vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I received an email from my credit monitoring service my score dropped drastically. XXXX XXXX put a collections amount on my report which I do not owe. Any debt that was taken out with Affirm and XXXX XXXX bought was the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was the victim of a serious law enforcement impersonation scam and Regions Bank has denied my fraud claim. 

On XX/XX/year>, I was contacted by individuals claiming to be from the local sheriffs office. They told me I had outstanding warrants for missing jury duty and that I could be arrested immediately if I didnt pay to freeze the warrants until I could appear in person to reschedule. Believing this was legitimate law enforcement contact, I followed their instructions and sent money through my Regions Bank account under threat of arrest. 

I later discovered this was a known jury duty warrant scam that law enforcement agencies nationwide have warned about. I immediately reported it to Regions Bank and filed a fraud claim. Despite explaining that I was coerced and deceived into authorizing the transaction, Regions denied my claim and refused to provide a refund. 

I have filed a police report documenting the incident : Police Report Number : XXXX Law Enforcement Agency : XXXX XXXX XXXX XXXX I am requesting that Regions Bank be required to reinvestigate this claim and recognize that this was fraud under coercion, not an ordinary authorized transaction. I was misled and intimidated into sending the funds under false pretenses. 

I believe Regions failed to properly consider the coercive and deceptive circumstances of the transaction when denying my claim. 

Requested Resolution : I request that Regions Bank reopen my claim, conduct a reinvestigation, and provide reimbursement for the funds lost as a result of this scam. I also request a written explanation for the denial decision, including what evidence or reasoning was used. 

Thank you for reviewing this complaint.

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 2025-12-15 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: NJ

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX  XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
This account is affecting me and I am not responsible for it. Please delete it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-15 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:
I am submitting this complaint to dispute inaccurate and unverified information currently appearing on my TransUnion credit report. As a consumer, I am entitled to fair, accurate, and verifiable credit reporting under the Fair Credit Reporting Act ( FCRA ). 

Inquiries in Dispute XXXX XXXX  Inquiry dated XX/XX/year> I do not recognize this inquiry and do not recall authorizing it. TransUnion must verify that this inquiry was made with a valid permissible purpose. If TransUnion can not provide proof of authorization, this inquiry must be deleted from my credit report. 

Late Payment in Dispute XXXX Account 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 2025-12-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
Beginning in XX/XX/XXXX, I attempted to increase my federal student loan automatic payments above the minimum amount. The servicers website did not allow this and referenced features that did not exist. Despite multiple calls and emails, the issue was never officially resolved. 

In XX/XX/XXXX, my automatic payments were paused without my consent. When I contacted the servicer, I was told I could not use automatic payments because my account was in SAVE forbearance. I repeatedly requested the specific federal law or Department of Education directive that prohibits voluntary automatic payments during SAVE forbearance. 

From XX/XX/XXXX through XX/XX/XXXX, the servicer sent multiple written responses stating that blocking automatic payments was required by their terms and conditions or internal policy, but they never cited any federal statute, regulation, court order, or ED guidance to support this claim. I also received inconsistent communications, including a voicemail stating I would receive a closure letter that never materialized. 

I have attached copies of the relevant correspondence, letters, and supporting documentation showing my repeated requests and the servicers failure to provide the requested federal authority. The servicer continues to provide incomplete and misleading information about my payment rights and prevents me from using automatic payments despite repeated written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
On XX/XX/year>, I applied for vehicle financing through JD Byrider ( XXXX, Ohio ), which uses CarNow Acceptance Company ( CNAC ). During this transaction, my consumer credit was accessed and used to request bank financing. At the same time, JD Byrider/CNAC required and collected a {$500.00} deposit, and also charged and collected monthly payments, without providing clear or legally required credit disclosures. 
I am not disputing the deposit amount itself. I am reporting consumer law violations based on the practice of taking a deposit and ongoing payments while my credit was being used to seek financing, without clearly disclosing whether a lawful, finalized credit agreement existed. 
I believe this conduct violates the following consumer protection laws : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531 & 5536, by misleading me regarding the status of financing while collecting money.

Truth in Lending Act ( TILA ), 15 U.S.C. 1638 and Regulation Z ( 12 C.F.R. Part 1026 ), by collecting money related to a credit transaction without providing required credit term disclosures.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ), by accessing and using my credit without a clearly disclosed, lawful purpose.

Ohio Consumer Sales Practices Act, Ohio Rev. Code 1345.02 & 1345.03, prohibiting deceptive and unconscionable conduct in vehicle financing.

This conduct caused financial harm and confusion regarding my legal obligations. I request that the CFPB investigate CNACs and JD Byriders practices, require compliance with consumer protection laws, and provide appropriate relief

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing inaccurate and unauthorized accounts appearing on my Equifax consumer report. Due to the ongoing and well-documented data breaches involving consumer reporting agencies and financial institutions, I have reason to believe my personal identifying information was compromised and used without my knowledge or consent. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Equifax is legally required to ensure that all information reported on my credit file is accurate, complete, and fully verifiable. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$3900.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
Dear all, I have a debt collector on all my credit reports under XXXX XXXX XXXX 
I disputed this with the XXXX ( also known as XXXX XXXX XXXX and requested debt validation. This was sent via certified mail on XX/XX/year>. 
They failed to respond within 30 days. 
I then sent the request to have this removed to all the credit bureaus as this was not validated - and none have removed this as yet. 

This has been over 15 days with the credit bureaus, which legally should now be removed. 

Can you please assist in having this collection removed from my credit reports as it is massively impacting my score and report? 
This was sent to all the major bureaus : Transunion, Equifax and Experian. 
If this is appearing on any others that Im not aware of, theyd need to be removed too. 

Please see attachments.

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 2025-12-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear all, I have a debt collector on all my credit reports under XXXX XXXX XXXX 
I disputed this with the XXXX ( also known as XXXX XXXX XXXX and requested debt validation. This was sent via certified mail on XX/XX/year>. 
They failed to respond within 30 days. 
I then sent the request to have this removed to all the credit bureaus as this was not validated - and none have removed this as yet. 

This has been over 15 days with the credit bureaus, which legally should now be removed. 

Can you please assist in having this collection removed from my credit reports as it is massively impacting my score and report? 
This was sent to all the major bureaus : Transunion, Equifax and Experian. 
If this is appearing on any others that Im not aware of, theyd need to be removed too. 

Please see attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following items reported by TransUnion due to inaccurate balances, inconsistent reporting compared to other bureaus, and failure to properly verify the information. 

CHARGED-OFF / COLLECTION ACCOUNTS ( TU ) XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$1500.00} XXXX XXXX Opened XX/XX/XXXX Balance {$7000.00} XXXX XXXX Opened XX/XX/XXXX Balance {$560.00} XXXX  XXXX Opened XX/XX/XXXX Balance {$0.00} INQUIRIES ( TU ) XXXX  XXXX XX/XX/XXXX XXXX did not authorize this inquiry and request documentation showing permissible purpose. 

LATE PAYMENTS ( TU ) XXXXXXXX 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 2025-12-15 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: PA

Complaint narrative:
The complete lack of verified documentation supporting the accuracy of this information, along with the circulation of data that has not been properly validated, constitutes a direct breach of the requirements set forth in 15 USC 1681i ( 7 ). This failure to comply is both concerning and extremely frustrating, especially considering the legal duty to ensure accuracy and fairness. 

For these reasons, I request the immediate deletion of this account unless you can provide credible, verifiable proof confirming its legitimacy. Any further delay only heightens the frustration caused by the disregard for regulatory standards and the procedures designed to protect consumers from inaccuracies.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my XXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NH

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 2025-12-15 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: MN

Complaint narrative:
The following inquiry appears on my credit report without my authorization or permissible purpose under the FCRA : XXXX / XXXX Inquiry Date : XX/XX/year> I did not authorize this inquiry, nor am I aware of any application or transaction that would justify it. This inquiry should be removed unless a valid permissible purpose can be proven. 

Late Payment Disputes The following accounts contain late payment information that I dispute as inaccurate and/or incomplete : XXXX XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account No : XXXXXXXX XXXX XXXX XXXX XXXX  These entries must be fully validated or deleted if proper verification can not be produced.

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 2025-12-15 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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