vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-26 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: NY

Complaint narrative:
I am deeply concerned about the false information and unauthorized negative mark appearing on my credit report. I have no connection to this account or inquiry, nor have I ever approved any actions involving XXXX XXXX XXXX. This incorrect and damaging information is negatively affecting my credit rating and jeopardizing my financial security. The item in question is fraudulent and must be removed immediately : XXXX XXXX XXXX Account 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 2025-11-26 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: NY

Complaint narrative:
I am deeply concerned about the false information and unauthorized negative mark appearing on my credit report. I have no connection to this account or inquiry, nor have I ever approved any actions involving XXXX XXXX XXXX. This incorrect and damaging information is negatively affecting my credit rating and jeopardizing my financial security. The item in question is fraudulent and must be removed immediately : XXXX XXXX XXXX Account 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 2025-11-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
I received an XXXX as a result of a class action suit against XXXX user privacy, in the amount of {$27.00}, which did not require activation. I attempted to make a purchase at a XXXXXXXX XXXX XXXX XXXX XXXX, and the transaction was declined. Right after, I attempted to pay a bill online, for XXXX, and that was also declined. I realize that I had entered the wrong expiration date, so I tried again with all the correct information and it was still declined. After not being able to use the card, I called the XXXX number for customer service. I was informed that the card was blocked. The representative went over the transactions with me and stated that I would be getting a replacement virtual card within XXXX hours. 
Instead of getting the replacement card I received a phone call. The caller ID said XXXX XXXX XXXX, but supposedly it was the credit card company. When I spoke to the person on the phone, they stated that documentation is required in order to receive the replacement virtual card. The rep stated that I would be receiving an email detailing the types of documentation they needed in order to process my request. 
The email I received was from XXXX XXXX, and they were requesting a photo ID, a utility bill, in a bank statement. I could not understand why they needed all of that information to issue a replacement virtual card considering the fact that I was not doing business with them directly in the first place, and I received the virtual card from the settlement administrator. This is what caused me to believe that there must be some type of fraudulent activity going on. When I did not submit the information they were requesting, they sent another email saying that the account was closed and I have XXXX  Days To reopen it or it would be closed permanently and I would lose the funds. 
I contacted the settlement administrator and informed them of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
identity was stolen during a data breach. ANY ALL NEGATIVE ACCOUNTS SHOULD BE REMOVED DUE TO THE FAIR CREDIT ACT BLOCKED AND NO MORE REPORTING SHOULD BE DONE

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 2025-11-26 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:
Dear Sir/Madam, I am submitting this complaint to address several inaccuracies and discrepancies on my credit report. Below are the specific accounts I am disputing, separated by bureau. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$960.00} Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX  Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX  Account Number : XXXX Late Payment Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Green Square Company LLC.
State: MS

Complaint narrative:
I was contacted via phone today by PRG XXXX XXXX Department about two debts from XXXX and XXXX. I requested written validation of the debts and the woman on the phone said they would not send that. They would only send the contracts with the company the original debt was for via email. I was requesting validation of the debt, their ownership of it, and the statute of limitations to make sure it is something I do owe. She repeatedly refused and threatened to have me served within 48 hours. According to my attorney, it is illegal to refuse to validate a debt and use threatening tactics.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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:
I am writing to dispute the following items on my Equifax credit report. The accounts listed below have been reported incorrectly or contain inaccurate information : CHARGED OFF XXXX  XXXX XX/XX/XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XX/XX/XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance : {$1600.00} XXXX BANK XXXX XX/XX/XXXX Balance : {$530.00} XXXX XXXX XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$740.00} XXXX XXXX XX/XX/XXXX Balance : {$210.00} INQUIRIES XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-26 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: NY

Complaint narrative:
I am writing to dispute the following item on my Equifax credit report. The account listed below has been reported incorrectly or contains inaccurate information : CHARGED OFF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I am tired of filing complaints with you people because I get nowhere and yes, I am right! I had paid my credit card completely off in XXXX and there were no charges on this account until XXXX. I went through and here is the math, so I did your job! As of XXXX 's bill, I had a credit of XXXX dollars I made a purchase at XXXX of XXXX another purchase at XXXX of XXXX a XXXX transaction of XXXX I believe another purchase for glasses their fee of XXXX and interest of XXXX that equals XXXX. EVERYTHING ELSE WAS BROUGHT BACK TO THE STORE AND RETURNED INCLUDING FLOWERS AND XXXX ALL RETURNED. They are saying my bill is over XXXX now I am really tired of filing these complaints and you people not doing your job!! I will give you all statements from paid off to this month 's bill. I also have a recording of them not helping me and lying!! DO YOUR JOB

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: CA

Complaint narrative:
I am requesting a formal review of inaccurate and unfairly harmful credit reporting by my student loan servicer, CRI, related to the federal student loan repayment restart in early XXXX. 

Before the restart, I had a near-perfect credit score of XXXX and a flawless multi-year payment history with my previous servicer, XXXX. I manually paid every month and had never missed a single payment. This XXXX XXXX  delinquency period is the only lapse I have ever had, and it coincided directly with the federal restart. 

Following the transition from XXXX and the multi-year forbearance, billing statements were not sent to my correct address, and I did not receive clear or timely communication that repayment had resumed. Some emails were missed because they did not contain any specific billing details, due dates, or late-payment warnings, and I received no physical statements at all. Given the length of the federal pause and the servicer transition, I believed I would receive proper notice before payments became due again. 

Because I did not receive proper statements or clear repayment instructions, I was unaware that my account had become delinquent. During this same period, I was also facing a significant personal caregiving hardship that made it more difficult to identify the issue. As soon as I realized what had happened, I paid the entire remaining loan balance in full in XX/XX/year>. 

CRI is now reporting multiple late-payment entries ( XXXX, XXXX, XXXX, and XXXX  days past due ) to the credit bureaus. This single cluster of restart-related delinquencies caused my credit score to drop by approximately XXXX points, despite my long history of responsible financial behavior. These late marks are now preventing me from securing housing as I return to XXXX XXXX in XXXX for my graduate program, creating substantial and disproportionate hardship. 

Given my previously excellent credit standing, my perfect history with XXXX, the misrouting of billing statements, the lack of clear or timely communication during the repayment restart, and the fact that the loan is now fully paid, I respectfully request that CRI correct or remove the late-payment reporting. I am requesting that CRI review the accuracy and fairness of the reporting and determine whether these late marks should be deleted, as they do not reflect my long-term payment behavior and were caused by restart-related communication issues outside my control. 

Attached is the goodwill adjustment request I submitted to CRI. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

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 explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint to address several inaccuracies and discrepancies on my credit report. Below are the specific accounts I am disputing, separated by bureau. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$960.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$28000.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$21000.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$15000.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$76.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX CARD Account Number : XXXX Late Payment Date : XX/XX/XXXX XXXX  Account Number : XXXX Late Payment 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: TN

Complaint narrative:
Checkr is reporting an expunged criminal record on my background check. 
The case number is XXXX ( THEFT OF MERCHANDISE SHOPLIFTING & FAILURE TO APPEAR ). 
This case was officially expunged by a judge, and I provided Checkr with the courts signed expungement order multiple times. 
Despite this, Checkr responded that the information is accurate and complete and refused to remove it. 
Under the Fair Credit Reporting Act ( FCRA ), reporting expunged or sealed records is prohibited because it is legally inaccurate. 
This violates : 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to correct errors after reinvestigation Because the case is expunged, it should not appear on any background check for any purpose.

What I have done so far : I disputed the information with Checkr four times. 
I sent the official expungement order each time.

Checkr still refuses to delete the expunged record and is continuing to report it.

Impact on me : This inaccurate reporting has harmed my ability to obtain employment and caused emotional distress. It is unlawful for Checkr to report an expunged case. What I want : I am requesting that the CFPB req
uire Checkr to : Remove the expunged record immediately Issue an updated and corrected background report Notify any employers who received the inaccurate report Confirm compliance in writing I am attaching : The official expungement order Checkrs denial email A copy of the background check reporting the expunged case Please assist in resolving this ongoing FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: DC

Complaint narrative:
I am writing to formally dispute certain inaccuracies on my credit report. Below, I have outlined the disputed accounts for each bureau. Please review the details provided and ensure that these items are investigated in accordance with the Fair Credit Reporting Act ( FCRA ). Thank you for your prompt attention to this matter. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK, XX/XX/XXXX Late Payments : XXXX, Account : XXXX XXXX XXXX XXXX Account : 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NV

Complaint narrative:
Cedars Business Services first contacted me on XX/XX/year> claiming I owed a balance of {$2900.00} for a company called XXXX XXXX XXXX XXXX. I have never had any business with XXXX XXXX XXXX XXXX and I do not recognize this debt. 

Four days later XXXX XXXX, I received another email from Cedars Business Services showing a different balance of {$4800.00}. In that message, they stated that the debt would be reported to my credit on XX/XX/year> if I did not contact them. They also stated that if I did not dispute it by that date, they would assume their information was correct. 

Their email included a link titled Submit a Dispute, but when I clicked it, it only took me to a payment portal, not a dispute page. I emailed them multiple times requesting verification/validation of the debt and sent a cease and desist request, but they have never responded with any verification. I emailed them on XX/XX/year> and XXXX only continue sending the same automated email asking me to pay. 

They have never provided proof that this debt belongs to me and continue to contact me despite my repeated disputes and requests for verification. I am asking the CFPB to investigate, require Cedars Business Services to stop contacting me about this unverified debt, and prevent any inaccurate information from being reported to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PENTAGON FEDERAL CREDIT UNION
State: WY

Complaint narrative:
PenFed is trying to collect on my paid-off auto loan # XXXX. The loan was fully satisfied, and PenFed issued a Lien Satisfaction Letter dated XX/XX/year>. I also have the title showing the lien release. Despite this, PenFed is claiming I still owe money. I am requesting correction of their records, confirmation of the {$0.00} balance, and an explanation of why they attempted to collect on a closed loan

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