vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. The XXXX XXXX XXXXXXXX account appearing on my Early Warning consumer report does not belong to me and was fraudulently opened/used without my authorization. I dispute the accuracy and completeness of this information and request that it not be considered as part of my legitimate credit or banking history. '' Instruction : Please attach this consumer statement to my Early Warning consumer file in accordance with the Fair Credit Reporting Act ( FCRA 611 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance Corporation obtained a final Florida judgment on my auto loan, and I was granted a Florida exemption. Despite this, XXXX XXXX continues to furnish the loan as OPEN with rolling delinquencies and past-due balances to Experian, TransUnion, and Equifax. I filed multiple disputes ; each CRA returned verified/accurate, yet the tradeline remains inaccurate, misrepresenting the legal status ( merger doctrine ). Experian, TransUnion, and Equifax report varying late payments and balances despite the judgment. This violates FCRA 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( a ), ( b ), 1681n/1681o, and Florida law FDUTPA 501.204 and FCCPA 559.72 ( 5 ), ( 9 ). 

When a final judgment is entered, the loan obligation merges into the judgment ( merger doctrine ). Continuing to report the original loan as an open, delinquent account misrepresents the legal status and violates the FCRA and Florida law. The furnisher ( XXXX XXXX ) must furnish accurate, complete data, and correct after notice of dispute ; the CRAs must ensure maximum possible accuracy and correct/delete unverifiable information. 

As a result, I have suffered and endured multiple unsuccessful attempts to reconcile inaccurate information, extreme emotional distress and anxiety, financial harm, including denial of credit and higher interest rates, and reputational damage from inaccurate reporting of debt status.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, INQUIRY - XX/XX/year> Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments.

Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation of the FCRA and FDCPA, and I remind you that any data not independently verified must be removed

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Refer to PDF attachments for further explainations.

NCB Management Services is inaccurately reporting a collection account on my credit file with a fluctuating balance and no proper validation. Despite repeated attempts to resolve this via phone calls, mailed disputes, and XXXX  online dispute process, NCB has failed to provide required documentation, including the original signed contract, chain of title, assignment records, accounting, flow agreement, and IRS 1099-C.

This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681c, 1681n, 1681o ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692e, 1692f, 1692c ( c ) ), as well as 15 U.S.C. 1666, UCC 3-604, and Public Law 73-10 ( HJR 192 of 1933 ). NCBs continued reporting without validation is misleading, deceptive, and unlawful.

I am requesting that the CFPB compel NCB and XXXX  to delete this collection account immediately, confirm permanent removal, and prevent reinsertion without full legal validation and my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I submitted an application for an Income-Driven Repayment ( IDR ) plan on XX/XX/XXXX. On that application I specifically selected Income-Based Repayment ( IBR ), not SAVE or any other plan. 

MOHELA acknowledged my application and later sent me written communication stating that my new repayment schedule under IDR would begin XX/XX/XXXX. I have official documentation of this approval. 

However, when XXXX arrived, my scheduled payment did not process. Instead, MOHELA placed my account into forbearance, stating I was on the SAVE plan, which is factually incorrect. Despite my documentation showing I elected IBR, MOHELA is now requiring me to reapply for IDR.

As a result of this error : My loans have been placed in forbearance against my wishes.

Interest is accruing unnecessarily, creating financial harm.

I am being denied the repayment plan I requested and was approved for.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/year> ] Balance : {$11000.00} XXXX request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within 30 days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
I am writing to formally dispute the reinsertion of a negative item on my credit report. As outlined in 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), once a negative item has been deleted from a consumer 's credit report as a result of a dispute, it can not be reinserted unless the credit bureau has received verification of the accuracy of the information, and the consumer is notified within a reasonable time. 
I have recently noticed that a previously deleted negative item has reappeared on my credit report. The details of the account in question are as follows : Account Name : [ XXXX ] Account Number : [ XXXX ] Date of Reinserted Item : [ XX/XX/year> ] Balance : {$11000.00} XXXX request that you provide documentation verifying that the negative information was properly reinserted in accordance with the requirements of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ), including a detailed explanation of how this item was verified and whether I was notified prior to the reinsertion. If such documentation can not be provided, I expect that the item will be removed from my credit report immediately. 
In accordance with the Fair Credit Reporting Act, I also request that you inform me of your findings within 30 days of receiving this letter. If you fail to provide the necessary documentation or reinstate the deletion of the item, I will be forced to take further action to protect my rights. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX T

hese harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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