vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: KY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

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 2025-06-03 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: KY

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution of my prior dispute submitted on XX/XX/XXXX, concerning multiple unauthorized credit inquiries that continue to appear on my consumer report. Despite the time elapsed, I have not received any meaningful resolution or documentation in response. 
According to my rights under the Fair Credit Reporting Act ( FCRA ), I am protected from unauthorized access to my credit file and entitled to full transparency and corrective action when such access occurs. Specifically, I invoke the following sections : Applicable Legal Basis Section 611 ( 15 U.S.C. 1681i ) : Mandates that credit reporting agencies must promptly and reasonably investigate any disputed information. Over 30 days have passed since my initial dispute, and no proper reinvestigation or results have been provided. 
Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain full disclosure of the information in my credit file, including a record of who accessed it and the results of any investigation. This has not been fulfilled.

Section 604 ( 15 U.S.C. 1681b ) : Defines the only permissible purposes under which my credit report may be accessed. These inquiries were made without my knowledge or consent and do not qualify under any allowable criteria. 
Unauthorized Inquiries in Question 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 never authorized these inquiries, nor was I presented with any terms of credit, application, or consent relevant to these entities. 
Formal Request for Resolution I hereby demand the following actions be taken without further delay : Reinvestigation : Conduct a thorough and documented reinvestigation of each inquiry listed above.

Removal : Delete all inquiries found to lack a permissible purpose or valid consumer authorization. 
Updated Credit Report : Provide me with an updated and corrected copy of my credit report once all unauthorized inquiries have been removed.

Verification Documents : Provide written documentation explaining the basis under which each inquiry was made, including certification of authorization or proof of any alleged consumer application.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I just came across a credit inquiry from a company Ive never dealt with and let me be clear : I never gave them permission to pull my credit. I didnt apply for anything with them, I didnt authorize anything, and I had no interaction with them whatsoever.

This is an unauthorized and fraudulent inquiry, and Im demanding that it be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am requesting the immediate freezing of my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
I do not recognize the following names : 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 2025-06-03 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX  XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$10000.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2600.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$4800.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2200.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$3700.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$1000.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$3700.00} DPT ED/XXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2100.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I paid this account in full through Jefferson Capital Systems ( a debt buyer for XXXX ). The agreement was for full resolution and I provided proof of payment to XXXX. Despite this, the XXXX account is still showing as charged-off and past due. 

I am under contract for a mortgage with closing scheduled on XX/XX/scrub>XXXX XXXX and this inaccurate reporting is harming my ability to close. 

Under the FCRA, information must be accurate, complete, and verifiable. I request immediate deletion or update to Paid as Agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
I made my student loan payments to Mohela, all throughout COVID. Once payments were about to restart for everyone, I had applied for loan forgiveness. After a couple months I logged in and my balance was {$0.00}. So I assumed my loans had been forgiven and I must've missed an email or something. However, every month I would get a late payment notice. I would log back in, and balance would be {$0.00} owed. This went on for months until I wasn't able to log in anymore. Received an email for an updated website for Mohela. I go to the website, try to set up an account, and it says I don't exist. ( This is with my social # ) so I log in to federalstudentaid.gov to check if my loan servicer has changed or if they can change it to someone else. No help, but shows I still owe money. At this point I don't know what to do. I have no problem paying back my student loans ; I just need a way to pay them back! This is affecting my credit now, as it looks like I have defaulted on my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
When I checked my credit report today, I was surprised to see accounts that dont belong to me. This has never happened before during my routine checks. I thought it might be a technical error and refreshed the browser, but nothing changed. I kindly ask that the documents I provided be reviewed in detail to ensure this issue doesnt happen 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 2025-06-03 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 2. Delete or correct all inaccurate, incomplete, or unverifiable information. 3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} :

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent items have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for Experian Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent items that I would appreciate being addressed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} :

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SOP Pioneer Partners LP
State: FL

Complaint narrative:
I was notified by a number from Florida XXXX ( XXXX ) XXXX stating they where attempting to serve me papers, but they had the wrong address and inform me to contact XXXX XXXX XXXXXXXX at XXXX and they gave me a case number when I called the XXXX XXXX XXXXXXXX number there is no introduction to the law firm or nothing. They immediately sent me to a guy who was talking about a loan that was done in XXXX and the last payment I got was XXXX. Im located in Florida which I believe has a statue of limitation of either six or seven years and I do not even see that on my credit report and it should already fell off but theyre saying that they will take me to court unless I pay them {$1800.00} today or {$500.00} and {$200.00} a month to pay off XXXX something if I go to court, itll be up to XXXX and legal fees. I stated to them that I no longer work due to my XXXX for the military and theres no way Ill be able to afford any of that and I kept stating well then youll let the judge side and then hung up on me and then called him back and it went to voicemail which did not state no law firm or nothing once again no information and thats it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
To whom it may concern, I would like to kindly bring to your attention that the personal information I have provided is the most up-to-date and accurate in accordance with the FCRA and XXXX XXXX compliance reporting standards. In case there is a mismatch with the information you have on file, it could indicate an error in your records or from the sources you use for verification purposes. I am aware that precision is vital in maintaining accuracy when dealing with transactions such as mine.

Therefore, I would respectfully request you to remove any personal information on file that does not match the details I have listed above. Additionally, I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance criteria. As per the regulations, my credit profile must be accurate and comprehensive. It would be greatly appreciated if you could promptly verify and confirm all of the information in my credit report within a reasonable time frame. 
I have noticed that my credit history, as well as certain pieces of information, have never been validated or correctly reported. 
In light of this, I would like to exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. Moreover, I would like to request that any mistakes be permanently fixed immediately. Finally, I kindly ask that you investigate the origins of each account and confirm that each creditor has a legitimate basis for all queries on my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
Heres an example of how you can describe what happened : I disputed inaccurate information reported by Equifax on my credit report concerning an account with XXXX ending in XXXX. On XX/XX/year>, I sent a formal dispute letter to Equifax requesting a reinvestigation of the account under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards.

In my letter, I requested detailed information and documentation to verify the accuracy of the account, including the account opening date, payment history, balance, and any evidence used to verify the account 's accuracy, such as contracts or billing statements. I also provided copies of my identification and a utility bill to assist with the investigation.

Despite my efforts, Equifax failed to provide the requested information or take appropriate action to verify or correct the account. As of [ insert date ], the account remains on my credit report, and I have not received the required documentation or a satisfactory response within the legally mandated 30-day timeframe. 

This failure to investigate and verify the accuracy of the information violates the FCRA, FDCPA, and other applicable laws. I am requesting immediate action to resolve this matter by either verifying the accuracy of the account with proper documentation or removing the account from my credit report entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My access to XXXX was unexpectedly disabled today XX/XX/year>2025. I was not given a clear reason or adequate notice. This has disrupted my ability to send/receive money, and Ive been unable to get meaningful support or resolution from Wells Fargo or XXXX XXXX XXXXXXXX who XXXXwns XXXX ] XXXX 

believe this action is unfair and want a full explanation and restoration of service. Moreover I also believe that my number should be able to be used again. I did not do anything wrong nor violate any policy

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 2025-06-03 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 reviewed my credit report and noticed fraudulent activity on my report that is preventing me from obtaining credit.The following fraudulent information reported is as follows : XXXX XXXX XXXX XXXX Amount {$18000.00}, Account number XXXX, said to opened XX/XX/XXXX XXXX XXXX, Amount {$400.00}, Account Number XXXX, said to be opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief