vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am formally disputing the XXXX/NAVIENT accounts currently reporting as an open account on my credit file. I believe these accounts are inaccurate and the result of issues connected to my personal information being compromised in a confirmed data breach. This has led to accounts and information appearing on my credit report that I can not verify as mine. 

Despite multiple disputes and validation requests, XXXX/NAVIENT has not provided required documentation proving the accuracy or ownership of these accounts. I specifically requested validation including a signed contract, itemized account history, proof of assignment or servicing rights, and details of their verification procedures. None of these documents have been provided. 

XXXX/NAVIENT failed to properly investigate or verify this account as required under federal law, including : 15 USC 1681i ( a ) ( 1 ) : duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : duty to provide a description of the verification process 15 USC 1692g : requirement for debt validation 15 USC 1692e ( 8 ) : prohibition of reporting information known or suspected to be inaccurate The continued reporting of an account that has not been properly verified violates these protections and has caused me hardship, including inaccurate reporting, denials, and damage to my creditworthiness. 

I request that the CFPB investigate this matter and compel XXXXNAVIENT to either provide full verification of these accounts or immediately remove and cease reporting it to ensure compliance with federal law and restore the accuracy of my credit file. 

Unauthorized accounts listed below : XXXX ) MOHELA/NAVIENT Amount : {$7300.00} Date XXXX XXXX ) XXXX/NAVIENT Amount : {$8100.00} Date XXXX XXXX ) XXXX/NAVIENT Amount : {$19000.00} Date XXXX XXXX ) XXXX/NAVIENT Amount : {$16000.00} Date XXXX XXXX ) XXXX/NAVIENT Amount : {$2900.00} Date XXXX XXXX ) XXXXNAVIENT Amount : {$10000.00} XXXX XXXX ) XXXX/NAVIENT Amount : {$7700.00} Date XXXX XXXX ) XXXX/NAVIENT Amount : {$6400.00} XXXX XXXX ) XXXXNAVIENT Amount : {$15000.00} Date XXXX XXXX ) XXXX/NAVIENT Amount : {$1800.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Someone has applied for a store credit card using my maiden name, in which I did not apply for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
See attached evidence provided. This company failed to repsond with all documents requested and failed to do withing the 30 days. I also have aletter stating the company failed to provide information and to remove from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX XXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
The original debt was reported in the amount of {$2400.00}, which was inaccurate, unverified, and furnished without proper validation. This inaccurate reporting caused adverse consequences to my credit profile and credit score. 

After I disputed the information, the original creditor, XXXX XXXX XXXXXXXX XXXX admitted the error and adjusted the balance. However, the revised amount that Fair Credit Outsourcing is attempting to collect is still inaccurate, unvalidated, and not supported by any documentation. 

Despite the lack of validation, the collector continued to furnish information to the credit bureaus, which is a violation of FDCPA 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) accuracy and verification requirements under FCRA 602, 607 ( b ), and 611. 

Additionally, reporting or attempting to collect an inaccurate amount violates Maryland state law, including the Maryland Collection Agency Licensing Act ( MCALA ) and the Maryland Consumer Debt Collection Act ( MCDCA 14-202 ), which prohibit collecting or attempting to enforce a right that does not exist. 

Because the original amount was false, the current amount remains inaccurate, and the debt has never been properly validated, I am requesting that this collection account be deleted in its entirety from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AL

Complaint narrative:
I am filing an escalation complaint because Experian, Equifax, and TransUnion have failed to follow the Fair Credit Reporting Act ( FCRA ) after I submitted my full FTC Identity Theft Report ( Report # XXXX ). Even after providing legally sufficient documentation, the credit bureaus continue to report fraudulent accounts, inquiries, and personal information. 

The fraudulent items listed in my FTC report include : Fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. 

Fraudulent personal information : incorrect names, multiple addresses, and unauthorized phone numbers. 

Fraudulent inquiries : Certified Credit Report, XXXX XXXX, XXXX XXXX. 

Under FCRA 605B, the bureaus are required to block identity theft information within 4 business days of receiving my identity theft report, proof of identity, and proof of address. They have not done so.

They also violated : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) furnishers continued reporting information known to be inaccurate I am requesting CFPB intervention to enforce the following actions : Removal of all fraudulent accounts, inquiries, and personal information.

Written confirmation from all three credit bureaus after completion. 

Investigation into Experian, Equifax, and TransUnion for failing to follow identity theft blocking requirements and FCRA compliance. 

I declare under penalty of perjury that all information submitted is true and correct. I have attempted to resolve this directly with the credit bureaus, but they have failed to comply with federal law. I am requesting immediate CFPB enforcement.

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 2025-11-17 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: CA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 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
Consumer complaint received 2025-11-18 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint against both Equifax and XXXX XXXX XXXX for inaccurate and incomplete reporting of my auto loan payment history. 

Equifax and TransUnion are reporting missing payment history for the years XXXX and XXXX, despite XXXX official payment ledger showing that payments were made each month. 

Additionally, several months in XXXX, XXXX, and early XXXX are being inaccurately reported as 306090 day late when XXXX internal records show otherwise. 

XXXX dispute system blocks me from selecting the affected months and will not allow me to dispute older data. XXXX previously verified the account without reviewing or comparing their own ledger to the reporting. 

I am requesting that : XXXX. XXXX conduct a complete reinvestigation of all payment history from XX/XX/XXXX to present. 
2. XXXX provide corrected, complete data to all three credit bureaus. 
3. Equifax update all missing and inaccurate fields, including : Actual payment amounts Payment dates Pays As Agreed months Incorrect delinquency codes No data available entries for months that WERE paid 4. Both parties provide written confirmation and supporting documentation showing the corrected reporting. 

I have attached XXXX ledger and my dispute results. 
These inaccuracies are harming my credit score and preventing accurate reporting as required by FCRA 611 and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MA

Complaint narrative:
Subject : Formal REQUEST FOR REINVESTIGATION of Credit Report Inaccuracies Under FCRA 611 To Whom It May Concern, I am writing to REQUEST FOR REINVESTIGATION of several inaccurate or potentially unverifiable items currently being reported on my Experian credit file. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which gives me the right to dispute information I believe is inaccurate, incomplete, or not properly verified. 
Below are the accounts and specific items I am disputing : XXXX XXXX XXXX ( XXXX ) Account no XXXX XXXXXXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX I do not recall missing a payment for this date. Please validate this late mark using actual billing and payment history. 
XXXX XXXX Account no XXXX XXXXXXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX Payment may have been made within the grace period. Please confirm actual due and posting dates. 
XXXX XXXX Account no : XXXX Opened XX/XX/XXXX Reported XXXX lates in XXXX and XX/XX/XXXX These entries do not reflect my payment behavior. Please provide supporting documents showing payment history. 
XXXX Account XXXX : XXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX and XXXX late in XX/XX/XXXX I dispute the accuracy of this timeline. Please provide documentation showing due dates, payment dates, and when the delinquencies were reported. 
XXXXXXXX XXXX XXXXXXXX XXXX Account no XXXX XXXXXXXX Opened XX/XX/XXXX Reported XXXX lates in XX/XX/XXXX and XX/XX/XXXX These XXXX be due to processing or communication delays. Please verify and provide payment logs. 
XXXXXXXX XXXX XXXXXXXX XXXX Account no XXXX XXXXXXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX I dispute this entry. Please confirm whether this account and the one above are being duplicated, and validate using XXXX XXXX standards. 
XXXXXXXX XXXX XXXXXXXX Account XXXXXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX and XXXX late in XX/XX/XXXX These appear inaccurate. Please provide documentation, including billing notices and grace period application. 
XXXX Card Account XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX I dispute this entry. Please confirm when the payment was due and when it was received. 
XXXX Card Account XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Reported late as follows : XXXX  days late in XXXX XXXX  XXXX  days late in XXXX XXXX XXXX days late in XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - Account XXXX XXXX XXXX Opened XX/XX/XXXX Reported XXXX late in XX/XX/XXXX. I was never been late and this is inaccurately reported, please remove the late payment 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 2025-11-17 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 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 explanation
Consumer complaint received 2025-11-17 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: MI

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-18 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: NC

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 2025-11-18 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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