vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
I am a victim of identity theft and a following accounts are not mine : XXXX XXXX XXXX XXXX.Account XXXX XXXX XXXX.Account Number : XXXX XXXX XXXX XXXXAccount NumberXXXX XXXXXXXX XXXX XXXXXXXX

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 2025-05-07 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action

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 2025-05-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX 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  INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-05-07 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: NM

Complaint narrative:
Im requesting that you certify that every piece of data associated with this account actually belongs to me. That includes the account details, personal information, and any activity tied to it.

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 2025-05-07 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: TX

Complaint narrative:
I am writing to dispute a potentially inaccurate account and hard inquiry listed on my TransUnion credit report. These items may have resulted from identity compromise or misreporting, especially in light of the prior TransUnion data breach. 
Disputed Account : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Disputed Hard Inquiry : XXXXXXXX XXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am entitled to request a reinvestigation of these items. If they can not be fully verified by the original creditor or furnisher, they must be removed. Furthermore, the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) prohibits the reporting of inaccurate or misleading information.

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 2025-05-07 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: GA

Complaint narrative:
I am formally disputing the continued derogatory reporting of the XXXX XXXX account status on both Experian ( Report Number XXXX ) and XXXX ( Report Confirmation XXXX ). While this account now reflects a {$0.00} balance, both bureaus continue to report it as a charge-off, and Experian continues to reflect monthly charge-off notations through XXXX XXXX. The account is also marked as closed and transferred, yet derogatory data is still being updated. This is misleading, inaccurate, and a violation of federal law. Under FCRA 1681c ( a ) ( 4 ), furnishers may not continue to update derogatory information in a way that misrepresents the age of the debt. Reporting this account as charged off in multiple months after closure constitutes unlawful re-aging. There has been no consumer activity, no payment arrangement, and no renewal of contract, making ongoing updates unjustified. Additionally, this tradeline violates FCRA 1681e ( b ), which mandates that credit data must be reported with maximum possible accuracy. Because the account has a {$0.00} balance, is listed as transferred or sold, and is not being actively collected by the original creditor, it is materially misleading to maintain a charge-off designation. Most critically, this account was written off in the amount of {$1000.00}, yet no IRS Form 1099-C has been issued in accordance with IRS Code 6050P, which requires creditors to file a 1099-C when {$600.00} or more in debt is canceled or discharged. This omission confirms that the creditor no longer views the debt as legally collectible, reinforcing that this tradeline is no longer valid. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable or inaccurate data must be permanently deleted. I further prohibit the use of third-party data verification sources, including XXXX, XXXX, XXXX XXXX, and XXXX XXXX, as these are not original furnishers and their use without my consent violates FCRA 1681b ( a ). Finally, I invoke FCRA 1681i ( a ) ( 8 ) and request that this tradeline be deleted within three ( 3 ) business days as permitted under the expedited deletion provision. If not removed, I will escalate this matter to the FTC, IRS Criminal Investigation Division, and other regulatory authorities for enforcement.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the continued derogatory reporting of the XXXX XXXX account status on both XXXX ( Report Number XXXX ) and Equifax ( Report Confirmation XXXX ). While this account now reflects a {$0.00} balance, both bureaus continue to report it as a charge-off, and XXXX continues to reflect monthly charge-off notations through XXXX XXXX The account is also marked as closed and transferred, yet derogatory data is still being updated. This is misleading, inaccurate, and a violation of federal law. Under FCRA 1681c ( a ) ( 4 ), furnishers may not continue to update derogatory information in a way that misrepresents the age of the debt. Reporting this account as charged off in multiple months after closure constitutes unlawful re-aging. There has been no consumer activity, no payment arrangement, and no renewal of contract, making ongoing updates unjustified. Additionally, this tradeline violates FCRA 1681e ( b ), which mandates that credit data must be reported with maximum possible accuracy. Because the account has a {$0.00} balance, is listed as transferred or sold, and is not being actively collected by the original creditor, it is materially misleading to maintain a charge-off designation. Most critically, this account was written off in the amount of {$1000.00}, yet no IRS Form 1099-C has been issued in accordance with IRS Code 6050P, which requires creditors to file a 1099-C when {$600.00} or more in debt is canceled or discharged. This omission confirms that the creditor no longer views the debt as legally collectible, reinforcing that this tradeline is no longer valid. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable or inaccurate data must be permanently deleted. I further prohibit the use of third-party data verification sources, including XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, as these are not original furnishers and their use without my consent violates FCRA 1681b ( a ). Finally, I invoke FCRA 1681i ( a ) ( 8 ) and request that this tradeline be deleted within three ( 3 ) business days as permitted under the expedited deletion provision. If not removed, I will escalate this matter to the FTC, IRS Criminal Investigation Division, and other regulatory authorities for enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: IA

Complaint narrative:
XX/XX/year> Dear Experian, TransUnion, Equifax According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX/XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, 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 2025-05-07 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: IA

Complaint narrative:
XX/XX/year> Dear Experian, TransUnion, Equifax According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX XXXX/XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
Over the past year, I have experienced repeated and unresolved issues with my student loan servicer related to incorrect account information, a misapplied reimbursement, and inconsistent communications about what I owe. Despite spending more than XXXX hours ( XXXX minutes ) on the phone with customer service across numerous calls, I still do not have a clear written explanation of the issue, and the company continues to send me notices claiming I owe money. 

Timeline and Actions : Around XX/XX/XXXX, I received a notice from the company stating that I had successfully paid off my student loans. 

Shortly after, I began receiving communications indicating I still owed a balance. When I called to inquire, I was told the issue was due to a platform migration error and that I had overpaid. They then reimbursed me, though they did not clearly explain why. 

Later, the company began sending emails again stating I still owed money. I called again and was told they didnt know what happened but would initiate an audit of my account. 

The issue persisted. On a more recent call in XX/XX/XXXX, I was told that the company had actually reimbursed me too much money and that I now needed to pay that amount back. I asked the representative to provide a written breakdown of : The error that caused the reimbursement, The justification for now requesting repayment, The exact amount I now allegedly owe, and A full accounting of my loan activity. 

The representative said they would email me this information, but I have not received anything to date. 

Call Log Summary : I have made at least XXXX calls between XX/XX/XXXX and XX/XX/XXXX, totaling XXXX minutes ( XXXX hours and XXXX minutes ). These calls often involved wait times of XXXX hours before speaking with a representative. Below are a few examples : XX/XX/XXXX XXXX XXXX minutes on the phone. 

XX/XX/XXXX XXXX XXXX minutes on the phone. 

XX/XX/XXXX XXXX XXXX minutes on the phone. 

XX/XX/XXXX XXXX XXXX minutes on the phone. 

XX/XX/XXXX XXXX XXXX minutes on the phone. 

Despite these efforts, the issue remains unresolved, and I continue to receive emails asserting I owe money without any formal documentation or accounting from the company. This has caused significant stress, wasted time, and confusion about my loan status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TO : Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX FORMAL REQUEST FOR BLOCKING AND REMOVAL OF FRAUDULENT INQUIRIES & ACCOUNTS DUE TO IDENTITY THEFT Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), 1681s-2, and 1681i Dear Dispute Investigations Department , This letter serves as my formal and legally binding notice that I have been the victim of identity theft, and several unauthorized inquiries and inaccurate negative accounts have been wrongfully reported on my consumer credit file. These entries are in violation of federal consumer protection laws, and I demand their immediate removal under the Fair Credit Reporting Act ( FCRA ). I HAVE REACHED OUT TO MANY TIMES BY PHONE AS WELL AS BY MAIL AND PORTAL TO EACH COMPANY I MUST SHOW THIS TO THE CFPB I WILL ATTACH MY ORGICAL NOTICE FROM FTC, MOST OF THE ISSUES HAVE BEEN corrected but the data has put back as well left for the inquiries. 
Under 15 U.S. Code 1681c-2 ( FCRA Section 605B ), I am asserting my right to block all information resulting from identity theft and demand its removal within four ( 4 ) business days, as required by federal law. 
UNAUTHORIZED INQUIRIES MUST BE REMOVED TRANSUNION XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX via XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX EXPERIAN XXXX. XXXX / XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX / XXXX XXXX XX/XX/XXXX FRAUDULENT NEGATIVE ACCOUNTS MUST BE DELETED EXPERIAN XXXX. XXXX Charged Off Opened XX/XX/XXXX XXXX. XXXX Closed Opened. XXXX XXXX XXXX Paid in Settlement Opened XX/XX/XXXX ( THIS WAS REMOVED AND I HAVE ATTACHED PROOF FROM EXPERIAN ) These accounts were not authorized, opened, or acknowledged by me. I have never entered into any agreement with these entities, and their presence is the result of fraudulent access to my personally identifiable information.

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 2025-05-07 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: TN

Complaint narrative:
I pulled my credit reports and it showing a different amount on my TransUnion and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX Amount XXXX Equifax Amount XXXX TransUnion I will like to get this deleted from my credit report due to inaccuracy and not properly investigating and rectifying to update from the company and credit bureaus on 15 USC 1681 being violating in failing to correct inaccurate information after an investigation is in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Att

ached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and I've noticed that there are fraudulent accounts along with inaccurate information in my report. I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. I am contesting this entry as it was added without my authorization. According to FCRA 605B, they are required by law to obtain my consent before including any information on my credit report.Please remove them as they are affecting my ability to obtain 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