vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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:
XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian and Transunion 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. This fraudulent, inaccurate, and false information consisting of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, 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 non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonab reinvestigation of disputed inforn credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I take full responsibility for the missed payment and sincerely apologize for the oversight. This payment delay was not intentional and occurred due to medical emergency. Since then, I have made every effort to ensure all payments are made on time, and my account has remained in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: AL

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 2025-07-10 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-10 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including the following : a XXXX XXXX account reported on XX/XX/XXXX that was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 
I demand the removal of all fraudulent hard inquiries from my credit report within XXXX days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are Unauthorized Inquiry ( XXXX ) : Date of Inquiry ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple accounts and inquiries on my credit report that I did not authorize, do not recognize, and have absolutely no connection to None of these belong to me, and this fraudulent activity is causing me serious distress and anxiety. This clearly indicates that I have been a victim of identity theft. I urgently request immediate action to address this situation. The fraudulent accounts currently appearing on my report are as follows : XXXX XXXX XXXX Card-Opened in XX/XX/XXXX ; XXXX-Child Support-Opened in XX/XX/XXXX ; XXXX XXXX-Credit Card -Opened in XX/XX/XXXX ; XXXX XXXX XXXX-Auto Loan-Opened in XX/XX/XXXX. Furthermore, my credit report shows hard inquiries that I never authorized or consented to, further demonstrating that I am a victim of identity theft. The unauthorized inquiries are as follows : TransUnion XXXX XXXX XXXX on XXXX XXXX ; Equifax XXXX-inquired XXXX XX/XX/XXXX ; XXXX-inquired on XX/XX/XXXX ; XXXX-inquired on XX/XX/XXXX ; XXXX-inquired on XXXX XXXX ; XXXX-inquired on XX/XX/XXXX ; XXXX-inquired on XXXX XXXX ; XXXX-inquired on XXXX XXXX ; Experian XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX XXXX  XXXXinquired on XXXX XXXX ; XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX-inquired on XXXX XXXX ; XXXX-inquired on XXXX XXXX ; XXXX XXXX - inquired on XXXX XXXX XXXX XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX XXXX-inquired on XXXX XXXX ; XXXX XXXX  XXXXinquired on 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 2025-07-10 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: CA

Complaint narrative:
Issue Type : Student Loan Federal Agency : U.S. Department of Education Federal Student Aid ( FSA ) Complaint : I respectfully submit this complaint to request corrective action from Federal Student Aid ( FSA ) regarding the misapplication of Public Service Loan Forgiveness ( PSLF ) and IDR adjustment policies to my Direct Consolidation Loan, which includes both subsidized ( Loan 36 ) and unsubsidized ( Loan 35 ) components.

As outlined in FSAs own guidance, [ a ] Direct Consolidation Loan is treated as a single loan for purposes of forgiveness. Once 120 qualifying payments are made, the full remaining balance is forgiven ( StudentAid.gov PSLF FAQs ). Additionally, the IDR account adjustment rules confirm that [ b ] orrowers who consolidate will receive a weighted average of qualifying months from the underlying loans ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 2022 ). 

Despite this, the Department appears to be treating my unsubsidized and subsidized components as two separate loans for forgiveness purposes. My StudentAid.gov account reflects over 120 qualifying payments on Loan 36 ( subsidized ), but the corresponding unsubsidized portion ( Loan 35 ), which shares the same consolidation date, repayment history, and employment certifications, shows significantly fewer qualifying payments and has not been forgiven. 

I have confirmed with both XXXX and XXXX that this is a single Direct Consolidation Loan. The separate tracking of PSLF counts appears inconsistent with published policy and results in unequal treatment of loan components that should be evaluated as one. 

I have submitted Employment Certification Forms covering over 130 months of qualifying public service employment, including periods of COVID forbearance, which per ED guidance [ will be ] credited toward IDR forgiveness and PSLF if employment is certified ( XXXX IDR Adjustment ). My PSLF tracker indicates over 199 eligible payment months, yet full forgiveness has not been applied. 

I currently have a PSLF reconsideration request, FOIA request, and Feedback Center case pending with FSA, but I have received no clear resolution. I respectfully request the following : 1. That FSA apply full PSLF discharge to the entire Direct Consolidation Loan, in accordance with 34 C.F.R. 685.219 and the Departments published policy ; 2. That all qualifying employment periods submitted via ECF be applied uniformly across both components of the loan ; 3. That a detailed accounting be provided showing how qualifying payment counts were determined and applied across the loan groupings.

I appreciate the Bureaus assistance in ensuring compliance with established PSLF and IDR adjustment policies and facilitating a timely resolution to this issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MA

Complaint narrative:
Account name : DEPT OF EDUCATION/NELN Account number : XXXX Under the protections afforded by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. XXXX XXXX, as a furnisher of information, must investigate my dispute, validate the debt with complete documentation, and correct or remove any inaccurate information within 30 days. 

I further invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., requiring that any debt reported or collected must be validated upon my request. 

I am requesting that you provide me with : XXXX. Complete validation of the alleged debt, including original loan documents, payment history, and account details. 
XXXX. Immediate removal of any inaccurate, outdated, or unverifiable negative entries related to this student loan from all credit reporting agencies. 
XXXX. Confirmation in writing that this matter has been fully resolved and that my credit report will be corrected accordingly. 

Failure to comply with these requirements will compel me to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue all available legal remedies to protect my rights. 

Please treat this as an urgent request and respond within the XXXX timeframe required by federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-10 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:
I want to make it unequivocally clear that this complaint is valid. My credit report contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These reporting errors are causing ongoing and unjust harm to my financial stability during an already challenging period.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Pursuant to the F.C.R.A., it is the duty of XXXX, Equifax and Experian to be reporting correct and accurate information on my credit report and file, however they are NOT. On my XXXX XXXX, Experian reports that the account is Current, but there was a 30-day late payment back in XXXXXXXX XXXX XXXX Equifax reports is as 'Paid as Agreed ', with one late payment in XXXX XXXX XXXX  reports as 'Paid or Paying As Agreed ', and NO delinquencies reported. These delinquencies are INCORRECT and should be reported ONLY as PAID AS AGREED. 
Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a 'transaction '. With that said, the reporting of the inaccurate late payments results in Experian and Equifax both violating my federally protected consumer rights. 
In addition, I did not give Equifax OR Experian written instruction/permission to furnish these inaccurate late payments on my consumer report and file, which means they have violated 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian and Equifax have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: LA

Complaint narrative:
SOUTHWEST CREDIT SYSTE is falsely reporting on my credit. I have never had any accounts with them. Per my research SOUTHWEST CREDIT SYSTEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation