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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: OH

Complaint narrative:
Several companies have been reporting my info as correct when it is not. I have disputed it with credit reporting companies. They claim to come back validated. I then asked for method of validation and have never been given that thorough description of procedure. Charge offs exist but i havenot been given 1099's.I want the transfer of assignment bill of sale, original contract, any documentation they have during their investigation that proves my negative items that they claim are reporting accurately are actually reporting accurately. I want the original contract dates.

These companies are violating these codes by continuing to report these items 15 usc 1681 I ( a ) ( 6 ) ( b ) ( iii ) ( e ) 15 usc 1692 ( e ) Also I had applied for a second line with this company but they sent a new card instead of a second one so this is where confusion began.

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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Several companies have been reporting my info as correct when it is not. I have disputed it with credit reporting companies. They claim to come back validated. I then asked for method of validation and have never been given that thorough description of procedure. Charge offs exist but i havenot been given XXXX want the transfer of assignment bill of sale, original contract, any documentation they have during their investigation that proves my negative items that they claim are reporting accurately are actually reporting accurately. I want the original contract dates.

These companies are violating these codes by continuing to report these items 15 usc 1681 I ( a ) ( 6 ) ( b ) ( iii ) ( e ) 15 usc 1692 ( e ) Also I had applied for a second line with this company but they sent a new card instead of a second one so this is where confusion began.

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: 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: FL

Complaint narrative:
I am writing to dispute inaccurate personal information listed on my credit report. Upon reviewing my report, I noticed incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history.

Some of this information is not associated with me, and these inaccuracies could lead to misidentification, confusion with others. I have already submitted correction requests and provided supporting documents to verify my accurate and current information, yet these errors remain unresolved.

These inaccuracies are misleading and may negatively affect future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is correct and current.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: FL

Complaint narrative:
I have attached a letter to this complaint. Experian has reinserted an account that had already been deleted and removed from my consumer report? why? I was never notified of this, as per law I have reached out to Experian about this multiple times calling their call center where I can not seem to get reliable help regarding the manner and most times my calls end with their representatives hanging up on me. So please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law under 15 U.S.C. 16815-2 ( b ) ( i ). I never received a notice of reinsertion within 5 business days. what is going on Experian???

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: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 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 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: 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:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: FL

Complaint narrative:
MRS BPO , LLC they called my husbands cell phone and gave him all the information and told him all the information. he is not on the account and knew nothing about it and i wanted it that way. 
they also send notice in the mail using a window envelope with a barcode showing its a collection notice and the barcode could be easily scanned by anyone and get my information. This company has many many complaints against them with bbb and various agencies,. they have also been sued for this exact thing of using barcodes readily visible on the window envelope

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I tried to dispute a false credit report from XXXX. I changed carriers to XXXX XXXX ( XXXX ), and my XXXX account was fully paid. My number was released by XXXX to XXXX, and XXXX wouldn't allow my number to be ported if I owed anything. I worked with XXXX  to port my number over, which they accomplished. This was in XX/XX/year>. Suddenly, XXXX started billing me again in XX/XX/year> and charged it off. This is on my Transunion account. Transunion only gives you XXXX words for a statement, making it impossible to dispute properly, especially for something as complicated as this. Transunion does not show as disputed, just as a " charged off '' account. I have excellent credit except for this {$110.00} charge off, which is reducing my credit risk. XXXX won't do anything, since the account is gone now and their folks can't do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went into a Citibank branch to request to withdraw my funds in account the representative called someone to authorize it but all was asked was of my XXXX account if I recognized it and the transaction on XX/XX/XXXX, which I did. They still could not let me pull the funds out and my bank account was locked they did not tell me any reason besides that. Also told me allow 24-48 for them to research on the account this was a Thursday I called every day after 48hours they still could not give me a reason it is now Tuesday my account is officially closed with all my money that i needed to withdraw in the account.

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 information incorrect
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
Company is reporting to the credit bureaus that my balance is XXXX when it should be XXXX. I have dispute this to all bureau 5 times and they still say XXXX mortgage is reporting XXXX. I called XXXX Mortgage and they say that because I paid my payment XXXX day early on XX/XX/XXXX. I didn't get an interest credit for the month of XXXX and was penalized 2000 XXXX XXXX mortgage also didnt apply the payment to my account till XX/XX/XXXX. So technically the payment was received and applied to the account in XXXX so i should have received the credit. This seems wrong just because I paid my on time payment XXXX day early. XXXX being financially punished and punishing my credit repot by XXXX points. This is hindering my ability to secure better interest rates with other credit companies and stopping my ability to refinance this mortgage.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has been charging me for their premium membership since XXXX. That's XXXX payments of {$24.00}, just under {$100.00} total. I never signed up for the premium membership. I spoke to them on the phone today and they told me that they don't have a card on file for my account then immediately told me I was not eligible for a refund. I asked for a supervisor at which point this agent wasted more of my time and continuously put me on hold without warning just to pick back up and say the same thing. They finally transferred me to a " supervisor '' who suddenly said that my " default XXXX XXXX card '' was being charged this whole time. How does it go from " no card on file '' to " we stole your default XXXX XXXX card without your permission or knowledge? '' They eventually refunded me for 2 months but refused to refund for the payments on XX/XX/XXXX and XX/XX/XXXX. I never used their premium services, I never agreed to their terms of service that the agent kept citing as reason that I should not be refunded, and I never gave them my card information. They don't even know how they got it. These are fraudulent charges that I never consented to and they are only taking responsibility for XXXX of them. This is a company that was designed to protect the money of their customers and they have been stealing mine for 4 months. The agent refused to help me further and said he had to end the call while I was still trying to speak to him about the issue. Prior to getting on the phone, I checked what personal information was listed in my account and also could not see a card on file and several other identifiers that would be necessary to charge a card were missing as well. I want a refund for these payments because they never had any right to charge them in the first place. I have included the charges in my billing and proof of the XXXX minute phone call I spent trying to work this out with experian prior to pursuing other options.

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 monetary relief
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: TX

Complaint narrative:
Received loans from XXXX XXXX XXXX XXXX and XXXX unable to obtain the original Promissory note from the loans. I was XXXX at the time with no employer so I did not qualify for these loans. Right out of highschool I was given loans when I should have only been covered by financial aid. Now, I am struggling to get the XXXX  because my private loans that I was given right out of Highschool is erasing all my qualifying payments for the last 26 years. The interest rate I was given as a new college student fresh out of highschool should be illegal

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-09-23 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: CA

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS 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 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, Balance : {$48000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation