vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
My information reporting on my credit report is not accurate. 
My address is not correct and the company is giving me a hard time making the necessary changes. Which is effecting the accurate reporting. 
Also my my personal information and employment information. I tried to reach out in numerous occasions and no help was giving. I have tried to mail in a copy of my social which they requested to verify myself and they stated nothing was received. I have attached a copy of my social which was asked for me to mail in which I did and the company never received

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 2025-07-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a valid FTC Identity Theft Report and invoked my rights under Section 605B of the Fair Credit Reporting Act. 

I requested the immediate blocking of the following accounts as they are fraudulent and not authorized by me : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Despite providing all required documents ( ID, FTC report XXXX written statement ), Experian has refused to block these accounts. 

Under the FCRA, they are required by law to block this information within XXXX business days. I am requesting the CFPB enforce compliance and demand removal of these fraudulent accounts immediately.

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 2025-07-17 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
am submitting this formal complaint against XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b and 15 U.S.C. 1681s-2 ( a ). 

XXXX has placed an account on my credit report without my knowledge or consent, and they have repeatedly changed the reporting information, creating inconsistencies and confusion that negatively impact my credit profile. This conduct is in direct violation of my rights under FCRA. 

Under 15 U.S.C. 1681b, a consumer report may only be accessed or furnished if there is a permissible purpose, such as with the consumers written authorization. I have never authorized XXXX to open or report any account in my name and no documentation has been provided to justify this reporting. 

Furthermore, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires that information furnished to credit reporting agencies must be accurate and complete. XXXX has repeatedly altered the account details, including changing dates, balances, and account status, without explanation. This pattern of inaccurate and misleading reporting constitutes a willful violation of federal 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
I, XXXX XXXX XXXX XXXX, identified multiple pieces of inaccurate personal information listed on my Experian credit report. Despite previously contacting Experian multiple times to correct these errors, they continue to report incorrect names, addresses, and phone numbers that do not belong to me. These inaccuracies include names that are not my legal name, past addresses where I have never lived, and phone numbers I do not own or use. 

This misinformation not only violates federal law under 15 U.S. Code 1681 and 1681c2, but it also negatively impacts my life, including my ability to secure credit and conduct financial transactions.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: NV

Complaint narrative:
Kimball , Tirey & St. John LLP Duplicate Collection Reporting and Failure to Validate Debt To Whom It May Concern, I am submitting this formal complaint against Kimball , Tirey & St. John LLP for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Kimball , Tirey & St. John LLP has reported two separate collection accounts on my credit report, both with the exact same balance, which appears to be a duplicate entry intended to damage my credit profile or exert pressure to pay.

In addition to this, I have never received any validation of these accounts. Under 15 U.S. Code 1692g of the FDCPA, any debt collector must provide proper written notice of a debt and must cease collection activity until the debt is validated upon request. I was never given the opportunity to dispute or verify the legitimacy of these debts before they were reported to the credit bureaus.

This reporting of duplicate debts for the same amount, without validation or supporting documentation, is : Deceptive and misleading under FDCPA 1692e A violation of my right to accurate credit reporting under the FCRA, 15 U.S. Code 1681s-2 ( a ) Unfair and abusive collection conduct I am requesting the following actions be taken : A full investigation into Kimball, Tirey & St. John LLPs reporting practices.

Immediate deletion of the duplicate entry and/or any unvalidated account.

A formal response from the collector showing proper debt validation including the original creditor, contract, and itemized balance.

Corrective action to ensure my credit report reflects only accurate, verified information.

Thank you for your time and attention to this serious matter. I respectfully request a prompt resolution to restore my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CO

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Experian failed to conduct reasonable reinvestigations, including failing to forward all relevant information to data furnishers, relying excessively on furnishers ' responses, and inadequately notifying consumers of dispute outcomes. This has led to incorrect information remaining on consumers ' credit reports, potentially impacting their access to credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I am submitting this complaint regarding MOHELA and the U.S. Department of Educations failure to accurately credit my qualifying payments toward Public Service Loan Forgiveness ( PSLF ), despite my consistent employment at qualifying nonprofit institutions and proper documentation. 

I have submitted all required employment certification forms for * * two verified qualifying employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  employed for 1 year. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX employed full-time from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite working over 10 years in qualifying employment, the PSLF payment tracker still only shows XXXX qualifying payments as of XX/XX/XXXX, far below the accurate total I believe Ive made. 

I have submitted multiple inquiries and PSLF forms over the past * * three years * *, including : * * * XX/XX/XXXX * * Consolidated my FFEL loans into a Direct Loan at 3.5 % interest to ensure PSLF eligibility, following all published guidelines under the * * PSLF Limited Waiver * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Submitted a PSLF form listing both XXXX XXXX XXXX XXXX Despite listing full verified employment, MOHELA showed * * XXXX qualifying payments * * at the time. 
* * * XX/XX/XXXX * * I wrote again requesting a full tally of payments made while at XXXX ( XXXX ). No resolution was provided. 
* * * XX/XX/XXXX * * I followed up again, explaining I had nearly 10 years of qualifying payments and that the tracker still failed to reflect this. I also inquired about adding * * XXXX XXXX XXXX XXXX * *, where XXXX currently employed, to ensure future payments are properly tracked. 

Each time, I received either no resolution or generic responses. I have consistently ensured that : * My employers are qualified 501 ( c ) ( 3 ) nonprofits.

* I submitted proper PSLF forms and employer certifications.

* My loans are consolidated and eligible under PSLF rules.

* I have made regular, on-time payments over this entire period.

Given my employment history, I conservatively estimate Ive made over 110 qualifying payments toward the required 120 for PSLF. I believe I am * * only one or two payments short * * of full forgiveness and have been since early XXXX. 

Despite this, from MOHELA and the Department of Education regarding my payment count, I am only seeing the XXXX payments counted on each loan ; there are huge gaps such as skipping from the year XXXX to XXXX -- what about all the payments made in between those dates when I was employed at XXXX  This situation has caused undue stress and financial burden. 

Thank you for your attention to this matter. I look forward to your help in resolving this prolonged and harmful issue.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-17 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: GA

Complaint narrative:
There are several inaccuracies on 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 2025-07-17 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
Earlier today, I checked my credit report like I always do and found accounts that shouldnt be there. I attempted to refresh the page assuming it was a temporary glitch, but nothing changed. Im requesting a full review of the documents Ive submitted so I no longer have to worry about this problem.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Terrill Outsourcing Group
State: PA

Complaint narrative:
I came in to work to find out someone from XXXX XXXX  called my job. I never spoke to nobody from this office and now they are harassing me through my employer. That's not right. Im already having problem as is. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-17 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-07-17 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-17 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 do not recognize these inquiries, and they appear unauthorized. Prompt investigation and resolution are requested. Relevant paperwork is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I visited the XXXX XXXX XXXX XXXX location on XX/XX/year> to cancel my membership in person. The staff refused to process my cancellation, saying they could not help me. Later that same day, I received notice that my account was sent to collections by XXXX XXXX XXXX, claiming I had not canceled. 

I then emailed XXXX XXXX directly to dispute this debt and formally request confirmation of cancellation. Their reply stated they had no record of a cancellation and requested I provide proof despite the fact that their own gym refused to allow me to cancel when I showed up in person. This is a clear contradiction and appears to be a bad-faith billing tactic to justify an illegitimate collections action. 

This debt is now appearing on my credit report and damaging my score. I never received proper written notice or an opportunity to resolve this before it was sent to collections. I am requesting a full investigation and for this item to be removed from collections and from my credit report immediately. 

This violates consumer protection laws under the Fair Credit Billing Act ( FCBA ) and the Fair Debt Collection Practices Act ( FDCPA ), including wrongful collection and failure to honor cancellation attempts.

Company response to consumer: Closed with explanation