vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-11 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: VA

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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Equifax, Experian, and TransUnion for the continued reporting of XXXX XXXX  records that are not mine. I have disputed these items multiple times with each bureau, and they have responded that the information was validated. 

However, these XXXX  do not belong to me and I have never filed for XXXX. I did not authorize anyone to use my personal information for such filings. The credit bureaus have failed to provide actual proof that these records are mine and have ignored my repeated disputes. 

I believe the bureaus are sourcing this inaccurate information from XXXX or another third-party public records vendor. As you are aware, XXXX  courts do not report directly to the credit bureaus, which means the bureaus can not validate these items with the courts directly. Without proper verification from the original source, these entries violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) Failure to conduct a reasonable reinvestigation.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy of the information in my file. 

I am requesting that the CFPB require Equifax, Experian, and TransUnion to : 1. Delete both XXXX  records from my credit reports immediately.

2. Provide documentation showing exactly how they verified the information, including the name and contact information of the source.

3. Cease and desist from re-reporting these XXXX  unless they can provide certified court records directly linking me to these cases. 

The presence of these false XXXX  is causing me severe financial harm, including loan denials, higher interest rates, and damage to my personal and professional reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The investigation did not fix the errors on my credit report

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 2025-08-11 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: CA

Complaint narrative:
I found an inaccurate late payment entry on my account that violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 data furnishing standards.

Account Under Dispute : Creditor : XXXXXX/XX/XXXX 
Partial Account # : XXXXXX/XX/XXXXAlleged Delinquency Date : XX/XX/year>XX/XX/XXXXOutstanding Balance : {$0.00} Metro 2 Segment in Violation : Base Segment Payment History Profile Field ( Field ID 19 ) E-OSCAR Code : 007 NEVER LATE I have never been late on this account. This late payment entry is fraudulent, inaccurate, and unverifiable. It is in non-compliance with : FCRA 1681i : Right to dispute and reinvestigation FCRA 1681e ( b ) : Duty of data accuracy FDCPA 807 ( 8 ) : Prohibition of false representation of legal status E-OSCAR Code 007 : No late payment has ever occurred Metro 2 Compliance Code " XX/XX/XXXX'' : Required placement during dispute 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 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
The loan was forced into default regardless of numerous letters sent to the ombudsman for assistance. Proof that payments were not being correctly applied and misapplied. Regardless that the proof was submitted in a hearing PHEAA lawyers at the time refused to allow the elderly judge to rule in my favor. His assistant at the time also pointed out that payments were made and not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
XXXX XXXX I received a letter from XXXXXXXX XXXX XXXXXXXX about a debt owed back about 8 or 9 years ago about a vehicle that was purchased and repossessed. I spoke with someone today from that debt collector. He told me that they requested my bank statements from my bank. He also said that whomever purchased the vehicle that I owed them {$13000.00}. I told him that I couldn't afford it and didn't make much. He also stated that they were going to take out 25 % from my check. I need to know what I can do to prevent this from happening. I'm barely making it myself and I can't afford to pay this money back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Charged-Off Account XXXX XXXX XXXX Account Ending in XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department I am formally disputing the reporting of the charged-off account ending in XXXX that is appearing as closed on my credit report. 

This reporting is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ) and XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX you may not furnish information you know or should know is inaccurate, and you must conduct a reasonable investigation when notified of a dispute.

Provide all documentation you claim supports this reporting, including : Original signed contract or account agreement Complete payment history from account opening through closure Documentation of charge-off date and manner of calculation Notices sent to me regarding the alleged charge-off If you can not fully substantiate every aspect of this accounts reporting, including accuracy of the dates and balances, you must immediately delete the account from all credit bureau records and confirm in writing. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau, the XXXX  Attorney General, and legal action under FCRA and XXXX  XXXX XXXX XXXX for willful violations. 


Best, 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Charged-Off Account XXXX XXXX XXXX Account Ending in XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department I am formally disputing the reporting of the charged-off account ending in XXXX that is appearing as closed on my credit report. 

This reporting is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may not furnish information you know or should know is inaccurate, and you must conduct a reasonable investigation when notified of a dispute. 

Provide all documentation you claim supports this reporting, including : Original signed contract or account agreement Complete payment history from account opening through closure Documentation of charge-off date and manner of calculation Notices sent to me regarding the alleged charge-off If you can not fully substantiate every aspect of this accounts reporting, including accuracy of the dates and balances, you must immediately delete the account from all credit bureau records and confirm in writing. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau, the XXXX  Attorney General, and legal action under FCRA and XXXX  XXXX XXXX XXXX for willful violations. 


Best, 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 2025-08-11 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:
Subject : Formal Dispute of Inaccurate Charged-Off Account XXXX XXXX XXXX Account Ending in XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department I am formally disputing the reporting of the charged-off account ending in XXXX that is appearing as closed on my credit report. 

This reporting is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may not furnish information you know or should know is inaccurate, and you must conduct a reasonable investigation when notified of a dispute.

Provide all documentation you claim supports this reporting, including : Original signed contract or account agreement Complete payment history from account opening through closure Documentation of charge-off date and manner of calculation Notices sent to me regarding the alleged charge-off If you can not fully substantiate every aspect of this accounts reporting, including accuracy of the dates and balances, you must immediately delete the account from all credit bureau records and confirm in writing. 

Failure to comply will result in escalation to the Consumer Financial Protection Bureau, the XXXX  Attorney General, and legal action under FCRA and XXXX  XXXX XXXX XXXX for willful violations. 


Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I am writing to formally report what I believe to be a scam involving Vanilla Gift Cards and to raise concerns about potential criminal activity associated with their handling.As part of our wedding gifts in XX/XX/2024, my husband and I received two Vanilla Gift Cards, each with a value of {$75.00}. Upon opening the sealed envelopes, we discovered that the card numbers and CVV codes were completely unreadable on both cards.We have contacted Vanilla Gift Card customer service multiple times, but have received little to no assistance. Most recently, today I spent an hour on the phone with a representative, only to be told that a previous case had been opened under a completely different namethis is inaccurate. Furthermore, they claimed the case was closed due to not receiving requested documents and receipts, but we were never asked to provide any documentation during our prior calls.Only my husband and I handled the sealed envelopes, and it is clear to us that something is seriously wrong. Each time we speak with customer service, we receive conflicting information, and the situation continues to go unresolved.Based on our experience and similar online reports from others, I strongly suspect that Vanilla Gift Card may be involved in fraudulent practicesdeliberately distributing defective cards and profiting at the expense of consumers. I believe this warrants further investigation.Please find attached photos of the cards and for your reference.Sincerely, XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Inconsistent Reporting Dates Across Bureaus - TransUnion last reported : XX/XX/XXXX - Equifax last reported : XX/XX/XXXX Inconsistent Date Last Active - TransUnion : XX/XX/XXXX - Equifax : XX/XX/XXXX Account Status XXXX XXXX - TransUnion : Closed - Equifax : Closed - Experian : Not reporting Past Due Still Reporting for a Charged-Off Account - TransUnion and Equifax both list {$3600.00} as past due, yet the account is charged off. 

Duplicate Account Numbers/ Privacy Issue - Account XXXX XXXX XXXXXXXX reported identically by TransUnion and Equifax Inconsistent Payment Status Terminology - TransUnion : " Charged off as bad debt '' - Equifax : Just says Charge-off No Activity Since XXXX But Reported in XXXX - Date of Last Payment : XX/XX/XXXX - Yet last reported on : XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Equifax ) This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every XXXX. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
Inconsistent Reporting Dates Across Bureaus - TransUnion last reported : XX/XX/XXXX - Equifax last reported : XX/XX/XXXX Inconsistent Date Last Active - TransUnion : XX/XX/XXXX - Equifax : XX/XX/XXXX Account Status XXXX XXXX - TransUnion : Closed - Equifax : Closed - Experian : Not reporting Past Due Still Reporting for a Charged-Off Account - TransUnion and Equifax both list {$3600.00} as past due, yet the account is charged off. 

Duplicate Account Numbers/ Privacy Issue - Account XXXX XXXX XXXXXXXX reported identically by TransUnion and Equifax Inconsistent Payment Status Terminology - TransUnion : " Charged off as bad debt '' - Equifax : Just says Charge-off No Activity Since XXXX But Reported in XXXX - Date of Last Payment : XX/XX/XXXX - Yet last reported on : XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Equifax ) This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every XXXX. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bliksum, LLC
State: SC

Complaint narrative:
I was contacted on the XXXX of last month by XXXX XXXX saying that I owe a debt that I do not recognize as my own. He told me different payment plans I could make, etc. I informed him that I couldnt make a payment regardless of if I owed the debt, and he said that he is just trying to get this taken care of before I get taken to court. I told them that I did not recognize the debt, and requested proof that it was mine. They told me to call the original creditor. I did and they could not verify that the company is the one that owned the debt, only that it was sold. I called them back and told them this and they said they would get me the proof and email me. I immediately drafted a letter, to mail certified in the future, requesting information. I did not mail the letter yet, as I was under the assumption that I had 30 days from their initial contact, since they are attempting to collect a debt. Today, they called and left a voicemail saying that they took pictures of my truck, and could possibly take that as payment if I didnt call within 48 hours. I called back very upset and said that I live on a private road, that I own, and do not want them on my property. Harassment in this manner is unwarranted and possibly illegal. I do not own the truck, it is financed, so I think this is just a harassing tactic to get me to pay. I received an email with the original contract, again, as proof that I owe XXXX money. I responded to the email containing the original contract, and let them know that I am receiving contact from 2 different companies about this and to please provide proof that they were the owner of the debt, and I would make a payment plan. In response I received an email telling me to call the original lender or HDH, a completely different company, and for me to track down the chain of debt. Are they not required to show me proof that they own the debt, and all the while threatening legal action and the threat of taking my vehicle? This is operating in bad faith as a collections company, or a mediator for a collections company.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED COMMUNITY BANK
State: UT

Complaint narrative:
On Saturday, XX/XX/XXXX electronic payment was initiated from United Community Bank to XXXX of XXXX XXXX. 'Electronic Funds Transfer Instructions ' were provided by XXXX XXXX process this transaction. Instructions were entered correctly except for the beneficiary address. Funds were sent on XX/XX/XXXX and show delivered on XX/XX/XXXX for {$22000.00}. XXXX have yet to receive this payment, they see nothing wrong with the payee details aside from the physical address being incorrect. United Community Bank have issued a trace but have not been able to locate funds or provide any details on what went wrong and when or if the funds can be recovered. Have been in touch with both customer service representatives for United Community Bank as well as the branch manager at the XXXX XXXX, Florida location where we opened the account. No resolution or progress after 4 weeks. XXXX state they can do nothing as they have not received anything and have no history of any transaction.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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