vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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

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 2025-05-27 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: TN

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
XXXX IS NOT WILLING TO REMOVE AN ERRONEOUS MARK ON MY CREDIT FILE AND I HAVE SENT THEM DOCUMENTATION FROM ALLIANT CREDIT UNION TO REMOVE THE LATE PAYMENT. 

ACCOUNT NAME : ALLIANT CU ACCOUNT NO XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
TRANSUNION IS NOT WILLING TO REMOVE AN ERRONEOUS MARK ON MY CREDIT FILE AND I HAVE SENT THEM DOCUMENTATION FROM XXXX XXXX XXXX TO REMOVE THE LATE PAYMENT. 

ACCOUNT NAME : XXXXXXXX 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 2025-05-27 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX did not bill my insurance company ( Medicaid ) for my twin As birth. They sent the bill to the collection agency United Collection Bureau , INC. UBC Inc has been pursuing me for this debt of {$16000.00} but my insurance was going to pay fully for that service, unfortunately, they never received the bill. I have tried multiple times disputing this and even speaking to the hospital and the collection agency, however, nobody has wanted to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on account that was in fact paid on time. The consumer reporting agencies need to report ALL information with complete accuracy. This account has NOT been late on payments ; I've attached a copy of my report to this complaint on XX/XX/year>. I'm now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand that these payments be updated to PAID ON TIME Immediately! Thank you for your understanding and prompt action.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Issue : Despite being an actively enrolled college student, my federal student loan servicer has incorrectly placed my loans into repayment, demanding payments and falsely reporting missed payments to credit bureaus. This has negatively impacted my credit score, creating financial difficulties.

Timeline & Details : Date of Enrollment : " XX/XX/year>XXXX  '' Present Loan Type : Federal Direct Subsidized/Unsubsidized Loans First Notice of Incorrect Billing : [ XXXXXXXX  ] Actions Taken : Contacted the loan servicer [ several ] times ( via phone ) to confirm my in-school status and request a return to deferment. 

Provided proof of enrollment ( submitted school certification or enrollment verification ). 

Disputed the credit reporting with the servicer and credit bureaus ( experian, transunion ). 

Outcome : Servicer failed to correct the error ; payments continue to be demanded.

Credit reports still show delinquent/missed payments, lowering my score by XXXX points. 

Impact : Difficulty securing housing/apartment approvals due to damaged credit. 

Higher interest rates on other financial products, and car loans. 

Stress and undue burden as a full-time student without income to cover wrongful payments.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Issue : Despite being an actively enrolled college student, my federal student loan servicer has incorrectly placed my loans into repayment, demanding payments and falsely reporting missed payments to credit bureaus. This has negatively impacted my credit score, creating financial difficulties.

Timeline & Details : Date of Enrollment : " XX/XX/year>XXXX  '' Present Loan Type : Federal Direct Subsidized/Unsubsidized Loans First Notice of Incorrect Billing : [ XXXXXXXX  ] Actions Taken : Contacted the loan servicer [ several ] times ( via phone ) to confirm my in-school status and request a return to deferment. 

Provided proof of enrollment ( submitted school certification or enrollment verification ). 

Disputed the credit reporting with the servicer and credit bureaus ( experian, transunion ). 

Outcome : Servicer failed to correct the error ; payments continue to be demanded. 

Credit reports still show delinquent/missed payments, lowering my score by XXXX points. 

Impact : Difficulty securing housing/apartment approvals due to damaged credit. 

Higher interest rates on other financial products, and car loans. 

Stress and undue burden as a XXXX XXXX  without income to cover wrongful payments.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-05-27 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
I took this loan out XX/XX/year>. They paid 2 creditors but have still not paid the 3rd creditor. So for 4 weeks I have been charged the full amount of the loan plus interest and now I have to make a payment that should have been paid 3 weeks ago. I think they should not be charging me for what they have not paid. I can not afford double payments. I am on social security.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached. I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence.

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 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage has been an absolute nightmare ever since they purchased the servicing of my loan. I have spent at least 3 hours a month on the phone with them trying to remove forced placed insurance policies. I have had multiple insurance brokers try to help in getting the right coverage with the right names etc. and they will allow to correct something and then forceplace another policy for a different reason. At XXXX point I had XXXX different flood policies on my property because of their predatory practices. I am very close to refinancing at a higher rate just to get rid of this awful company. Phone help is slow, and inept, when you try to send them updated docs their system is always down so they can't receive them. It should be illegal to have a mortgage company affiliated with an insurance company where they can pray on the consumers in this way.

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 2025-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Account # XXXX I'm unaware of this debt and did not have opportunity to dispute this account if you belive you sent proper notiforication, please provide 'Certified Mail ' with Receipt displaying my signature .if not please delete account # XXXX as soon possible from my report or I will have take legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I recently identified fraudulent accounts on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand they be blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted a complete and valid FCRA XXXX identity theft request to Experian on XX/XX/year>. This included my FTC Identity Theft Report ( Report # XXXX ), my government-issued ID, and my Social Security card and a dispute letter asking for this to be blocked and deleted according to FCRA 605 ( b ). The report clearly states that Bankruptcy XXXX # XXXX was filed without my knowledge or consent and is the result of identity theft. Experian has failed to block or delete the bankruptcy entry as required by law. The fraud department agent " XXXX '' stated she can not block it due to there policy although I gave all the correct documentation she also refused to share the policy. Under FCRA 605B, Experian had 4 business days to remove this item. I am requesting the CFPB compel Experian to comply and delete the fraudulent bankruptcy 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion regarding the inaccurate and unlawful reporting of multiple accounts as charge-offs, 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 These accounts are being reported as charge-offs and/or collections without proper verification, violating several provisions of the Fair Credit Reporting Act ( FCRA ) and IRS regulations. A charge-off is a canceled debt under federal tax law, and as such, must be accompanied by a Form 1099-C, which has never been provided to me by the furnishers or TransUnion.

Additionally : Reporting a debt as both charged-off and collectible constitutes double reporting, which is misleading and unlawful under 15 U.S.C. 1681e ( b ).

There has been no proper notice of the right to opt out of credit reporting as required by the Gramm-Leach-Bliley Act, which means nonpublic personal information may have been unlawfully shared. 

Multiple disputes have been submitted previously without adequate investigation or correction by TransUnion, violating 15 U.S.C. 1681i and 1681s-2 ( b ).

I was an uninformed consumer at the time these agreements were entered, and the terms were not clear and conspicuous. Continuing to report these entries after receiving notice of error and without providing full verificationincluding cancellation status and IRS reportingconstitutes willful and negligent noncompliance, exposing TransUnion to liability under 15 U.S.C. 1681n and 1681o. 

I am not requesting verification or validation. I am demanding immediate deletion of these inaccurate entries. Any stall responses or generic replies will be treated as noncompliance and escalated to the FTC, CFPB, and legal counsel.

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 2025-05-27 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: CA

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 non-monetary relief