meet the standards of the FCRA. They did not contact me for any additional information, did not provide documentation from the furnisher, and did not provide the legally required MOV. Their actions have caused ongoing harm by continuing to report unverifiable derogatory information. 

I am requesting CFPB assistance to require XXXX to conduct a full, proper reinvestigation, provide a complete Method of Verification, and remove or correct the inaccurate information if it can not be fully validated as required by 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 2025-12-02 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:
This entry is tied to fraud and is not my responsibility, and I request swift action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
I am disputing the following items on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Inquiries TU : XXXX  Date : XX/XX/XXXX Positive Accounts TU : No positive accounts listed for TransUnion. 

Late Payments TU : XXXX XXXX XXXX  Account Number : 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