vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
They still havent provided valid proof of debt, I disputed over XXXX times and they still wont send me PROOF OF DEBT or REMOVE from my credit report, Im reporting here before taking legal action against the company XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I applied for a debt consolidation loan through UPGRADE on XX/XX/XXXX The loan was approved and funds were supposed to be disbursed in XXXX XXXX XXXX days. I called on the XXXX day ( XX/XX/XXXX ) checking on status. They told me to call back the next day. I called XX/XX/XXXX and they said they would resubmit. On XX/XX/XXXX I got nervous and canceled the loan. I received an email confirming the cancelation. On XX/XX/XXXX, after researching the company, ( which I should've done in the XXXX place. ) I decided to reapply. I was having trouble applying online so I called. They said they would reinstate the original loan. On XX/XX/XXXX I received email stating loan had been denied. On XXXX I received another email suggesting other lenders. 
I got a loan through another lender. On XX/XX/XXXX I received an email apologizing for not being able to help me but they would like to help in the future. On XX/XX/XXXX, I received an email congratulating me on loan approval. On XX/XX/XXXX, I received another email stating funds were being disbursed. They had disbursed the funds the way I had originally requested. ( {$5000.00} to XXXX XXXX, {$2700.00} to XXXX and {$400.00} into checking. After many phone calls, I was able to return {$1800.00}, then the remaining {$900.00} on XX/XX/XXXX. They are insisting I pay {$1000.00} which is a {$900.00} origination fee plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting 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
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-08-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-08-17 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any 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 2025-08-17 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft Block Request 4-Day Removal of Fraudulent Accounts Dear Credit Bureau Representative , I am submitting this letter as a formal request for an identity theft block pursuant to the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ). The following accounts have been fraudulently opened or reported and must be blocked from my credit file within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX My Identity Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Enclosures Provided ( as required by FCRA ) A copy of my government-issued photo identification.

Proof of residence ( utility bill, lease, or bank statement ). A copy of my FTC Identity Theft Report or police report documenting the fraud.

Legal Authority Under FCRA 605B, the credit reporting agencies are required to block all fraudulent accounts within 4 business days of receiving this request and supporting documentation. Continuing to report these fraudulent accounts after this block request constitutes willful noncompliance with the FCRA and subjects you to liability under FCRA 616 and 617.

Action Requested Immediately block the above fraudulent accounts from my credit report.

Provide me with written confirmation that these items have been removed.

Prevent these accounts from being reinserted unless full certification of accuracy is provided by the furnisher, as required under FCRA 611 ( a ) ( 5 ) ( B ). Failure to comply will result in complaints being filed with the Consumer Financial Protection
Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office.

I expect written confirmation within 30 days and removal of the accounts within 4 business days, as required by law. 

Sincerely, XXXX XXXX XXXX THESE ACCOUNTS ARE NOT MINE.

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 2025-08-17 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Subject : Identity Theft Block Request 4-Day Removal of Fraudulent Accounts Dear Credit Bureau Representative , I am submitting this letter as a formal request for an identity theft block pursuant to the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ). The following accounts have been fraudulently opened or reported and must be blocked from my credit file within 4 business days : XXXX XXXX XXXX XXXX XXXX XXXX My Identity Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Enclosures Provided ( as required by FCRA ) A copy of my government-issued photo identification.

Proof of residence ( utility bill, lease, or bank statement ). A copy of my FTC Identity Theft Report or police report documenting the fraud.

Legal Authority Under FCRA 605B, the credit reporting agencies are required to block all fraudulent accounts within 4 business days of receiving this request and supporting documentation. Continuing to report these fraudulent accounts after this block request constitutes willful noncompliance with the FCRA and subjects you to liability under FCRA 616 and 617.

Action Requested Immediately block the above fraudulent accounts from my credit report.

Provide me with written confirmation that these items have been removed.

Prevent these accounts from being reinserted unless full certification of accuracy is provided by the furnisher, as required under FCRA 611 ( a ) ( 5 ) ( B ). Failure to comply will result in complaints being filed with the Consumer Financial Protection
Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office.

I expect written confirmation within 30 days and removal of the accounts within 4 business days, as required by law. 

Sincerely, XXXX XXXX XXXX THESE ACCOUNTS ARE NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: CA

Complaint narrative:
My current loan servicer is MOHELA. I am part of the school closure, federal student loan discharge all my federal loans got XXXX. Now I am waiting for my refund which Ive been waiting for over XXXX  XXXX now Ive contacted MOHELA Multiple times regarding this issue and they always give me the runaround and say that its the XXXX XXXX XXXX XXXX  At this point, I feel like they are upholding my refund. Every time I call its always someone different and my issue is never resolved. All Im asking for is for my refund. I am currently experiencing financial difficulties and this refund will help out pay some of my bills.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XX/XX/XXXXhas violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TrueAccord Corp.
State: CO

Complaint narrative:
I moved into a new residence, in XXXX, CO. 
Upon moving in, there was a XXXX XXXX cable box already existing in the residence. I called the company to install internet at the location so I could have wifi. XXXX told me that I

would need a new box, which I said no problem. They then informed me that I would be charged for the former tenants box which had not been properly returned to them previously. I disagreed with this sentiment, because that is not my problem. When I moved out, I returned my internet/cable box and paid my fees. I was then sent a bill months later for the {$130.00} of which is the former tenants unpaid-unreturned cable box fees. I do not think its my right to pay for fees of a tenant who I have never met, nor had in my care. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: VA

Complaint narrative:
Reporting Inaccurate information on my report is violating FRCA Laws. You must report accurate information. XXXX XXXX accounts, XXXXXXXX XXXX and XXXX XXXX XXXX Are all showing late payments. You must update this to On-time and delete late payment 's. 

XXXX Is reporting all on-time which shows XXXX percent accuracy I have attached the reports for XXXX. 

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 non-monetary relief
Consumer complaint received 2025-08-17 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Cancellation processes : Making it intentionally difficult to cancel membership or services. 

Customer service : Making it difficult to resolve issues or get help. 

My name is XXXX XXXX. DOB : XX/XX/XXXX. SSN : XXXX. I attempted to log into my experian membership on XX/XX/XXXX. I got a message saying I have to pay in order to login. I dont want to pay. It does not provide an option to cancel. I called the IVR and said membership cancellation. The IVR erroneously said you currently dont have a membership. This is false and Im attaching a screenshot hereto to show proof its asking to pay in order to continue and doesnt provide an option to cancel on my own. The IVR goes in circles and doesnt help. In addition, I have a second complaint about Experians excessive hold times. Its too difficult to get to an agent. Please cancel my premium membership forthwith ; I refuse to pay. This is known as corporate sludge. This is not a request for a copy of my credit report and this is not a request to dispute. Do not send me a copy of my credit report. Do not file a dispute.

cc : FTC and 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief