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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Credit Bureaus for Failure to Correct Inaccurate Bankruptcy Notation on Federal Student Loan To the Consumer Financial Protection Bureau, I am filing this complaint against the credit reporting agencies ( Equifax, Experian, and/or TransUnion ) for their failure to correct a fundamental and easily verifiable inaccuracy on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ).

1. The Problem : My credit reports from Equifax, Experian, and/or TransUnion contain a serious error. My federal student loan account, serviced by XXXX, is inaccurately reported with a bankruptcy notation ( e.g., " Included in Bankruptcy '' ). 

The specific account is : XXXX : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Inaccurate Information : The account status and/or remarks include a bankruptcy notation. 
2. Why This is a Serious and Obvious Error : This is a federal student loan. Under U.S. law ( 11 U.S.C. 523 ( a ) ( 8 ) ), federal student loans are non-dischargeable in bankruptcy outside of an extremely rare adversarial proceeding that I never undertook. It is a legal impossibility for this loan to be correctly reported as included in a standard bankruptcy. The continued publication of this information is fundamentally inaccurate and misleading to any user of 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 2025-11-14 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
This debt is in litigation with a car insurance company. Medical Debt Relief Act : Prohibits credit reporting agencies from listing medical debts on credit reports if they're paid within 30-45 days.

Consumer Credit Protection Act : Regulates debt collection practices and protects consumers from unfair reporting.

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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I transfered money to my chime account so it would be there to pay bills on XX/XX/year>. The charges were rejected so I spent all day talking to either ai our a rep and they told me that it was error but they would figure it out some time in XXXX hours so now I'm being charged late fees and other fees for something not my fault

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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 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 — Account information incorrect
Company: EQUIFAX, 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 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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MS

Complaint narrative:
Signed closing documents XX/XX/year> for XXXX odd dollars. Being told I owe XXXX odd dollars for charges and fees i knew nothing about. A closing cost that was supposed to be XXXX amount of dollars. But reported to credit companies the correct amount owed back which is XXXX but want me to sign a notary from construction to permanent loan for a XXXX amount asked for breakdown on what I was paying for. First time around never got a response from no one. Until I told them again after sending an agent out to sign off on XXXX that I needed a breakdown of what I was paying for. Cardinal fiance. Charged me XXXX for a mobile home and regional homes who I purchased from only charged approximately XXXX. There has been alot of fraudulent activities done through this entire process with cardinal financial. A mobile home was appraised at XXXX and nobody came out to inspect after construction was completed for such appraisal that high. So many hidden fees I knew nothing about. Nothing NEVER was broken down to me. They way it should have been

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to a business called XXXX XXXX car to inquire about a XXXX XXXX XXXX. There they told me I had to fill out an application for pre approval and that I would not be doing a hard inquiry. I mentioned to them multiple times that were they certain and the sales man by the name of XXXX said yes. I have been getting multiple letters from different auto loan banks and companies ( about XXXX so far ) about said car when I told them I didnt want to do that. I have been intentionally deceived and they ran my credit without my permission

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to a business called XXXX XXXX car to inquire about a XXXX XXXX XXXX. There they told me I had to fill out an application for pre approval and that I would not be doing a hard inquiry. I mentioned to them multiple times that were they certain and the sales man by the name of XXXX said yes. I have been getting multiple letters from different auto loan banks and companies ( about XXXX so far ) about said car when I told them I didnt want to do that. I have been intentionally deceived and they ran my credit without my permission

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I went to a business called XXXX XXXX car to inquire about a XXXX XXXX XXXX. There they told me I had to fill out an application for pre approval and that I would not be doing a hard inquiry. I mentioned to them multiple times that were they certain and the sales man by the name of XXXX said yes. I have been getting multiple letters from different auto loan banks and companies ( about XXXX so far ) about said car when I told them I didnt want to do that. I have been intentionally deceived and they ran my credit without my permission

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Issue : Attempted to Collect Debt Not Owed / Failure to Validate Debt Explanation : XXXX This complaint concerns an alleged XXXX XXXX account XXXX XXXX claims XXXX have purchased in XX/XX/year>. While XXXX deleted the collection tradeline during my previous CFPB complaint, their response still states the account remains valid and collectible, even though they have never validated the debt under FDCPA 809 ( b ). 

XXXX has repeatedly failed to provide : A signed contract Account application Billing statements Payment history Any documentary evidence that I opened a CareCredit account in 2024 Instead, XXXX provided only internal data from the seller, which does not meet FDCPA validation requirements and does not establish a legally enforceable obligation. 

Additionally, when I previously attempted to resolve this directly, XXXX accessed information using my fathers ( XXXX ) address and details, which shows contamination between XXXX individuals with the same name ( XXXX vs. XXXX ). This raises concerns about data integrity and the accuracy of the account attribution. 

The timeline is also irregular : Alleged account opened XX/XX/year> Charged off XX/XX/year> Sold XX/XX/year> This is unusually fast for a Synchrony/CareCredit charge-off and inconsistent with normal account lifecycle records. 


XXXX 's deletion of the tradeline supports that the account was not properly validated or verified, yet they continue to claim it is collectible. This exposes me to future re-reporting, re-sale of the account, or renewed collection attempts despite their inability to substantiate the debt. 

Requested Action : XXXX. Require XXXX to permanently cease collection. 


XXXX. Require XXXX to flag the account internally as can not be validated do not collect. 


XXXX. Require XXXX to prevent resale, transfer, or future reporting of this account. 


XXXX. Require XXXX to provide written confirmation that the account is closed and they lack validation to collect. 



I am attaching Midlands previous CFPB response demonstrating their failure to validate the alleged debt.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

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: TX

Complaint narrative:
Make certain that contested accounts are addressed and removed within mandated legal windows.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I need clarification as to why you are reporting certain information on my report. Please review the following : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/year> Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this unverifiable inquiry from my credit report. In addition, I did not give you ( Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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: SC

Complaint narrative:
Im filing this complaint against XXXX XXXX for selling my personal information to a debt collector ( third party ) with out my consent in which they made profit from according to what the representative at XXXX XXXX XXXX stated over the phone On XXXX XXXX about a debt that I do not owe. The WHOLE contract was Unilateral, Unfair in which didnt benefit me at all, there was no consideration at all they got paid from my SSN 5 times with one vehicle and also repossessed which is also against the law because the vehicle wasnt on my property at the time of repossession. At the time I knew nothing about what was going on instead of teaching me so I could know what route to take I was used and mishandled which led me to failure, lose of property, my home where I was renting, and XXXX XXXX XXXX XXXX. 3 years later their still holding this debt against me knowing theyve broken the law and profited off of my ssn and property now Im working extra hours trying to pay a debt thats impossible to pay off working for XXXXXXXX XXXX XXXX or should I call it DEBT BONDAGE OR BONDED LABOR OR SIMPLY XXXX XXXX, Imposed Debt, Or Debt Manipulation. This Is 100 % coercion!

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year> I check my credit report and see a unknown account on my credit report that is affecting my credit score Ive have no knowledge of this credit XXXX XXXX this is affecting my credit score. and it dropped my XXXX XXXX XXXX points. This credit collection did not send me no information on what this is about or if it even belongs 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Experian as well as XXXX XXXX XXXX, regarding an unverified and inaccurately reported collection account that appears on all three of my credit reports. 

The account being reported is : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX : {$600.00} Account Number : XXXX Date Opened : XX/XX/year> Status : Collection / unpaid I disputed this account with all three credit bureaus because the information is inaccurate, incomplete, and unverified. I requested supporting documentation including : A copy of the original service agreement with my signature Proof the collector has the legal right to collect this debt An itemized breakdown of the balance Complete account history from the original creditor None of the credit bureaus or XXXX XXXX XXXX provided validation or documentation as required under the Fair Credit Reporting Act ( FCRA 609, 611 ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite failing to verify the information, the credit bureaus continue to report this account as valid, which is a direct violation of the FCRAs accuracy and reinvestigation requirements. 

This inaccurate reporting is harming my credit profile and causing financial hardship. I am requesting that the CFPB intervene to ensure : The credit bureaus either validate the account with proper documentation OR remove the account entirely. 

XXXX XXXX XXXX provides legally required verification or stops furnishing unverifiable information. 

I am attaching dispute letters and copies of the entries appearing on my credit reports.

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