vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: AR

Complaint narrative:
My identity was stolen and multiple hard inquiries were reported on my credit as well as multiple accounts without my knowledge or permission. I am XXXX, so does impossible for me to agree to any contract or read any contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed the reporting of a bankruptcy on my Experian credit file, as the information appeared to be inaccurate and unverifiable. On or around XX/XX/year>, I submitted a formal dispute and requested verification, including the name of the furnisher or vendor that provided the bankruptcy data and copies of the supporting documents used. 

Experian responded stating that the bankruptcy had been " verified, '' but provided no documentation, no method of verification, and no contact information for the party who allegedly verified the data. 

I subsequently obtained a signed letter from the U.S. Bankruptcy Court ( XXXX XXXXXXXX XXXX XXXX XXXX, confirming that the court does not report bankruptcy information to Experian or any credit reporting agency. This proves Experian could not have verified the data with the original source. 

Additionally, Experian continues to report the bankruptcy without confirming that it complies with Metro 2 standards for public record and account reporting, including accurate discharge coding and {$0.00} balances on associated accounts. 

Experian is in violation of FCRA 1681i ( a ) by failing to properly verify the data, and also failed to delete the information when it could not be verified. I am requesting that this unverifiable and inaccurate bankruptcy entry be permanently removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: OK

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I was basically forced into a credit karma account through turbo tax if I wanted my refund quickly, I had a savings and checking account that I used which were attached to my credit karma account. I had several important transactions, such as tax refund deposits, put into those accounts and they were used in XXXX, XXXX and XXXX before they were closed out. My credit karma account remained open. I attempted to correct my information as they had an old work email as my contact and I have not worked there in a long time. They assured me they made the corrections, but all I could log into was a whole new credit karma account. They had tried to duplicate the account but there was no longer any tax data, banking information, and it claimed my membership date was recent, when it was not. I requested my account details from my banking, as I now got an error stating I had no account history. I requested access to my old credit karma account, or access to my old bank accounts through credit karma, or I would settle for monthly printouts of my banking statements if nothing else could be done. I need my specific banking details for taxes and transactions leading to my home purchase. I was assured several times that I would get what I needed, I provided all of the account numbers to the bank accounts and old statements and emails regarding the accounts I was referencing, whatever would help. It has now been 3 months of them no longer responding. Completely ignoring my emails, requests for follow up, support submissions, etc. I let them know this request was urgent in XXXX, we spoke back and forth for a month and it seemed like they were finally trying to help, another month went by and I reached out to get no response. It has been no response since then. I need my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I recently received a credit alert that a derogatory account ( XXXX XXXX in the amount of {$3200.00} ) was added to my credit profile. The account is reporting XXXX  days late with ( no info ) relating to monthly payment. THIS ACCOUNT DOES NOT BELONG TO ME!!! 

I am fiscally responsible and have worked very hard to accrue no debt. Its disheartening that a company can add a derogatory account to your credit profile and its up to you to fight to have it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I recently received a credit alert that a derogatory account ( XXXX XXXX in the amount of {$3200.00} ) was added to my credit profile. The account is reporting XXXX  days late with ( no info ) relating to monthly payment. THIS ACCOUNT DOES NOT BELONG TO ME!!! 

I am fiscally responsible and have worked very hard to accrue no debt. Its disheartening that a company can add a derogatory account to your credit profile and its up to you to fight to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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 recently received a credit alert that a derogatory account ( XXXX XXXX in the amount of {$3200.00} ) was added to my credit profile. The account is reporting XXXX  days late with ( no info ) relating to monthly payment. THIS ACCOUNT DOES NOT BELONG TO ME!!! 

I am fiscally responsible and have worked very hard to accrue no debt. Its disheartening that a company can add a derogatory account to your credit profile and its up to you to fight to have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: DC

Complaint narrative:
I have questioned and disputed all items on my credit report with the XXXX credit bureaus, but Experian is failing to conduct a proper investigation and provide me with the necessary information. Additionally, they continue to reinstate these items on my credit report, which is having a negative impact on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have questioned and disputed all items on my credit report with the XXXX credit bureaus, but XXXX  is failing to conduct a proper investigation and provide me with the necessary information. Additionally, they continue to reinstate these items on my credit report, which is having a negative impact on my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: DC

Complaint narrative:
I have questioned and disputed all items on my credit report with the XXXX credit bureaus, but XXXX  is failing to conduct a proper investigation and provide me with the necessary information. Additionally, they continue to reinstate these items on my credit report, which is having a negative impact on my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I have been placed on the Save Plan. I have applied to be taken off the SAVE Plan repeatedly in the past several months. They have closed all of my applications to an IDR plan with no explanation. 
I have made XXXX payments while working in public service. XXXX payments from XX/XX/XXXX to XX/XX/XXXX have not counted towards PSLF bc I was on the Save Plan from XXXX to XX/XX/XXXX. I remain in the SAVE plan in spite of my efforts to be taken off this plan. By now I could have made XXXX more payments working in public service, but I am stuck in the SAVE Plan. Furthermore, I have applied for the XXXX Back. I completed my XXXX payment in XX/XX/XXXX. I made another payment in XX/XX/XXXX, while on the SAVE plan. Now Federal Student Aid website says my forbearance has ended. i have a payment due end of XX/XX/XXXX. Federal Student Aid says to go to Mohela to pay my bill. Mohela says I have no payments due until XX/XX/XXXX. I do not know how much my payment is or if it will count towards loan forgiveness or if I actually have a payment due. I have called and tried to speak with a representative at both Mohela amd Federal Student Aid. I have waited for hours to speak to someone. When I did once speak to someone, they could not help me. In summary, I have not been able to get off the SAVE plan to make XXXX more payments so I can receive Public Service Loan Forgiveness. Federal Student Aid says my forbearance has ended. But the loan servicer website, Mohela says I have no payment due. I can not actually get a hold of anyone to explain to me what is happening. I am waiting on the buy back in the meantime. 
I am hoping the buy back wont take months and months to process. My complaint is that this entire scenario is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account number XXXX Reported inconsistencies among all bureaus as follows : Date account opened XX/XX/year> vs XX/XX/year> Balance {$1700.00} vs {$1700.00} I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On or around XX/XX/year>, I was alerted that a previously closed and deleted collection account from Portfolio Recovery Associates was illegally reinserted into my credit file without proper notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

The same occurred with a second account reported by XXXX. These accounts had previously been deleted/closed after dispute, and their unauthorized reappearance caused a significant drop in my XXXX XXXX ( over XXXX ), leading to emotional distress and potential credit denials. 

I never received any notice within the required XXXX business days of reinsertion from the credit bureaus or the furnishers. This is a clear violation of the FCRA, and demonstrates a pattern of negligence and reckless disregard for my consumer rights. 
Please be advised that I am preserving all legal rights and remedies available to me under federal and state law, including but not limited to the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Attorney General, and pursuit of a civil claim or arbitration for damages. 

Should you fail to remove these inaccurate entries within XXXX calendar days, I will initiate legal action without further notice. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX All Rights Reserved. UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
b'I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
b'I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:\n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-26 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 am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

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