vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$25000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-19 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: OH

Complaint narrative:
I sent four rounds of dispute letters to Trans Union Experian and Equifax all dispute letters had laws that can get my dispute deleted automatically. Nothing has changed. I even had a letter sent back. I sent off letters on XX/XX/XXXX. Nothing still updated. I even reported to you guys in XXXX about the issues that Im having with the credit bureaus and you said that they will respond back they never did they didnt do anything

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 2025-08-19 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: MI

Complaint narrative:
RE : Complaint Against TransUnion LLC Willful FCRA Violations, Inaccurate Reporting, Non-Investigation, and Request for Monetary Relief Dear CFPB Representative, I am filing this complaint against TransUnion LLC for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ). Specifically, they have reported false late payment information and failed to conduct reasonable investigations after I disputed the accounts. 
Accounts in Question : - XXXX ( Secured Credit Line ) Account # XXXX * * * * Nature of Violations : 1. Inaccurate Reporting Across Bureaus ( 607 ( b ), 15 U.S.C. 1681e ( b ) ).

2. Failure to Conduct Reasonable Investigation ( 611, 15 U.S.C. 1681i ).

3. Identity Theft / Unauthorized Reporting ( 605B, 15 U.S.C. 1681c-2 ).

4. Furnisher Liability ( 623, 15 U.S.C. 1681s-2 ).

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carmichael & Frost LLC
State: NJ

Complaint narrative:
I recieved an email on XX/XX/XXXX and an email and text on XX/XX/XXXX saying I owed money and yhat a freeze was placed on my bank account and they were going to arrive unannounced to collect assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing this formal complaint against LVNV Funding for unlawful reporting two negative items on my credit file in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

These collection accounts are currently preventing me from securing a home for my family. The debt collector has : Failed to Provide Written Notice Under FDCPA 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication, including the amount of the debt and my right to dispute. I never received such notice. This omission is a direct violation of the FDCPA.

Failure to Validate the Debt Case law has established that merely placing a tradeline on a consumers credit report without proper validation constitutes deceptive collection activity. In Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ), the court ruled that reporting a debt to a credit bureau without first validating it violates the FDCPA.

Lack of Authorization / Permissible Purpose Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized [ Debt Collector Name ] to access or furnish information about me. Absent my consent or a legitimate business purpose, their reporting is unlawful.

Identity Theft & Blocking Rights Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, their tradeline qualifies as unauthorized and must be blocked.

Deceptive and Abusive Collection Tactics The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. This is exactly what has occurred in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Mohela Accounts : XXXX To Whom It May Concern, I am writing to formally request review and dismissal of my student loan obligations currently serviced by the Missouri Higher Education Loan Authority ( MOHELA ). My request is based on ongoing federal and state regulatory investigations and pending litigation, including class actions regarding PSLF administration and loan servicing practices, that directly implicate MOHELAs ability to manage borrower accounts fairly and lawfully. 

MOHELA has been accused in multiple recent lawsuits and regulatory actions of : Failing to properly process Public Service Loan Forgiveness ( PSLF ) applications. 
Overcharging borrowers and misreporting account information.

Continuing collection activity despite Department of Education discharge approvals.

Engaging in deceptive or obstructive practices that have harmed borrowers rights. 


These failures are currently the subject of both class action lawsuits ( e.g., PSLF class action ; XXXX XXXX MOHELA ) and consumer protection litigation ( e.g., XXXX  v. MOHELA ), as well as ongoing investigations by state attorneys general and congressional oversight committees. 

Because these practices may directly affect the accuracy, legality, and enforceability of my own loan account, I respectfully request that : 1. My loans be reviewed for discharge and dismissed immediately in light of the investigations and lawsuits. 
2. Collection activity and negative credit reporting be immediately suspended pending the resolution of these matters. 
3. I be provided with a written response confirming receipt of this request and outlining the next steps in the review process. 


I have acted in good faith as a borrower. However, the mounting evidence against MOHELA shows systemic misconduct that has already been deemed sufficient to warrant federal and state action. Continuing to hold me accountable under these circumstances would be unjust. 

I request this letter be placed in my official borrower file and that it be escalated to the appropriate compliance and legal departments. Please confirm in writing that my request has been received and is under review. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Mohela Loan : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: SUN LOAN COMPANY INC.
State: CA

Complaint narrative:
Sunloan company has been asked to not contact my place of employment as we are not allowed to take personal calls, its against our policy. They have ignored that and are going to get me terminated if calls do not stop. They call from all different types of number not even associated with Sunloan. They are abusing their ability to contact me when I provided my contact information in the original loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Formal Complaint Letter to the CFPB To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX [ Or submit online : https : //www.consumerfinance.gov/complaint/ ] From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Subject : Violation of Gramm-Leach-Bliley Act and Improper Credit Reporting Request for Immediate Deletion Dear Consumer Financial Protection Bureau , I am filing this formal complaint to report that several creditors and data furnishers have reported information about me to the three major credit reporting agencies XXXX XXXX, and XXXX  without first providing me, the consumer, with the clear and conspicuous privacy notice and opt-out opportunity required under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code XXXX. 

These companies failed to give me the legally mandated notice disclosing how my nonpublic personal information would be used or shared with third parties, including credit bureaus. Furthermore, I was never given CLEAR CONSPICUOUS NOTICE or afforded the opportunity to opt out of this information sharing. 

The following accounts have reported data to the credit bureaus listed below such as Payment History, Balance, Dates Reported and dates of Last Activity in which violates my privacy. : Accounts Reporting to XXXX  : CREDIT ACCEPTANCE CORP XXXX XXXX XXXX  XXXX XXXX Accounts Reporting to XXXX  : CREDIT ACCEPTANCE CORP XXXX XXXX XXXX  XXXX XXXX Accounts Reporting to XXXX  : XXXX CREDIT ACCEPTANCE CORP XXXX XXXX XXXX  Legal Basis : Under the Gramm-Leach-Bliley Act, financial institutions must : Provide consumers with a clear and conspicuous notice explaining data collection and sharing practices ; Give consumers a reasonable opportunity to opt out before sharing personal data with non-affiliated third parties. 

None of the above-listed entities provided me with such a notice or opt-out opportunity, which constitutes a direct violation of federal law. These actions may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which governs the accuracy and fairness of consumer information used in credit decisions. 



Requested Resolution : I am formally requesting that the CFPB : Investigate these creditors for failure to comply with GLBA and FCRA requirements ; Direct XXXX XXXX, and XXXX  to remove these accounts, and especially any negative or derogatory information, from my credit profile ; Provide me with confirmation that these violations have been addressed and remedied. 



Governing Statutes : Gramm-Leach-Bliley Act ( GLBA ) 15 U.S. Code XXXX Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 et seq. 



Thank you for your time and attention to 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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has repeatedly denied my request to have information blocked on my credit report and are not in compliance with FCRA 605C - one of the reasons CFPB recently filed a lawsuit against this reporting bureau. They are playing with my life and causing me a multitude of problems. As a consumer the highest level of person one may speak to is an hourly employee- most of which are rude and without solutions to fix real problems. I am asking the CFPB to formally halt the operations of Equifax until they can operate like a respectable bureau and in accordance with the laws that have been established by Congress. This is not my first complaint - but is close to being in the double digits on the same issue that is never addressed nor fixed. Please help in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXXThese are unauthorized inquiries XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$20000.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$710.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-19 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
This complaint concerns the XXXX account # XXXX XXXX XXXX XXXX  that is being reported on my credit reports by the original creditor ( XXXX ) to XXXX, Equifax, and XXXX. 




Inaccurate and Contradictory Reporting XXXX is reporting this account with serious inconsistencies across the credit bureaus : Date of Last Activity : XXXX  : XX/XX/XXXX | XXXX  : XX/XX/XXXX | Equifax : XX/XX/XXXX Account Type : XXXX  : Travel/Entertainment Card | XXXX  : Mortgage | Equifax : Real Estate/Public Accommodations Delinquency Status : XXXX  : 120 Days Late | XXXX  : 180 Days Late | Equifax : 120 Days Late This account has also carried multiple negative marks ( 30, 60, 90, 120, and 180 days late ) in past reporting. Yet the data does not match from bureau to bureau. This violates the accuracy requirements under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ).

Military Protections Ignored The account is flagged as Active Military Duty/ Recalled to Duty. XXXX XXXX XXXX, I am protected under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 39014043 ). Despite this, XXXX has continued to report me as severely delinquent, without showing compliance with the protections the law requires. 




Past Disputes I have disputed this account before. The CRAs dismissed my disputes without resolving the contradictions. Simply accepting a furnishers automated verified response is not a reasonable investigation under FCRA 611 ( a ).

Formal Requests ( FCRA Rights ) 609 ( a ) : I request the original contract and account-level documents.

611 ( a ) ( 1 ) ( A ) : During reinvestigation, unverified information must be deleted or blocked.

611 ( a ) ( 6 ) ( B ) ( iii ) : I request a description of the verification procedure, including the name and contact of the party who verified the data.

623 ( a ) ( 8 ) : This is also a direct dispute to XXXX requiring them to investigate and correct. 


I need deletion of this account while under investigation, and a cease of negative reporting until the information is fully verified with original documentation. 




Requested Resolution 1. Require XXXX to produce original documentation ( signed agreement, full payment history, and proof of SCRA compliance ). 


2. Delete the XXXX tradeline from all three credit bureaus if the inconsistencies can not be reconciled and verified. 


3. Provide me with the method of verification used. 


4. Ensure XXXX complies with SCRA before reporting further negative information. 




This account is still with the original creditor, yet it is reported with years of negative history and contradictory data across the bureaus. The information is inaccurate, unverifiable, and ignores my rights under the FCRA and SCRA. I request immediate deletion of this tradeline.

Company response to consumer: Closed with explanation