vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have a strong record of on-time payments ; this doesn't add up. Please examine it.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
This is my second attempt to resolve an identity theft issue that continues to harm my credit, despite following every proper channel, including a prior complaint submitted to the CFPB. 

Over the past two years, I have been disputing multiple fraudulent collection accounts that do not belong to me, yet they still appear on my credit reports. These accounts are reported by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Credit Management Company ( CMC ). 

In XX/XX/XXXX, I filed a police report for identity theft and began contacting all three credit bureaus and the involved collectors. I have formally requested validation of the alleged debts including contracts or proof of account ownership but have received either no response or vague verbal promises of deletion that were never followed through. 

Despite these efforts, the accounts have been re-verified or continue to be reported without explanation. 

In response to my first CFPB complaint, CMC issued a letter that incorrectly referenced a person named " XXXX XXXX '' and employment at XXXX, which I have never had. 

They further acknowledged they no longer service the account and that it was returned to XXXX in XX/XX/XXXX, yet it is still appearing on my credit report, falsely associated with my name. This inconsistency further supports my claim of identity theft. 

This ongoing situation is jeopardizing my ability to secure a graduate school loan and continues to cause financial harm, stress, and reputational damage. 

I have taken every appropriate step, including : Filing a police report Submitting disputes to the credit bureaus Contacting collectors directly Providing documentation proving these accounts are not mine I am requesting a full investigation and that all fraudulent accounts be permanently removed from my credit reports. Continued reporting of these false accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and is materially harmful. 
Attachments : The original CMC response letter ( referencing XXXX XXXX ) The police report ( filed XX/XX/XXXX ) Dispute documentation If this issue is not resolved promptly, I am prepared to pursue further remedies, including legal action through my attorney, to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 

Please help enforce federal consumer protection laws and hold the responsible entities accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Per USC 1681g, I request these illegitimate accountsunrelated to mebe removed within 15 days.

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 2025-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
I have federal student aid loans that are eligible for forgiveness under the public safety loan forgiveness. 
I have enough qualifying payments through my employers. 
However the last employer that I submitted has remained in processing mode for over a year. 
Every time I call to find out what the delay is I get a different story and I am told to wait a little longer. 
Several times the customer service rep said they would escalate it up to a supervisor but I received no email replies regarding any resolution. 
I was advised by customer service several times to resubmit the form.

I have resubmitted this form three or four times at least over the past year and it never processes. 
It constantly shows in review. 

Every time I call I get the same story and nothing ever happens. 
I have worked as a paramedic for the past 20 years and have enough qualifying payments.

My past employers have all processed I have 87 qualifying payments.

I need 120 payments to qualify. 
My last employer XXXX XXXX will give me more than enough qualifying payments however the payments never are applied no matter how many times I've resubmitted this form. 
This has gone on for a year and I am getting nowhere with the website or customer service.

Customer service Representatives have verified to me many times that the form is visible to them with the correct information, but n

o one can explain why it is not processed. I have exhaus
ted every avenue with federal student aid and I need someone to step in and resolve this matter. 

Thank you XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with USC 1681g, I request the deletion of these fraudulent accounts within 15 days, as they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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 : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$930.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX. XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX Date : XXXX XXXX Date : 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

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 explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an a dequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: TX

Complaint narrative:
In XX/XX/year>XXXX, a {$1800.00} collection account from Kimball Tirey StJohn appeared on my credit report, allegedly for rental debt from XXXX XXXX XXXX. This debt is not mine I never owed this amount. The account was paid in full ( or had no valid balance ) before any collection action should have occurred. 

On XXXX XXXX XXXX, I emailed XXXX XXXX to dispute the debt and provided context. In their reply, they acknowledged I had disputed the charges but admitted they had no final confirmation that the debt was valid or that it was closed. Despite this, they referred me to the collection agency instead of verifying or correcting their records. 

I requested proof of the alleged debt, including a detailed account ledger and documentation of the balance at the time it was supposedly assigned to collections. No such proof has been provided by either XXXX XXXX  or Kimball Tirey StJohn.

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information and conduct a reasonable investigation when a debt is disputed. It is also a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), as they are attempting to collect a debt that is not owed. 

I am requesting immediate removal of this collection account from all credit bureaus, written confirmation that my account is resolved with a {$0.00} balance, and cessation of all collection activity related to this matter. 

Evidence available includes my payment proof, email correspondence with XXXX XXXX, and current credit report entries showing the disputed collection. 

ALSO, they have a bad reputation of doing this to ex tenants. My own friend who moved in after me was subject to the same false credit collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the inclusion of a fraudulent account on my credit report. I have never authorized or opened this account, and I have no connection to it whatsoever. Its reporting is misleading and is causing harm to my creditworthiness and personal financial reputation.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I was scammed by a business and escalated to my bank. The money was removed then given back to the scammars. 

I feel that there is no protection or the card company is using the opportuniity to get more money. 
I did not receive goods or services from the company. I spent 20 minutes there on a FREE evaluation.

I never heard from the company and they did not return my calls. They charged my card and claim they have documents I left there with NO paperwork or documents. These are scammers and I feel that Discover did not do their due dilligence. 

They did the same thing over after my call and credited my account again.-My credit is ruined! this is an account with a credit lock on it and no recent transactions. 

They closed the card out and sent me another one this time. Meanwhile I escalated to another agency because these scammers are using the error by discover to justify their scam. 

I thought that seniors were protected by scams and customers were protected by fraudsters. 

I am very uneasy with Discover because they let this scam slip and ruined my credit-all while telling me that they handled this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In line with USC 1681g, these fraudulent accountsmistakenly linked to meneed to be removed in 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is unacceptable and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts has caused significant harm and concern.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I've consistently paid on time, so this late report seems inaccurate. Please look into it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I received notice that I was banned from Venmo. I have since reached out 5 times, with no response from anyone let alone a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
Kia wrote my car off on they taxes to receive a tax break, I have yet to receive a XXXX from the creditor to verify that the information is correct and have not received it for over XXXX years

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent account that appears on my credit report. I did not authorize, open, or have any association with this account. Its reporting is entirely false and is causing substantial damage to my credit profile and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT IS FRAUDULENT AND NEVER AUTHORIZED BY ME. THIS ACCOUNT NEEDS TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX XXXX  {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT IS FRAUDULENT AND NEVER AUTHORIZED BY ME. THIS ACCOUNT NEEDS TO BE PERMANENTLY DELETED FROM MY CONSUMER REPORT IMMEDIATELY... XXXX XXXX  {$490.00}

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 explanation