vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Experian 's Willful Rejection of FTC Identity Theft Report in Violation of 15 U.S.C. 1681c-2 XXXX XXXX On [ XX/XX/year> ], Experian formally responded to my lawful demand to block fraudulent information by issuing a boilerplate, legally insufficient rejection of my official FTC Identity Theft Report ( Docket # XXXX ). 

Their response, which claims my request was based on " error '' or " material misrepresentation '' without providing the " specific and detailed '' reasons required by XXXX XXXX 15 U.S.C. 1681c-2 ( c ) XXXX XXXX, is a willful violation of the Fair Credit Reporting Act. 

This is not a simple dispute. Experian is now actively refusing to comply with a federal statute governing identity theft. This bad-faith response, combined with their previous illegal reinsertion of the account and failure to respond to two prior CFPB complaints ( Case # XXXX, # XXXX ), demonstrates a pattern of reckless disregard for federal 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and complete. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Remove and delete the following unauthorized credit inquiries from my Experian credit report immediately. These inquiries were not initiated or authorized by me and therefore should not be associated with my consumer file. 

Disputed Unauthorized Inquiries Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Basis for My Dispute FCRA 605B 15 U.S.C. 1681c-2 : Upon submission of a valid FTC Identity Theft Report, credit reporting agencies must block any disputed information that may have resulted from unauthorized use within 4 business days.

FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) : Consumer reports may only be accessed for permissible purposes. These inquiries do not meet that standard.

FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g ( a ) ( 1 ) : I have the right to know who accessed my file ; unauthorized access violates this provision.

FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnished must be accurate and verifiable; fraudulent inquiries violate this duty.

FCRA 611 15 U.S.C. 1681i : Grants me the right to dispute inaccurate information and requires the bureau to investigate within 30 days.

Failure to comply with these requirements will constitute a violation of my consumer rights under the Fair Credit Reporting Act and may result in further action, including filing complaints with the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: OH

Complaint narrative:
They've been contacted me for months and months ago.I told them to put me on a do not call list and they still keep on calling from multiple numbers.I have blocked about twenty different numbers.I work for the state of ohio and law enforcement.And I will take legal action if this keeps on persisting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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
Consumer complaint received 2025-09-23 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: IN

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be 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!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

EDUCATORS CREDIT UNION XXXX XXXXXXXX XX/XX/year> -- {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Collection Management Holdings, LLC
State: NC

Complaint narrative:
As of XX/XX/XXXX I pulled my consumer reports from XXXX  XXXX  and XXXX  and I noticed that I have unauthorized as well as unverified late payments on my Consumer Report 's from XXXX  XXXX. I've never given XXXX XXXX consent to report adverse information to damage my consumer eligibility. The XXXX XXXX account is reporting inconsistently across all three consumer reporting agencies thus violating XXXX United States code XXXX XXXX ( a ) ( b ). 
XXXX XXXX - Account # - XXXX - Reporting as a Charge-off and open account on different consumer reports which is grossly inaccurate. 

COLLECTION MANAGEMENT - Notice, it is a fact affiant is aware medical information furnished about the consumer can not include the consumers age, gender, demographic, residence or any other information that relate to the physical mental or behavioral health condition of the consumer pursuant to XXXX U.S. code XXXX ( a ) ( i ) XXXX this medical collection shown in exhibit below is a violation and must be removed from my Consumer Report. 
COLLECTION MANAGEMENT - ACCOUNT # - XXXX - XXXX VIOLATION - Amount of- {$930.00} & Amount of - {$1400.00} Notice, it is a fact of XXXX is aware the term identity theft as described in XXXX USC XXXX ( q ) ( XXXX ) and Regulation V Pursuant to XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without Authority COLLECTION MANAGEMENT has never been given the authority / permissible purpose to place any medical debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of the XXXX law enacted in XXXX. I demand that this adverse and extortionate tradeline associated with my consumer file deleted immediately. 

XXXX  XXXX- Notice, it is a fact affiant is aware medical information furnished about the consumer can not include the consumers age, gender, demographic, residence or any other information that relate to the physical mental or behavioral health condition of the consumer pursuant to XXXX U.S. code XXXX ( a ) ( i ) XXXX this medical collection shown in exhibit below is a violation and must be removed from my Consumer Report. 
XXXX XXXX XXXX - ACCOUNT # - XXXX - XXXX VIOLATION - Amount of {$1200.00} Notice, it is a fact of XXXX is aware the term identity theft as described in XXXX USC XXXX ( q ) ( XXXX ) and Regulation V Pursuant to XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without XXXX XXXX XXXX has never been given the authority / permissible purpose to place any medical debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of the XXXX law enacted in XXXX. I demand that this adverse and extortionate tradeline associated with my consumer file deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
As of XX/XX/XXXX I pulled my consumer reports from XXXX  XXXX  and XXXX  and I noticed that I have unauthorized as well as unverified late payments on my Consumer Report 's from Capital One. I've never given Capital One consent to report adverse information to damage my consumer eligibility. The Capital One account is reporting inconsistently across all three consumer reporting agencies thus violating XXXX United States code XXXX XXXX ( a ) ( b ). 
Capital One - Account # - XXXX - Reporting as a Charge-off and open account on different consumer reports which is grossly inaccurate. 

XXXX XXXX  - Notice, it is a fact affiant is aware medical information furnished about the consumer can not include the consumers age, gender, demographic, residence or any other information that relate to the physical mental or behavioral health condition of the consumer pursuant to XXXX U.S. code XXXX ( a ) ( i ) XXXX this medical collection shown in exhibit below is a violation and must be removed from my Consumer Report. 
XXXX XXXX - ACCOUNT # - XXXX - XXXX XXXX - Amount of- {$930.00} & Amount of - {$1400.00} Notice, it is a fact of XXXX is aware the term identity theft as described in XXXX USC XXXX ( q ) ( XXXX ) and Regulation XXXX  Pursuant to XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without Authority XXXX XXXX has never been given the authority / permissible purpose to place any medical debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of the XXXX law enacted in XXXX. I demand that this adverse and extortionate tradeline associated with my consumer file deleted immediately. 

XXXX  XXXX- Notice, it is a fact affiant is aware medical information furnished about the consumer can not include the consumers age, gender, demographic, residence or any other information that relate to the physical mental or behavioral health condition of the consumer pursuant to XXXX U.S. code XXXX ( a ) ( i ) XXXX this medical collection shown in exhibit below is a violation and must be removed from my Consumer Report. 
XXXX XXXX XXXX - ACCOUNT # - XXXX - XXXX XXXX - Amount of {$1200.00} Notice, it is a fact of XXXX is aware the term identity theft as described in XXXX USC XXXX ( q ) ( XXXX ) and Regulation V Pursuant to XXXX XXXX XXXX is a fraud committed or attempted using the identifying information of another person without Authority XXXX XXXX has never been given the authority / permissible purpose to place any medical debt on my Consumer Report at any time. This extortionate tradeline constitutes identity theft and a violation of the XXXX law enacted in XXXX. I demand that this adverse and extortionate tradeline associated with my consumer file deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

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 2025-09-23 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

EDUCATORS CREDIT UNION XXXX XXXXXXXX XX/XX/year> -- {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CT

Complaint narrative:
I am suffering seriously as a victim of identity theft. All this has nothing to do with me, and yet I am the victim of this ongoing fraud. Daily, it drains my mental and emotional strength. The fear, stress, and exhaustion have become intolerable. I am helpless, and this ordeal is consuming every part of my life. I implore you please, in the interest of my well being BLOCK and REMOVE these scam items instantly. the following elements were included in this FRAUD : the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Collection - XX/XX/year> ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I NEVER APPLIED FOR A LOAN FROM NET CREDIT THE DOCUMENTS THAT WERE SENT YOU CAN GET OF THE INTERNET. ON THE DOCUMENTS SENT HAD NO BANKING INFO WERE THE SUPPOSED LOAN WAS DEPOSITED INTO MY ACCOUNT NO PROOF WAS EVERY RECEIVED THIS IS FRAUD IF IT IS NOT REMOVED FROM MY CREDIT REPORT I WILL HIRE A LAWYER AND SUE YOU. DO YOU UNDERSTAND.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I don't have any information at the moment because I moved from where I lived back then

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I am owed a refund of {$2000.00} from Mohela Student Loan Servicer. My account records indicate that this refund was processed in XX/XX/XXXX, yet I have not received the funds. 

Mohela representatives repeatedly told me that refunds are mailed within 90 days, but it is now well past that timeframe. Despite my consistent efforts to resolve this issue, I continue to encounter unhelpful and obstructive customer service practices. 

I have contacted Mohela on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these calls, I was placed on hold for long periods, transferred between agents without resolution, and ultimately provided no concrete answers. On XX/XX/XXXX, I was told my case had been escalated, yet I have still not received my refund. 

Mohelas lack of action and repeated delays demonstrate a failure to provide proper customer service or resolve my legitimate refund request. I am seeking immediate resolution and issuance of the {$2000.00} refund that I am owed.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pavilion Payments US BuyerCo, LLC
State: IN

Complaint narrative:
Company named Pavilion payments called from XXXX multiple times over several months and left voicemails. They claim there is an issue with two withdrawals totaling {$110.00} from a XXXX account that was apparently processed through this company. From my understanding, I initially withdrew the funds through a VIP preferred program that is run by this company, but the withdrawal didn't process, so the funds were returned to my betting account. There should be no debt.

Company response to consumer: Closed with explanation