vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-11-26 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 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 Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX - Balance : {$980.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$1600.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$600.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I am disputing the following items on my credit report with TransUnion. I request that you investigate and make the necessary corrections as stipulated under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. 

CHARGED XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$690.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, Balance : {$19000.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$14000.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$5900.00} INQUIRIES No inquiries in dispute. 

POSITIVE No positive accounts in dispute. 

LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-26 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:
Dear Sir/Madam, I am writing to dispute certain accounts listed on my credit report as they are inaccurate, incomplete, or incorrect. Please see the details below for the accounts in question. 

CHARGED OFF Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX OF Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-11-26 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-11-26 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: AZ

Complaint narrative:
Would you verify the accuracy of this entry? Its late and possibly flawed.

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 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-11-26 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XX/XX/XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
I am filing a second formal dispute about multiple tradelines on my credit report dated XX/XX/year>. The information shown contains serious errors, conflicting data across bureaus, and missing mandatory fields that indicate the furnishers and/or bureaus are not following reasonable procedures to ensure accurate reporting as required by FCRA 607 ( b ). I request a full reinvestigation and correction or permanent removal of any item that can not be verified within the 30-day period required by FCRA 611.

Summary of problems : Multiple accounts show large date conflicts ( e.g., Date Last Active / DOFD ) between bureaus. 

Required Metro 2 data fields are missing or inconsistent ( e.g., High Credit, Account Type, Terms ).

Balances and account types are reported differently across bureaus, making the account histories unreliable. 

XXXX. XXXX XXXX ( Revolving Account # XXXX ) XXXX. XXXX ( XXXX Account XXXX XXXXXXXX  ) XXXX. XXXX XXXX XXXX / XXXX ( Duplicate Charged-Off Accounts ) Disputed Collection Accounts ( Furnisher/Debt Buyer Errors ) The following accounts exhibit duplicate reporting and fundamental data inaccuracies : XXXX. XXXX XXXX XXXX XXXX ( Collection Account # XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account XXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX ) - Account XXXX XXXXXXXX

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 2025-11-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint in regards to my private student loans being serviced by Firstmark. My current repayment plan is {$820.00} per month, but my annual income is {$23000.00}. I am on loan modification, but I can not afford this payment, especially when I have other bills to pay as well. I requested a hardship review and asked Firstmark to consider a payment that is sustainable based on my income. On XX/XX/year>, I called Firstamark services and spoke to a supervisor about lowering my monthly payment. The supervisor stated that the lowest the payment will be is about {$700.00} with the loan term extension, which is still unmanageable for me to pay. I proposed on XX/XX/XXXX if I can pay {$450.00} per month as it would be manageable with my income, but they refused. On XX/XX/XXXX, I requested my promissory note because I wanted to see how my interest is accruing as all the payments I made has went to just interest and not the principal, which was not explained to me. I called twice about the note, and Firstmark said it was being processed. I called again on XX/XX/XXXX requesting my promissory note and the agent, XXXX submitted the request again. I recieved the note today and will attach it with the complaint. I also have documentation of my income. I am requesting that the CFPB assist of reviewing my case and ensure Firstmark provides a payment plan aligned with my actual financial ability, including all available hardship or income- based repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 am filing this complaint because Experian is reporting accounts that contain inaccurate or incomplete information. I am requesting a full reinvestigation under the FCRA. 

Accounts in Dispute XXXX Acct : XXXX Reported since XX/XX/XXXX Balance : {$0.00} XXXX Acct : XXXX Reported since XX/XX/XXXX Balance : {$590.00} XXXX XXXX XXXX Acct : XXXX Reported XX/XX/XXXX Balance : {$440.00} Some of these balances, dates, and statuses appear inconsistent with the other bureaus. I am requesting that Experian verify all details with the furnishers and correct or delete anything that can not be fully validated.

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 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
on XX/XX/year> I ordered a high priced item ( XXXX ) from XXXX XXXX XXXX. The merchandise was paid for fully on their signature store card. I received emails regarding tracking info and shipping dates. I also received an email stating that the package would need a signature. On Sunday XX/XX/year>, the XXXX ; XXXX placed the item on my porch-NO SIGNATURE obtained. The only reason I knew he/she was there was because my dogs barked-as the door was open-anticipating that I needed to sign. I opened the package-EMPTY .. the case was there, cleaning cloth, a pamphlet in Italian language but NO SUNGLASSES!. I immediately called XXXXthey directed me to call XXXX. I started the claim process and was denied 3 times over a period of a couple weeks. During this time ; I reached out to the BBB, PA Attorney General and several news channels to investigate their business practices. XXXX frustrated with this situation, I spoke with several of my coworkers who informed to contact the " bank '' behind XXXX. I reached out to COMENITY CAPITAL BANK ; started their claim process. They stopped the monthly payment for the merchandise. I sent them all of the screenshots of the conversations that I had thus far to their bank via XXXX mail. Today ; I received an email stating that I am liable and that my claim had been dismissed. I am reaching out to you to see if anything can be done on your end-I researched the amount of individuals that this happens to, not only by this company but many more. It is so UNFAIR to have to go up against companies that have been in existence for many years, that they can just get away with this to their consumers!!! It is not the merchandise that troubles me-more so the fact that to them I AM THE LIAR. that it is virtually impossible for XXXX of their workers to have done this-I certainly don't have them or wouldn't be going through this trouble... thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Army and Air Force Exchange Service
State: PA

Complaint narrative:
On XX/XX/XXXX. I bought a XXXX dollar plus XXXX activation for a XXXX gift card for my wife for anniversary. She went to use it and it would not work. She went to check the balance and it said error occurred. She called the company and said it had been XXXX for compromised. Told her to take it back to store to exchange it. I took it back and the XXXX said they will not exchange gift card. I called store headquarter and they said they cant because it wasnt bought online and go back to the store. I tried again and they would nkt help 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 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6300.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1500.00}XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1300.00}, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$6300.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1500.00}XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1300.00}, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$140.00}

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 2025-11-26 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 am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : ( There are no inquiries listed for Experian ) Late Payment Accounts : XXXX Account Number : XXXXXXXX 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 2025-11-26 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: The Savings Group, Inc.
State: GA

Complaint narrative:
I was trading in my XXXX and needed the documents from where i refinanced my vehicle back in 2024 with XXXX XXXX 

I went to XXXX and went to the member sign in button and inputted my username and password. 

i simply logged in and they ran my credit. 
i never filled out anything they used my information and prior application and reran my credit trying to refinance me when i only logged in to retrieve my documents because im already a customer. 

i was referred originally thru XXXX XXXX last year in 2024 which is how i found out about company and how i was a customer already. 

i called them back and immediately told them to stop running my credit because i did not authorize or futher more never filled out any new application. I signed in just like i sign in to any other account.. 

they admitted it was a glitch on numerous calls i recorded but would not fix it. 

i called in and ask3d for management and they play the finger pointing game saying its credit karma when i have not ran any applications with them since 2024 when i got the original refinance. 

i traded the car in and was at the dealer trying to get my gap and warranty info for refund. 

i have supporting phone calls " recorded '' text messages browser history showing they are rerunning credit in a aggressive way to gain business and then playing the finger pointing game. 

I want the inquiry off my credit they put there from XXXXXXXX XXXX that i never authorized them to run.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief