vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: WI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT 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 XXXXXXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX CARD - XX/XX/XXXXXXXX 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
We are in litigation with XXXX XXXX  company and records are not trustworthy. 
Late debts showing on XXXX are not accurate. 
XXXX  is disorganized and currently in a large legal dispute that is ongoing. XXXX is an adversary and not very cooperative. They are treating me more like an opposing party than a partner. 
Can forward supporting docs from counsel and proof of payments.

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 2025-10-02 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: GA

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, a duplicate name and date of birth, and late payment statuses that should be updated. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for its repeated failure to conduct a reasonable reinvestigation of disputed items on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under the FCRA, consumer reporting agencies are required to investigate disputed information within 30 days of receiving a consumers dispute. TransUnion has failed to meet this obligation. 
On XX/XX/XXXX, I mailed a dispute letter to TransUnion requesting a reinvestigation of inaccuracies and specific details regarding their verification process. The items I disputed included : INQUIRY XXXX XXXX ( XX/XX/XXXX ) : Unauthorized inquiry. I did not authorize this inquiry, and TransUnion has not provided any evidence of verification. 
INQUIRY XXXX AUTO ( XX/XX/XXXX ) : Unauthorized inquiry. I did not authorize this inquiry, and TransUnion has not provided any evidence of verification. 
Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, ID XXXX This address does not belong to me. 


To confirm my identity, I enclosed copies of my government-issued ID, Social Security XXXX XXXX and proof of address. Despite providing full documentation, I received no investigation results or response. 
On XX/XX/XXXX, I mailed a second dispute letter regarding the same inaccuracies. Again, TransUnion failed to respond within the XXXX period required under FCRA 1681i. 
On XX/XX/XXXX, TransUnion issued a response stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is inadequate and noncompliant with the FCRA. I personally submitted these disputes, included all identifying documentation, and clearly demonstrated my identity. XXXX refusal to process my dispute letters is a violation of its statutory duty to conduct a reasonable reinvestigation. 
XXXX  repeated refusal to investigate and correct these inaccuracies has caused me significant harm, including : Damage to my creditworthiness and score Denial or limitation of access to fair credit opportunities Unnecessary stress and emotional distress resulting from ongoing reporting errors

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 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am a full-time XXXX  beginning my XXXX year of service, which is 18 years since the Public Service Loan Forgiveness ( PSLF ) program began. I completed the required XXXX qualifying payments in 2017, yet my loans have still not been forgiven. I am nearly at the point where I will have completed the eligibility requirements twice. 

- My loans remain in repayment status despite my eligibility for forgiveness. 
- The balance has continued to increase due to interest capitalization, even though I should no longer owe anything. 
- This prolonged delay has severely damaged my XXXX score, preventing me from accessing financial opportunities. 
- I have submitted required PSLF paperwork and have been in compliance with program rules, but my servicer has not processed forgiveness. 
- I also received conflicting information each month. At times, it is placed in automatic forbearance. Other times, it states that a payment is still due. The status changes weekly. 

I have been submitting paperwork every year. I believe this was going to XXXX. I also see that Edfinancial has my loans. I am not sure which is servicing the PSLF now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so XXXX constitute a violation of my rights under 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 explanation
Consumer complaint received 2025-10-02 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:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-02 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: GA

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXXXXXX XXXX  - XXXX - Account not mine

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end
unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXXXXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA 605B(15 . U. S. C.\n 1681c2) that you, the Experian credit reporting agencys block the information appearing\n on my consumer credit report that is the result of identity theft, and fraud within four\n business days of you receiving this complaint. This fraudulent, inaccurateand false\n information consist of personal credit card accounts, auto loans, personal loansand open\n end unsecured consumer accounts as follows:\n INQUIRIES:\n        XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX XXXX XXXX  Date: XXXX XXXX XXXX  ACCOUNTS:XXXX XXXX XXXX - Account Number: XXXX, Date Opened: XXXX XXXX, Balance: XXXX XXXX - Account Number: XXXX, Date Opened: XXXX, Balance: XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections\n appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in\n question as well as a copy of the consumer FICO credit report maintained by you which\n shows the said fraudulent items. I do not recognize these accounts, collections and hard\n inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing\n on my consumer credit report maintained by you were not opened, made or initiated by me.\n All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I\n have attached a copy of the FTC identity theft criminal complaint case number XXXX, as\n proof from the US federal trade commission that all of the aforementioned, consumer credit\n accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.'

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 2025-10-02 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: TX

Complaint narrative:
XXXX XXXX XXXXSocial: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXI believe you are in violation of my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\nInaccurate Personal Information\nMy credit report contains the following incorrect or outdated personal information:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis information is incorrect because [brief explanation  e.g., "I have never resided at this address" or "This is not my legal name"]. Please remove or correct this information immediately.\nUnauthorized or Inaccurate Inquiries\nAdditionally, the following inquiries appear on my credit report, which I did not authorizeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder the FCRA, a consumer reporting agency may only furnish a consumer report under specific circumstances outlined in  1681b. If these entities do not have a permissible purpose to access my credit report, these inquiries must 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 2025-10-02 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: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Date : XX/XX/year> signed up for Barclays XXXX XXXX credit card Date : XX/XX/year> meet the requirement for XXXX $ spending to received XXXX XXXX XXXX  Miles Date : XX/XX/year> received email from Barclays confirmed on XXXX bonus and only XXXX XXXX XXXX miles received Date : XX/XX/year> called over to Barclays regarding this issue, unable to solve this due to unexplained reason. 
Date : XX/XX/year> requesting CFPB to address Barclays missing XXXX XXXX XXXX  miles

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 2025-10-02 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: MI

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in 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
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: PA

Complaint narrative:
Complaint Summary I am filing a complaint against the XXXX nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) for inaccurate, incomplete, and inconsistent reporting of a XXXX XXXX  ( Acct. # XXXX * * * * ). Despite the account being closed and paid/settled, each bureau is reporting different and contradictory information regarding the balance, status, and payment history. These inaccuracies are materially damaging to my credit profile and violate the Fair Credit Reporting Act ( FCRA ). 

Details of Inaccuracies : - XXXX XXXX : Equifax reports {$0.00} balance, while TransUnion and Experian report a {$450.00} balance. 
- XXXX XXXX : Equifax reports 'Paid/Closed/Settled, ' while TransUnion and Experian continue to XXXX late XXXX notations. 
- XXXX Remarks : Remarks are inconsistent across bureaus, including 'Canceled by credit grantor, ' 'Closed due to inactivity, ' and XXXX accepted. ' Only XXXX closure reason can be accurate. 

Laws Violated : - FCRA 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy of the information.

- FCRA 611 : Consumers have the right to dispute inaccurate information, and CRAs must correct or delete unverifiable information.

- FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers ( Target/TD ) must not report information they know, or have reasonable cause to believe, 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 non-monetary relief