vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-21 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-08-21 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: NV

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-21 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: CO

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: KS

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 consists of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: NY

Complaint narrative:
I attended this institution from XX/XX/XXXX, to XX/XX/XXXX, pursuing [ insert program ]. At the time of enrollment, I was assured that the school was fully accredited and that the credits I earned would transfer to other colleges. I was also told that the degree would prepare me for meaningful employment in my field. 

After completing my program, I discovered that these statements were false : Credits Are Not Transferable : The credits I earned were not accepted by other accredited institutions, making it impossible to continue my education without starting over. 

XXXX XXXX : The school misrepresented its accreditation status. The degree I earned has limited recognition, preventing me from pursuing professional opportunities and further education. 

XXXX and XXXX XXXX : I borrowed significant federal student loans under the impression that I would receive a legitimate, transferable education. Because of this deception, I have been unable to advance financially or professionally. I am now forced to enroll in a community college to obtain a proper, accredited degree in the same field, requiring additional loans for education I should have already completed. 

Repeated Denials : I have contacted Navient multiple times to request relief or a refund, but each time I have been told that I do not qualify, despite the clear misrepresentation and financial harm caused by the institution. 

The actions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and misrepresentation, and my situation aligns directly with the criteria for Borrower Defense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint because my credit report with Experian contains multiple inaccuracies in my personal information that must be corrected immediately, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing valid documentation, my file continues to show incorrect name variations, outdated or unauthorized addresses, and inaccurate employer information. 

Name Correction : The correct and only legal spelling of my name is XXXX XXXX XXXX. Any other name variations, misspellings, or incorrect entries must be permanently deleted. ( Proof attached : [ provide appropriate ID, e.g., Social Security Card ] ) Address Correction : The only valid address associated with me is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Any other outdated, incorrect, or unauthorized addresses should be deleted accordingly. Some addresses listed no longer belong to me, and I simply seek for my personal information to reflect maximum accuracy. ( Proof attached : Proof of Address ) Employer Correction : The employer information currently reported is incorrect. My only valid employer is XXXX XXXX XXXX XXXX  XXXX XXXX, and any other listed employer must be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the maximum protection and accuracy regarding the personal information reported on my credit file. Specifically : 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies follow reasonable procedures to assure the maximum possible accuracy of the information they report. Failure to maintain accurate records, such as listing incorrect names, outdated addresses, or inaccurate employment information, violates this obligation and can seriously impact a consumers financial standing.

15 U.S.C. 1681i ( a ) : Mandates that upon receiving a dispute, credit bureaus must conduct a prompt and thorough reinvestigation to verify the accuracy and completeness of the disputed information. If the information can not be verified, it must be corrected or deleted without delay. This ensures that consumers are not burdened by incorrect or unverifiable data.

15 U.S.C. 1681b : Limits the furnishing of consumer information strictly to those who have a permissible and authorized purpose. Any inclusion or reporting of unauthorized information such as outdated addresses or inaccurate employer records not only compromises consumer privacy but also constitutes a breach of this federal requirement.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The company called Midland Credit Management located in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI, XXXX reported 4 accounts on my credit report derogatory. I have no idea what these accounts are from. It says they were for accounts opened in XXXX  I called the company and provided my full name & social security. They told me they have no records of any account information with my name on it. They transferred me to someone else to do a more internal search and still could not find any information on me at all. They put this on my credit report while I am in underwriting to refinance a home loan and now the lender is saying that debt has to be paid off. However, there is no debt to pay off. I have asked Midland Credit to provide something in writing stating that I do not owe any money. They explained that they are unable to provide any information. I have disputed on my credit report however that process will take time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
In accordance with USC 1681g, these false records are to be isolated and erased within 15 days from the date of notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MA

Complaint narrative:
I opened a Netspend account after receiving an advertisement that if I opened a new account and fulfilled the terms, I would receive {$200.00} within 5 days. I opened the account on XX/XX/year>. XXXX of the terms was to receive a direct deposit of {$400.00} or more. I did that on XXXX. Another XXXX of the terms was to activate the debit card was to activate the debit card and use it which I did on XXXX. From there I was meant to receive the bonus within XXXX business days per their terms. Just to be sure all would be good for the {$200.00}, I sent them a message on XX/XX/XXXX asking if there was anything else I needed to do to receive the bonus. They replied to call their customer line. I did that on XX/XX/XXXX, they told me everything looked good on their end. Its not the XXXX and I haven't received anything yet even though the terms said XXXX XXXX and I followed up.

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 2025-08-21 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX XXXX and the credit reporting agency for repeatedly and unlawfully reporting a debt that I do not owe. Despite prior disputes and removals, this collection account continues to reappear on my credit file without proper verification. 

The account details are : Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  Claimed Balance : {$4700.00} Account Number : XXXX Status : Collection account Date Opened : XX/XX/year> Address of Furnisher : XXXX, UT XXXX This account has been removed after disputes, only to be reinserted again without new evidence or validation. The credit agency has not provided me with the required reinsertion notice or certification of accuracy. 

This conduct violates several federal laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate disputes and report only accurate information. XXXX XXXX XXXX has failed to do so. 

FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) : Deleted information can not be reinserted unless the furnisher certifies its accuracy, and the credit agency must notify the consumer within XXXX business days. I have not received such notice. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Debt collectors can not misrepresent the legal status of a debt. Repeated reporting of an unverified debt is a misrepresentation.

FDCPA, 15 U.S.C. 1692d : Prohibits harassing or abusive conduct. Continuously re-reporting a deleted, unsubstantiated debt is harassing. 

I am requesting the CFPB to : XXXX XXXX XXXX XXXX repeated reporting of this unverified debt. 

Investigate the credit agencys failure to comply with reinsertion notice and certification requirements. 

Require the credit agency to permanently delete this account from my file. 

Take appropriate enforcement action to stop these violations. 

I will provide supporting documentation including dispute history, credit reports, and evidence of the repeated removals and reinsertions. 

This ongoing conduct has harmed my credit and caused significant stress. I request the CFPBs intervention to protect my rights under the FCRA and FDCPA.

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 2025-08-21 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: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Received {$7.00} prepared card for equifax data breach. The card is denied from all stores when I try to used. Ive tried multiple times a with different retailers ( XXXX. XXXX and XXXX ) and they have all been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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