vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My student loan accounts with the XXXX Department of Education ( DOE ) specifically 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 appear to have been accessed, disclosed, or reported incorrectly without my consent. 

This may be a violation of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, which protects education records from unauthorized disclosure. It may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires the accuracy and integrity of information shared with credit reporting agencies. 

Because of these actions, my personal and financial data may have been mishandled, exposing me to potential identity-theft risk and damaging my credit reputation. The XXXX XXXX XXXX and its loan servicers have a duty to protect my information and ensure that it is reported accurately and lawfully.

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 2025-11-24 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:
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 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 2025-11-24 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
Car was repossessed and resold Santander Consumer usa said I had a remaining balance ( which is false information ) and sold debt to a XXXX party I gave absolutely no consent to do so .Now that is effecting me getting a home and vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
Meridian is attempting to collect a debt that I have properly disputed. Meridian must stop all collection efforts immediately and return this debt to the original creditor.

Meridian Financial Services received notice that this debt is disputed. Proper procedure requires Meridian to validate the debt or return it to the original creditor. Meridian failed to provide debt validation within the legally required timeframe. That window closed months ago.

I need to resolve this matter directly with the original creditor. Meridian must acknowledge that it can not collect this debt since it failed to validate it. They must cease all contact with me regarding this account.

Furthermore, Meridian Financial Services must remove any negative marks associated with this debt from all my consumer credit reports immediately. Their failure to validate the debt makes their continued collection action and any adverse reporting unlawful. 

Meridians refusal to follow the law and return this disputed debt creates an unnecessary hardship and impedes my ability to deal with the correct party. I demand that Meridian stop collection activity, return the debt, and clear my credit report. I expect immediate action from Meridian to correct this failure.

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 2025-11-24 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-24 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: KY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-24 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: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
This is my response to the information submitted by Mr. Cooper. That information was very helpful for me to understand more of what the problem is. Mr. Cooper identifies that it forced placed insurance on my property and then charged me for it. It should not have done this. I always had insurance. I confirmed this in writing to Mr. Cooper in a letter I sent on XX/XX/year>. I sent this letter to Mr. Coooper Attn : Account Services, XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. There was no reason for them to force place insurance. It was those charges that have resulted in negative information on my credit. I still want them to remove that negative information. It was their own mistake to force place the insurance when I already had insurance. 

Additionally, my account was never frozen. The issue was that they were asking for too much money and I had insured that I had just enough money in the account to cover what I actually owed. As clear from Mr. Coopers records, they received the proof that I had insurance from the time they requested proof, forward. Somehow, they claim that in XXXX of XXXX  they purchased insurance retroactively for XX/XX/XXXX, XXXX XX/XX/year>. I dont believe that they can charge me for the purported purchase of retroactive insurance. 

My prior insurance was with XXXX. Attached is the proof that I paid for that insurance during the time that Mr. Cooper says that I did not have insurance. Mr. Cooper has never identified why it thinks I did not have insurance for XXXX week in XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MD

Complaint narrative:
I am disputing the following accounts reported by TransUnion due to inaccuracies and incomplete reporting. These items are negatively impacting my XXXX XXXX, and I request a thorough investigation and correction of the information. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 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 : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : No inquiries reported for TU. 

Positive Accounts : No positive accounts reported for TU. 

Late Payment : XXXX Account Number : XXXX Date of Late Payment : [ Insert Late Payment Date ] Balance : [ Insert Balance ] XXXX XXXX Account Number : XXXX Date of Late Payment : [ Insert Late Payment Date ] Balance : [ Insert Balance ]

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 2025-11-24 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX  XXXX of inquiry : 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
SUPPLEMENT TO EXISTING CFPB COMPLAINT # XXXX PLEASE MERGE First Access is reporting incorrect account status and damaging my credit with inaccurate and misleading information. 

The balance showing is entirely made up of fees, not real purchases. I requested cancellation and verification, yet they continued to add charges and report false delinquencies.

Timeline : I disputed the account and requested verification, balance breakdown, and closure. 

Instead of responding, First Access continued adding fees and reporting the account as late/delinquent. 

They are reporting the account as open and past due, even though it should be closed with a {$0.00} balance. 

They have contacted me repeatedly from rotating phone numbers after a dispute was filed, which feels like harassment. 

They also misled the XXXX  in their response to my complaint, showing a pattern of avoiding proper investigation or correction. 


Violations : FCRA : furnishing inaccurate information while an account is under dispute Failure to investigate and failure to correct reporting Reporting false late payments and misleading account status Continuing to charge fees after cancellation request Harassing communications after dispute ( rotating spam numbers ) This is harming my credit and affecting my ability to secure housing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$84.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX XXXX XXXX Date of inquiry : 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 2025-11-24 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: NJ

Complaint narrative:
I am disputing inaccurate and/or unverifiable information on my TransUnion credit report. 

XXXX. Charged-Off Accounts : The following items are listed as charged off. Some contain date inconsistencies or appear duplicated across bureaus. I request verification and deletion if TransUnion can not confirm accuracy and ownership : XXXX  XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$1200.00} XXXX Card, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$330.00} The XXXX XXXX item again shows a future date ( XX/XX/XXXX ), which is invalid and must be corrected or removed. 

XXXX. Inquiries : The following inquiries are potentially unauthorized or not properly verified : XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) Please confirm whether these were authorized. If not, they should be deleted immediately. 

XXXX. Late Payments : XXXX XXXX XXXX, Acct : XXXX This account is showing late payment history that appears inaccurate. Please verify this directly with the creditor and remove any incorrect or unverified late payment notations.

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 2025-11-24 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am filing this complaint under 15 U.S.C. 1681c-2 to request the blocking and removal of fraudulent information appearing on my credit reports. I have been a victim of identity theft, and I have already submitted an FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as proof of my claim. I have also filed supporting complaints with the Office of the Comptroller of the Currency ( OCC ) and the Federal Reserve Consumer Help, all included with this submission, consistent with the documentation shown in my FTC report.

Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, the credit reporting agencies are legally required to block the fraudulent information within FOUR business days.

My credit report contains one fraudulent derogatory account and multiple unauthorized hard inquiries that I did not authorize and that do not belong to me.

FRAUDULENT ACCOUNT : 1 ) XXXX XXXX  Account Number : XXXX ( masked as shown in my credit report ) Nature of dispute : This account contains derogatory information, late payments, and negative comments that I dispute as inaccurate and unauthorized. XXXX XXXX  has failed to validate the reporting, and the information remains unresolved even after I submitted disputes and my FTC Identity Theft Report.

FRAUDULENT HARD INQUIRIES : These inquiries appear on my credit reports but were NOT authorized by me.

They are listed exactly as they appear in my credit report and FTC Identity Theft affidavit.

( Verified from FTC Report ) 1 ) FXXXX XXXX XXXXXX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 1681c-2, all fraudulent accounts and inquiries must be BLOCKED within four business days after submission of an identity theft report.

I request that the CFPB require XXXX, TransUnion, and XXXX  to : 1 ) Block and permanently remove the XXXX XXXX  derogatory account 2 ) Block and permanently remove all unauthorized hard inquiries 3 ) Remove all associated negative remarks or status codes 4 ) Provide written confirmation of the corrections 5 ) Prevent any reinsertion under FCRA 1681i ( a ) ( 5 ) ( B ) without proper certification Thank you for your prompt attention. This inaccurate reporting has severely impacted my credit and financial stability, and immediate correction is essential.

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