vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I obtained a loan through XXXX XXXX XXXX XXXX they have now turned it over to National Credit Adjuster . Now they are sending threatening emails and will not provide me with verification of the debt. I asked them to send the information over to me and they stated I need to pay a fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate information on my credit report due to identity theft. I previously filed an identity theft report and notified the credit reporting agencies of the fraudulent accounts. Despite providing the necessary documentation, the disputed information remains on my credit report. 

I also contacted the company that is reporting the inaccurate information and requested that they verify its accuracy, but they failed to respond appropriately or conduct a proper investigation. This is causing ongoing harm to my credit and I am requesting that the Consumer Financial Protection Bureau assist in having this information removed.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the company to investigate the validity & accuracy of the negative information on my report & they failed to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am going through a deeply upsetting situationmy credit report is reflecting multiple accounts, inquiries and Bankruptcy that are completely unfamiliar to me, that I never opened. I never applied for them, I never approved them, and I have absolutely no relationship with these accounts in any form. This is not just an errorthis is a direct result of identity theft, and it is severely affecting my personal life, my peace of mind, and my ability to move forward. 
The presence of these fraudulent entries is alarming, and I am extremely worried about the long-term damage they are causing to my credit and reputation. I need urgent help to put an end to this. Below is a list of the fraudulent accounts currently harming my credit report : XXXX XXXX Card-Opened in XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Credit Card-Opened in XX/XX/XXXX XXXX XXXX XXXX XXXX-Family Support - Opened in XX/XX/XXXX ; XXXX XXXX-Personal Loan-Opened in XX/XX/XXXX ; XXXX XXXX XXXX XXXX Mortgage - Opened XXXX XX/XX/XXXX ; Chapter XXXX XXXXOpened in XX/XX/XXXX ( Reference # XXXX, Reference # XXXX, Reference # : XXXX ). The following inquiries also appear to be connected to the identity theft : XXXX, inquired on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXXXXXX, inquired on XX/XX/XXXX ; XXXXXXXX XXXX, inquired on XX/XX/XXXX. XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX inquired on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX BANK, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX BANK XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX inquired on XX/XX/XXXX ; XXXX XXXX, inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX inquired on XX/XX/XXXX ; XXXX inquired on XX/XX/XXXX ; XXXX XXXX, I, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX ; XXXX, inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX, inquired on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-01 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: NV

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters is reporting a debt on my credit reports, including XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX, I disputed the account with XXXX. They responded that the account was verified. About XXXX weeks later, I received a copy of the original contract from the lender in the mail from National Credit Adjusters. However, this does not prove that NCA owns the debt or has any legal right to collect or report it. 

On XX/XX/XXXX, I sent NCA a certified letter requesting a method of verification and a copy of the purchase agreement or chain of title. The company received and signed for it on XX/XX/XXXX ( signed by XXXX XXXX ), though the received date was incorrectly written as XX/XX/XXXX. 

At the same time, I filed a complaint with the CFPB. On XX/XX/XXXX, NCA responded to the CFPB that they were reviewing the issue and requested more time. I gave them that time. Eventually, they sent me the same original contract again not the documentation I requested showing legal ownership or assignment of the debt. 

On XX/XX/XXXX, I filed a second CFPB complaint stating that they had still not complied with my request. On XX/XX/XXXX, NCA sent me a letter confirming receipt of my XX/XX/XXXX complaint but again provided only the original contract and a copy of my credit report. No purchase agreement, chain of title, or assignment documentation has ever been provided. 

Around XXXX XXXX, I submitted a second dispute to XXXX including all my supporting documentation. That dispute is still pending. I also submitted a complaint to the Texas Attorney XXXX XXXX and received confirmation that it was received. 

To date, National Credit Adjusters has failed to properly validate the debt, yet continues to report it to all three credit bureaus. This is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act I am requesting a full investigation and that this account be removed from all credit reports due to XXXX failure to provide legally required proof of ownership or authority to collect or report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-07-01 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within XXXX business days. Please notify me of the actions taken in response to this request.

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 2025-07-01 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: MS

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 2025-07-01 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: MS

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 non-monetary relief
Consumer complaint received 2025-07-01 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 inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AR

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

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 2025-07-01 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-01 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: EdFinancial Services
State: GA

Complaint narrative:
These Universities are liars, about tuition, grades, transfer credits, graduation, promise jobs I HAVE REPORTED THESE DISPUTES TO THE XXXX XXXX XXXX ABOUT THESE HARD INQUIRIES AND THE ED-FINACIAL STUDENT LOANS FROM THE UNIVERSITIES THAT I ATTENDED. THE MISLEADING, MISAPPROPRIATION, LYING ABOUT TRANSFER CREDITS, TUITION, JOBS AFTER YOU GRADUATE, LIED ABOUT THE EACH CREDIT, NO CERTIFIED PROFESSORS, FALSE ADVER-TISEMENT, I HAVE XXXX IN SCHOOL LOANS AND THE CLOSED ACCOUNTS THAT ARE STILL ON MY CREDIT REPORT. 
XXXX, XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX  XXXX I DEMAND THEM TO BE TAKEN OFF MY CREDIT REPORT. THOSE SCHOOL LOANS HAVE MADE ME A VICTIM. 
( Note : This statementThe years of XXXX until XXXX

Company response to consumer: Closed with explanation