vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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:
TransUnion is reporting multiple items on my credit file that are inaccurate and not mine. They also continue to report a wrong address, XXXX XXXX, XXXXXXXX XXXX XXXX, which I have never lived at. Because of this, several accounts have appeared that I have no knowledge of. These include charge-off accounts XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize or own any of these accounts and TransUnion has not provided any proof verifying them. 

TransUnion is also reporting collection accounts that I have no knowledge of, including 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  and XXXX XXXX. These are not my accounts and must be removed. Additionally, unauthorized inquiries from XXXX XXXX  ( XX/XX/year> ) and XXXX  ( XX/XX/year> ) were reported without my permission. 

I am requesting that TransUnion delete all unverified, fraudulent, and inaccurate items and remove the wrong address immediately.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CBC Companies, Inc.
State: IL

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection XXXX of the XXXX XXXX XXXX to sting XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-03 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: MO

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
On two separate occasions, Navient Solutions LLC failed to properly service my student loan by not processing my requests for an Economic Hardship Deferment and instead steering me into costly forbearances. 

First Incident XX/XX/XXXX In XX/XX/XXXX, I submitted an Economic Hardship Deferment request and provided the required documentation, including my federal and state tax returns. Navient received my tax documents on XX/XX/XXXX at XXXX XXXX. Despite this, Navient denied my request on XX/XX/XXXX citing missing tax documentation. I do not have call logs from this period, but the deferment should have been approved based on the documentation provided. The denial letter was signed only as Customer Service. As a result, I was placed into forbearance instead of an eligible deferment. 

Second Incident XXXX XXXX My next Economic Hardship Deferment request, submitted on XX/XX/XXXX, was also mishandled. I later obtained Navients internal call notes through a subpoena issued in XX/XX/XXXX. These notes show a pattern of contradictory and inconsistent decisions : XX/XX/XXXX : Request denied XX/XX/XXXX : Request approved XX/XX/XXXX : Request denied, Various reasons XX/XX/XXXX : Request approved XX/XX/XXXX : Request denied, Granted in Error After a month of conflicting decisionsduring which I had already provided all required documentationNavient offered forbearance on XX/XX/XXXX, which I had no choice but to accept. This pattern demonstrates improper servicing and a failure to process my deferment request accurately and timely. 

Resulting Harm Because Navient improperly steered me into forbearances beginning in XXXX, interest was incorrectly capitalized on my subsidized student loan. A total of {$2900.00} in capitalized interest was added in error, and additional daily compounded interest has continued to accrue on that amount since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
The same alleged XXXX XXXX XXXX account was previously disputed and removed from my credit report after it was found to be inaccurate or unverifiable. Despite this, XXXX XXXX XXXX has continued to sell and reassign the same alleged account to third-party collection agencies, which has caused it to be reported again and damaged my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XXXX XXXX 2025 my fianc sent {$1500.00} to an old cash app account that I did not have access to. I called numerous times to try to get help to resolve the issue and they have refused to help. They even had me make a new Cash app account so they can transfer funds over from the old to the new one. Then they told me they could not for security reason even though I have provided and information to confirm it is my old account etc. 

Tried so many times with them to get a resolution and they refused to help as well as refused to help my fianc... basically claiming there is nothing they can and will do for us. Now today XXXX 2025 same thing going on no resolution. still tried to get help no one was willing to help to resolve the issue. I tried to tell them many times I do not have the old device as the battery destroyed the phone, I do not have access to the old phone number that is associated with that old account but I did the email. Tried logging in by Cash app tag said User doesn't exist so I tried to log in by my email still wouldn't let me said it was a locked account. Now out of no where I got access to the account all because my fianc request the money back and then the account locked on me again... 

Originally when I called to have then do that transfer of funds on XXXX XXXX 2025 they said there was {$1500.00} but then when I called again the lady I spoke to said there was only {$1200.00} but couldn't explain how {$320.00} was gone and as I had the access for a short amount of time there was a whole bunch of fraud transactions that they allowed. The whole meaning of this is they don't help at all but yet claims support but can't access anything or do anything for anyone. As well as can not explain how {$320.00} is just missing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: VA

Complaint narrative:
This collection account does not belong to me. I have no knowledge of this account and XXXX. XXXX has not provided any validation, documentation with my signature, proof of ownership, or itemized billing. The account is being reported inaccurately and without verification in violation of FCRA 607 ( b ) and 611. I am requesting deletion of the account for failure to validate.

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 2025-12-03 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: Experian Information Solutions 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 2025-12-03 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: GA

Complaint narrative:
I've tried numerous times to remove false accounts, inaccurate accounts and addresses that are not mine. Please remove these accounts 1. XXXX XXXX # XXXX. 2 ) XXXX XXXX XXXX XXXX # XXXX. 3 ) XXXX XXXX  # XXXX 4 ) XXXX XXXX  # XXXX 5 ) XXXX # XXXX 6 ) XXXX XXXX XXXX # XXXX 7 ) 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 2025-12-03 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting inaccurate, conflicting, and unverifiable information across multiple credit bureaus regarding my auto loan. The reporting violates the FCRAs accuracy, consistency, and verification requirements.

1. XXXX  Reporting Errors : XXXX  reports the following inaccurate and impossible data : A XX/XX/XXXX charge-off status A Last Payment Date of XX/XX/XXXX, which is impossible because the account was already charged off and the vehicle was repossessed in XXXX The account shows a {$0.00} balance, but also says {$19000.00} written off, which can not be accurate if the debt was sold XXXX  lists the account as Purchased by another lender ( XXXX XXXX XXXX ) yet Santander is still reporting charge-off activity after the sale This conflicts with XXXX XXXX standards and FCRA 607 ( b ) accuracy requirements Once an account is sold, the original creditor can not continue reporting new derogatory or charge-off updates.

2. XXXX  Reporting Conflicts and Errors : XXXX  shows different inaccurate information : Status is listed as Collection / Charge-Off, even though the account was sold to XXXX XXXX XXXX Remarks state Charged off as bad debt | Purchased by another lender both can not be true at the same time If the account was purchased by another lender, it should not be reported as a collection or charge-off by Santander The reporting date ( XX/XX/XXXX ) does not match XXXX  charge-off update date ( XX/XX/XXXX ) XXXX does not list the repossession at all, meaning required status information is missing This violates FCRA requirements for accurate and consistent reporting across all credit bureaus 3 . Major FCRA Violations Present : These errors show several violations of the Fair Credit Reporting Act : FCRA 607 ( b ) : Failure to maintain accurate and consistent reporting FCRA 611 : Inability to verify dates and status updates FCRA 602 : Reporting information that is contradictory and misleading Reporting charge-off activity after the debt was sold ( prohibited ) Reporting an impossible last payment date months after charge-off Reporting different statuses and dates to different bureaus Because the information differs between XXXX  and XXXX, it can not be verified and must be corrected or deleted.

4. Requested Resolution : I am requesting that XXXX XXXX XXXX : Provide documentation supporting the actual last payment date Provide proof of the charge-off date Provide proof of the sale/transfer to XXXX XXXX XXXX Provide all legally required repossession notices for New York Correct or delete the account from all credit bureaus if the information can not be verified If Santander can not provide verifiable documentation for the dates, balances, repossession, sale, and charge-off activity, I request removal of this account from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: TN

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 XXXX 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 2025-12-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-03 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: AL

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-03 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:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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