vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Several times I have contacted the Experian credit bureau company to discuss their continuing reporting of me as an authorized user on an XXXX account and my concerns are dismissed by call center employees and supervisors. 
XXXX XXXX not report this information to Experian. See the XXXX attachments letters from XXXX XXXX 
Than you for your help.

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 2025-11-04 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: GA

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts & Inquirires : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have submitted several XXXX XXXX applications for the private loans taken out to attend XXXX XXXX XXXX XXXX XXXXXXXX. Each denial I have received has been a very vague response of not meeting the requirements for discharge, despite receiving a discharge for my Federal loans and providing substantial evidence. On XX/XX/year>, I submitted a new XXXX XXXX application and very quickly received a response that it was a duplicate request and Mohela would not be reviewing it further. In total, I have taken out {$21000.00} in private loans and have paid {$49000.00} and still owe {$21000.00}. I have paid even while fighting to prove that XXXX XXXX XXXXXXXX pushed these loans in a fraudulent and predatory manner. I demand a detailed reason as to why my XXXX XXXX XXXX continues to be denied or for my application to be approve for discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of America Ltd.
State: MD

Complaint narrative:
Collection Bureau of America placed a collection account on my credit report even though I have no relationship with them and never signed or agreed to anything with their company. I never received any services from them and I do not owe them. 

They are a XXXXparty collector, and they have not provided any validation or proof that I owe this debt. I never received a notice, a bill, or any documents before they reported the account to the credit bureaus. I only found out when I checked my credit report. 

They had no permission to use or report my personal information. Reporting and sharing my private data with credit bureaus without my authorization is a breach of data and a violation of my rights under : FDCPA 809 ( b ) no validation was provided FCRA 607 ( b ) they must ensure accuracy before reporting FCRA 604 ( a ) they must have a permissible purpose to obtain or share my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX 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 30 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 2025-11-04 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:
Experian has failed to properly handle my verified identity theft dispute and is using a false XXXXparty claim as a stall tactic to avoid compliance with the Fair Credit Reporting Act ( FCRA ). 

I am the verified victim of identity theft under 15 U.S.C. 1681a ( q ). I submitted a notarized Identity Theft Affidavit and proof of ID. These documents meet all requirements under FCRA 605B ( b ). Experian is required by 605B ( a ) to block fraudulent information within XXXX business days, yet the following items remain on my file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experians third-party excuse is false and unlawful the FCRA allows XXXX consumer to dispute directly or through an authorized representative. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires Experian to conduct a reasonable reinvestigation within 30 days regardless of who submits the dispute.

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 2025-11-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BILL.COM, LLC
State: FL

Complaint narrative:
In late XX/XX/year>, I received my regular monthly paycheck of {$3100.00}, which was deposited through BILL. When I checked my account, I discovered that the entire amount had been intercepted and applied toward my invoice financing balance leaving me with no access to any of my paycheck. 

This was done without any prior warning or notice. My usual monthly repayment amount is around {$530.00}, and in the past, only that portion was deducted. BILLs sudden action to seize my full paycheck was completely unexpected and caused me severe financial hardship. 

I immediately contacted customer support, and the representative confirmed that because my financing account was more than 30 days past due due to payment timing issues, XXXX automatically applied my paycheck to the balance. However, I was never informed that my entire income could be taken in this way, nor was I given the chance to make a partial payment arrangement. 

Ive also experienced a recent reduction in hours from full-time to part-time, which means my current pay is significantly lower than when I originally financed through BILL. My past invoices were over {$5000.00}, but my recent ones have dropped to about {$2000.00} {$3000.00}. 

This change makes the companys action even more unreasonable and harmful. 
Because of this, I was unable to pay my rent and essential bills for the month. I believe this action was unethical, lacked transparency, and violated fair lending and repayment communication practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-11-04 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:
Please analyze the enclosed records ; the inquiries were unexpected and could have been unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-11-04 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-04 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: Experian Information Solutions Inc.
State: TX

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 30 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 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 30 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 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 2025-11-04 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: MA

Complaint narrative:
i have reviewed my credit report and found these unverified items.

please remove, update or correct these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am submitting a dispute regarding the following accounts listed under my Equifax report. These accounts are being disputed due to inaccuracies in reporting, and I request a thorough investigation to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF : XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$5600.00} XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$330.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$830.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$460.00} XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$9700.00} XXXX ( XXXX ) - Date Opened : XX/XX/XXXX - Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX LATE PAYMENT : XXXX ( XXXX ) XXXX  ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am submitting this dispute to the CFPB regarding the following accounts, which I believe to be reported inaccurately on my credit report. I have broken down the dispute by each credit bureau for clarity.

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Statement : This account is inaccurately reported as charged off. It was paid in full and should not be reflected as a charged-off account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Statement : This account was settled and should not be listed as charged off. Please verify and correct this error. 

Inquiries : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Statement : This inquiry appears without proper consent. I request it be removed from my report. 

Late Payment : XXXX  XXXX Account Number : XXXX Statement : This late payment is inaccurately reported. The payment was made on time, and I request verification and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

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 2025-11-04 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: Kriya Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern : No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts & Inquiries : XXXX. XXXX XXXX XX/XX/year> - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
On XX/XX/scrub>, 2025, I sent a notarized copy of my identity theft affidavit and dispute letter to all three credit bureaus. To date, I have not received any response, which constitutes a willful violation of federal law under FCRA 611 ( 15 U.S.C. 1681i )

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