vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
My name is XXXX XXXX XXXX I am writing to dispute significant credit reporting damage caused by an error made by my XXXX  loan servicer, XXXX, acting on behalf of the XXXX Department of Education. 

In XXXX XXXX XXXXXXXX erroneously declared me deceased, suspending their billing and payment systems. This prevented me from accessing my loan account, making payments, or even reaching customer service. As a result, my loan was reported as 90 days delinquent, significantly impacting my credit. 

Once I became aware of this issue, I immediately took action. After facing multiple system errors and unanswered calls, I eventually resolved the problem and brought my loan current. The Department of Education acknowledged the error in a letter dated XX/XX/year> ( XXXX Case # XXXX ), and confirmed that the status had been corrected and retroactively updated to reflect forbearance for XXXX and XX/XX/year>. 

Despite this, my credit score dropped from approximately XXXX to XXXX, and several of my credit cards were closed or had their limits drastically reduced. This has caused lasting harm to my financial stability, all due to a mistake that was entirely outside my control.

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 2025-06-25 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: MT

Complaint narrative:
My name is XXXX XXXX . I am writing to dispute significant credit reporting damage caused by an error made by my XXXX loan servicer, XXXX, acting on behalf of the U.S. Department of Education. 

In XXXX XXXX XXXXXXXXXXXX erroneously declared me deceased, suspending their billing and payment systems. This prevented me from accessing my loan account, making payments, or even reaching customer service. As a result, my loan was reported as 90 days delinquent, significantly impacting my credit. 

Once I became aware of this issue, I immediately took action. After facing multiple system errors and unanswered calls, I eventually resolved the problem and brought my loan current. The Department of Education acknowledged the error in a letter dated XX/XX/year> ( XXXX Case # XXXX ), and confirmed that the status had been corrected and retroactively updated to reflect forbearance for XXXX and XX/XX/year>. 

Despite this, my credit score dropped from approximately XXXX to XXXX, and several of my credit cards were closed or had their limits drastically reduced. This has caused lasting harm to my financial stability, all due to a mistake that was entirely outside my control.

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 2025-06-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Comerica
State: NJ

Complaint narrative:
I was receiving SSI benefits under my grandmother because she is my adopted parent, I turned XXXX XX/XX/year>. I started receiving paper checks under my own name. I applied for a card from Direct Express in XXXX XXXX oXXXX XXXX I have not received my card yet, I have submitted verifying information several times. I am currently owed {$820.00} from Direct Express. I went into the Social Security office, they verified my information from their end and scheduled a call back. On the call back I was instructed to submit the same information again which I did. I was told my information was invalid and that I needed to go back to social security office and let them figure it out. Several of the customer service agents were very rude and dismissive when I tried to explain the situation. Social Security can't take the money back from direct express and direct express will not send the money back. I have been submitting the same information for several months. I would like for my checks to be returned to Social Security office so they can send them to me through my alternative form of payment that Social Security has on file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : EXPERIAN BUSINESS CRED Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX years ago I received multiple collection calls for an XXXX XXXX XXXX bill of {$8100.00}. I did not have an outstanding balance with XXXX XXXX XXXX which I confirmed with XXXX XXXX XXXX. The collection agency also had my wrong address. I reported the fraud to the FTC and the item was then removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account NATIONAL CREDIT SYSTEMS as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws.

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Please remove or delete from my credit file from all three agencies.

Thank you

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 2025-06-25 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: VA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-06-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Unifin Inc.
State: MI

Complaint narrative:
I am disputing collection attempts and inaccurate reporting by Unifin regarding an account originally from XXXX XXXX. I previously requested debt validation from XXXX, but they failed to provide proper documentation proving the debts validity and ownership. Despite this, Unifin has contacted me multiple times via text and phone about this alleged debt without providing validation or the required notice under the Fair Debt Collection Practices Act ( FDCPA ). 

I have sent Unifin a formal cease and desist letter demanding they stop contacting me. I am requesting that Unifin immediately cease collection efforts and that any unverified account information be removed from my credit report. This ongoing inaccurate reporting and harassment violate my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Was a last bill from XXXX XXXX which was nearly impossible to cancel service, 1st attempt ( phone call ) was not cancelled after I called in. 2nd attempt with chat ( XXXX ) took me nearly XXXX minutes of back and forth with CS rep to actually have service cancelled and then get a transcript of the chat. I still have a copy of the transcripts ( attached ) which I sent to the collection company when I sent in the filled out disputed form to the original collection company ( XXXX XXXX XXXX  ) back around XXXX of XXXX. I sent them info 2 separate times ( one mailed and one emailed ). Now I receive a collection notice from The CBE Group for the same {$80.00} charge from XXXX XXXX. The last bill was originally paid by my credit card for the time I had service. No actual response to my dispute, just keep sending notices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-25 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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 2025-06-25 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: NC

Complaint narrative:
These Inquiry dont suppose to be on my credit report I myself dont know anything about this I would like for them to be removed XXXX  Date of Inquiry XX/XX/year> Inquiry XXXX  Date of Inquiry XX/XX/year> Inquiry XXXX Date of Inquiry XX/XX/year> Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/year> Inquiry XXXX  Date of Inquiry XX/XX/year> Inquiry XXXX XXXX Date of Inquiry XX/XX/year> Inquiry XXXX  Date of Inquiry XX/XX/year> Inquiry XXXX  Date of Inquiry XX/XX/year> Inquiry XXXX  Date of Inquiry XX/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 2025-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Debt Collection Violation Letter Date : XX/XX/year> To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, MN XXXX Subject : Unauthorized Collection Activity and Fair Credit Reporting Act ( FCRA ) Violations Dear Jefferson Capital Systems, I am writing to formally dispute and demand immediate action regarding the following accounts you are reporting to the credit bureaus without my authorization : 1. Account reported with balance of {$99.00} 2. Account reported with balance of {$110.00} 3. Account reported with balance of {$640.00} All are listed under your company name as the original creditor.

Violations : You have committed several violations of federal consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b You do not have permissible purpose to access or report on my consumer credit file. I have no signed agreement, contract, or business relationship with Jefferson Capital Systems.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e You are falsely representing the character, amount, or legal status of the alleged debt. You have not provided proper validation, nor evidence that I owe this debt.

3. FDCPA 15 U.S.C. 1692f You are using unfair and unconscionable means to attempt to collect a debt I do not owe.

4. FCRA 15 U.S.C. 1681s-2 You are furnishing inaccurate information and failing to conduct a reasonable reinvestigation upon notice of dispute.

Formal Demands : Immediately cease all collection efforts and remove all accounts related to your company from all consumer reporting agencies ( XXXX XXXX XXXX ). 
Provide proof of my written consent or signed contract giving you the right to report or collect this debt.

Provide complete account documentation, including the original agreement bearing my signature.

If you can not provide the requested documentation within 30 days of receipt of this letter, you must delete the accounts from all reporting agencies immediately.

Failure to comply will result in further action, including but not limited to : Filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Initiating legal action for statutory damages, actual damages, and attorneys fees under the FDCPA and FCRA.

Please govern yourselves accordingly.

Company response to consumer: Closed with explanation