vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
I am seeing inaccurate late payments still sitting on my credit report today, and I can not understand why they are still there. They did not disappear even after I refreshed my browser. I urgently need the documents I sent to be carefully reviewed so I can finally stop stressing over this.

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 2025-11-20 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:
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  XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6300.00}

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX Debt - debtednelnet I have recently pulled my credit report and notice that there is a collection of your agancy i didnt know i also notice that its over 7 years old. And addresses that dont corespond to me.This letter is to inform you I have a right to request a validation of this debt andbyour ability to collect this money from me. I ask that you proof that i am indeed the party who is contractually bond to pay this off this debt or stop collection activity and remove it all together. I do have signitures of all the forms i need I hope your legal staff will agree that non compliance with this request will result in serious legal trouble for your company. 

Sincerely- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-20 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: AL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this letter to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After reviewing my records, I obtained an official letter from the court confirming that this bankruptcy should not be reported to any credit bureau. Despite this clear evidence, the information continues to appear on my report, which is both concerning and misleading. The fact that this bankruptcy is still being reported, even after receiving confirmation from the court, represents a serious error that negatively impacts my creditworthiness and overall financial standing. 

Furthermore, it has come to my attention that an unauthorized third party appears to be involved in this matter, which raises additional concerns regarding the accuracy and integrity of the data being reported. I am deeply troubled by how my personal and financial information may have been mishandled or accessed without authorization. This issue deserves immediate attention to ensure my credit file remains accurate and compliant with federal reporting laws.

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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding a collection account that appears on my XXXX  credit report. Despite multiple attempts to contact the furnisher/collection agency to obtain verification of this debt and resolve the issue, I have not received any response. 
The details of the disputed account are as follows : Credit Bureau : XXXX, Collection Agency/Furnisher : Credit Control LLC/XXXX XXXX Account Number XXXX XXXX XXXX  Date noticed on Report XX/XX/scrub>XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverified information on my credit report. I have reached out to the collection agency on the following dates XX/XX/scrub>XXXX requesting validation of the debt. To date, I have not received any communication, documentation, or confirmation. 

Because the furnisher has failed to respond, I believe this account is either inaccurate, unverified, or being reported improperly. I am requesting that the CFPB assist in investigating this matter and ensuring XXXX  and the furnisher comply with all applicable federal regulations. I am also requesting that this collection account be removed from my XXXX  report if the furnisher can not be fully substantiated. This inaccurate reporting is harming my creditworthiness and causing me financial and personal hardship.

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 2025-11-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-20 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  XXXX XXXX # XXXX XX/XX/XXXX -- {$2600.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX  XXXX XXXX  # XXXX XX/XX/XXXX -- {$6300.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/1996 This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX BALANCE : {$320.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud. 
of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GVA Holdings, LLC
State: FL

Complaint narrative:
I received a {$600.00} installment loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The lender charged an APR of 698.09 %, which is exploitative and illegal in my state ( Florida ). The company is not licensed to lend in Florida and is operating as a tribal lender to evade state protections. 

I have already paid {$300.00}, which I believe is illegal interest. 

I am requesting that the CFPB : Investigate the companys lending practices Require the lender to refund amounts paid above the principal Void the remaining balance The lender has refused to provide verification of a legal license to lend in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I am filing this complaint because Equifax is reporting an unauthorized hard inquiry from XXXX  XXXX XXXX XXXX that I did not initiate or approve. I have never applied for credit, a loan, or any financial product with this institution. 

This inquiry was made without my knowledge, written authorization, or a permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ; 15 U.S.C. 1681b ), which only allows access to consumer reports for specific, lawful reasons.

I have already provided Equifax with proof of my identity including my government-issued ID, SSN verification, utility bill, and FTC Identity Theft Report verifying that this inquiry was unauthorized. Despite this, the inquiry remains on my credit file.

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), Equifax is required to block and delete any information resulting from identity theft within four business days after receiving an FTC report and proper verification documents. Equifax has failed to meet this obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
After reviewing my credit report, I discovered several hard inquiries that were placed on my file even though I did not submit any credit applications to those companies on the dates listed. These inquiries include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX There were no new accounts opened and I did not authorize these companies to access my credit report, yet the inquiries were recorded as hard pulls. Under the Fair Credit Reporting Act, a hard inquiry requires clear consumer authorization, and these companies have not provided any documentation proving that such authorization was given. These unauthorized inquiries have negatively impacted my credit standing and were never connected to any legitimate application or credit-seeking activity on my part.

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 2025-11-20 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: MI

Complaint narrative:
In 2018 I financed a solar system through GoodLeap for an installation performed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The system did not perform as represented, and the contractor later filed for bankruptcy. 

Because of performance and representation concerns, I sent a certified written dispute to XXXX on XXXX XXXX, 2025. XXXX acknowledged my dispute on XXXX XXXX 2025 and stated that they would complete a review and provide a determination within 30 days. 

By XX/XX/XXXX no determination was provided. On XX/XX/XXXXXXXX XXXX 2025 I granted GoodLeap an additional 10 business days to complete the review. This extension also passed without a determination. 

On XX/XX/XXXXXXXX XXXX 2025 GoodLeap emailed stating they needed more time, but did not provide any findings or resolution. On XX/XX/XXXXXXXX XXXX 2025 I sent a Final Notice informing them the review window had ended. 

Additional concerns : XXXX  XXXX filing on the solar equipment in Michigan has expired. 
A representative previously came to my home to shut off the solar system but could not provide documentation authorizing this. 
This visit occurred after my written dispute was submitted. 

The dispute remains unresolved. I am requesting CFPB assistance in reviewing XXXX handling of the dispute, the missed deadlines, and the lack of a completed determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-20 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:
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 # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$8700.00} UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-11-20 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:
The law mandates timely removal of disputed accounts.

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