vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Urgent Request TransUnion Refusing to Block and Delete Fraudulent Accounts ( FCRA 1681c-2 Violation ) Dear CFPB, I am requesting immediate assistance regarding TransUnions non-compliance with FCRA 1681c-2. I am a verified victim of identity theft and have submitted all required documentation, including : FTC Identity Theft Report Government-issued ID Proof of address Certified letter listing fraudulent accounts Despite receiving this documentation more than 4 business days ago, TransUnion continues XXXX report the following fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} These items are not mine. XXXX XXXX XXXX have complied and removed them. TransUnion refuses to block and delete them in accordance with federal law. 

Please help enforce my rights and compel TransUnion to take immediate corrective action. This delay is causing serious and ongoing harm to my credit. 

Thank you, 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2025-06-18 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: NY

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-06-18 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-18 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: PA

Complaint narrative:
Closed accounts do not belong to me. As you can see XXXX from 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 2025-06-18 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: MD

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 explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
My XXXX XXXX dropped over XXXX points due to my student loan servicer incorrectly reporting my account as delinquent, despite being enrolled in a forbearance/hardship plan since 2024. This is a reporting error that must be corrected immediately to restore my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
" Pursuant to 15 U.S.C. 6802 and 6803 of the Gramm-Leach-Bliley Act, I dispute the presence of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] on my credit report, as it appears to result from unauthorized sharing of my nonpublic personal information without proper notice or opt-out opportunity, or failure to provide clear and conspicuous privacy notices. I demand immediate investigation and removal of this account within 30 days, as its inclusion violates GLBA protections. Failure to comply may result in liability under 15 U.S.C. 6805, and I reserve all rights to pursue remedies through the CFPB, FTC, or federal court. ''

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 2025-06-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MA

Complaint narrative:
Dear CFPB : I am disputing a debt reported and collected by Jefferson Capital Systems, listed as a {$2300.00} XXXX account. I have no record of this account, and never entered into any agreement with XXXX or XXXX. 

Under FDCPA 1692g ( b ), I formally requested validation. XXXX failed to provide any legally sufficient documentsno signed agreement, no itemized account history, no XXXX XXXX or XXXX XXXX, and no proof of assignment or legal standing to collect in Massachusetts. 

Despite this, Jefferson continues to report this alleged debt, which violates : FCRA 1681e ( b ) ( accuracy requirement ), FCRA 1681s-2 ( b ) ( furnisher 's duty to investigate ), FCRA 1681i ( a ) ( 5 ) ( must delete unverifiable data ), and FDCPA 1692e ( 8 ) ( false or misleading communication to credit bureaus ).

This is compounded by XXXX XXXX  compliance failures, as XXXX is reporting without valid account-level documentation, and likely bypassing proper XXXX CDV verification procedures. 

Their continued reporting also violates Massachusetts General Laws Chapter 93 54A and Chapter 93A 2, which adopt and enforce FCRA compliance under state law. 

I am demanding full deletion of this tradeline from all credit bureaus. Legal precedent in Cushman v. TransUnion, Evantash v. GE Capital, and Dennis v. BEH-1 confirms that unverifiable debts must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-06-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute and file a complaint regarding a fraudulent and unverified debt that Receivable Management Company has reported to XXXX under my credit file. This account does not belong to me and appears to be a case of mistaken identity or potential fraud. 

In XX/XX/2025, I submitted a dispute and provided all supporting documentation demonstrating that this account was not mine. This same alleged debt was previously removed from another credit bureau following a similar dispute and a failure to verify its validity. Despite this, Receivable Management Company has now reinserted or initiated this tradeline on my TransUnion credit report without properly validating the debt as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

As of today, I have not received any documentation proving that this debt is valid, belongs to me, or that you are legally entitled to collect it. Instead, your continued efforts to report and collect on this unverifiable debt constitute : Violation of the FCRA for failure to conduct a reasonable investigation and for continuing to report unverifiable information ; Violation of the FDCPA for attempting to collect a debt without proper validation ; Re-aging or re-reporting of a removed tradeline, which is considered deceptive and unlawful. 

This fraudulent activity has negatively impacted my credit profile, potentially affecting my ability to secure housing, employment, and financing. I demand the immediate removal of this tradeline from TransUnion, and a formal written confirmation that no further collection efforts will be made on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MD

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX MD XXXX INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-06-18 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: MA

Complaint narrative:
In XX/XX/year> in XXXX XXXX XXXX XXXX portfolio recovery associate XXXX vs XXXX XXXX case was in my favor do to inaccurate or lack of information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The following hard inquiries put on my credit report not tied to any accounts nor was authorized by me. I have tried unsuccessfully with all three credit bureaus experian, transunion, and Equifax to have these removed, however to no avail. According to 15 us code 1681i I have a right to a fair reporting credit report please remove these inquiries from my credit reports immediately please thank you.

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 2025-06-18 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: EQUIFAX, INC.
State: OR

Complaint narrative:
The following hard inquiries put on my credit report not tied to any accounts nor was authorized by me. I have tried unsuccessfully with all three credit bureaus experian, transunion, and Equifax to have these removed, however to no avail. According to 15 us code 1681i I have a right to a fair reporting credit report please remove these inquiries from my credit reports immediately please thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OR

Complaint narrative:
The following hard inquiries put on my credit report not tied to any accounts nor was authorized by me. I have tried unsuccessfully with all three credit bureaus experian, transunion, and Equifax to have these removed, however to no avail. According to 15 us code 1681i I have a right to a fair reporting credit report please remove these inquiries from my credit reports immediately please thank you.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a formal follow-up regarding a previously disputed item that remains inaccurately reported on my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX This account is inaccurate, unverifiable, and was not authorized, and therefore must be removed immediately in accordance with your obligations under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am unable to manage or repay my loans properly due to MOHELAs repeated servicing failures. This includes late or missing billing statements, possible credit reporting errors, and a lack of access to real customer support. I may also have been wrongly billed despite eligibility for forgiveness or discharge. These issues have caused financial harm and confusion. Ive attached a full complaint letter with details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
The XXXX account was previously disputed and removed by Experian due to lack of verification. However, TransUnion continues to report the same unverifiable account. I requested verification and documentation per FCRA 609 and 611 and received no valid evidence or contract.

TransUnion is in violation of the FCRA for continuing to report a deleted, unverified account. I sent a formal dispute on XX/XX/year>, requesting immediate deletion. 

I am requesting that this account be permanently removed from my TransUnion file.

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 2025-06-18 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:
Subject : Formal Complaint Against TransUnion Fraudulent Accounts, Inquiries & Personal Information FTC Identity Theft Report # : XXXX Consumer : XXXX XXXX XXXX XXXX : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Complaint Statement : I am submitting this complaint to report TransUnion for its failure to remove fraudulent and inaccurate information from my credit file, despite having received the appropriate documentation. 

I have submitted a certified FTC Identity Theft Report ( # XXXX ), along with valid supporting identification including a copy of my drivers license, Social Security card, and proof of address. These documents clearly support that I did not authorize or initiate the accounts or inquiry listed below. 

Items That Must Be Removed Immediately : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Misused or incorrect date of birth Legal Grounds : Under the Fair Credit Reporting Act ( FCRA ), specifically : 604, consumer credit reports may not be accessed or altered without proper authorization.

1681i, credit reporting agencies must conduct a reasonable reinvestigation upon notice of a dispute, especially when accompanied by supporting documentation. 

TransUnion has failed to comply with these obligations.

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