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: WA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/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 non-monetary relief
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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/year> To whom it may concern, I do not agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
XXXX XXXX. 

XXXX  XXXX # XXXX XXXX XXXX # XXXX Sincerely 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to dispute the accuracy and validity of the following collection item listed on my credit report : - Creditor : Caine & Weiner ( Progressive Insurance ) - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$420.00} - Date Opened : XX/XX/year> Pay Status : Collection Under the Fair Credit Reporting Act ( FCRA ) Sections XXXX ( a ) ( XXXX ) and XXXX, I am formally requesting the following : XXXX. A copy of the original signed agreement or contract bearing my signature. 
XXXX. Documentation proving the legal transfer or assignment of this debt, showing the chain of ownership from the original creditor to the current reporting agency. 
XXXX. Proof that the reporting party has the legal right to collect and report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year>, I sent a payment of {$2500.00} via XXXX through my Huntington Bank account to phone number ( XXXX ) XXXX, enrolled as XXXX. This payment was made for credit repair services advertised on XXXX by a person using the handle XXXX XXXX. 

The individual presented himself as a professional offering legitimate credit repair assistance. After I sent the money, all communication stopped. I was blocked on XXXX and by phone, and I never received any services in return. This was clearly a scam, as the person took the money and completely disappeared. 

I contacted Huntington Bank to report the incident and requested an investigation into the fraudulent activity. Despite providing the XXXX confirmation number ( XXXX ) and explaining the situation in full, my claim was denied. 

I am now seeking further assistance and escalation, as I believe I was defrauded. I am requesting a proper review of the evidence and reconsideration of reimbursement. I authorized the payment under the belief that I was engaging with a legitimate business, but it was a scam designed to take advantage of people in need of financial help.

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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$56.00} XXXX  XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$45.00} XXXX  FINANCIAL - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} WEBBANK/FINGERHUT - Account Number XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

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

Complaint narrative:
Subject : Ongoing Furnishing Violations by Comenity and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Consumer Name : XXXX XXXX XXXX Accounts in Dispute : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX : Equifax XXXX XXXX Complaint Summary : This complaint pertains exclusively to ongoing Fair Credit Reporting Act ( FCRA ) violations by XXXX-related furnishers and XXXX XXXX XXXX consumer reporting agencies. These accounts have been under formal dispute since Fall XXXX, yet XXXX has : Provided invalid or unverifiable account verification responses Continued monthly CO charge-off reporting, despite settlement/closure Failed to update metadata in compliance with XXXX XXXX formatting standards XXXX misleading tradeline information with suppressed dispute flags On XX/XX/XXXX, my retained counsel XXXX XXXX XXXX sent XXXX XXXX XXXX to Equifax, XXXX, XXXX XXXX XXXX FCRA XXXX XXXX b ), XXXX ( a ) ( XXXX ), and XXXX ( a ) ( XXXX ) ( A ). These letters explicitly detailed noncompliance, re-aging, and failure to conduct reinvestigations. Despite this, the tradelines remain active across all XXXX  bureaus as of XX/XX/XXXX. 

Violations Documented : XXXX XXXX. XXXX ( b ) Continued furnishing without verification XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to mark tradelines as in dispute XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct reinvestigation within XXXX  days XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to delete unverifiable information XXXX XXXX Violations Missing or manipulated delinquency dates, improper charge-off codes, incomplete payment history Confirmed Monthly Re-Aging Instances : XXXX XXXX : XXXX  months XXXX XXXX : XXXX  months XXXX XXXX : XXXX  months A response within XXXX  days ; otherwise, this complaint will be referred to the Florida Attorney XXXX Office and XXXX XXXX XXXX XXXX XXXX XXXX supporting exhibits for formal enforcement and consumer protection action and will be referred to my FCRA attorney for further legal action Supporting Exhibits : XXXX. Equifax Deletion Demand XXXX. XXXX  Deletion Demand XXXX. XXXX  Deletion Demand XXXX. Chart of XXXX XXXX FCRA XXXX XXXX XXXX Violations ( XXXX XXXX ) XXXX. Failed Vaildation ( XXXX ) where failed to meet FCRA guidelines for verifications and were " INVALID '' XXXX. Samples of XXXX XXXX of Similar Behaviors that ended in fines.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Ongoing Furnishing Violations by XXXX  and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Consumer Name : XXXX XXXX XXXX Accounts in Dispute : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX  TransUnion Complaint Summary : This complaint pertains exclusively to ongoing Fair Credit Reporting Act ( FCRA ) violations by Comenity-related furnishers and all XXXX  national consumer reporting agencies. These accounts have been under formal dispute since Fall XXXX, yet XXXX  has : Provided invalid or unverifiable account verification responses Continued monthly CO charge-off reporting, despite settlement/closure Failed to update metadata in compliance with XXXX XXXX formatting standards XXXX misleading tradeline information with suppressed dispute flags On XX/XX/XXXX, my retained counsel XXXX XXXX XXXX sent XXXX XXXX XXXX to XXXX XXXX XXXX TransUnion XXXX FCRA XXXX XXXX b ), XXXX ( a ) ( XXXX ), and XXXX ( a ) ( XXXX ) ( A ). These letters explicitly detailed noncompliance, re-aging, and failure to conduct reinvestigations. Despite this, the tradelines remain active across all three bureaus as of XX/XX/XXXX. 

Violations Documented : XXXX XXXX. XXXX ( b ) Continued furnishing without verification XXXX XXXX. XXXX ( a ) ( XXXX ) Failure to mark tradelines as in dispute XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct reinvestigation within XXXX  days XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Failure to delete unverifiable information XXXX XXXX Violations Missing or manipulated delinquency dates, improper charge-off codes, incomplete payment history Confirmed Monthly Re-Aging Instances : XXXX XXXX : XXXX months XXXX XXXX : XXXX  months XXXX XXXX : XXXX  months A response within XXXX  days ; otherwise, this complaint will be referred to the Florida Attorney XXXX Office and XXXX XXXX XXXX XXXX XXXX XXXX supporting exhibits for formal enforcement and consumer protection action and will be referred to my FCRA attorney for further legal action Supporting Exhibits : XXXX. XXXX Deletion Demand XXXX. XXXX  Deletion Demand XXXX. TransUnion Deletion Demand XXXX. Chart of XXXX XXXX FCRA XXXX XXXX XXXX Violations ( XXXX XXXX ) XXXX. Failed Vaildation ( XXXX ) where failed to meet FCRA guidelines for verifications and were " INVALID '' XXXX. Samples of XXXX XXXX of Similar Behaviors that ended in fines.

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: PA

Complaint narrative:
Im writing personally to dispute several closed accounts on my credit report that contain errors or can not be verified. 

Under the Fair Credit Reporting Act ( XXXX and XXXX ( b ) ), if these accounts can not be verified with original documents, they must be deleted not just marked disputed. If theres no permissible purpose for reporting them, that also violates XXXX. 

Please conduct a proper reinvestigation and delete any unverifiable items. I request an updated report once the review is complete.

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: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
On XX/XX/XXXX, I received a check from the US Department of Education for {$3500.00} for a refund due to the IDR Discharge. 

On XX/XX/XXXX, I received a check from the US Department of Education for {$3500.00} for a refund due to the IDR Discharge. 

On XX/XX/XXXX, EdFinancial sent me a bill stating I owed {$2000.00} with {$1900.00}. 

On XX/XX/XXXX, I called EdFinancial and stated my loans were part of the IDR Discharge and the US Department of Education showed a {$0.00} balance as did my credit report. They validated that on the phone and assured me they will close the account. 

On XX/XX/XXXX, EdFinancial sent me another bill stating I owed {$120.00} for my student loan. I thought it was an error, so I ignored it. 

On XX/XX/XXXX, I received notification the my credit score changed and went down over XXXX points due to the student loan being added back and showing a status on Unknown. 

On XX/XX/XXXX, I called EdFinancial again and they stated that they made an overpayment in the form of a duplicate check and that they reopened my loan. They stated they attempted to call me in XXXX of XXXX to alert me, but I didn't answer and they left no voicemail. They also admitted to not sending anything in writing ( email or letter ). And they stated that I owe them for their mistake because I should have known it was a duplicate check even though I had XXXX loans they consolidated.

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: Experian Information Solutions Inc.
State: MI

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. 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. Equifax, TransUnion and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Global Lending Services LLC
State: AL

Complaint narrative:
XXXX. XXXX XXXX Inquired on XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. GLOBAL LENDING SERVICE Inquired on XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. GLOBAL LENDING SERVICE Inquired on XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/year> Business Type : Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) XXXX XXXXGLOBAL LENDING SERVICE Inquired on XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX  XXXX Inquired on XX/XX/year> Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> Business Type : Finance Companies - non specific XXXX XXXX XXXX  XXXX  XXXX, XXXX ( XXXX ) 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: 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: IA

Complaint narrative:
COPY AND PASTE DISPUTE LETTER REDACT ANY SENSITIVE INFORMATION THE CFPB DOES NOT WANT INCLUDED

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: Experian Information Solutions Inc.
State: FL

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  ] Account Number : [ 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