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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
CHARGE OFF : Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX.The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within XXXX  days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
Money was sent to a person I never sent the money from my account tried to contact Zelle never got my money back nor a 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and unlawfully reported information that is causing harm to my creditworthiness. Specifically, I am disputing : Late payments that are being reported on closed accounts, which is inaccurate and misleading. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers must ensure maximum possible accuracy when reporting. Closed accounts should not continue to generate new late payments.

Accounts that have been re-aged and/or reinserted without proper notice, which violates my rights under the FCRA.

Collection accounts that are being reported without a valid contract or proof of ownership of the alleged debt. Per federal law, once an original creditor sells or transfers an account, the third party has no direct contractual relationship with me and therefore can not legally collect or report the account.

Reporting that does not comply with Metro 2 standards and consumer protection regulations, including inaccurate account status and balance reporting.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and ensure the credit bureaus and furnishers remove or correct all disputed information in compliance with the law.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and unlawfully reported information that is causing harm to my creditworthiness. Specifically, I am disputing : Late payments that are being reported on closed accounts, which is inaccurate and misleading. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers must ensure maximum possible accuracy when reporting. Closed accounts should not continue to generate new late payments.

Accounts that have been re-aged and/or reinserted without proper notice, which violates my rights under the FCRA.

Collection accounts that are being reported without a valid contract or proof of ownership of the alleged debt. Per federal law, once an original creditor sells or transfers an account, the third party has no direct contractual relationship with me and therefore can not legally collect or report the account.

Reporting that does not comply with Metro 2 standards and consumer protection regulations, including inaccurate account status and balance reporting.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and ensure the credit bureaus and furnishers remove or correct all disputed information in compliance with the 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: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: MOHELA
State: OH

Complaint narrative:
MOHELA loan company is charging me for a fraud student loan which is making my XXXX XXXX tumble

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: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Student loans were given by XXXX XXXX for someone who stole my identity. I did not request a loan from XXXX XXXX. I then reached out to Aidvantage who is now holding the loans, and I am turning in documents to prove the address used at the time of the loan was not where I was living. Someone stole my identity and requested the loans. Per aidvantage I need to file a report with FTC.

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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS 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 XXXXalance : {$1200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Account Systems of Omaha, LLC
State: MO

Complaint narrative:
I am a victim of identity theft and data breach. Fraudulent lease purchase accounts were opened in my name with XXXX XXXX XXXX XXXX XXXX  XXXX and later placed with National Account Systems. These accounts are being reported by XXXX  as valid debt. 

I have provided substantial evidence to prove fraud, including : A police report filed with my local law enforcement. 

An FTC identity theft report. 

Dispute letters and supporting documentation. 

Proof that the lease applications contain multiple handwriting styles and signatures, which is clear evidence of forgery and fraudulent alteration. 

Despite this, XXXX  has failed to delete this fraudulent account, continuing to report false, unverified, and damaging information about me in violation of the Fair Credit Reporting Act ( 15 U.S.C. 602, 609, 611, and 623 ). 

These violations have caused : Denial of credit and financial opportunities. 

Damage to my reputation and creditworthiness. 

Emotional distress and financial harm. 

XXXX, XXXX, and XXXX are in willful and reckless disregard of federal law by failing to properly investigate, verify, and remove the fraudulent accounts after notice.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to express my ongoing concern regarding the unresolved disputed accounts appearing on my credit report. Despite submitting multiple requests and highlighting the inaccuracies in these accounts, no resolution or corrective action has been taken to date. These inaccurate entries are severely impacting my credit standing and creating significant challenges in my daily life. The continued presence of these errors has caused undue hardship, and I am now urging your immediate assistance in resolving this matter. I respectfully request a full and thorough investigation into each disputed account, and that appropriate steps be taken to correct and update my credit report without further delay. 
Accurate reporting is essential to restoring my financial stability, and I sincerely hope you will treat this issue as a priority. Your prompt attention and cooperation in resolving these discrepancies would be greatly appreciated. Thank you for your time and support.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Branch Messenger, Inc.
State: NV

Complaint narrative:
On XX/XX/year> I was reviewing my Disputes with uber pro card app and noticed XXXX disputes opened XX/XX/year> and XX/XX/year> for {$30.00} and {$13.00}. These disputes were still in progress and it has been well past the 90 day mark. I called and requested to speak with a supervisor or the legal team neither option was available to me. I was told the matter was escalated and someone would reach out with no definitive timeline provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I was laid off as a XXXX XXXX for XXXX in XXXX XXXX weeks before XXXX with XXXX days notice. I have been unable to find work since then due to a very competitive job market, but I am trying every day. I bank with Boeing Employees Credit Union. My credit card with BECU has been maxed out. I have had multiple conversations on the phone with BECU employees as they call me seeking payment, and have explained to them my situation. Last week, my brother transferred {$2000.00} to my checking account to get me through the month. Last week I was given a {$2000.00} loan from my brother. This week, BECU transferred {$1000.00} toward my credit card payment. I assumed that the cash I had in my checking account was safe from being automatically paid toward the credit card. I am now completely out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs keeps denying my disputes after I have provided countless details as much as I possibly could about the unauthorized transactions ( my credit card was stolen and purchases were made both big and small ). Disputes were resolved in my favor for all transactions under {$20.00}. Monthly I am paying my credit card off just for them to snatch my money and provide a provisional credit I have no access to. This is the 2 month in a row that this has happened to me.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unverifiable personal information that is currently being reported on my credit files by the XXXX major credit bureaus : Experian, Equifax, and TransUnion. Despite my best efforts to have this information corrected, it remains on my reports and is a misrepresentation of my personal history. 

The following information is inaccurate and I request that it be immediately removed from my credit reports : Incorrect Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at the addresses listed above. The presence of this incorrect data could negatively impact my ability to obtain credit or may be a sign of a more serious issue such as identity theft. I am a victim of this inaccurate reporting and am suffering harm as a result. 

I have included copies of my most recent credit reports showing the inaccurate information. I am requesting a thorough investigation by your office into this matter and that the CFPB direct the credit bureaus to correct and remove this information from my files. I also request that you take all necessary steps to ensure this inaccurate information is not reinserted into my credit reports at any point in the future. 

Your assistance in this matter is greatly appreciated. Thank you for your time and attention to this urgent issue.

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: OK

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate and unverifiable personal information that is currently being reported on my credit files by the XXXX major credit bureaus : Experian, Equifax, and TransUnion. Despite my best efforts to have this information corrected, it remains on my reports and is a misrepresentation of my personal history. 

The following information is inaccurate and I request that it be immediately removed from my credit reports : Incorrect Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never resided at the addresses listed above. The presence of this incorrect data could negatively impact my ability to obtain credit or may be a sign of a more serious issue such as identity theft. I am a victim of this inaccurate reporting and am suffering harm as a result. 

I have included copies of my most recent credit reports showing the inaccurate information. I am requesting a thorough investigation by your office into this matter and that the CFPB direct the credit bureaus to correct and remove this information from my files. I also request that you take all necessary steps to ensure this inaccurate information is not reinserted into my credit reports at any point in the future. 

Your assistance in this matter is greatly appreciated. Thank you for your time and attention to this urgent issue.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mnet Financial Inc
State: IN

Complaint narrative:
Paid full amount months ago. Have been contacted multiple times by the agency requesting payment after I paid the amount sent through final notice bill from XXXX XXXX. MNET Financial is the company contacting 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
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: MA

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief