vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am requesting a reinvestigation of the following inaccurate and outdated information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

Personal Information Correction Please delete outdated identifiers and employers : Old addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXXXXXX and XXXX XXXX XXXX XXXX FL XXXXXXXX Old employers : XXXX, XXXX ( no longer current ) My correct current information is : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : Self-Employed Account Dispute XXXX ( Acct. # XXXXXXXX XXXX XXXX XXXX XXXX ) This account is being reported as 120 days past due, which I believe to be inaccurate. 
Please provide documentation verifying this status, including the original creditors records and payment dates. 
If verification can not be obtained, please update or remove this entry per 1681i ( a ) ( 1 ) ( A ).

Please notify me in writing of the results within the 30-day FCRA reinvestigation window and include an updated copy of my credit report. 
Thank you for your prompt handling of this matter.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: CA

Complaint narrative:
I AM A SMALL BUSINESS OWNER. I HAVE BUSINESS OF NOTARY PUBLIC, LIVE SCAN XXXX SERVICES. MY XXXX OFFICE AREA IS XXXX SQUARE FEET, AND I AM THE ONLY 1 PERSON WORKING AT THE OFFICE, A VERY SMALL PLACE. I STARTED MY BUSINESS IN XXXX. I have had XXXX FROM THAT TIME. I STILL HAVE XXXX AND I'M PAYING MY BILL ON TIME EACH MONTH, ALMOST 1 YEAR BEHIND DUE TO SLOW SPEED. I CONTACTED XXXX ABOUT THAT SOMEONE SUGGESTED I TO HAVE AN EXTRA MODEM AND CLEARLY TOLD ME WHENEVER YOU DON'T FEEL THE EXTRA MODEM IS WORKING FOR YOU, YOU MAY DISCONNECT THEY START CHARGING ME FOR EXTRA MODAM WICH I WAS FINE THEN I CANCELLED EXTRA MODEM AND THEY TRY TO COLLACT ME MONEY FOR EXTRA MODEM I KEEP CALLED AND EXPLAIN TO XXXX I AM USING STILL XXXX I JUST DISCONTNUE EXTRA MODEM I DONT HEAR FOR WHILE NO LETTER NOT COMMUNICATION MY ADRESS WAS SAME AND I STILL HAVE XXXX IN MY OFFICE OUT OF THE BLUE I RECIVED A CALL ON XXXX AND GENTEL MAN CALLED FROM XXXXDISRESPECT FUIS VERY AGGRASIVE AND WHEN I TRY TO ASK HIM WHO ARE YOU WHY YOU CALLING ME ON MY PERSNOL CELL PH HE GET DISRECPECT FLL AND HANG UP ON ME YESTERDAY XXXX XXXX XXXX SEND ME EMAIL TO CONTACT WITH HIM IMMIGATLY I REPLY HIS E MAIL AND ASK WHY HE IS TRYING TO CONTACT ME AND CLEARLY MENTIONED NOT TO CALL MY PERSNOL NUMBER I PROVIDED HIM OFFICE NO TO CALL BUT HE KEEP CALLING MY PERSNOL NO AND HARRASING ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

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 2025-10-29 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-29 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:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. I am submitting this request under federal law 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ). I provided my Certified Victim Determination documentation, proof of identity, Social Security number, and current address. Under these laws, TransUnion is required to block and permanently remove all information resulting from XXXX-related coercion and identity theft. 

The following information was created or used without my authorization and must be removed from my TransUnion credit file : ADDRESSES TO DELETE : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX XXXX EMPLOYERS TO DELETE : EMPLOYER - XXXX XXXX XXXX - 1099 ACCOUNTS TO BLOCK : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} HARD INQUIRIES TO REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This information was added under coercion and without my valid consent. Under FCRA 605C and 605B these items must be blocked and permanently removed. I request written confirmation once removal is complete and assurance these items will not reappear.

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 2025-10-29 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: MD

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 2025-10-29 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
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 2025-10-29 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: SC

Complaint narrative:
Back in XXXX I was experiencing homelessness and during that time I lost my phone and my bookbag with my wallet and ssn card and cards and money and personal info and all my personal information and papers someone went into my account and send money to different people and send money to me on XXXX but my XXXX  got hacked and I told XXXX and chime that chime still not heloj g me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I disputed multiple inaccurate missed payments reported by XXXX XXXX that damaged my credit. I also reported fraudulent charges and followed up several times by phone. Although XXXX XXXX later issued credits and confirmed the resolution in writing, they have not corrected or updated the negative information with the credit bureaus. I have documented evidence, including recorded phone calls, showing that the account was disputed, resolved, and credited. I am requesting that XXXX XXXX notify the credit reporting agencies to remove the inaccurate late payment history and reflect the account as current and in good standing.

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 2025-10-29 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:
This is identity theft I did not open these accounts. Please remove accounts immediately. Ive sent the updated police report. 
XXXX XXXX included XXXX XXXX  STATED ON XX/XX/XXXXXXXX XXXX XXXX CHARGED {$300.00}. ON XX/XX/XXXX CHARGED {$13000.00} FROM XXXX XXXX. ON XX/XX/XXXXXXXX XXXX XXXX WAS CHARGED FOR {$670.00}. 


ON XX/XX/XXXX {$1100.00} XXXX XXXX XXXX WAS CHARGED AS WELL. ALL CHARGES ARE UNAUTHORIZED BY XXXX XXXX DID NOT WANT IC3.GOV JUST A REPORT NUMBER FOR THE BANK. INCIDENT NUMBER PROVIDED.

RP CALLED BACK AT APPROX 134SHRS WITH A REVISED FRAUDULENT CHARGE LIST. 

XXXX XXXX WAS CHARGED ON XX/XX/XXXX FOR {$13000.00} LAST FOUR ARE XXXXXXXX XXXX XXXX XXXX CHARGED ON XX/XX/XXXX FOR XXXX LAST XXXX ARE XXXX. XXXX XXXX CHARGED ON XX/XX/XXXX FOR {$300.00} LAST FOUR ARE XXXX. XXXX XXXX OPENED ON XX/XX/XXXX FOR {$410.00} CARD # XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX OPENED ON XX/XX/XXXX FOR {$5000.00}. XXXX ON XX/XX/XXXX FOR {$40000.00} LAST FOUR ENDING XXXX. XXXX ON XX/XX/XXXX FOR {$42000.00} LAST FOUR ENDING XXXX. 

Remove these accounts immediately. Police report see attached.

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 2025-10-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting a complaint regarding Experians mishandling of a dispute for an inaccurate account reported by XXXX XXXX XXXX. The account is being reported as unpaid or charged-off despite my financial obligation being fully satisfied through GAP insurance following a total-loss event. 

Verified Facts : GAP claim filed : XX/XX/year> Vehicle picked up by XXXX : XX/XX/year> GAP check issued : XX/XX/year> for {$13000.00}, payable to XXXX XXXX XXXX confirmed over the phone that the payment was paid in full and cashed on XX/XX/year> Vehicle auctioned : XX/XX/year> XXXX was effectively paid twice, once via GAP and again from auction proceeds XXXX previously claimed the original caseworker was terminated and could not locate the payment, which is false This account does not appear on my XXXX report, further demonstrating the inaccuracy and unreliability of its reporting to Experian I have never had a repossession, yet this inaccurate reporting has harmed my credit for six years. XXXX has a documented history of mishandling GAP claims, wrongful repossessions, and misrepresenting consumer protections, including CFPB fines. 

I submitted disputes with Experian and provided supporting evidence, including timelines and XXXX confirmation, but the dispute was denied or marked unable to honor request. Even mailed in evidence has gone unacknowledged. I have attempted to upload additional supporting documents, but the system will not accept them.

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 2025-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I keep trying to pay my student loans but my payment keep getting rejected.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues within the Zelle platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle has failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users such as myself vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 2025-10-29 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation