vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX  XXXX Amount : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX  Amount : {$2200.00} XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Amount : {$1400.00} 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 UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I'm today Sunday XX/XX/XXXX by use my debit card no issue The gas station I later then tried to use it online and reclining it declining declining it all sudden I get an email saying my account 's frozen and massive venmo basically look into it and verify my identity I sent in my ID like they ask still nothing My message I'm in they told me pretty much that money is theirs to XXXX XXXX XXXX XXXX off and I whoops and I got up wait XXXX to 7 days No that's not how this works that's my money I rightfully put it in there and I should be able to writefully take it out at any point given time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and Equifax has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am the victim of identity theft. Multiple accounts, inquiries, and negative items appearing on my credit reports were created without my knowledge or authorization. Someone used my personal identifying information to open credit accounts, generate inquiries, and create negative payment history that does not belong to me. 

I filed an FTC Identity Theft Report and submitted a formal identity theft affidavit under FCRA 605B. Despite properly notifying the credit reporting agencies and furnishers, my credit file still contains fraudulent accounts, unauthorized inquiries, and inaccurate personal information. These items continue to harm me financially and interfere with my ability to secure reliable transportation, maintain stable housing, and manage medical needs. 

The fraudulent items include : XXXX XXXX XXXX XXXX ( fraud ) XXXX XXXX XXXX account ( fraud ) XXXX  XXXX charged-off account ( fraud ) Any telecom self-reported accounts I did not authorize Multiple unauthorized hard inquiries Incorrect personal information including wrong names and wrong addresses The agencies have a legal obligation under FCRA 605B to block and delete this information within 4 business days once notified. They have not removed the fraudulent accounts as required. 

I did not open these accounts, I did not authorize these inquiries, and I did not approve the use of my personal information. I am requesting the CFPBs assistance in enforcing my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am the victim of identity theft. Multiple accounts, inquiries, and negative items appearing on my credit reports were created without my knowledge or authorization. Someone used my personal identifying information to open credit accounts, generate inquiries, and create negative payment history that does not belong to me. 

I filed an FTC Identity Theft Report and submitted a formal identity theft affidavit under FCRA 605B. Despite properly notifying the credit reporting agencies and furnishers, my credit file still contains fraudulent accounts, unauthorized inquiries, and inaccurate personal information. These items continue to harm me financially and interfere with my ability to secure reliable transportation, maintain stable housing, and manage medical needs. 

The fraudulent items include : XXXX XXXX XXXX XXXX ( fraud ) XXXX XXXX XXXX account ( fraud ) XXXX  XXXX charged-off account ( fraud ) Any telecom self-reported accounts I did not authorize Multiple unauthorized hard inquiries Incorrect personal information including wrong names and wrong addresses The agencies have a legal obligation under FCRA 605B to block and delete this information within 4 business days once notified. They have not removed the fraudulent accounts as required. 

I did not open these accounts, I did not authorize these inquiries, and I did not approve the use of my personal information. I am requesting the CFPBs assistance in enforcing my rights under the FCRA.

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 2025-11-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
I seen a collection on my credit report that I didnt do.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because several accounts on my credit report are inaccurate, reinserted without notice, and continue to be furnished despite identity theft, a data breach affecting my personal information, and multiple disputes and validation requests sent to Experian, XXXX XXXX  and the furnishers. 

The XXXX account was previously deleted and then illegally reinserted without the required written notice under FCRA 611 ( a ) ( 5 ) ( B ). XXXX and XXXX are reporting fraudulent or inaccurate accounts connected to identity theft and a data breach. XXXX XXXX is reporting late payments that are inaccurate and unsupported. In addition, Experian continues to report incorrect personal information ( multiple wrong addresses and name variations ), which places fraudulent accounts back onto my file. 

I requested full validation, the method of verification, reinsertion notices, investigation documents, and proof of accuracy under FCRA 602A, 605B, 609, 611, and 623. I provided identification and supporting documents. No bureau or furnisher provided the information required by law.

All parties failed to conduct a lawful reinvestigation, failed to block identity-theft related items under FCRA 605B, and continued furnishing disputed information without verifying its accuracy. This has caused financial harm, denials, and emotional distress. 

I am requesting that the CFPB require Experian, XXXX XXXX  XXXX, XXXX, XXXX, and XXXX XXXX to : ( 1 ) provide the legally required validation and reinsertion documentation, or ( 2 ) permanently delete the inaccurate and unlawfully reported accounts and all linked personal information.

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 2025-11-16 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 contacted the company and explained to them this was my account and I didn't sign up for their service and please remove the inaccurate information from my credit report and they refused

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 2025-11-16 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 contacted the company and explained to them this was my account and I didn't sign up for their service and please remove the inaccurate information from my credit report and they refused

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance Corporation is reporting an inflated, inaccurate, and unverified deficiency balance on my credit reports after a voluntary surrender. The company has repeatedly increased the balance ( most recently by {$230.00} ) without providing any legally required documentation or validation of the debt. 

I requested specific information from the company, including : The original signed retail installment contract Voluntary surrender documents Proof of mailed sale notice Auction sale receipt showing the exact sale price A full itemized breakdown of the deficiency balance Documentation showing how fees and the remaining balance were calculated Verification of the accuracy of the information they are reporting to the credit bureaus They did not provide this information. Instead, they continued to update the balance and report inconsistent and inaccurate information to the credit bureaus, in violation of FCRA 602A, 607 ( b ), 611, 609 ( a ) ( 1 ), and 623 ( a ). 

The deficiency balance appears incorrect and inflated, and the company has failed to validate how it was calculated. I was never provided proof of the sale price or any itemized accounting of fees added after the surrender. 

This inaccurate reporting is causing severe financial hardship. I am being denied reliable transportation and housing because of the unverifiable balance and negative reporting. I have attempted to resolve this directly with the company, but they refuse to provide the documentation required by law. 

I am requesting that the CFPB investigate Credit Acceptance for inaccurate credit reporting, failure to validate a debt, improper balance increases, and failure to respond to a lawful request for information. I am asking that the account be corrected or deleted if the company can not fully validate the deficiency balance.

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 2025-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit file under the Fair Credit Reporting Act ( FRA ). The account listed as One Main Account XXXX XX/XX/XXXX Closed Account charged off. {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX. XX/XX/XXXX has been repeatedly marked as " verified '' without sufficient evidence to support its accuracy. 
Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasofiable investigation into any disputed information. Furthermore, as stated in 15 U.S.C. 5 1681i ( a ) ( 2 ), if the furnisher of the disputed information ( in this case, XXXX XXXX ) can not provide verifiable proof of the debt 's accuracy, the information must be promptly deleted from my credit file. 
To date, you have failed to provide any supporting documentation, such as original account records or a signed agreement, to substantiate the legitimacy of this debt. Simply marking the account as " verified '' without adequate investigation does not meet the legal requirements of the FCRA. This negligence is a direct violation of my rights under 15 U.S.C. 1681e ( b ), which requires that you maintain accurate and verifiable information in my credit report. 
I demand the following actions be taken immediately. 

1. Provide copies of all documentation used to verify this debt 's accuracy. This includes account-level data, signed agreements, and proof of ownership of the debt. 
2. Remove the disputed account from my credit report if no verifiable documentation can be provided XXXX. Provide me with written confirmation that this account has been deleted from my file. 
Failure to comply with this request within the legally required XXXX period will leave me no choice but to escalate this matter. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal action for damages as outlined in 15 U.S.C. 1681n for willful noncompliance and 15 U.S.C. 16810 for negligent non-compliance. 
Please consider this letter as my formal demand for compliance with FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MA

Complaint narrative:
Bad faith Still reporting late payments and charge offs on my account when should be payed as agreed due to fraud showing inaccurate total balance used when I have proof from the courts and everything and discover keeps telling me all different answers and now telling me I have to communicate via mail because they dont have a phone this is impacting my life my credit score n mentally frustrating that Ive tried getting this fixed for years already n they keep deflecting like it doesnt matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am requesting the removal of several hard inquiries on my TransUnion report that were submitted without my authorization. During an auto credit application, the dealership submitted my information to multiple lenders without my consent. 

The inquiries not individually authorized include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I attempted to resolve this with TransUnion directly. They verified the inquiries without addressing the lack of a permissible purpose. 

I respectfully request CFPB assistance in having these inquiries 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 2025-11-16 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: WV

Complaint narrative:
I am submitting a complaint regarding several collection accounts that are reporting inaccurately on my credit report. These accounts are listed under XXXX XXXX XXXX  ( {$230.00} ), XXXX XXXX XXXX XXXX ( {$150.00} ), and XXXX XXXX ( {$860.00} ). These accounts do not belong to me, and I did not authorize these companies to collect, report, or verify any debt in my name. 

I never received any written notice, validation, or explanation of these debts as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 and the Fair Credit Reporting Act ( FCRA ) 611. These companies have not provided proof of ownership, proof of original creditor, itemized account details, or any documentation with my signature showing that I opened or agreed to these accounts.

Some of these accounts date back several years, and one is showing an incorrect future date ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which makes the reporting inaccurate and misleading. Because these accounts can not be verified, they should not continue to appear on my credit file. 

I am requesting a full investigation into each of these collection accounts. Under FCRA 602, 604 ( a ), 611, and 623, if the companies can not provide proper validation and proof of permissible purpose, these accounts must be removed immediately from my credit report.

These inaccurate collections are causing financial harm and preventing me from obtaining credit. I am requesting the CFPB to contact the companies involved and require them to provide proper documentation or delete the 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 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
My schools I attend both closed down XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these fraud by law should have been XXXX because of the school closures

Company response to consumer: Closed with explanation