vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never opened, authorized, or managed them. This is unacceptable, as it misrepresents my financial history with inaccurate and misleading information. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern and distress. I am requesting immediate clarification as to why these accounts are appearing and who is responsible for reporting them.

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 2025-08-27 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-08-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Today I called Experian on XX/XX/year>, I contacted Experian for a follow-up on an ongoing credit dispute for 2 collections accounts, i explained to representative that I dont own, nor recognize, which they explained is pending until XX/XX/year>. During the call, I requested a full disclosure of the investigation results once complete, including any contract with my signature and all supporting documentation as proof of the debt, citing my rights under the Fair Credit Reporting Act ( FCRA ). 

The representative responded in an unprofessional manner, raised their voice, told me I was wrong for making these requests, and insisted I contact the creditor directly. Instead of providing documentation or transparent answers, I was told to submit another letter to request the same informationa tactic that delays the process and avoids addressing my dispute. 

This is not just frustrating but a direct violation of my FCRA rights. By law, Experian is required to : 1. Conduct a reasonable reinvestigation when a dispute is filed, without making the consumer submit repeated requests.

2. Provide the results of the investigation and any supporting evidence used to verify the disputed information.

3. Remove or correct any unverifiable or inaccurate information.

Experians refusal to provide clear disclosures, documentation, or resultsand repeated deflection by demanding more lettershave made it impossible for me to confirm my credit information is accurate. The Consumer Financial Protection Bureau has previously sued Experian for almost identical failures, stating that Experian has a history of using these kinds of tactics to avoid their obligations to consumers. My experience matches that pattern. This is a burden to me and my family, right now having this fraudulent information in my account is hurting my progress to get housing, impacitng my financials, emotional and causing physical distress and anxiety. Please help.

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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NE

Complaint narrative:
I have been making monthly payments on my card. My card was 10 days late and I was turned over for collections. I did not realize the card was late as I make monthly payments and made my regular monthly payment this morning, hours before I was contacted by collections. 

I have made the following payments : XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$250.00} XX/XX/year> {$200.00} XX/XX/year> {$210.00} XX/XX/year> {$250.00} I was not notified I was past due and I was not notified it was going to be turned over for collection. I was under the impression that when I made today 's payment that I was actually ahead since two payments were made in XXXX- I did not realize they went towards the same month with posting dates and statement end dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: AL

Complaint narrative:
AllianceOne Receivables Management, IncXXXX. XXXX XXXX, XXXX  XXXX Reference : XXXX After over 20 years of service with XXXX, I decided to switch cell service carriers. On XX/XX/XXXX I spoke by phone with XXXX at XXXX to tell her I was cancelling service and needed to close my account completely. I also told her that my accountbalance would need to be XXXX before XXXX XXXX my new cell phone carrier - would switch over my service. I asked for a total payoff, which included ( if I'm not mistaken ) the last payment of a cell phone I had purchased through them and had been paying for on a monthly basis. XXXX told me on that date that the payoff for everything would be {$41.00}, and I paid that amount via my XXXX  card. She gave me a confirmation number of # XXXX. 
Therefore I was surprised the following month to receive a monthly chargeon the debit card that XXXX had on file for me in the amount of {$55.00}. I phoned to discuss and was told that even though I cancelled my service the previous month, they were billing me a month behind. This is obviously something that XXXX should have told me when I had my phone discussion with her and I saw no reason to pay XXXX for the entire month that I was also paying XXXX for. 
Even after XXXX years of service with XXXX, the person to whom I was speaking refused to remove the outstanding charge from my debit card so I phone my bank, explained the situation to them, and disputed the charge. 
In lieu of returning the form, I am advising : 1. This is an invalid charge because an employee of XXXX ( XXXX ) gave me the TOTAL payoff amount I requested ( {$41.00} ) on XX/XX/XXXX and a confirmation number that my bill was paid in full ( # XXXX ). 
2. Not only is the {$55.00} charge invalid, but the {$30.00} fee charge is invalid for the same reason as # 1 above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: SC

Complaint narrative:
In XX/XX/XXXX, I submitted a request for military deferment to Nelnet. I received an email confirming that my deferment request had been received, and shortly thereafter, my monthly payment obligation was shown as {$0.00}. My XXXX  service ended on XX/XX/XXXX, and I understand that under federal law, I am entitled to XXXX additional days of deferment following separation. 

However, I had already made full payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX despite being on XXXX XXXX at the time. Then, on XX/XX/XXXX, a payment was withdrawn from my account during the post-service deferment window, which should have been covered automatically. 

I was not informed that additional documentation or corrections were required until after the XXXX payment was taken. Once notified, I promptly resubmitted my paperwork with the requested updates ( operation name and Section 4 completed ). Nelnet later confirmed that the deferment had been applied retroactively from XX/XX/XXXX through XX/XX/XXXX. 

Despite this, I was told that the XX/XX/XXXX payment could not be refunded because more than 60 days had passed, and was instead advised to call back in XXXX to discuss extending the deferment period. This advice was confusing, as my deferment is already active until XXXX. 

This situation has placed an unnecessary financial burden on me, especially as I was actively serving when the earlier payments were made and still protected by law when the XXXX payment was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
The following account is fraudulent. Please remove it from my credit report XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
On XX/XX/year> i lost my phone wallet all my personal belongings/ i then had to come up with money to get a new phone and switch my number back i regained access to my account and noticed that bet XXXX XXXX had taking all of my funds. So i disputed with them and i also disputed with my bank/ my bank has created a chargeback and issued me a temporary credit for 3 other transactions that are the same dates and issues as another dispute i have ongoing that they keep denying same transactions same time frame same merchant just different dispute claims because the lady at chime banking forgot to add some so i had to make a separate claim same exact transactions and merchant .. im in need of my funds for school and living needs and bills and now its gone i filed a police report did everything theyve asked and still no results just denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I am a victim of identity theft. On XX/XX/2025 I sent Equifax and TransUnion all documents required under FCRA 605B ( FTC Identity Theft Report, Police Report, ID, proof of address, detailed list of fraudulent tradelines/inquiries, and my statement that the items are not mine ). More than four business days have passed and the bureaus have not blocked the identity-theft information. I request immediate blocking/removal of all identity-theft items and notification to furnishers, per 15 U.S.C. 1681c-2. Please confirm in writing once corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
This is a notice to the big XXXX and the CFPB that I am going with XXXX XXXX as my attorney. He won the largest single plaintiff case versus a credit reporting agency. 

In my case, we will be suing all XXXX agencies and you, CFPB. CFPB, you are culpable becuase you have done NOTHING FOR MONTHS. ALL YOU HAD TO DO WAS DEMAND THE BIG THREE FOLLOW THE LAW ONE TIME. YOU DID NOTHING. 

This will go out to all four of you. You are free to contact XXXX XXXX and make settlement offers. We are confident my case will make XXXX XXXX 's look like allowance money. I have XXXX XXXX XXXX attached since I have serious doubts that ANY of you are competent enough to conduct a simple internet search.

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