vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, Experian, Transunion, and Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Reported as derogatory/collection, balance {$3200.00}. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX Reported as derogatory/charged off, balance {$2400.00}. 
XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$4800.00}. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$420.00}. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection account, balance {$1900.00}. 


Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice. 
Additionally, the CFPB has documented Experians, Transunion 's, and Equifax 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account statement, dispute correspondence, and more. 
* * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, and send conrmation of the results within XXXX  days. 
Sincerely,

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 2025-09-26 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: NJ

Complaint narrative:
Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, Experian, Transunion, and Experian has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Reported as derogatory/collection, balance {$3200.00}. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX Reported as derogatory/charged off, balance {$2400.00}. 
XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$4800.00}. 
XXXX. XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Reported as derogatory/charged off, balance {$420.00}. 
XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX Collection account, balance {$1900.00}. 


Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice. 
Additionally, the CFPB has documented Experians, Transunion 's, and Equifax 's systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account statement, dispute correspondence, and more. 
* * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, and send conrmation of the results within XXXX  days. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: MD

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

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

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
I take pride in maintaining a good payment history. This late payment seems inconsistent with that and should be 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I demand that Innovis : Immediately remove all bankruptcy-related remarks from my XXXX XXXX XXXX XXXX account ( Acct # XXXX ) and my entire Innovis credit file.

Correct the account status and balance reporting to reflect accurate information, free of any bankruptcy indicators or derogatory comments.

Provide me with a written confirmation within 15 days that the false information has been deleted or corrected.

Notify all creditors, lenders, or third parties who accessed my Innovis file within the past 24 months that Innovis furnished them with false bankruptcy information, and send them corrected files as required under FCRA 611 ( a ) ( 5 ) ( A ).

Place quality-control safeguards in their reporting system to ensure this kind of reckless misreporting never happens again.

If Innovis fails to take these corrective actions immediately, I will escalate by pursuing a federal lawsuit for willful violations of the FCRA, seeking statutory, actual, and punitive damages.

Correct the account status and balance reporting to reflect accurate information, free of any bankruptcy indicators or derogatory comments.

Provide me with a written confirmation within 15 days that the false information has been deleted or corrected.

Notify all creditors, lenders, or third parties who accessed my Innovis file within the past 24 months that Innovis furnished them with false bankruptcy information, and send them corrected files as required under FCRA 611 ( a ) ( 5 ) ( A ).

Place quality-control safeguards in their reporting system to ensure this kind of reckless misreporting never happens again.

If Innovis fails to take these corrective actions immediately, I will escalate by pursuing a federal lawsuit for willful violations of the FCRA, seeking statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

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

1681c2 ) that you, the XXXX credit reporting agencys block the 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am contacting you to dispute a fraudulent account appearing on my credit report. I have never authorized or been associated with this account, and its reporting is entirely inaccurate and damaging to my credit profile.

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 2025-09-26 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open en
d unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$8600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my states consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Setup payment plan on XX/XX/XXXX Payment plan was due to end on XX/XX/XXXX. 1 month before payment plan was completed. The erased all payments erased payment plan and attempted to charge me for more than double of remaining balance. Still have emails and receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP
State: TX

Complaint narrative:
i opened a cd for ( XXXX ) or 18 months at 4.5apy and after 18 months it renewed with 0.05 apy without notifying me and i want to get my money for past 9 months at 4.5 apy which amonts to 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 2025-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NM

Complaint narrative:
I have been contacting MOHELA since XX/XX/XXXX and applied for a repayment plan that would qualify for PSLF, and get me off of XXXX. They have assured me many times that they would place me on a processing forebearance since my application has not been processed. I have spoken to at least 20 people, including supervisors who assure me it will be taken care of in 1 week, 2 weeks, and most recent ( as of XX/XX/XXXX ) within 24 hours but it has not been. They tell me when I call back that there is an error on my account but can not tell me what the error is, but they will escalate it. I called again ( XX/XX/XXXX ) since it was still not processed and was transferred to a supervisor ( no option to talk to someone, only to have my call returned ). I received a call today ( XX/XX/XXXX ) and when I answered, they disconnected the call. I tried to call back but only have the option to press 1 for a call back. I am now showing past due for XXXX, XXXX, XXXX and credit bureau reporting starts at 90 days. MOHELA is not helping me and I need escalation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IL

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance 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 2025-09-26 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: Army and Air Force Exchange Service
State: PR

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

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