vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-19 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:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
In 2014, I consolidated my federal student loans into a single Direct Consolidation Loan. After consolidation, the original underlying loans were closed and should no longer be reported as individual accounts. 

When my loan servicing was later transferred to Nelnet, they began reporting the seven original pre-consolidation loans as if they were still active. These are duplicate and inaccurate accounts that should not be on my credit report. 

Nelnet also reported a 30-day late payment across all seven of these incorrect accounts. This reporting is factually wrong because : These seven accounts should not exist individually after the 2014 consolidation, and My consolidation loan was in deferment during the time Nelnet marked as late. Loans in deferment can not be reported as late under federal guidelines. 

In addition, Nelnet has been adding random or inconsistent remarks to these inaccurate accounts every couple of weeks, which continuously lowers my credit score and creates the appearance of new negative activity. This ongoing reporting is damaging and misleading, and it does not reflect my true loan status. 

I have already disputed this with all three credit bureaus and with Nelnet directly, but the inaccurate duplicate accounts, the false late payment reporting, and the repeated remarks continue. 

I am requesting that the seven duplicate pre-consolidation accounts be corrected to reflect : Closed/paid through consolidation as of 2014, that all false late payment reporting be removed, and that Nelnet cease adding inaccurate or unnecessary remarks to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I write as a documented Georgia Pro Se victim of identity theft arising from the XXXX data breach. You are knowingly reporting false, fraudulent accounts in my file without authorization. That ends now. My Social Security Number and other personal data were compromised in the XXXX breach. I possess incontrovertible proof of SSN exposure. Consequently, my credit file is contaminated with accounts I did not open. Your deliberate failure to investigate, verify, and expunge these entries violate : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
a. 1681e ( b ) : Duty to maintain reasonable procedures to ensure maximum possible accuracy b. 1681i ( a ) : Duty to conduct a reasonable reinvestigation upon dispute c. 1681i ( 5 ) ( A ) : Duty to notify consumer of reinvestigation results in writing d. 1681c-2 : Mandatory expungement of identity-theft information 2. 15 U.S.C. 1681s-2 ( b ) : Furnishers duty after notice of dispute 3. Georgia Fair Business Practices Act, O.C.G.A. 10-1-390 et seq. 
4. Georgia Credit Reporting Security Freeze Act, O.C.G.A. 10-1-393 5. Georgia Unauthorized Use of Personal Identifying Information, O.C.G.A. 10-1-903 Under FCRA 1681i and Georgia Code, you must complete a documented, effective investigation of each disputed item, including : a. Verification from the original creditor with wet-ink signature on the application b. Copy of government-issued photo ID used to open each account c. Proof of my express written authorization to open the accounts d. Confirmation of account opening dates relative to the XXXX breach period e. Direct, signed affidavit from the original creditor ; no automated or cursory verifications Your obligations under FCRA 1681c-2 to expunge identity-theft information are absolute upon my written notice. Your prior letter admitting you couldnt expunge fraudulent entries constitutes either willful non-compliance or gross negligence of your statutory duties. I will use that refusal as evidence of willfulness to pursue punitive damages. I never authorized these accounts ; they are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized, No Wet Signature Hard Inquiries 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Transunion data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account 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

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts have no affiliation with me ; they must be taken down within 15 days as required by USC 1681g.

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 2025-11-19 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: NC

Complaint narrative:
I am disputing several items on my Experian credit report that appear to be inaccurate or incomplete. The details of the accounts in question are as follows : 1. Charged-Off 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 2. Late Payments : Dept of EducationXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 . Inquiries : None specified outside the Charged-Off accounts I am requesting a full investigation and correction or removal of any inaccurate items. I also request written confirmation of your findings upon completion.

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 2025-11-19 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: NJ

Complaint narrative:
All accounts were opened fraudulently by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts XXXX 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 Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-19 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Nothing happened at all, I tried on many occasions to get my credit report from Experian. I have provided all of the required documents, driver 's license, Medicare card, bank statement, certified letter from Social Security Administration, my Birth Certificate. I just don't know what else to do or who to turn to. In resolving this 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 2025-11-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: SC

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This account is not mine. I never authorized or opened this loan. I have previously disputed this account with the credit reporting agencies, but it continues to be reported on my credit report as a past-due auto loan with a high balance of {$9700.00}. I have requested that XXXX XXXX XXXX provide full validation, including the original signed contract or agreement showing that I am the legal owner. If they can not provide such documentation, the account should be permanently deleted from all credit reporting agencies, as reporting an unauthorized account violates my rights under the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ).

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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Collection Corporation
State: WI

Complaint narrative:
XXXX XXXX was called to transport me from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, WI to XXXX XXXX XXXX in XXXX, WI as I was diagnosed with XXXX on XX/XX/year>. I was not allowed to drive myself or get a ride as doctors wanted XXXX XXXX and XXXX available for transport. I was not given a choice of providers. XXXX XXXX was paid for their service {$1100.00} ( XXXX claim XXXX XXXXXXXX ) as allowed by WI State law. XXXX XXXX now claims an additional {$1400.00} is owed XXXX XXXXXXXX even though they have already been paid the maximum amount as covered by insurance XXXX and permitted by WI State law. This seems to be a duplicate charge for no good reason. They have already been paid. I spent 4 days in XXXX XXXX. It appears XXXX XXXX is gouging patients for additional fees for no apparent reason except profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
I am submitting this dispute to request correction of several inaccuracies on my TransUnion credit report. The items in question are as follows : 1. Charged-Off Accounts : XXXX XXXX XXXX  | Account : XXXX | Date : XX/XX/XXXX | Balance : {$640.00} XXXX XXXX XXXX Account : XXXX | Date : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX XXXX Account : XXXX | Date : XX/XX/XXXX | Balance : {$13000.00} XXXX | Account : XXXX | Date : XX/XX/XXXX | Balance : {$600.00} XXXX XXXXXXXX | Accounts : XXXX | Date : XX/XX/XXXX | Balance : {$1000.00} XXXX | Date : XX/XX/XXXX | Balance : {$1000.00} 2. Late Payments : XXXX XXXX | Account : XXXX XXXX XXXX XXXX | Account : XXXX XXXX | Account : XXXX XXXX | Account : XXXX 3. Inquiries : None listed I am requesting TransUnion to verify all disputed accounts and remove or correct any information that can not be verified. Please provide written confirmation of your investigation.

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