vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 non-monetary relief
Consumer complaint received 2025-10-28 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
XXXX XXXX had flagged my account and Ive already paid off the balance in the account i want this removed and updated also please remove from 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 2025-10-28 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: TN

Complaint narrative:
CFPB Complaint XXXX XXXX Experian Student Loan Reporting Company : XXXX XXXX XXXX : Student Loan Servicing Issue : Incorrect credit reporting / failure to correct information What Happened I am disputing inaccurate credit reporting by XXXX XXXX related to my student loans. 
In XXXX, my subsidized ( {$37000.00} ) and unsubsidized ( {$32000.00} ) loans were consolidated through XXXX into a single Direct Consolidation Loan totaling {$69000.00}. My current XXXX statement and consolidation documentation confirm that only one active consolidated loan exists. 
However, my Experian credit report still shows the {$37000.00} subsidized loan as a separate active account, which is inaccurate. This creates a duplicate record and inflates my total reported student loan debt. 
I have contacted both Experian and XXXX multiple times. Experian states they must rely on data from the servicer, and XXXX representatives have confirmed that they are currently unable to make reporting updates due to federal court injunctions. 
What I Am Requesting I am requesting that the CFPB ensure : XXXX. XXXX corrects its reporting with the credit bureaus once the court restrictions are lifted, and 2. Experian reflects the {$37000.00} loan as Closed/Transferred to Consolidation Loan or removes it entirely when XXXX resumes credit data submissions. 
I have attached : - XXXX  Direct Consolidation confirmation - Current XXXX  statement showing one active {$69000.00} loan - Experian dispute result notice and correspondence from XXXX  Summary This situation is due to a known delay in data corrections caused by active federal injunctions. I am filing this complaint to document the inaccuracy, maintain an active record, and request that CFPB ensure correction once reporting restrictions are lifted.

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 2025-10-28 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Ive noticed that my credit report contains personal information that isnt correct, and because of this, accounts that dont belong to me are showing up. I am a victim of identity theft, and my information was used without my permission. As a result, there are accounts and items listed on my report that I have never been associated with in any way. 

I followed the proper steps by filing an identity theft report with the FTC, as Experian instructed, and I also submitted that report to you. Despite doing this, these fraudulent accounts are still showing on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
b'I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.                             \n\nFRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
TRIED TO GET A VALIDATION OF DEBT AND WAS UNABLE TO GET THIS DIRECTLY TO THE COMPANY WITHIN THE LOT OF TIME WITH THE LAW STATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>XXXX  (? ) I attempted to pay on a utility bill and the card was declined. I reached out to Capital One to for more information. I was informed that because when the last payment made was {$50.00}, however the minimum due was {$72.00}. Because the entire minimum due was not paid which I did not bother to pay attention to, total usage of the card has been restricted. In normal circumstances, that may OR may not have been an issue. However, in todays climate, and as a individual who is more likely than not, to be effected by the government shut down, this is unacceptable. Most important, its a deceptive practice. If an automated system states, available credit is , then $ or less is what I expect to be available to me, to take of care mandatory essentials. Like XXXX 's to manage my XXXX ( XXXX XXXX XXXX XXXXc ), utilities, etc. Next, why would anyone make a payment for toward their credit cards, only for them to be restricted of usage. The aburdity, seemingly, its better to hang on to the payment until the " government '' decides what transitioning from credit bureaus looks like. Moreover, restricting one 's usage of their available credit after a payment during these times is deceptive, cruel, and most definitely unusual.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

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

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

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

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

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

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: CT

Complaint narrative:
I previously filed a CFPB complaint ( ID # XXXX ) regarding a fraudulent CashNetUSA account that has been repeatedly sold to new debt collectors. XXXX XXXX confirmed on XX/XX/year>, that they no longer handle the account and referred me to XXXX XXXX, XXXX, the current creditor. This account is the result of identity theft, as shown in my attached police report and previous correspondence. I am requesting that XXXX XXXX permanently flag the account as fraudulent, cease any future collection activity, and prevent it from being resold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX To : Capital One Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request to Remove Unauthorized Hard Inquiry from My Credit Report Dear XXXX  I am writing to formally dispute a hard inquiry that appears on my credit report, which I do not recognize nor authorize. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a credit reporting agency may only furnish a consumer report when a consumer has given written permission. 

The inquiry in question is listed as : Creditor/Company Name : Capital One Date of Inquiry : XX/XX/XXXXXXXX  I have no recollection of applying for credit or giving written consent for this company to access my credit report. Therefore, I request that this inquiry be deleted immediately from my credit file as an unauthorized access. 

Please conduct an investigation pursuant to FCRA 611 ( a ) and provide : 1. The date and method of my alleged authorization ; 2. A copy of the signed application or consent that permitted this inquiry ; 3. Written confirmation once the inquiry has been removed.

If the credit bureau can not verify that this inquiry was authorized, it must be deleted from my credit report immediately. 

Please send me a confirmation letter of your findings and an updated copy of my credit report once your investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because I urgently need assistance obtaining a simple written confirmation from Chase stating that my credit card account ( ending in XXXX ) has a XXXX balance after being paid in full. 

Despite multiple phone calls and speaking with at least five separate Chase representatives, I have been repeatedly told that no one can provide this basic documentation in less than 7-14 days which is unacceptable.My mortgage approval and the rapid restoration process are currently being held up solely because of Chases refusal to issue a simple written statement confirming that my account is paid in full and carries a XXXX balance. The delay is jeopardizing my home loan and, ultimately, my financial future. 
This refusal has completely stalled my mortgage process, which is under a strict and time-sensitive deadline. My lender requires this written verification for a rapid rescore, and Chases inaction is now jeopardizing my ability to close on my home. 

I am requesting that the CFPB intervene to ensure Chase issues a written statement confirming that the account is fully paid and carries a XXXX balance. This is a simple, factual document that should be easily obtainable. I have proof of this transaction being complete and cleared through my bank. 

Thank you for your prompt attention and assistance with this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
To Whom It May Concern, I recently tried to file a FTC report but due to the gov shut down. I Have no Access to FTC website. 

I am submitting this formal complaint and dispute pursuant to both the Federal Trade Commission ( FTC ) and the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft and have discovered fraudulent information appearing on my credit report. 
Under FCRA 605B, credit reporting agencies are required to block and delete all information resulting from identity theft within four ( 4 ) business days of receiving this notice and sufficient proof of identity.

The following accounts have been identified as fraudulent and must be immediately blocked, deleted, and removed from my credit file : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} - Date Opened XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX 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