vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report 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 2025-11-24 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:
I am a documented victim of identity theft. I recently submitted my full identity theft packet to Experian using its online document upload portal. My submission included my FTC Identity Theft Report, Police Report, IRS Form 14039, a detailed list of fraudulent accounts ( Schedule A ), a block request letter, an address/phone correction letter, and proof of my identity and current address.

These items were used by an identity thief and do not belong to me. Under FCRA 605B, Experian is required to block all information that resulted from identity theft within four business days of receiving my identity theft documentation. I am filing this complaint to ensure that Experian properly attaches my documents to my file, processes my identity theft claim as an identity theft block under 605B, and removes all fraudulent accounts, inquiries, addresses, and phone numbers from my credit report.

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I lost my social security earlier on the year and someone been trying to take out loans with my social and a debt collector has my information too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
I am a full-time qualifying public service employee pursuing XXXX XXXX XXXX XXXX XXXX XXXX ). I currently have XXXX qualifying payments, but based on my payment history, I should have reached XXXX qualifying payments in XX/XX/XXXX. 

MOHELA, my loan servicer, has failed to credit XXXX qualifying months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX, despite my continuous eligible employment, on-time payments, and recertification completed on XX/XX/XXXX. 

I contacted MOHELA multiple times to address this issue. On XX/XX/XXXX, I submitted a PSLF Reconsideration after MOHELA instructed me to do so, and I was told the review would take 45 days. As of today, the reconsideration has been pending over 90 days, and MOHELA has provided no explanation, updates, or correction. 

Because of MOHELAs failure to correctly credit these payments, I have not reached the XXXX threshold required for PSLF forgiveness, and my loan has not been XXXX. I have followed all requirements, submitted my recertification, and remain in qualifying public service employment. The delay is causing unnecessary financial hardship and stress.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 

The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 

I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-24 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: OK

Complaint narrative:
I am disputing the following accounts and late payment entries. Please verify all reporting and remove anything that can not be confirmed as accurate. 

CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES None listed XXXX  None listed LATE PAYMENTS XXXX XXXX XXXXXXXX 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing a complaint because Experian is reporting multiple inaccurate and unverified derogatory accounts on my credit report and is failing to conduct a legally required reasonable reinvestigation under the FCRA. 

The following accounts are being reported inaccurately : XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX {$660.00} I.C. XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX Charge-off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX contain inaccurate balances, inconsistent dates, missing proof of ownership, and appear to have been verified electronically without documentation. This violates : FCRA 1681e ( b ) Maximum possible accuracy FCRA 1681i Reinvestigation requirement Case law : Cushman v. TransUnion ( credit bureau can not simply parrot a furnisher ) I requested validation and reinvestigation from Experian, but the bureau marked the items verified without providing any documentation, proof, or explanation. This is not a reasonable investigation. 

I am requesting the CFPB to require Experian to : XXXX. Provide the actual documentation used to verify these accounts XXXX. Conduct a full manual reinvestigation XXXX. Delete all accounts that can not be properly validated These accounts are harming my ability to obtain credit, housing, and financial opportunities.

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 2025-11-24 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:
I am a victim of identity theft. Several accounts and inquiries were opened or reported in my name without my knowledge or permission. I did not authorize these companies to access my credit report, open accounts, or report any information in connection with these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries.

The specific inquiries I am referring to are as follows : XXXX XXXX XXXXXX/XX/year>

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 2025-11-24 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: MO

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, causing difficulties in maintaining my financial stability. 

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-24 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: GA

Complaint narrative:
I am disputing the following items because they are being reported inaccurately and without proper verification. Some of these accounts contain inconsistent dates, balances, or reporting information, and I do not believe they are being reported in full compliance with the FCRA and XXXX XXXX standards. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX  XXXX XX/XX/XXXX {$180.00} LATE PAYMENTS XXXX XXXX XXXXXXXX XXXX XXXX XXXX late payment history that I do not recognize. Please verify the accuracy and completeness of this reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Last month I sent Experian proof that they are reporting inaccurate information, they received the information and still have not deleted the inaccurate information, which has caused me to get denied credit.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I filed a fraud claim with Bank of America for a fraud charge of {$14000.00} on my credit card on XX/XX/year>. Bank of America completed their investigation and closed the claim on XX/XX/year>, denying the fraud claim due to the money being transferred to another bank account in my name. This other bank account was opened up fraudulently due to my identity being stolen. I submitted a dispute of the 1st decision on XX/XX/year> and the claim with Bank of America was reopened. Bank of America completed their 2nd investigation and closet the claim on XX/XX/year> again denying the fraud claim due to the same reason. I submitted another dispute for their 2nd decision on XX/XX/year>. My phone number was fraudulently ported out on XX/XX/year>, my email was hacked, my credit lines were raised on both my personal and business credit cards without my knowledge, a bank account was opened fraudulently in my name due to my identity being stolen and fraud charges were made on my credit cards. I have a timeline of all fraud activity and a police report.

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 monetary relief
Consumer complaint received 2025-11-24 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:
Date : XX/XX/XXXX To : TransUnion, XXXX XXXX XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX, PA XXXX Subject : FINAL XXXX NOTICE Reinsertion and Continued Reporting of Unverified Public Record To Whom It XXXX Concern, This is my final XXXX notice concerning TransUnions continued reporting of XXXX bankruptcy that remains unverified after multiple disputes and exceeds all statutory deadlines under the Fair Credit Reporting Act ( FCRA ). 
Violations Identified : XXXX. Failure to verify the bankruptcy within the XXXX day window under FCRA XXXX ( a ) ( XXXX ). 
XXXX. Failure to provide documentation, including : o court docket number o PACER case o trustee confirmation o court-filed petition XXXX. Continued reporting of unverifiable information, violating FCRA XXXX ( b ). 
XXXX. Improper reinsertion, violating FCRA XXXX ( a ) ( XXXX ) ( B ). 
XXXX. Resulting harm, including documented denial from XXXX XXXX XXXX your reporting. 

You have exhausted the full XXXX reinvestigation period tied to my XXXX complaint, and you remain out of compliance. 

XXXX XXXX Consumer identifies inaccurate, unverifiable public record data and suppressed XXXX data appearing in TransUnion file. 

XX/XX/XXXX Formal dispute mailed by certified mail. 
TransUnion received a dispute ( XXXX confirmation provided ). 
No verified documentation, docket, or PACER record was produced. 

XX/XX/XXXX CFPB complaint filed. 
TransUnion responds that they are still working on the request. 
XXXX period required under FCRA XXXX XXXX XXXX. 

XXXX XXXX XXXX Consumer receives confirmation that no bankruptcy record exists from any court authority. 

XX/XX/XXXX XXXX Demand Letter issued to TransUnion. 
Requests deletion of unverifiable data. 
Demands source and vendor identity for all public record information. 

XX/XX/XXXX XXXX Final Warning Letter issued. 
Failure to correct will trigger legal action for FCRA XXXX ( b ), XXXX violations.

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 2025-11-24 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: OR

Complaint narrative:
XXXX XXXX I XX/XX/XXXX/2025 /XXXX  XXXX Account Number : XXXX /XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: OR

Complaint narrative:
XXXX XXXX I XX/XX/XXXX/2025 /XXXX  XXXX Account Number : XXXX /XXXX  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 non-monetary relief
Consumer complaint received 2025-11-24 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: IL

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

Company response to consumer: Closed with explanation