vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX  Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$2700.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Medical Date opened XX/XX/XXXX Balance {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On XXXX I purchased a Wesyern union money order from XXXX in XXXX, XXXX  but I accidentally washed it along with my clotthes. I went back to the store of purchase and I was given a receipt to enable me get a refund but Western union has declined my refund. A police report of the destroyed money order was filed but Western Union would still not allow me to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae has called from different phone numbers at least XXXX times per day for the past month ( example : call from XXXX at XXXX then again from XXXX at XXXX ). Sallie Mae has also contacted my father repeatedly for the past month in the same fashion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am writing to formally dispute the accuracy and completeness of my credit report. I am a consumer actively working to improve my credit and have noticed discrepancies that require attention. Below are the details of the accounts in dispute, separated by each credit bureau : Equifax ( EQ ) Charged Off Accounts XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX  Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IN

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Data Breach XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report. 

2. Data Breach XXXX  Account Number : XXXX This account is not mine, I never opened this account, I am a victim of a recent data breach. I have included an FTC report. Please investigate and remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MN

Complaint narrative:
I am disputing the following items on my Equifax credit report. These items, including charged-off accounts, inquiries, and late payments, need to be reviewed for accuracy and corrected : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the inaccuracies in my credit report as provided by the XXXX major credit bureaus. I am a consumer working to correct my credit, and I believe the following accounts are being reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, Account # XXXX, Opened : XX/XX/year>, Balance : {$530.00} This account has been reported inaccurately and I am requesting it be corrected. 

Inquiries : XXXXXXXX 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 XXXXXXXX These late payments are inaccurately reported, and I request verification of the reported delinquencies or their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
My account has been with the Customer Security Department since before XX/XX/year>. I have provided the required identification verification by fax and mail. They claim the copy of my Driver 's license is too dark and refuse to give me access to my statements.

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 2025-11-14 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: AZ

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2500.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$560.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3700.00} DISCOVERCARD Account Number : XXXX Date : XX/XX/XXXX Balance : {$3100.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$970.00} XXXX XXXX XXXXccount Number : XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance XXXX {$870.00} Inquiries : None Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX MTR 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Viking Client Services
State: OK

Complaint narrative:
In XX/XX/XXXX, I rented a vehicle from XXXX XXXX Car for the period of XXXX XXXX XXXX Several months later, I received a demand for payment related to a date of loss documented as XX/XX/XXXX, XXXX date well outside my rental contract period. I immediately contacted XXXX XXXX, the company handling subrogation for XXXX, to dispute the charge because the alleged loss/accident could not have occurred during my rental. 

Beginning XX/XX/XXXX, I made multiple attempts to resolve the issue. I called XXXX XXXX and was told that the subrogation XXXX, XXXX XXXX, would return my call. She did not. I sent follow-up emails on XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX, I spoke with another representative ( XXXX XXXX XXXX, who transferred me to XXXX XXXX, but again I received no reply. 

On XX/XX/XXXX, after weeks of no communication, I emailed again expressing concern about the lack of response. Later that day, XXXX XXXX finally replied, acknowledged she had not responded, apologized, and confirmed that the documentation clearly listed the date of loss as XX/XX/XXXX. She stated she would contact XXXX to determine if the wrong person had been charged. 

On XX/XX/XXXX, XXXX XXXX emailed again confirming that there is no money due right now pending a response from XXXX. 

Despite this acknowledgment and despite the fact that the documented loss date falls outside my rental period, I received a notice from Viking Client Services, a debt collection agency, in XX/XX/XXXX, demanding payment. 

This remains without resolutation and no substantive communication from XXXX XXXX or XXXX as of XX/XX/XXXX. 

Companies involved at this point include : - XXXX Car Rental - Fleet Response Subrogation XXXX ( XXXX ) - XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-14 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:
I am writing to dispute several items on my credit report, as I believe they XXXX be inaccurate or incomplete. Please review the following disputed accounts under each credit bureau. I request these items be corrected or removed as necessary. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please confirm if the {$0.00} balance on this account is accurate, as I have no record of a resolution or settlement. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account shows a {$0.00} balance. I request further verification that this is the correct amount owed. 

XXXX CRED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} The reporting on this account does not match the details provided by XXXX XXXX. Please investigate and confirm the accuracy. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Please provide evidence of payments or communication from XXXX regarding this charge-off. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX dispute this charge-off as I do not have any documentation from XXXX XXXX XXXX this balance. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} This balance appears to be reported incorrectly. Please provide verification of the debt or remove this entry.

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 2025-11-14 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:
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 non-monetary relief
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This said debt, is invalid. A validation of debt was requested to show MY signature from original creditor and its not able to be given. There is no documents supporting this debt being owed and/or mine. Failure on your company has resulted in me seeking an attorney to reach out to you and discuss legal actions that can and will be taken if this debt is not erased/deleted from my name without proper documentation of my signature from the original account with a break down on all payments made/received. Interest rates etc. Aside from that, when validation was requested i continued to get mail and phone calls which falls under harassment per my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/year> I requested the method of verification used for the public record ( bankruptcy ) that is being reported on my credit report. I was instead told that the dispute was frivolous. No method of verification was as ever provided 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/year> I requested the method of verification used for the public record ( bankruptcy ) that is being reported on my credit report. I was instead told that the dispute was frivolous. No method of verification was as ever provided 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 2025-11-14 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:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the Equifax data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX Account Number : XXXX * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} Account Name XXXX XXXX XXXX  Account Number : XXXX * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Account Name : XXXX XXXX  Account Number : XXXX * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX * * * * * * XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : Account Name : XXXX  Date of inquiry : XX/XX/XXXX Legal Basis for My Dispute XXXX. Violation of 15 U.S.C. 1681i ( FCRA Procedure in Case of Disputed Accuracy ) : Under this provision, you are required to conduct a thorough investigation of the disputed items within 30 days. Given that the accounts listed above are the result of identity theft stemming from a data breach, they are not authorized by me and therefore must be removed. 
2. Violation of 15 U.S.C. 1681c-2 ( XXXX of XXXX Resulting from Identity Theft ) : I am invoking my right under this section to request that all accounts resulting from identity theft be blocked from my credit file without delay. The Equifax data breach has directly resulted in the unauthorized use of my information, and maintaining these accounts on my file constitutes non-compliance with federal law XXXX. Equifax 's Negligence and Potential Liability : The breach, which exposed the personal data of over XXXX XXXX individuals, is welldocumented. 
As the affected party, my data was compromised through no fault of my own, and I hold Equifax and other reporting agencies accountable for ensuring my credit profile reflects only legitimate accounts. 
Consequences of Non-Compliance Failure to comply with the FCRA and applicable federal laws will result in the following actions : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) under 15 U.S.C.

1681s-2 ( b ), as this constitutes a failure to respond to and correct inaccurate or fraudulent information.

Initiating legal proceedings to seek statutory and punitive damages for willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o.

Reporting your non-compliance to state Attorney Generals offices, as consumer protection laws vary by state.

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 2025-11-14 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 submitting this dispute regarding the following items on my TransUnion credit report. These items, including charged-off accounts, inquiries, and late payments, need to be reviewed for accuracy and corrected : Charged Off Accounts : XXXX XXXXccount Number : XXXX Date Opened : XX/XX/year> Balance : {$4900.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6800.00} Inquiries : XXXX XXXX XXXX of Inquiry : XX/XX/year> Late Payments : XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
XXXX XXXX XXXX TransUnion for XXXX XXXX XXXX, Failure to Validate Debt, and Violations of Federal Consumer Protection Laws

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