vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
I am filing this complaint because [ Experian / XXXX / XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX  XXXX ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : INQ - EX : XXXX XX/XX/XXXX XXXX XX/XX/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 2025-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
My old Paid Account with XXXX & XXXX was reported on my personal report. I have an active and good standing account with the Utility provider. The account was used after I relocated and was charged to me without my knowledge, the collection company made no attempt to give me notice, and therefore the account was reported outside the rules of the fair credit act. 

If they had contacted me in any way I would have given them the reference number and a copy of the paid bill, and the reporting negative or otherwise erroneous information would have never taken place. 

I demand them to review their records and identify that the debt was not mine and has been updated already with the utility company they are trying to represent. 

This type of shortcut tach tick ; is an actual violation of my rights and the company must correct the billing error and the negative reporting to my credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
I have been a victim of identity theft resulting in hardship and making my life difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-10-19 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me considerable emotional XXXX  and sleeplessness. Ive included all necessary documentation and urgently request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TN

Complaint narrative:
Initially received a notice on XX/XX/XXXX from XXXX and US Dept. of Education that my XXXX  Discharge had been approved for Student Loans that I had consolidated with my wife several years prior. My wife and I both understood that this would only apply to my consolidated portion of the loans which are now held by Mohela. 

The XXXX notice stipulated that the XXXX  Discharge date was effective XX/XX/XXXX and stated that " ... all payments on your loans received after XX/XX/XXXX ... will be refunded. '' See the enclosed XXXX notice dated XX/XX/XXXX. I initiated contact with XXXX advising them I had made payments on those loans between XX/XX/XXXX until approximately XX/XX/XXXX and that I should be due a refund of those funds paid which would be approximately {$2300.00}. XXXX responded by advising me they understood the issue but that they were no longer servicing the loans and that I would have to reach out to Mohela. See the XXXX response dated XX/XX/XXXX. I felt I was getting the runaround by this time as there were several emails back and forth and other communications and complaints filed. 

I then reached out to Mohela and corresponded with one, XXXX XXXX, Office of the Customer Advocate at Mohela who sent me a letter dated XX/XX/XXXX wherein she stated Mohela was essentially keeping those funds, even though the XXXX/Dept . of Education notice stated otherwise. See the Mohela Response letter enclosed dated XX/XX/XXXX. This is purely fraudulent as they are now withholding funds which I paid toward my portion of the consolidated loan after XX/XX/XXXX. The payment we made toward those loans made in good faith was apportioned to our individual loan amounts each month. We were never late, always paid and now it feels like Mohela is shrugging shoulders and not abiding by the notification we received and are therefore not acting in good faith. Please review the documentation enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
I am submitting a formal complaint and request for investigation against XXXX XXXX XXXX regarding inaccurate information being reported on my credit report. 

XXXX XXXX is reporting an auto loan account ending in XXXX to all three major credit bureaus XXXX XXXX XXXX  and TransUnion ). The loan amount was {$18000.00}. However, this reporting is incorrect and misleading because the loan was canceled by the creditor shortly after origination. 

I was informed by XXXX XXXX that my loan was canceled because I was approximately XXXX  days late on the first payment, and as a result, the contract was voided. Since the loan was canceled, there should not be any active or negative account reporting on my credit file. This account should not appear as open, delinquent, charged-off, or in any other negative status because the loan agreement was terminated by the lender. 

I have already attempted to resolve this matter directly with XXXX XXXX, but the inaccurate information remains on my credit reports. I am requesting that the Consumer Financial Protection Bureau investigate this issue and require XXXX XXXX to delete this account from my credit reports with all credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : Ending in XXXX Loan Amount : {$18000.00} Nature of Dispute : Loan canceled by creditor ; should not be reported Requested Resolution : Removal of the account from all credit reports Please review this matter and ensure that XXXX XXXX corrects or removes this erroneous reporting in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
I am submitting a formal complaint and request for investigation against XXXX XXXX XXXX regarding inaccurate information being reported on my credit report. 

XXXX XXXX is reporting an auto loan account ending in XXXX to all three major credit bureaus XXXX XXXX XXXX  and TransUnion ). The loan amount was {$18000.00}. However, this reporting is incorrect and misleading because the loan was canceled by the creditor shortly after origination. 

I was informed by XXXX XXXX that my loan was canceled because I was approximately XXXX  days late on the first payment, and as a result, the contract was voided. Since the loan was canceled, there should not be any active or negative account reporting on my credit file. This account should not appear as open, delinquent, charged-off, or in any other negative status because the loan agreement was terminated by the lender. 

I have already attempted to resolve this matter directly with XXXX XXXX, but the inaccurate information remains on my credit reports. I am requesting that the Consumer Financial Protection Bureau investigate this issue and require XXXX XXXX to delete this account from my credit reports with all credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Account Number : Ending in XXXX Loan Amount : {$18000.00} Nature of Dispute : Loan canceled by creditor ; should not be reported Requested Resolution : Removal of the account from all credit reports Please review this matter and ensure that XXXX XXXX corrects or removes this erroneous reporting in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance in resolving this issue.

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 2025-10-19 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:
Please rectify the mistake in my account by deleting the incorrect late payment entry. My payment history has always been punctual, and such an error has caused me distress and sleepless nights. I urge prompt correction to restore accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused ongoing XXXX  and disrupted my sleep. I have enclosed all proof for verification and ask for its immediate removal.

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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Affidavit of Truth To whom it may concern, As of today XXXXXXXX XXXX  ran my credit and performed a hard inquiry which my credit was denied and I XXXX XXXX XXXX lost XXXX points off my total credit score with no goods and services, also I XXXX XXXX XXXX was never given a chance of a Rescission notice of 15 UC code 1635 ( a ) i XXXX XXXX was never informed that i have XXXX days to rescind this contract agreement. Further more XXXX XXXX  fail to give me the option. 

15 U.S.C. 1691 is the Equal Credit Opportunity Act ( ECOA ), and 12 CFR 1002 is the Regulation B that implements the ECOA. Both laws prohibit creditors from discriminating against applicants for credit.

15 U.S.C. 1691 Prohibits creditors from discriminating based on race, color, religion, national origin, sex, age, or marital status Makes creditors liable for damages caused by noncompliance Requires creditors to notify applicants of adverse actions and provide a statement of reasons 12 CFR 1002 Prohibits creditors from discriminating against applicants on a prohibited basis Includes definitions for terms such as " application '' and " completed application '' Includes guidance on how creditors can consider an applicant 's immigration status and marital status The ECOA protects applicants from discrimination when applying for credit and after credit is extended. For example, the ECOA prohibits creditors from : Lowering the amount available on a line of credit because of a borrower 's national origin Requiring women with existing accounts to reapply for credit after getting married Imposing unfair terms or conditions on a loan based on personal characteristics, also Consumer financial protection Bureau US 15 6802 ( b ) c states that financial institutions can't disclose non-public and personal information without my consent.

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 2025-10-19 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Affidavit of Truth To whom it may concern, As of today XXXXXXXX XXXX ran my credit and performed a hard inquiry which my credit was denied and I XXXX XXXX XXXX lost XXXX points off my total credit score with no goods and services, also I XXXX XXXX XXXX was never given a chance of a Rescission notice of 15 UC code 1635 ( a ) i XXXX XXXX was never informed that i have XXXX days to rescind this contract agreement. Further more XXXXXXXX XXXX fail to give me the option.

15 U.S.C. 1691 is the Equal Credit Opportunity Act ( ECOA ), and 12 CFR 1002 is the Regulation B that implements the ECOA. Both laws prohibit creditors from

discriminating against applicants for credit. 15 U.S.C. 1691 Prohibits creditors from discriminating based on race, color, religion, national origin, sex, age, or marital status Makes creditors liable for damages caused by noncompliance Requires creditors to notify applicants of adverse actions and provide a statement of reasons 12 CFR 1002 Prohibits creditors from discriminating against applicants on a prohibited basis Includes definitions for terms such as " application '' and " completed application '' Includes guidance on how creditors can consider an applicant 's immigration status and marital status The ECOA protects applicants from discrimination when applying for credit and after credit is extended. For example, the ECOA prohibits creditors from : Lowering the amount available on a line of credit because of a borrower 's national origin Requiring women with existing accounts to reapply for credit after getting married Imposing unfair terms or conditions on a loan based on personal characteristics, also Consumer financial protection Bureau US 15 6802 ( b ) c states that financial institutions can't disclose non-public and personal information without my consent.

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 2025-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. This inquiry was made without my authorization and is the result of identity theft. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft claim, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : NAME / ACCOUNT NUMBER XXXX Inquiry XX/XX/year> As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report, and the CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected in my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information, and for more than 60 days I have not received any response from them. Please help me immediately delete these accounts. I am attaching supporting identification documents for verification. 

Thank you, Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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