vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX continues to report an account that is time-barred under New Jersey law and therefore no longer legally enforceable. 

The account in question is being reported as a Charge-Off/ Derogatory with a balance of {$1500.00}. 

According to Discovers own reporting, the last payment and activity occurred on XX/XX/XXXX. Under New Jersey Statute N.J.S.A. 2A:14-1, the statute of limitations for open-ended credit such as credit cards is six ( 6 ) years. That limitation period expired in XX/XX/XXXX. 

Despite this, XXXX continues to furnish this account to Experian and XXXX  as an active Charge-Off, implying collectibility and ongoing delinquency. This conduct constitutes unlawful and misleading reporting of a time-barred debt. 

2. Violations of Federal and State Law A. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681e ( b ) Failing to assure maximum possible accuracy by continuing to report an obsolete, time-barred account.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Knowingly furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681s-2 ( b ) Failing to correct or delete inaccurate information after consumer dispute.

B. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt. 

C. New Jersey Law N.J.S.A. 2A:14-1 Establishes a six-year limitation for enforcement of credit card debt.

Once that period has passed, the debt is legally unenforceable. Continuing to report it as collectible violates both state and federal consumer protection laws. 

3. Harm to Consumer This illegal reporting has : Damaged my creditworthiness, preventing fair access to credit. 

Negatively affected my financial reputation and character. 

Caused emotional and financial distress through continued furnishing of obsolete 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 2025-10-18 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: NJ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX continues to report an account that is time-barred under New Jersey law and therefore no longer legally enforceable. 

The account in question is being reported as a Charge-Off/ Derogatory with a balance of {$1500.00}. 

According to Discovers own reporting, the last payment and activity occurred on XX/XX/XXXX. Under New Jersey Statute N.J.S.A. 2A:14-1, the statute of limitations for open-ended credit such as credit cards is six ( 6 ) years. That limitation period expired in XX/XX/XXXX. 

Despite this, XXXX continues to furnish this account to XXXX  and Equifax as an active Charge-Off, implying collectibility and ongoing delinquency. This conduct constitutes unlawful and misleading reporting of a time-barred debt. 

2. Violations of Federal and State Law A. Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681e ( b ) Failing to assure maximum possible accuracy by continuing to report an obsolete, time-barred account.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Knowingly furnishing inaccurate information to consumer reporting agencies.

15 U.S.C. 1681s-2 ( b ) Failing to correct or delete inaccurate information after consumer dispute.

B. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt. 

C. New Jersey Law N.J.S.A. 2A:14-1 Establishes a six-year limitation for enforcement of credit card debt.

Once that period has passed, the debt is legally unenforceable. Continuing to report it as collectible violates both state and federal consumer protection laws. 

3. Harm to Consumer This illegal reporting has : Damaged my creditworthiness, preventing fair access to credit. 

Negatively affected my financial reputation and character. 

Caused emotional and financial distress through continued furnishing of obsolete information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting to formally dispute inaccurate information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i. The information reported regarding the following account is incorrect and is adversely affecting my credit standing. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$150000.00} This account is inaccurately reported as having late payments. According to my records, all payments have been made as agreed, and there is no history of late payments on this account. The erroneous reporting of late payments is a violation of FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
I am disputing this hard inquiry as fraudulent. I did not authorize any credit application with this company. My personal data was compromised in recent nationwide identity theft and data breach cases affecting major financial institutions. I request this inquiry be deleted from my credit report in accordance with FCRA 605B and related CFPB guidance on identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX  # XXXX XX/XX/XXXX -- {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ray Klein, Inc.
State: CA

Complaint narrative:
Professional credit services Amount owed {$830.00} Put me into collection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: DISCOVER BANK
State: AZ

Complaint narrative:
On or about XX/XX/year>, Discover Bank placed a hard credit inquiry on my XXXX  credit report without my authorization or consent. I filed a prior CFPB complaint ( Case # XXXX ) regarding this inquiry. Discover responded, confirming the inquiry was fraudulent and stated they would update it to a soft inquiry. Despite this, Discovers unauthorized reporting caused harm to my credit and emotional distress. I am now formally pursuing statutory damages under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and have served a Notice of Intent to Sue demanding {$1000.00}. I am requesting CFPB review this unresolved matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED 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 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 2025-10-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXXMOHELA and their attempts to collect payments related to a contract I am disputing. 

Details of the Complaint : Contract/Agreement : Services Agreement dated XX/XX/XXXX between myself, XXXX XXXX, and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
Nature of Dispute : I previously submitted a written insolvency notice to XXXX on XX/XX/XXXX, explaining my inability to fulfill the payment obligations under the contract. XXXX has failed to address the breach of contract in accordance with the Agreements terms, and XXXXMOHELA continues attempts to collect payments. 
Breach of Contract : The Agreement allows termination in cases of financial insecurity, insolvency, or breach ( Section 11 ( b ) ), which applies to my situation. Despite this, collection activities have continued. 
Request for CFPB Assistance : I am requesting that the CFPB intervene to stop all collection attempts, investigate the matter, and ensure that my rights under the Agreement are respected. 

I have attached any supporting documentation, including the original contract, my insolvency notice, and any communications from XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-18 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX. # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-10-18 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: VA

Complaint narrative:
I am writing to formally address a serious issue that came to my attention while attempting to rent an apartment. During the application process, I was informed that there are reported damages listed on my consumer report. These reports are inaccurate, misleading, and have resulted in harm to my reputation and rental prospects. 
According to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S. Code 1681, I have the right to a fair, accurate, and fully verified consumer report. To my knowledge, there should be no such damages associated with my name. The inclusion of this false information constitutes not only a violation of my rights under federal law but also a defamation of my character. 
Additionally, I was previously alerted to potential Social Security risks and possible fraudulent inquiries on my report. Despite making formal requests to have those suspicious activities blocked or flagged, no such action was taken. The failure to act on these alerts is a breach of the duty to protect consumer information and prevent identity-related fraud under the same statute. 
This mishandling of my personal data and the dissemination of inaccurate information has caused both financial and emotional distress. I am formally requesting an immediate investigation into these matters, removal of all false or unverifiable information, and confirmation that my concerns regarding identity theft and fraud are being properly addressed. 
I reserve the right to pursue all legal remedies available under federal and state law for the harm caused by these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TN

Complaint narrative:
I was locked up in XX/XX/year> an I found out about XXXX and that's when I told them to freeze my account, an they never did, so now when I ask them about my money they give me the runaround an now they will not let me bc in my old account, my password has been changed when it wasn't me, but now they let me log i. To a new account and I need my old account back an my money. MONEYLION IS THE BANK AN MY MONEY WAS I. MY ROAR MONEY ACCOUNT

Company response to consumer: Closed with explanation