vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-14 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IN

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Account Number XXXX Balance : {$190.00} Open Date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Account Number XXXX Balance : {$820.00} Open Date XX/XX/XXXX XXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance XXXX {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$11000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$900.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$740.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$160.00} XXXX Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$120.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WI

Complaint narrative:
MOHELA loas servicer - Unreasonably long wait times on phone calls, often on hold over 4 hours. Requested infomration multiple times and have received either no response or inaccurate repsones. Deceptive automated phone maze. Impossibe to speak to someone knowledgaeble. Increased payment without my permsision or notification and with no explanation.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: NY

Complaint narrative:
As of today, XX/XX/XXXX, I have made a {$320.00} payment off my student loan from Sallie Mae for at least XXXX consecutive months. That equals a total of {$25000.00}. Back in XXXX, I was approved for loan principle of {$18000.00} with an 11.25 % interest rate. I have been making payments on my own since my cosigner became deceased in XXXX. As of now, the current balance on my loan is {$20000.00}. Seem very odd, even with interest added, that I have made to forward progress whatsoever on this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Every representatives and supervisors I spoke to couldnt tell me the ( REASON ) why I couldnt get an ACTUAL CASH APP CARD all they could say is what the ERROR MESSAGE SAY, I need to know ( WHY ) because it cost me extra money to use my cash app account because I have to send money from my cash app to a XXXX bank card and they charge for that. But for some reason the will not send me a cash app card and I have direct deposit with cash app this is my last attempt trying to find out WHY Im having issues getting a card or I have to cancel my direct deposit with cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
i am a victim of a data breach and identity theft. Kindly block and delete the account within 4, business days as required by FCRA 605B, 15 USC 1681c-2.

I am formally notifying you that I am a victim of identity theft and a recent data breach, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S.C. 1692g, I demand full validation of all alleged debts reported or collected in my name. You are legally obligated to provide : The original creditors name and address, A copy of the signed contract or documentation bearing my signature, Proof that you are authorized to collect this debt, and A complete itemized breakdown of the amount allegedly owed. 

If you can not provide this information, you must cease all collection efforts and remove the account from any credit reporting agencies. 

Additionally, under 15 U.S.C. 1681i-7, I am invoking my rights to dispute information resulting from identity theft. I have been affected by a data breach and never authorized or opened the accounts in question. As such : I demand that you block and delete all fraudulent accounts associated with this identity theft. 

You are to immediately initiate a reinvestigation, and under FCRA law, remove any unverifiable, inaccurate, or fraudulent information. 

This is a formal dispute and notice. If you fail to comply, I will escalate the matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider taking legal action for your failure to protect my consumer rights. 

Accounts XXXX acc number XXXX open XXXX XXXX {$2100.00} XXXX account number XXXX open XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXX  acc number XXXX open XX/XX/XXXX {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: 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 four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00}

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 2025-07-14 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: TX

Complaint narrative:
I am writing to dispute the inaccurate reporting of XXXX separate accounts that are currently damaging my credit profile. First, the account reflecting late payments contains multiple inconsistencies and unverifiable derogatory remarks that violate my rights under FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ), which mandate that all information furnished to credit reporting agencies must be accurate and complete. If the furnisher can not provide full documentation confirming the accuracy of each late payment, then you are legally obligated to correct or update the information immediately. Second, the repossession account being reported was the result of a voluntary surrender, yet it is being misrepresented in a way that implies an involuntary repossession or forced seizure of property. This is a false and misleading portrayal of the facts and a direct violation of FCRA 1681e ( b ), which requires the reporting of data with maximum possible accuracy. Additionally, you have failed to provide verifiable evidence or proper reinvestigation within the time allowed under FCRA 1681i, which further justifies the immediate deletion of the repossession account from my credit file. These reporting errors have materially harmed my ability to obtain credit and demonstrate a pattern of noncompliance with federal consumer protection laws. If these issues are not resolved promptly, I will escalate with formal complaints and prepare to pursue all available legal remedies.

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 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate reporting of XXXX separate accounts that are currently damaging my credit profile. First, the account reflecting late payments contains multiple inconsistencies and unverifiable derogatory remarks that violate my rights under FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ), which mandate that all information furnished to credit reporting agencies must be accurate and complete. If the furnisher can not provide full documentation confirming the accuracy of each late payment, then you are legally obligated to correct or update the information immediately. Second, the repossession account being reported was the result of a voluntary surrender, yet it is being misrepresented in a way that implies an involuntary repossession or forced seizure of property. This is a false and misleading portrayal of the facts and a direct violation of FCRA 1681e ( b ), which requires the reporting of data with maximum possible accuracy. Additionally, you have failed to provide verifiable evidence or proper reinvestigation within the time allowed under FCRA 1681i, which further justifies the immediate deletion of the repossession account from my credit file. These reporting errors have materially harmed my ability to obtain credit and demonstrate a pattern of noncompliance with federal consumer protection laws. If these issues are not resolved promptly, I will escalate with formal complaints and prepare to pursue all available legal remedies.

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 2025-07-14 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:
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 XXXXXX/XX/year>, Balance : {$37000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$14000.00}

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 2025-07-14 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: MI

Complaint narrative:
Called to report identity theft and report addresses on my credit report that doesnt belong to me and was told they would remain because of the fraudulent accounts they were linked to still reporting to 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 explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
In relation to the Equifax , Inc . Customer Data Security Breach Litigation in the U.S. District Court for the Northern District of Georgia ( Case No. XXXX ), it is the responsibility of your agency to protect the rights of consumers like myself. You must ensure that all the applicable laws and regulations regarding the preservation and protection of consumer data are followed. Otherwise, you may be exposed to further legal action to ensure compliance. In particular, you must validate the accuracy and legality of the information being reported in accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. I have every reason to believe that you will be unable to comply with your duties pursuant to the federal law regulation.

I am requesting the certification of the accuracy of each and every piece of information, stated about me. I have never permitted or authorized for any of my personal or consumer information to be reported, released, or otherwise circulated by you in any way, shape, or form. Should you proceed to report any form of my personal information without my express, publicly available authorization, such an act would result in a direct federal law violation. The information is frivolous and needs to be removed, I have never authorized the accounts. 
Fraudulent Accounts : Furnisher : Dept of Education : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} : Open Date : XX/XX/XXXX ( Outdated ) Furnisher : Dept of Education : XXXX : # XXXX Balance : {$3900.00} : Open Date : XX/XX/XXXX ( Outdated ) Furnisher : XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$15000.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$1600.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$760.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX : # XXXX : Balance : {$1800.00} : Open Date : XX/XX/XXXX Problem : Identity theft through unauthorized account creation and reporting. 
I plea a certified statement of accuracy of all and any information that has been distributed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a XXXX XXXXXXXX and the XXXX XXXX department is responsible for this medical debt. I have informed this unknown creditor of this information. Now the unknown creditor has sold these 2 unverifiable debts to a 3rd party company. The 3rd party has illegal access to my credit report. These medical accounts are illegally and verifiably reflecting on my report. I want the sign contract between me and XXXX XXXX XXXX. I need validation of accounts XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am a XXXX XXXXXXXX and the XXXX XXXX department is responsible for this medical debt. I have informed this unknown creditor of this information. Now the unknown creditor has sold these 2 unverifiable debts to a 3rd party company. The 3rd party has illegal access to my credit report. These medical accounts are illegally and verifiably reflecting on my report. I want the sign contract between me and XXXX XXXX XXXX. I need validation of accounts XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: WA

Complaint narrative:
This is now my second formal dispute filed via the CFPB under FCRA XXXX against Experian. I originally submitted my identity theft package on XX/XX/XXXX and again on XX/XX/XXXX. I provided a full FTC Identity Theft Report, valid government-issued ID, Social Security card , and proof of address. As a result, Experian deleted some accounts but unlawfully kept the following identity theft-related accounts on my credit report : XXXX reported XX/XX/XXXXXXXX XXXX XXXX XXXX reported XX/XX/XXXX, and XXXX XXXXXXXX XXXX reported XX/XX/XXXX ( Account XXXX XXXX XXXX XXXX XXXX  ). This is a blatant violation of FCRA 605B, which mandates that all information resulting from identity theft be blockednot selectively. This is also inconsistent and violates 607 ( b ), which requires accurate and complete reporting. If Experian deleted XXXX XXXX XX/XX/XXXX and other items as identity theft, there is no legal or logical reason to leave these remaining accounts on file. This selective removal proves that Experian has already acknowledged the legitimacy of my claim, yet continues to report damaging false information. Their failure to fully comply is not just negligenceit is unlawful. These accounts were opened without my consent, authorization, or knowledge. They are harming my credit score and are preventing me from obtaining a fair mortgage rate. Every day this inaccurate data stays on my file, I lose real financial opportunity and peace of mind. I have no time to waste on Experians deliberate delay tactics. This behavior is unacceptable. I will be filing a complaint with the XXXX and preparing legal action if full removal is not completed immediately. I am not interested in excusesI demand full compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation