vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: CO

Complaint narrative:
To Whom It May Concern, I am in receipt of your response dated following my CFPB complaint submitted XXXX XXXX, 2025. I have reviewed your explanation, and I find it to beinadequate, incomplete, and non-compliantwith your obligations under theFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ).

Your response merely states that the furnisher verified the disputed information, yetno evidence or documentationhas been provided to substantiate the verification. A simple parroting of what the furnisher has reported doesnot meet the standard of a reasonable reinvestigationunder federal law. Furthermore, your system ( e-OSCAR ) has been publicly scrutinized for conductingautomated, superficial investigationswhich have resulted in inaccurate information remaining on consumer reports as cited inCFPB enforcement actions against Experian and XXXX failing to properly investigate disputes. 

As Experian is aware, the FCRA requires that : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ... the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Additionally, under15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if the disputed information can not be verified or lacks supporting documentation, itmust be deletedfrom the consumer 's file.

At this time, I am demanding the following : 1. The immediate deletionof the disputed accounts/items that remain unverified with actual supporting documentation.

2. A copy of theverification recordsor documents you received from the furnisher, per1681i ( a ) ( 6 ) ( B ) ( iii ).

3. The name and contact information of the individual or department that verified the item.

If Experian is unable or unwilling to provide a proper reinvestigation, including the furnishing of evidence used to verify these accounts, I will escalate this matter by preparing a formal complaint with theFTC, filing a new complaint with theCFPB, and seeking legal counsel regarding Experians ongoing violations of my rights under the FCRA.

This letter shall serve as asecond formal dispute and notice of non-compliance. If the inaccurate items are not removed within15 days, I will pursue all available legal remedies.

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 2025-04-11 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-11 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 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: TN

Complaint narrative:
I submitted disputes to Experian to clean up my credit report since my wife and I both had our identity stolen through an employer information breach. I went through and found the inaccurate information on my report, plus info that was not mine and submitted disputes. Experian is refusing to remove some of the negative information that is incorrect.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: VA

Complaint narrative:
Accounts not being removed ..Chain of assignment and a forward flow agreement ... and what did they use to investigate to verify?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: FL

Complaint narrative:
I am disputing an alleged debt that XXXX claims to be collecting on behalf of XXXX and XXXX XXXX. I received unsolicited emails referencing alleged accounts ( ending in XXXX, XXXX, and XXXX ), and I promptly submitted a formal dispute. 

XXXX requested I submit the dispute electronically and then rejected the dispute without providing any explanation in a response email. Instead, they required me to access the dispute results through their website, despite my clear request for information to be provided outside of a login portal. This practice is deceptive and obstructive, as it withholds essential information and burdens the consumer with having to use a third-party platform to obtain basic details about their own dispute. 

They later claimed the results were provided by email, but no documents were included in the message body or as traditional attachments. Instead, they included hyperlinks labeled as PDFs under an attachment ( s ) heading. These were not actual attachments but links hosted on a publicly viewable XXXX address. This presentation is misleading, as it falsely gives the appearance of secure, attached documentation while directing recipients to an external site.

One of those XXXXhosted links led to a loan origination document from XXXX. However, the document was not physically attached or transmitted in a secure way it was accessible to anyone with the link, further undermining any claim that the information was secure. This also raises concerns about authenticity, document integrity, and consumer privacy. 

The loan origination document includes an itemized accounting of the debt, but it lacks a valid signature. The document states that by accepting the loan terms, it is considered as a signature, but there is no actual physical or electronic signature. Additionally, the document lacks a chain of assignment, proof of XXXX legal authority to collect, or evidence of permissible purpose under the Fair Debt Collection Practices Act ( FDCPA ) or the Fair Credit Reporting Act ( FCRA ). 

I explicitly requested physical copies of all documentation and that all electronic communication cease. XXXX has not complied with the mailing request, though they have ceased emailing me since that request. 

Until I receive proper debt validation by physical mail, I continue to dispute the validity of the alleged debts and request that all collection efforts cease. XXXX practices appear to violate the FDCPA and reflect a pattern of deceptive and nontransparent behavior. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I was notified by a 3rd party that there was a change to my credit score. It dropped XXXX points! I log in to find out why, shows it's a student loan reporting delinquent. 
I set-up an account for this new loan servicer NelNet, and it shows as IN FORBEARANCE ( I have screenshots to verify!! ). How can you show that it's in FORBEARANCE and then suddenly with no notice show it as delinquent and drop someone's credit score by XXXX points with no notice?!! 
A search on XXXX about this led me to find this has been suddenly happening to TONS of people with the same loan servicer!!!! 

I was not notified that this was about to happen and given time to make any needed arrangements!

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

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
I paid off my XXXX in XXXX of XXXX They said they sent out my title ; however, it was never received in the mail. I waited the duration of time they said it would takeXXXX to XXXX days. Once that had passed, they said they sent it and that now they are going to send a duplicate title. 

Note : they had never sent anything via certified mail and have no trackability on whether it made it to my mailbox. 

Now its XXXX and Im requesting my lien release paperwork and all documentation I can use to help get my car registered. Nothing was done about that. 

By now Ive lost count of how many times Ive contacted them, and its XXXX. They said they were going to expedite and send me my lien release via XXXX. Its now XXXX and I just got the tracking number, however the tracking number says that it was never brought to XXXX and is still with XXXX. 

I was then told an additional time that they didnt ship it XXXX and that it was sent through regular mail. With all this confusion, I contacted them again asking for a supervisor, only for them to hang up and not return my call. 

Im beyond frustrated and confused as to why they keep lying to me and telling me different stories every time I call. I need to get to the bottom of this and receive my cars title, as its impacting my life.

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 2025-04-11 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
How is it that the Federal government can take your personal information and attached it a loan and say you have a open account with the Department of Education in 2019 active in the amount of XXXX dollars and it will remain active till XXXX. I did apply for a educational loan in 2019 for my age at that time would be XXXX XXXX XXXX. Also for it to be active till XXXX and for XXXX more years of collecting interest to when I'm ready to retire that my social security will be used to pay for said account. Might as well did my grave and put me in it. I just don't understand. 
Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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

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

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

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-11 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: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-11 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : flagship credit accept Account # XXXX date opened XX/XX/XXXX bal. {$16000.00}, Sunrise credit service Account # XXXX date opened XX/XX/XXXX bal. {$2400.00}, XXXX XXXX XXXX Account # XXXX XXXX XXXX XX/XX/XXXX bal. {$160.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$140.00}, XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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