vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
Why I Am Filing This Complaint I am a victim of identity theft, and my credit files with TransUnion, Experian, and Equifax contain fraudulent accounts, unauthorized credit inquiries, and incorrect personal information that do not belong to me. I discovered these issues while monitoring my credit and immediately filed disputes with each credit bureau, providing an FTC Identity Theft Report ( Report # XXXX ), proof of identity, and proof of address. 

Despite these efforts, the bureaus continue reporting information that is inaccurate and harmful. Not only do these fraudulent accounts make it appear as though I have defaulted on debts that are not mine, but the files also show addresses and identifiers that are completely wrong, which could allow further fraud against me. 


Accounts and Inquiries That Do Not Belong to Me XXXX XXXX XXXX ( XXXX Bank ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX have never applied for credit, loans, or services with these companies, nor have I signed any contracts or agreements authorizing them to access my credit file. 

The Law Is Clear : Under the Fair Credit Reporting Act ( FCRA ) : ( 611 ( a ) ( 1 ) ( A ) requires the bureaus to reinvestigate disputes and verify accuracy. ) ( 611 ( a ) ( 5 ) ( A ) requires deletion of any information that can not be verified. ) ( 605B ( a ) ( 1 ) requires bureaus to block fraudulent accounts from my file within XXXX business days once an FTC Identity Theft Report has been submitted. ) Under the Fair Debt Collection Practices Act ( FDCPA ) : 1692g ( a ) prohibits debt collectors from continuing to report or pursue collection without proper validation, which must include signed proof linking me to the alleged debt. 

These laws exist to protect consumers like me, yet my rights are being ignored. 

This situation has caused me serious stress, frustration, and harm : My credit scores have dropped unfairly, making it harder to qualify for credit or even routine financial needs. I constantly worry about what other fraudulent accounts might appear next, since my credit files still contain wrong addresses and identifiers. 
I have spent significant time and energy fighting to clear my name a burden that should not fall on victims of identity theft. 

Every day this inaccurate information remains on my credit file, I face real financial and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
Why I Am Filing This Complaint I am a victim of identity theft, and my credit files with TransUnion, Experian, and Equifax contain fraudulent accounts, unauthorized credit inquiries, and incorrect personal information that do not belong to me. I discovered these issues while monitoring my credit and immediately filed disputes with each credit bureau, providing an FTC Identity Theft Report ( Report # XXXX ), proof of identity, and proof of address. 

Despite these efforts, the bureaus continue reporting information that is inaccurate and harmful. Not only do these fraudulent accounts make it appear as though I have defaulted on debts that are not mine, but the files also show addresses and identifiers that are completely wrong, which could allow further fraud against me. 


Accounts and Inquiries That Do Not Belong to Me XXXX XXXX XXXX ( XXXX Bank ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX have never applied for credit, loans, or services with these companies, nor have I signed any contracts or agreements authorizing them to access my credit file. 

The Law Is Clear : Under the Fair Credit Reporting Act ( FCRA ) : ( 611 ( a ) ( 1 ) ( A ) requires the bureaus to reinvestigate disputes and verify accuracy. ) ( 611 ( a ) ( 5 ) ( A ) requires deletion of any information that can not be verified. ) ( 605B ( a ) ( 1 ) requires bureaus to block fraudulent accounts from my file within XXXX business days once an FTC Identity Theft Report has been submitted. ) Under the Fair Debt Collection Practices Act ( FDCPA ) : 1692g ( a ) prohibits debt collectors from continuing to report or pursue collection without proper validation, which must include signed proof linking me to the alleged debt. 

These laws exist to protect consumers like me, yet my rights are being ignored. 

This situation has caused me serious stress, frustration, and harm : My credit scores have dropped unfairly, making it harder to qualify for credit or even routine financial needs. I constantly worry about what other fraudulent accounts might appear next, since my credit files still contain wrong addresses and identifiers. 
I have spent significant time and energy fighting to clear my name a burden that should not fall on victims of identity theft. 

Every day this inaccurate information remains on my credit file, I face real financial and emotional harm.

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-04 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: CA

Complaint narrative:
Please consider this letter as my formal notification that the accounts referenced are fraudulent. I did not authorize them, and I respectfully request their removal and full review. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Nelnet, my federal student loan servicer, regarding inaccurate and unfair credit reporting.

My student loan account ( Loan Account Number : XXXX ) shows a late payment reported to the credit bureaus for XX/XX/XXXX. This reporting is inaccurate and unjust, as I was directly impacted by Hurricane Beryl, declared a federal disaster on XX/XX/XXXX ( which an amendment was done as well on FEMA 's website ). As a resident of the affected area, I should have been offered forbearance and relief protections under federal student loan guidelines for natural disasters.

The financial and personal impact of Hurricane Beryl has been ongoing. My home is still under construction as part of the recovery process, and my insurance company, XXXX XXXX, can confirm that the rebuilding efforts are still in progress.

In addition, Nelnet was using an incorrect email address to communicate important notices about upcoming payments. As a result, I did not receive proper notification of the payment that was later reported as missed. This communication failure, combined with my ongoing disaster-related hardship, makes the reporting of a delinquency especially unfair and inaccurate.

I have contacted Nelnet directly to request removal of the late payment and provided documentation of my hardship, but the negative mark remains.

I respectfully request that the CFPB : Investigate Nelnets reporting practices in this matter.

Require correction of my credit report by removing the XX/XX/XXXX late payment.

Ensure that Nelnet complies with federal disaster relief protections and proper borrower communication practices.

If there is any supporting document you need from me or my insurance company to support the natural disaster. Or anything else related to this please let me know.

This inaccurate reporting has caused significant and ongoing harm to my credit profile, despite circumstances entirely outside my control. I request CFPB assistance to ensure my credit report is corrected and Nelnet is held accountable for disaster relief compliance and proper borrower notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TN XXXX Jefferson CAPITAL SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account Number : XXXX * * * * Dear Jefferson CAPITAL SYSTEMS , LLC, I am writing to request validation of the debt you claim I owe on the above-mentioned account. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following information : XXXX. * Original Contract * : A copy of the original contract or agreement between the original creditor and myself.

2. * Account Statements * : A detailed breakdown of the debt, including the principal amount, interest, and fees.

3. * Chain of Assignment * : Proof of how the debt was assigned to Jefferson CAPITAL SYSTEMS , LLC.

4. * Creditor Information * : The name and address of the original creditor.

I request that you provide this information within 30 days of receipt of this letter. Until I receive the requested validation, I dispute the debt and request that you cease all collection activities.

If I do not receive the requested information, I will assume that the debt is not valid, and I will take necessary steps to protect my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of Address.

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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: VT

Complaint narrative:
I filed hardships with open credit cards after my XXXX XXXX XXXX XXXX XXXX resulting in significant income loss. My accounts were closed by the credit card complanies and I was informed by closing them that would stop the interest and late payment fees on the accounts. I got a lawsuit in the mail from Midland Credit Management claiming they purchased a debt however the amount they are suing for is not the debt that was owed to the creditor they claim to have purchased the debt from and they redacted all of the information on the sale document so nothing they sent even proves that the debt they are claiming is mine actually belongs to me. I am behind on my vehicle payments and my mortgage, I have a XXXX XXXX who lives full time with us who has a complicated XXXX XXXX that is XXXXXXXX. I am a XXXX XXXX XXXX and I can not afford to be paying money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
The erroneous record misstates my financial behavior. Kindly review and make the necessary correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-04 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$5800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
T his is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns. I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection
Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

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 2025-09-04 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: MD

Complaint narrative:
Experian LLC XXXX XXXX volited code usc 1693 and 1681usc and 1601 usc these accounts must be removed XXXX XXXXXXXX acct and XXXX XXXXXXXX acct XXXX XXXXXXXX banking account all hard inquiries must be removed

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 2025-09-04 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation