vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-06-09 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: MO

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I am enrolled in a federal XXXX plan ( such as XXXX, XXXX, XXXX, or XXXX ), which sets my monthly student loan payments as a percentage of my discretionary income. However, I have reason to believe that Nelnet has miscalculated my monthly payment amount, resulting in amounts that exceed the limits set by federal guidelines, and placing an undue financial burden on me. 

These concerns mirror the claims made in the class action lawsuit XXXX v. Nelnet Servicing , LLC ( XXXX. XXXX, XXXX XXXX. XXXX ), which alleges that Nelnet grossly miscalculated repayment amounts under income-driven plans, violating federal law and borrower protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX days, it must be deleted immediately from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint due to Experian, Equifax, and TransUnion 's failure to correct and remove inaccurate personal information from my credit profile, despite having received lawful notice. 

I submitted certified mail with return receipt to all three credit reporting agencies demanding removal of all false, obsolete, or unverifiable personal data listed in their records. Specifically, I made clear that the only valid and authorized personal information that should appear on my report is : Name : XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX I also informed them that I do not live at any other address, have no current employment, and do not work for XXXX  or any other entity. Any addresses, employers, or variations of my name not explicitly listed above are to be considered unauthorized and unverifiable. 

This request was submitted in accordance with 15 U.S.C. 1681i ( a ) and 1681e ( b ) of the Fair Credit Reporting Act, which require the credit reporting agencies to ensure that all personal information is accurate and can be verified.

Despite having received and signed for my certified dispute notices, the agencies have continued to report incorrect personal data, which poses ongoing risk to my financial security, privacy, and creditworthiness.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) enforce the immediate removal of all inaccurate or unverifiable names, addresses, phone numbers, and employment data from my credit file, and ensure my legal right to an accurate credit report is upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and found several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify is accurate : XXXX XXXX ( Account Number XXXX XXXXXXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: IL

Complaint narrative:
I am filing this complaint because Equifax, continue to report inaccurate and unverifiable information on my credit report, despite multiple disputes submitted over 3 times. These credit reporting agencies are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires them to ensure the maximum possible accuracy of all reported information.

Additionally, they have failed to comply with FCRA Section 1681i, which mandates a proper reinvestigation of disputed items within 30 days. Instead, I have been met with repeated delays, lack of proper investigation, and continuous re-verification of the same inaccurate accounts. 

I am a recipient of government assistance and these inaccurate reports are directly affecting my ability to secure stable housing, access credit, and improve my financial situation. Their actions have caused me financial, emotional, and mental distress. 

They are also ignoring their responsibilities under FDCPA Sections XXXX by continuing collection efforts and reporting practices that are deceptive and harmful, especially to someone in my vulnerable financial position. 

This behavior may also violate 42 U.S.C. 407, which protects the rights and benefits of individuals receiving federal aid, by placing undue hardship through inaccurate credit reporting. 

I am demanding immediate deletion of the inaccurate accounts, a full reinvestigation under FCRA guidelines, and appropriate penalties or enforcement actions against the bureaus for noncompliance. 

these are the accounts I have continuously marked as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This 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 you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XX/XX/1986, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX  XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result 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 2025-06-09 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:
XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX  XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

Bankruptcy - This XXXX  XXXX XXXX  entry is inaccurate and incomplete. You have failed to properly identify the court 's full name, city, and state, as required under the Fair Credit Reporting Act ( FCRA ). Accurate and complete reporting is mandated, and your omission directly violates these standards. Furthermore, this bankruptcy has been officially discharged, yet it remains improperly listed. Your failure to verify and correct this information is a violation of FCRA Sections 1681b ( 2 ) and 1681s-2 ( b ), which outline your obligation to ensure maximum possible accuracy and to investigate disputes thoroughly. I hereby demand that this inaccurate public record be immediately removed from my consumer credit report. Continued reporting of this erroneous information is not only misleading but also a breach of federal law. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove. 

XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - Please remove.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
XXXX XXXX XX/XX/XXXX - {$410000.00} DPEDXXXX XXXX XX/XX/XXXX - {$7500.00} XXXX XXXX XXXXXX/XX/XXXX - {$28000.00} DPEDXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX - XX/XX/XXXX - {$1800.00} DPEDXXXXXXXX XXXX XXXXXX/XX/XXXX - {$5200.00} DPEDXXXX XXXX  XX/XX/XXXX - {$8900.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX  XX/XX/XXXX - {$2500.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$2000.00} DPEDXXXXXXXX XXXX XXXXXX/XX/XXXX - {$270.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$3400.00} DPEDXXXX XXXX  XX/XX/XXXX - {$2200.00} XXXXF - XX/XX/XXXX - {$99000.00} DPEDNXXXX - XX/XX/XXXX - {$10000.00} DPEDXXXX XXXX XX/XX/XXXX - {$3800.00} DPEDXXXX XXXX  XX/XX/XXXX - {$14000.00} DPEDXXXX XXXX XX/XX/XXXX - {$3000.00} DPEDXXXXXXXX XXXX XXXXXX/XX/XXXX - {$3700.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$4700.00} DPEDXXXX XXXX XX/XX/XXXX - {$9900.00} DPEDXXXX XXXX  XX/XX/XXXX - {$4200.00} XXXX XXXX XXXXXX/XX/XXXX - {$0.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$2600.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$7500.00} DPEDXXXX XXXX XX/XX/XXXX - {$4100.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$4700.00} XXXX XXXX - XX/XX/XXXX - {$4600.00} XXXX  - XX/XX/XXXX - {$4300.00} XXXX XXXX  - XX/XX/XXXX - {$17000.00} XXXX XXXX  - XX/XX/XXXX - {$23000.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$54000.00} XXXX/XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5400.00} XXXXXXXX XXXX XXXX XXXX XX/XX/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 response to consumer: Closed with non-monetary relief