vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: KS

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 

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 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 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I have been a XXXX XXXX XXXX working towards the XXXXXXXX XXXX  to become a XXXX XXXX. I have not been able to successfully complete so therefore, I am not working in the professional in which for which I took the XXXX loans and went to school to my degree Ive asked for several different forbearances, and I also apply for a forgiveness considering that I was under The requirements of it I was sent in for forgiveness. I also had it on my credit report several years back and now it has come back on my report and it is reporting as a new day making it harder for me to complete things that I need to complete for my family. Is that every day necessary I definitely do not make money Enough money to pay any of these loans back that I want to school and borrowed to help me survive as a student I am still single mother of XXXX and it is very hard for me to do the smallest things. I survived day today and I am struggling and it is hard for me to pullfrom any which way in my credit is declining and I am. It is very hard for me to even get a stable enough to make enough income to take care of my family monthly I suffer from the XXXX in the pandemic and was never able to come over that financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-14 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: MO

Complaint narrative:
This account does not belong to me and appears as an inaccurate entry.

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 2025-10-14 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: MO

Complaint narrative:
This account does not belong to me and appears as an inaccurate entry.

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 2025-10-14 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am submitting this complaint to the CFPB regarding multiple inaccurate, unauthorized, and disputed items appearing on my credit reports. Despite my repeated attempts to correct these errors, the inaccuracies continue to negatively impact my creditworthiness, causing financial harm, stress, and potential denial of credit. These reporting errors violate the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ), 611 ( a ), and 623 ( a ), which require credit reporting agencies and furnishers to ensure accuracy, conduct reasonable investigations, and promptly correct or delete inaccurate information. I request the CFPB intervene and direct all involved parties to complete thorough reinvestigations and permanently remove unverifiable, unauthorized, or inaccurately reported information. 


Inquiry : XXXX CARD XX/XX/XXXX Law/Issue : Unauthorized Hard Inquiry FCRA Section 604 ( a ) ( 3 ) allows inquiries only with my written consent or for a permissible purpose. This inquiry was not authorized by me. 
Story : I have no knowledge of requesting credit from XXXX CARD on this date. The reporting of this inquiry is inaccurate and lacks my authorization. Its presence on my report is damaging and violates my rights under the FCRA. Immediate deletion is required. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} Chargeoff * * Law/Issue : Inaccurate Charge-Off Reporting FCRA Sections 607 ( b ), 609, and 611 require accurate, verifiable reporting. I dispute the validity of this charge-off because the balance, account status, or both are misreported.

Story : This account information is inaccurate. The reported charge-off does not reflect my actual account history, payments, or agreements. Previous disputes have not corrected this error. I am requesting full verification and correction under the FCRA, as its continued reporting is harming my credit profile. 

All actions described above are in violation of the FCRA and have caused significant harm, including denial of credit, higher interest rates, and emotional distress. I request the CFPB to direct all reporting agencies and furnishers to complete their investigations, delete unverifiable or inaccurate information, and update my credit file in full compliance with the law. Documentation supporting these disputes will be provided upon request. 
I assert that if these errors are not corrected promptly, further legal action will be considered to protect my rights under FCRA Sections 611 and 623. The CFPBs oversight is crucial to ensure compliance with federal law and to restore the accuracy of my credit profile.

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 2025-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Trust Financial LLC
State: WY

Complaint narrative:
On XX/XX/XXXX of 2024 I went to see an XXXX doctor at Wyoming otolaryngology for new patient consultation.he claimed to have done a procedure on me that I did not receive and billed my insurance for it with me having to pay the remainder.i did not know about this as it was a surprise to me when my insurance told me that they were billed for it.now XXXX XXXX XXXX XXXX XXXX, is suing me for this debt.the only proof anyone is providing me is falsified doctors notes from the visit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX is being reported inaccurately on my credit report. Transunion has the date of last activity reported as XX/XX/XXXX, Equifax has the date of last activity listed as XX/XX/XXXX, and XXXX doesn't have a date listed at all. The highest balance is reported by Transunion as {$700.00}, Equifax is reporting {$1100.00} as the highest balance, and XXXX doesn't have a balance listed at all. Transunion reported the date opened as XX/XX/XXXX, Equifax reported the date opened as XX/XX/XXXX, and Experian didn't list a date opened at all. Transunion listed the date of last payment as XX/XX/XXXX, Equifax reported the date of last payment as XX/XX/XXXX, and Experian didn't report a date at all. 
THERE IS NO THIRD PARTY HELPING ME. I DID MY OWN STUDYING AND INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX is being reported inaccurately on my credit report. Transunion has the date of last activity reported as XX/XX/XXXX, Equifax has the date of last activity listed as XX/XX/XXXX, and XXXX doesn't have a date listed at all. The highest balance is reported by Transunion as {$700.00}, Equifax is reporting {$1100.00} as the highest balance, and XXXX doesn't have a balance listed at all. Transunion reported the date opened as XX/XX/XXXX, Equifax reported the date opened as XX/XX/XXXX, and Experian didn't list a date opened at all. Transunion listed the date of last payment as XX/XX/XXXX, Equifax reported the date of last payment as XX/XX/XXXX, and Experian didn't report a date at all. 
THERE IS NO THIRD PARTY HELPING ME. I DID MY OWN STUDYING AND INVESTIGATION.

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Its alot of purchases from XXXX XXXX they took from my paypal I made a dispute with proof from the merchant that it was not me that my account was deactivated since XXXX they kept paypal kept denyin my dispute now that i contacted your company for help they closed my account thats not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
CashApp closed my account stating terms of service violation. I read the terms of service in its lengthy entirety and I was not able to gleen anything of value as to why they closed my account. 

On their website they state I can appeal the decision which I did twice over several years. I feel they discriminated against me by closing my account and they should allow me to open my CashApp account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I recently discovered that an application for a Home Depot credit card was made using my personal information. I did not provide permission or authorization for this application, nor did I apply for a Home Depot credit account at any time. I believe my personal information was used without my knowledge or consent on 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 non-monetary relief
Consumer complaint received 2025-10-14 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:
I am submitting this complaint regarding my recent dispute letter to Equifax. I sent a formal identity theft dispute explaining that several items on my credit report were fraudulent and that my personal information had been used without my consent. Despite clearly outlining the issue and citing the Fair Credit Reporting Act, Equifax did not properly handle my dispute. They failed to provide a valid Method of Verification or proof showing how the information was confirmed. It appears that Equifax relied solely on automated systems instead of conducting a full and independent reinvestigation as required by law. Because the fraudulent information was not removed and I received no clear explanation, I prepared and submitted my Round 2 dispute letter requesting a fair and thorough review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
I am submitting this complaint regarding my recent dispute letter to TransUnion. I sent a formal identity theft dispute explaining that several items on my credit report were fraudulent and that my personal information had been used without my consent. Despite clearly outlining the issue and citing the Fair Credit Reporting Act, TransUnion did not properly handle my dispute. They failed to provide a valid Method of Verification or proof showing how the information was confirmed. It appears that TransUnion relied solely on automated systems instead of conducting a full and independent reinvestigation as required by law. Because the fraudulent information was not removed and I received no clear explanation, I prepared and submitted my Round 2 dispute letter requesting a fair and thorough review.

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
The bureaus collection company is still reporting a collection debt after multiple attempts on my part to alert that this account is fraudulent. The paperwork they supply does not include a signed credit card agreement or any other proof that this account belongs to me beyond a few credit card statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2025 I noticed all my tradelines were deleted from my Transunion report in which caused my score to drop XXXX points my score went from XXXX to XXXX I called Transunion in which i was told they submitted a ticket to their maintenance team to try to resolve the issue this has caused me a lot of problems because I was in middle of refinance not cool at all they cauld not tell me anything in which how this happened not very helpful at all

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 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicing Solutions, LLC
State: WI

Complaint narrative:
On XX/XX/year> I requested by certified mail to Servicing Solutions a debt verification letter that showed a complete breakdown of what they claimed I owed and the original signed agreement between XXXX and me that demonstrated I agreed to these terms. They have failed to do this and has now reported the account account negative with the credit Bureau Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXXIncorrect DOB : - XXXXIncorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, TX XXXXIncorrect Name : XXXX XXXX XXXXEmployer - XXXX XXXX XXXXIncorrect Name : - XXXXXXXX XXXXIncorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, TX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 explanation
Consumer complaint received 2025-10-14 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:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is XXXX XXXX accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment being reported on my XXXX  account ( Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$19000.00}. After reviewing my credit file, I found that the reported late status does not accurately reflect my payment history or the current standing of the account. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, under FCRA 1681i ( a ), consumers have the right to dispute any inaccurate or incomplete information and to have such information corrected if it can not be verified.

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 2025-10-14 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: IL

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

Company response to consumer: Closed with explanation