vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: IL

Complaint narrative:
Subject : Dispute of Credit Reporting under USC 605 ( b ) Dear EQUIFAX, TRANSUNION AND EXPERIAN. 

I am writing to formally dispute the accuracy of the information reported on my credit report, specifically in accordance with the Fair Credit Reporting Act ( FCRA ), under section USC 605 ( b ).

The reason for my dispute is identity theft. I have identified several unauthorized credit cards, apartments, and inquiries associated with my name that I did not authorize. According to USC 605 ( b ), information that can not be verified or is inaccurate must be removed from my credit report. 

I kindly request that you investigate this matter and provide me with the results of your investigation within the time frame required by law. Additionally, I ask that you provide documentation supporting the information you have reported. 

Please confirm receipt of this dispute letter and provide updates regarding the investigation process. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.

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 2025-07-12 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: IL

Complaint narrative:
Subject : Dispute of Credit Reporting under USC 605 ( b ) Dear EQUIFAX, TRANSUNION AND EXPERIAN. 

I am writing to formally dispute the accuracy of the information reported on my credit report, specifically in accordance with the Fair Credit Reporting Act ( FCRA ), under section USC 605 ( b ).

The reason for my dispute is identity theft. I have identified several unauthorized credit cards, apartments, and inquiries associated with my name that I did not authorize. According to USC 605 ( b ), information that can not be verified or is inaccurate must be removed from my credit report. 

I kindly request that you investigate this matter and provide me with the results of your investigation within the time frame required by law. Additionally, I ask that you provide documentation supporting the information you have reported. 

Please confirm receipt of this dispute letter and provide updates regarding the investigation process. I appreciate your prompt attention to this matter. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXXDEPARTMENT OF EDUCATION for inaccurately and illegally reporting late payments on my XXXX XXXX XXXX XXXX  accountsactions that have directly harmed my credit profile in clear violation of federal protections and consumer rights. 

These accounts are currently reporting five late payments, including 90, 120, 150, and 180-day delinquencies during periods in which I was either actively enrolled in school or protected under federal deferment and forbearance policies established during the XXXX pandemic and reinforced by executive actions under the Obama administration and beyond .

Key Violations and Context : COVID-19 Emergency Relief : Under the CARES Act, student loan payments and collections on federally held student loans were suspended beginning XX/XX/XXXX, with no negative credit reporting allowed during the relief period. Despite this, XXXX XXXX XXXXD.O.E. continued to report delinquent payments. 

Filed Deferment ( XX/XX/XXXX ) : I formally applied for a deferment in XX/XX/XXXX, which was either improperly processed or outright ignored. Per 34 CFR 682.210, deferment requests must be honored and processed in a timely manner when documentation is provided, and during that time, no adverse credit reporting is permitted. 

FCRA Violations ( Fair Credit Reporting Act ) : 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

611 : Once a consumer disputes an item, the furnisher must investigate and correct inaccurate information within 30 days.

607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

The repeated reporting of delinquencies during deferment and national forbearance periods is not only factually false but a direct violation of federal law. These actions have caused irreparable harm to my credit, resulting in financial hardship, higher interest rates, and denial of credit opportunities. 

I demand the immediate investigation and removal of all late payments reported by XXXX XXXX XXXXD.O.E. These entries must be permanently deleted from all three credit bureaus ( Experian, Equifax, and TransUnion ) as they are : Inaccurate Misleading Reported in violation of the CARES Act and FCRA Reported despite an active deferment request If this issue is not resolved within 15 days, I will escalate this complaint further by contacting my elected representatives, the U.S. Department of Educations Ombudsman Group, and initiate legal proceedings for damages related to FCRA noncompliance.

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 2025-07-12 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: SC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXXDEPARTMENT OF EDUCATION for inaccurately and illegally reporting late payments on my XXXX XXXX XXXX XXXX  accountsactions that have directly harmed my credit profile in clear violation of federal protections and consumer rights. 

These accounts are currently reporting five late payments, including 90, 120, 150, and 180-day delinquencies during periods in which I was either actively enrolled in school or protected under federal deferment and forbearance policies established during the XXXX pandemic and reinforced by executive actions under the Obama administration and beyond .

Key Violations and Context : COVID-19 Emergency Relief : Under the CARES Act, student loan payments and collections on federally held student loans were suspended beginning XX/XX/XXXX, with no negative credit reporting allowed during the relief period. Despite this, XXXX XXXX XXXXD.O.E. continued to report delinquent payments. 

Filed Deferment ( XX/XX/XXXX ) : I formally applied for a deferment in XX/XX/XXXX, which was either improperly processed or outright ignored. Per 34 CFR 682.210, deferment requests must be honored and processed in a timely manner when documentation is provided, and during that time, no adverse credit reporting is permitted. 

FCRA Violations ( Fair Credit Reporting Act ) : 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

611 : Once a consumer disputes an item, the furnisher must investigate and correct inaccurate information within 30 days.

607 ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. 

The repeated reporting of delinquencies during deferment and national forbearance periods is not only factually false but a direct violation of federal law. These actions have caused irreparable harm to my credit, resulting in financial hardship, higher interest rates, and denial of credit opportunities. 

I demand the immediate investigation and removal of all late payments reported by XXXX XXXX XXXXD.O.E. These entries must be permanently deleted from all three credit bureaus ( Experian, Equifax, and TransUnion ) as they are : Inaccurate Misleading Reported in violation of the CARES Act and FCRA Reported despite an active deferment request If this issue is not resolved within 15 days, I will escalate this complaint further by contacting my elected representatives, the U.S. Department of Educations Ombudsman Group, and initiate legal proceedings for damages related to FCRA noncompliance.

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 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Block, Inc.
State: AZ

Complaint narrative:
I received a Cash App XXXX debit card in the mail without my authorization. I never applied for XXXX I called the company. They said, okay, asked for my name said they would close the account. But I needed to respond to XXXX of their emails and click on their special link to take care of the problem. Sounded like a scam, so I took no further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: V and H Portfolio
State: MI

Complaint narrative:
My personal information was shared to Vance & Huffman LLC on XXXX for the amount of {$290.00} and for {$760.00} on XXXX without my knowledge nor did I give them any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I have requested the inaccurate information be deleted from my credit report and provided documentation to the credit report agency that notice was provided to my apartment complex in writing by signing and returning the form that was provided to me by email. 

I originally requested to transfer to a larger apartment at the end of my lease because I received temporary custody of my 3 grandchildren. I was denied for the transfer and instead completed my lease term but moved to a larger apartment elsewhere all while communicating this with management. I was never told my written notice would not suffice only that I would needed to move due to being over the occupancy for my current unit which was technically done 2 weeks prior my lease end but I paid rent for the full month to avoid any termination penalties. I was advised to do this by management. 

I also was not provided a move out statement by the management company which legally has to be provided within 30 days of move out. 

I spoke with the new management company and they said I was charged for not providing proper notice but I have emails that were responded to that shows I provided what was requested. 

I have submitted this documentation to dispute the inaccurate information on my report and they have not provided verification of debt or removed it from my report. 

This is creating a hardship with finding housing as its being reported as bad rental debt. I provided the notice form that was sent to me and completed my lease term. I have fulfilled my lease obligation and am being penalized.

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 2025-07-13 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: FL

Complaint narrative:
I have requested the inaccurate information be deleted from my credit report and provided documentation to the credit report agency that notice was provided to my apartment complex in writing by signing and returning the form that was provided to me by email. 

I originally requested to transfer to a larger apartment at the end of my lease because I received temporary custody of my 3 grandchildren. I was denied for the transfer and instead completed my lease term but moved to a larger apartment elsewhere all while communicating this with management. I was never told my written notice would not suffice only that I would needed to move due to being over the occupancy for my current unit which was technically done 2 weeks prior my lease end but I paid rent for the full month to avoid any termination penalties. I was advised to do this by management. 

I also was not provided a move out statement by the management company which legally has to be provided within 30 days of move out. 

I spoke with the new management company and they said I was charged for not providing proper notice but I have emails that were responded to that shows I provided what was requested. 

I have submitted this documentation to dispute the inaccurate information on my report and they have not provided verification of debt or removed it from my report. 

This is creating a hardship with finding housing as its being reported as bad rental debt. I provided the notice form that was sent to me and completed my lease term. I have fulfilled my lease obligation and am being penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I only applied for a XXXX  credit card once, but my Experian report shows three hard inquiries from XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I did not authorize multiple credit checks, and Experian wont let me dispute them online. 

Please have all three inquiries removed, as only one was authorized.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I only applied for a XXXX  credit card once, but my Experian report shows three hard inquiries from XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I did not authorize multiple credit checks, and Experian wont let me dispute them online. 

Please have all three inquiries removed, as only one was authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am falsely listed as the operator of a vehicle for two purported automobile incidents in my LexisNexis reports. I have contacted the company two or three times since at least XX/XX/year> providing evidence to show that its information is incorrect, but it has not completely amended its records. My latest automobile insurance check still turns up those cases under my name. I have statements from the actual vehicle operator and my former insurance representative for corroboration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I checked my credit report and the following addresses are reporting to my credit file fraudulently. I have never lived at the below listed addresses and they need to be removed from my credit report ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO ATTACHED MY FTC REPORT AS WELL

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I checked my credit report and the following addresses are reporting to my credit file fraudulently. I have never lived at the below listed addresses and they need to be removed from my credit report ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE ALSO ATTACHED MY FTC REPORT AS WELL

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 2025-07-12 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: IL

Complaint narrative:
This complaint serves as a formal follow-up to my previous dispute regarding the following inaccurate and unverifiable accounts that continue to appear on 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 2025-07-12 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: MI

Complaint narrative:
I was XXXX XXXX in XXXX XXXX for the last 13 and a 1/2 years. There are a total of 8 accounts that were open while i was in XXXX XXXX, which were two XXXX XXXX accounts accounts number XXXX credit card account, and account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit card account. Account number XXXX. XXXX XXXX XXXX accounts, account number XXXX credit card account. Second account number credit card account XXXX. Third account number secure loan XXXX. XXXX, XXXX XXXX XXXX. Type of account credit card account number XXXX. Second account from XXXX XXXX XXXX account number XXXX. All of these accounts are related to the pending disputes that are pending as of now all pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I purchased a vehicle from a dealer ( XXXX XXXX XXXX in XXXX which is closed down now ) that listed it at {$19000.00}, but when I got there they forced me to sign for {$39000.00} under duress. The dealer closed down and disappeared after selling me a failing vehicle ( transmission failed within 30 minutes ). I paid over {$26000.00} already, but Ally Financial refuses to address the fraudulent contract and says I still owe ~ {$14000.00}. The dealers fraud was obvious, but Ally still financed the inflated price and is collecting on it. I want Ally to forgive or reduce the fraudulent balance and remove negative credit reporting. I have tried to contact ally financial but I never get taken seriously when I try to settle the debt and I can not get access to any records of anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Instrument loans are reporting numerous accounts on my credit file I havent been to school in years and it is messing my credit up I would like for it to be removed asap

Company response to consumer: Untimely response
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed these accounts on several occasions and the response is always verified and will stay. I have asked for documentation to prove it is correct and it has never happened. Here are the accounts in question : XXXX XXXX XXXXXXXX Original creditor XXXXXXXX XXXX Balance {$990.00} Balance updated XX/XX/year> XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX Balance {$610.00} Balance updated XX/XX/year> XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$540.00} Balance updated XX/XX/year> I spoke with XXXX and they could not verify an account because there wasnt one. I have used a government cell phone for 4 years due to our financial situation. I have also only used streaming services instead of cable because of the cost and my financial situation. The XXXXXXXX XXXX couldnt be verified either. 

Experian does not accurately check these accounts to resolve these issues. They simply say verified and you can dispute it again unless the reason is completely different.

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 2025-07-13 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief