vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00}, XXXX XXXX XX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-04 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: FL

Complaint narrative:
Good morning, I am submitting this complaint because XXXX has failed to update my student loan records after a confirmed discharge through the U.S. Department of Education under the Borrower Defense to Repayment program. 
My discharge ( Case # XXXX ) was approved and confirmed by the Department of Education on XX/XX/year>. Despite this, XXXX continues to report the loan as active and/or in repayment status, and it is still appearing on my credit reports. 
I have contacted XXXX multiple times, provided a copy of the discharge letter, and requested the correction. To date, no action has been taken, and they have not provided any updates or explanation. 
This inaction is now negatively impacting my credit and financial standing. I am requesting that : XXXX update their records to reflect a {$0.00} balance and " discharged '' status.

They notify the credit bureaus of the correction. 
They confirm the update in writing. 
I am attaching my discharge confirmation letter from the Department of Education, along with proof of communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good morning, I am submitting this complaint because XXXX has failed to update my student loan records after a confirmed discharge through the U.S. Department of Education under the Borrower Defense to Repayment program. 
My discharge ( Case # XXXX ) was approved and confirmed by the Department of Education on XX/XX/year>. Despite this, XXXX continues to report the loan as active and/or in repayment status, and it is still appearing on my credit reports. 
I have contacted XXXX multiple times, provided a copy of the discharge letter, and requested the correction. To date, no action has been taken, and they have not provided any updates or explanation. 
This inaction is now negatively impacting my credit and financial standing. I am requesting that : XXXX update their records to reflect a {$0.00} balance and " discharged '' status.

They notify the credit bureaus of the correction.

They confirm the update in writing.

I am attaching my discharge confirmation letter from the Department of Education, along with proof of communication.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Good morning, I am submitting this complaint because XXXX has failed to update my student loan records after a confirmed discharge through the U.S. Department of Education under the Borrower Defense to Repayment program. 
My discharge ( Case # XXXX ) was approved and confirmed by the Department of Education on XX/XX/year>. Despite this, XXXX continues to report the loan as active and/or in repayment status, and it is still appearing on my credit reports. 
I have contacted XXXX multiple times, provided a copy of the discharge letter, and requested the correction. To date, no action has been taken, and they have not provided any updates or explanation. 
This inaction is now negatively impacting my credit and financial standing. I am requesting that : XXXX update their records to reflect a {$0.00} balance and " discharged '' status.

They notify the credit bureaus of the correction.

They confirm the update in writing.

I am attaching my discharge confirmation letter from the Department of Education, along with proof of communication.

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 2025-07-04 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: IL

Complaint narrative:
I have submitted multiple formal dispute letters to [ bureau_name ] regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ bureau_name ] 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 2025-07-04 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 2025-07-04 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: MI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-04 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} INQUIRIES : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
According to the FCRA, I am entitled to an investigation of my dispute by the credit reporting agency. I request that you conduct a thorough investigation into this matter and correct any inaccuracies that may be present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: MD

Complaint narrative:
I have disputed a XXXX XXXX  Bankruptcy showing on my credit reports several times. Each time, the credit bureaus have failed to provide information on how the Bankruptcy was verified. Attached is a letter stating the courts do not provide information to credit bureaus and does not verify 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 2025-07-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have disputed a XXXX XXXX  Bankruptcy showing on my credit reports several times. Each time, the credit bureaus have failed to provide information on how the Bankruptcy was verified. Attached is a letter stating the courts do not provide information to credit bureaus and does not verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stillman, P.C. d.b.a. Stillman Law Office
State: VA

Complaint narrative:
In XX/XX/XXXX, I received a voice message from a missed call from a individual by the name of XXXX XXXX from Stillman law office telling me to contact him or any other representative of the organization. Not being familiar, I didn't call back. Later, I go to the mailbox to retrieve the mail to see a letter from this same organization stated above. I open the communications to find verbiage stating that an alleged debt is owed to XXXX XXXX, XXXX whom they are representing. I have no knowledge of either organizations, but then notice that they mentioned XXXX XXXX XXXX  whom in late XXXX, early XXXX assigned/sold a charged off debt of the exact amount to XXXX XXXX XXXXXXXX XXXX XXXX In that time, I had filed a affidavit along with a FTC IDENTITY THEFT REPORT with CFPB against XXXX, XXXX and XXXX XXXX for identity theft, violation of my consumer rights, privacy rights etc. I even filed the identity theft with Virginia XXXX XXXX  XXXX. 

Now, here are two different organizations claiming this alleged debt is owed to them and are using harmful/threatening methods to coerce payment to this alleged debt which is yet again violation of the Privacy Act of XXXX, violation of numerous consumer laws, violation of the Telephone Collection Practices Act and more. This is a clear sign of purchased debt by some organization that probably purchased a batch of debt from pennies on the dollar in hopes to threaten consumers to pay them by use of XXXX. Postal Service which is a felony violation in itself. There is no contract, no account, and no type of agreement between myself and these organizations at all in existence, nor any verbal or written consent from myself allowing them to have my personal information, to call, Email or anything. They have violated me in every form. 

Please see all attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX, Alabama, XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama, XXXX Re : Dispute of Alleged Debt Under Civil Code 16810 Account Number : n/a To Whom It May Concern, I am writing in response to your recent communication dated [ insert date ], regarding the alleged civil liability and negligence claim against me. Pursuant to California Civil Code 16810, I am formally disputing the validity of this debt in its entirety and requesting full verification.

As allowed under California law, I request that you provide me with the following : 1. A detailed accounting of the alleged debt, including the original amount, any interest, fees, or other charges that have been added ; 2. The name and address of the original creditor, along with any documentation supporting the transfer or assignment of the debt ( if applicable ) ; 3. A copy of any judgment, contract, or agreement that provides evidence of my alleged liability ; 4. Proof of compliance with all applicable laws, regulations, and standards of care if this matter involves allegations of negligence or civil liability ; 5. The date and circumstances of the alleged incident or contract that supposedly gave rise to this obligation.

Please be advised that until you provide full verification, as required under Civil Code 16810, you must cease all collection activity, including reporting this matter to any credit bureau or threatening legal action.

If you fail to provide the requested documentation and continue to pursue this matter, you will be in violation of my consumer rights, and I will not hesitate to report your actions to the California Attorney Generals Office and the Consumer Financial Protection Bureau ( CFPB ). I also reserve the right to pursue any and all legal remedies available to me.

Please respond in writing within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX Let me know if you want this letter tailored to a specific company, incident, or type of negligence ( e.g., medical, landlord-tenant, auto accident ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX 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 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 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 2025-07-04 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: FL

Complaint narrative:
I am submitting this formal complaint regarding several inaccurately reported late payments on my credit report. I have disputed these entries with the original creditors and credit reporting agencies, but to date, the information remains unchanged, despite contradictions in the data and a lack of verification. 

The late payments in question involve the following issues : Account sold to another grantor XXXX Account number XXXX account was sold or transferred to a different creditor, yet late payments continue to be reported under the prior furnisher 's name. No documentation or Metro 2 compliance coding has been provided to justify the continued reporting by a former creditor. 

Paid-in-full account with conflicting remarks XXXX XXXX XXXXXXXX, Account number XXXX clearly shows in the comments section that it was paid in full as agreed and lists no more than 3 late payments. However, it is being reported with 12+ late payments, which is factually inconsistent and unverifiable. 

Another two accounts listed as late, but was never late XXXX. XXXX XXXX XXXX, Account number XXXX account was paid in full and never had a late payment. Despite this, two 30-day lates are being reported without proper validation, which I have disputed multiple times. XXXX. XXXX XXXX XXXX, Account number XXXX. 
In all of these cases, I have requested the following from the furnishers and bureaus, and have received no documentation in return : A complete payment history The Metro 2 codes used to classify and report these delinquencies A copy of the original creditors records or billing statements supporting the dates of late payment Explanation of how these accounts were verified despite clear errors or conflicts in reporting Under the Fair Credit Reporting Act ( FCRA ) : 609 ( 15 U.S.C. 1681g ) grants consumers the right to obtain full information in their file.

611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation and remove any item that can not be verified within 30 days. 
Despite this, the information has been marked as verified without producing supporting documentation. This calls into question whether a proper reinvestigation was conducted at all.

Request for Relief : I respectfully request the CFPB to : Direct the removal of any late payment notations that can not be fully substantiated or are clearly contradicted by the comments listed in the tradeline and or removal of the accounts.

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 2025-07-04 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: SC

Complaint narrative:
I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 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 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