vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-09-17 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: CA

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-09-17 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-17 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was not informed in advance that my account would be closed, nor did I receive any explanation or written notice from the creditor, as required by law. This closure has negatively impacted my credit profile and financial planning. 


I respectfully request that the CFPB review this matter and assist in ensuring that [ Credit Card Issuer Name ] provides a full explanation and remedies any negative impact to my credit. 

Please let me know if additional documentation or supporting evidence is required. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 2025-09-17 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: CL Holdings LLC
State: TX

Complaint narrative:
Date Opened : XXXX Amount : {$1200.00} My Actions Already reached out to XXXX XXXX to ask for proof of debt or account. 

Company Actions XXXX should respond to the credit bureau with documentation proving the account is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

Complaint narrative:
XXXXRecently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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 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 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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MoneyLion Inc.
State: FL

Complaint narrative:
A fraudlent credit builder loan account was opened while i was recovering from a hospital visit. i contacted them informing my phone was lost prior to everything happened causing a leak of personal information as my phone had no password. i was advised to pay of half the loan to remove late payments after further research i called them back and spoke to a fraud investagator department.Then says they will investigate i have gotten no response and would like this account to be closed and for moneylion to dispute and remove this fraudlent account from my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
the collection agency is still reporting the account to XXXX.Equifax and XXXX I disputed this entry with all, but XXXX  returned the account as verified without providing the required method of verification. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ), Equifax is obligated to provide me with a detailed description of how the account was verified, including the documentation relied upon, the furnishers contact information, and the procedures used. They failed to do this and continue to report the account as valid.

Violations : The collection agency violated the FDCPA by filing a lawsuit without proper service and by continuing to pursue collection without providing validation of the debt.

Equifax violated the FCRA by reporting inaccurate information and failing to properly investigate or provide the method of verification. 
It's hurting me financially and reported to all credit reporting agencies ---

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-17 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: AL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-17 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: FL

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 non-monetary relief
Consumer complaint received 2025-09-17 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: Experian Information Solutions Inc.
State: TN

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 2025-09-17 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: VA

Complaint narrative:
Fraudulent accounts thats are on my credit report thay have been reported time and time again police report had been reported and the credit reporting agency had done nothing about it at all they have 7 business days to fix this or legal.action Will follow

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: VA

Complaint narrative:
Fraudulent accounts thats are on my credit report thay have been reported time and time again police report had been reported and the credit reporting agency had done nothing about it at all they have 7 business days to fix this or legal.action Will follow

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 2025-09-17 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: CAINE & WEINER COMPANY, INC.
State: TN

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 explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive sent letters Ive asked for Verification of a late payment or its removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Immediate Removal of Negative Items - Section 605 ( b ) Subject : Request for Verification or Removal I formally requested verification of a late payment reported on my credit file or its immediate removal. Below are the relevant details : Upon reviewing my credit report, I noticed that this late payment may not accurately reflect my payment history. I believe it could be an error, and I kindly request that you investigate this matter further.

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe to be inaccurate or incomplete on my credit report. I asked to Please provide me with documentation verifying the validity of this late payment. If you are unable to provide sufficient proof within 30 days, I request that they remove this entry from my credit report immediately.

According to 15 USC-1681 C-2 an 1681 S-2 they have broken the law I asked them in removing this fraudulent activity immediately 15 USC 1692g Sec. 809 { b } that the claim is disputed and validation is requested. 
They have reported inaccurate multiple accounts witch has damaged my credit Incorrect address an names after me proving proof I would like negative items removed immediately I appreciate your prompt attention to this matter

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 2025-09-17 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: IN

Complaint narrative:
I am submitting this follow-up complaint regarding multiple unresolved inaccuracies, unauthorized inquiries, and unverifiable information being reported on my credit files by Experian, Equifax, and TransUnion. These errors have negatively affected my credit standing and violate my rights under the Fair Credit Reporting Act ( FCRA ). Despite my prior disputes and the clear statutory protections provided under FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 1 ) ( A ), and 607 ( b ), the information remains uncorrected. Specifically, my Experian report includes addresses that do not belong to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX in XXXX XXXXXXXX well as inaccurate employment information under XXXX XXXX and XXXX. Additionally, Experian is reporting accounts from XXXX XXXX XXXX with false late payment notations between XXXX and XX/XX/XXXX, despite those accounts showing {$0.00} balances. These entries are inconsistent with other bureaus and must be removed under FCRA 611 and 623 ( a ) ( 2 ). Experian has also recorded an unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX, which lacks permissible purpose as required under FCRA 604 ( a ) ( 3 ). Similarly, my Equifax report lists an address that is not XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX well as an unauthorized inquiry from XXXX XXXX XXXX on XX/XX/XXXX. TransUnion is reporting the same incorrect address, along with inaccurate employment entries under XXXX and XXXX XXXX. It is also reporting a collection account from XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) with a balance of {$1700.00}, which is not mine and appears to be reported in error. TransUnion has additionally reported false late payments for DeptEdXXXX  accounts from XXXX to XX/XX/XXXX, despite those accounts also showing {$0.00} balances. Furthermore, there are several unauthorized hard inquiries on my TransUnion report, including those from XXXX ( dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXXXXXX XXXX ( XX/XX/XXXX ). These inquiries were made without my consent and have no legitimate purpose, in violation of FCRA 604 ( a ) ( 3 ), 611, and 609 ( a ) ( 1 ). To date, none of these disputes have been resolved, and I have not received proper validation or investigation results from the credit bureaus.

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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of the reporting on the Nelnet account referenced above. Due to multiple transfers and servicing changes, this account reflects duplicate and conflicting entries. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of information.

Pursuant to FCRA 611 ( a ), I am requesting verification of this account, including : A copy of the original signed promissory note ( s ), A complete and itemized payment history, Documentation confirming the current and accurate status coding.

Company response to consumer: Closed with explanation