vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding continued reporting of inaccurate, unverified, and unauthorized credit information on my consumer credit report. Despite multiple written disputes submitted directly to the credit reporting agencies and furnishers, the disputed items remain unchanged. This complaint represents my third formal attempt to resolve these violations. The failure to properly investigate and correct these errors constitutes ongoing non-compliance with the Fair Credit Reporting Act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ), 1681 ( b ), 1681e ( b ), and 1681i, consumer reporting agencies and data furnishers are legally required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when information is disputed. These obligations have not been met in my case. 
ACCOUNT IN DISPUTE XXXX  Account Number : XXXX High Balance : {$7300.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : This account has not been properly validated. No competent evidence has been provided showing my contractual liability, complete payment history, or lawful basis for the charge-off designation. Reporting a charge-off without full verification violates FCRA 1681e ( b ) and 1681i. This item must be deleted or corrected immediately if it can not be fully substantiated.

ACCOUNT IN DISPUTE XXXX XXXX Account Number : XXXX High Balance : {$18000.00} Date Opened : XX/XX/XXXX Status Reported : Charge-Off Issue : The charge-off status is being reported without proof of accuracy, proper accounting, or documentation demonstrating compliance with FCRA requirements. Repeated failure to correct or delete this inaccurate reporting after prior disputes reflects an unreasonable reinvestigation process. This tradeline must be removed or corrected without further delay. 
UNAUTHORIZED HARD INQUIRIES IN DISPUTE XXXXXXXX XXXX  XXXX  Inquiry Date : XX/XX/XXXX Issue : This inquiry was made without my authorization or permissible purpose. Continued reporting violates FCRA 1681b and 1681e ( b ). Immediate deletion is required.

The continued presence of these items after repeated disputes demonstrates a pattern of inadequate investigation and disregard for federally protected consumer rights. I am requesting CFPB intervention to require the credit reporting agencies and furnishers to comply with the Fair Credit Reporting Act by either providing full verification or permanently deleting the disputed items.

I respectfully request that CFPB review this matter and require immediate corrective action, including deletion or accurate correction of all disputed accounts and inquiries, along with written confirmation of compliance.

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 2025-12-29 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Inquiries : None listed. 

Late Payments : XXXX XXXX Account XXXX : XXXXXXXX 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 2025-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
PayPal stated that I could pay in 4 payments for two transactions i and I was charged in full for the items and not in 4 payments. I am pre-approved for these payments. When the company was contacted they said it must have been a cliche and they couldn't make a corrections to the computer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$590.00} Inquiries : XXXX  Date : XX/XX/year> Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am writing to dispute the accuracy and validity of certain items reported on my credit file. These items, which are listed under " Charged Off Accounts '' and " Inquiries, '' appear to be inaccurate, and I respectfully request a review and correction of the associated accounts in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have separated the disputes by credit bureau for your reference. 

I am disputing the following account on my Equifax credit report : Charged Off Accounts : FINWISE Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The hard inquiry is reporting on my credit file in which i have no knowledge of nor did i authorize such action back in XX/XX/year>. This is a direct violation of Fair Credit Act ( 15 U.S.C. s 1681b ) a creditor must have a permissible purpose to obtain a consumer credit report.

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 2025-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Discrimination occurred initially when I filed a federal lawsuit in XXXX ( suit is still ongoing ). Nationstar, mortgage lender, refused to accept XXXX  funds to cure a default. Nationstar is a HUD approved lender. A settlement agreement was in place to utilize partial claim funds that were available to me from HUD. Per the agreement, a payment was due on the account on XX/XX/XXXX. On XX/XX/XXXX, the noted law firm filed for foreclosure. This is not only a violation of the Dodd Frank Act but a clear Regulation X violation as well as dual tracking. This organization continues to violate RESPA as well as Loss Mitigation guidelines. A mortgage modification application was submitted to Nationstar, through our attorney on XX/XX/XXXX. Nationstar acted in bad faith when they filed for foreclosure during this process. Nationstar is also adding inspection/attorney fees to the overall balances due which is a violation of RESPA and the Dodd Frank Act. Nationstar continues to be fined by both State and federal agencies for violations however, there overall business practice does not change and the continued violations are endless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
Several companies accessed my credit report without my authorization or consent. I did not apply to these companies, nor did I give permission for my credit report to be pulled. These unauthorized inquiries have harmed my XXXX XXXX. I contacted Experian and was informed by a representative that these inquiries would be removed ; however, they are still appearing on my credit report. The continued reporting of these fraudulent inquiries has caused significant stress and raises serious concerns that I XXXX be a victim of identity theft.

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 2025-12-29 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I see a hard inquiry in my credit report that I did not apply too. From US Bancorp and I have adresss on my profile that's not mines either along with incorrect employment jobs

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 2025-12-29 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I did not file for a personal loan but theres an inquiry on my account from one main financial. Now I want to dispute the inquiry I feel is as if someone used my social or made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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 did not file for a personal loan but theres an inquiry on my account from XX/XX/XXXX. Now I want to dispute the inquiry I feel is as if someone used my social or made a mistake

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX 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 2025-12-29 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: OK

Complaint narrative:
I am formally disputing several tradelines appearing on credit reports that are inaccurate, outdated, misleading, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ). 



The disputed accounts include, but are not limited to : XXXX XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts contain reporting defects including : Excessive and unsupported potentially negative months Closed accounts reporting balances and utilization Balances not updated for multiple years Missing or unavailable utilization data Debt buyer reporting without proper verification Under 15 U.S.C . 1681e ( b ) and 1681i ( a ), Credit Bureaus are required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation. Any information that can not be verified as accurate, complete, and timely must be deleted.

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 2025-12-29 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: SC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : CB INDIGO Account Number : 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( 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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I paid this girl on my XXXX {$440.00} for an gift card for XXXX for XXXX that didnt work through Cash App plus an extra {$25.00} when I explained to her the cards wasnt working and I asked for partial payment back she refused and suggested that they worked for everyone else my account even shut down for XXXX hours because they thought it was fraud when I sent her the proof she still insisted not giving me my money back after I showed her her services she provided didnt work and instead of her accommodating me she tried charging me an extra {$50.00}.

Company response to consumer: Closed with explanation