vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Experian, Equifax, TransUnion, XXXX XXXX, and XXXX XXXX are reporting inaccurate, misleading, and unverifiable negative information on my credit report in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ).

I have disputed these items directly, provided documentation, and the companies have failed to correct or delete the false data. I am requesting full deletion of the inaccurate tradelines. Supporting documents are attached. 


I also would like to add XXXX XXXX and XXXX XXXX  as companies as it would not allow me to add them, however, I was unsure if I needed to, so I opted to just include the XXXX pertinent reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, Equifax, TransUnion, XXXX XXXX, and XXXX XXXX are reporting inaccurate, misleading, and unverifiable negative information on my credit report in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( a ).

I have disputed these items directly, provided documentation, and the companies have failed to correct or delete the false data. I am requesting full deletion of the inaccurate tradelines. Supporting documents are attached. 


I also would like to add XXXX XXXX and XXXX XXXX  as companies as it would not allow me to add them, however, I was unsure if I needed to, so I opted to just include the XXXX pertinent reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have sent XXXX letters to Equifax concerning inaccuracies in several data points the first in XX/XX/year> and the XXXX  in XX/XX/year>. Equifax has constantly stalled and asked for verification of identity that I have sent from the onset. Drivers license, Passport, and proof of address as a bank statement was provided each time. They have violated my rights under FCRA laws XXXX XXXX XXXX XXXX XXXX XXXX  and this has caused significant damage to my consumer report and financial life as I haven't been able to access credit to create income for myself and family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
i received an amex gift card as a gift. i used {$48.00} and change out of the {$100.00} gift card today. i tried adding it to my XXXX pay account and it declined. instead of being like any other gift card or credit card and declining but letting me use it elsewhere, the card was put on hold. amex told me to wait XXXX hours and if it doesn't get off hold they XXXX need to issue me a new card. they don't explain why a declined transactions places the card on hold. i have read terrible reviews about this gift card and the company continues to sell them. if i can't use the gift card balance of {$51.00}, i would just like a check from amex. it is a waste of money to receive a gift and not be able to spend it. i dont want to lose the {$51.00}. i don't trust that amex will fix the issue. since this continues to happen and people say that card gets left on hold for weeks and amex tells them there is nothing they can do. why sell a product if a consumer can't use the money? that makes no sense and it's not ethical. money should be spent how the person chooses to by making purchases with the gift card. not having a now useless gift card that can't be spent after it gets put on hold. amex knows they have an issue with gift cards that they can't fix. they told me in 2 days if it is still on hold they have to issue a new card. that makes no sense. so they know about this issue and just continue to tell consumers that they have to re issue another gift card to spend it. I've never had an issue with any other gift card in my life and i get gift cards as often. thank you in advance for handling this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Company : Equifax Information Services LLC Type : Credit reporting / Incorrect information on your credit report Complaint : I am submitting this complaint regarding multiple unauthorized and duplicate hard inquiries on my Equifax credit report. Despite my attempts to correct these errors, Equifax has failed to provide verification that these inquiries were made with my explicit written consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

These inquiries are negatively affecting my credit score and financial opportunities. I am requesting that the CFPB intervene to ensure Equifax provides proof of authorization for each inquiry. If proof can not be provided, I request immediate removal of all inquiries listed below : XX/XX/year> XXXX XX/XX/year> 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
XXXXThis complaint is attached to previous complaint XXXX XXXXWhat 3rd loan? \nThis is fraud, this is harassment!\nThere is only 2 loans per information per government that would hold any loan information for higher education. The debt that shows defaulted is a balance of amounts collected in payments and tax offsets that has not been applied to the outstanding balance and after years of tax offsets and release of debt and taxes being received for many years now threatening letters state a threat of another judgment I believe this as a legal matter  referred to as XXXX XXXXXXXX XXXX XXXX dipping a loanXXXX XXXX XXXX amount was disbursed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXayment made to Educational Credit Management Corporation(ECMC) XXXX XXXX XXXX for tracking purpose so bank can notate XXXX XXXX XXXX XXXX banking deposit information incase needed XXXX XXXX XXXX XXXX XXXXTotal amount paid back for (2) federal student loans was \XXXXThere is 2 loans I went to school for 2yrs each loan is for a year term at school. Per Federal student aid gov the total amounts of any federal loans was XXXX  have seen so much government information being changed and altered since XXXX  and I see it changed and altered on government studentaid.gov as well as credit reports. The payments that were made have never been applied toward the loan on student aid government \n\nI will attach documents for proof of fraud actions and fraud credit reporting altercations that have been made for the companies involved for their own person gain.  \n\nWhen I worked in several plus collections agencies many years ago all their letter head letters mailed to people always listed the collection agency name and address information not a client. College Assist- Colorado College Assist shows per public information as a closed company and their mailing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  per website for Educational Credit Management Corporation(ECMC) it shows College Assist as a client as well as a few others with their logos on their page. This student loan matter was very unprofessionally handled and money funds are being held and submitted toward a loan on government website. Now threats of another judgement after US Department has released the prior judgement.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this dispute to address several discrepancies found on my credit report across the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( TU ). Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : [ Account Name ] Account Number : [ Account Number ], Account Date : [ Account Date ], Balance : [ Balance ] Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
My student loans for graduate school have been sold 3 or 4 times and the balance currently showing is more than I actually borrowed. I have received no communication. There is currently a class action law suit against MOHELA and I want these loans added to the current class action lawsuit. Our government is destroying US with all of this financial abuse of power.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
my lease is with XXXX XXXX XXXX from date XX/XX/year> to present. I have been asking for a payment due date change from the life of the lease, from the first payment. They refused and continued to charge me late fees even though I have requested to have the date changed. I actually begged several times via customer service. I told them from the date of the lease that I get paid on the XXXX of every month. I am on social security. They said they can't change the payment date util I have 3 months of consecutive on time payments on the first of every month. For 2 years they have been changing me late fees of XXXX per month in which has causes me severe stress and financial problems. My payment history will show from the date of the lease my payment have been made between the XXXX and the XXXX of every month. They would call me nonstop back-to-back all day harassing me for the payment. I recently spoke to a CSR and she said that they would not call me anymore but it's nothing she can do in regard to changing the payment day in which I have been requesting from the life of the lease.

Company response to consumer: Closed with explanation