vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-25 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 recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history...

Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or unverifiable information. I have never opened or authorized this account, nor have I received validation of the debt per FDCPA 809 ( 15 U.S.C 1692g ). If this account is verified, provide the original signed contract and complete payment history ; otherwise, remove it from my report immediately.

Action Requested Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office

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 2025-03-25 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered multiple inaccuracies that are negatively impacting my credit profile. These errors include unauthorized credit inquiries, an incorrect derogatory account. These inaccuracies are misleading and must be corrected immediately to ensure my credit report accurately reflects my financial history...

Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting inaccurate or unverifiable information. I have never opened or authorized this account, nor have I received validation of the debt per FDCPA 809 ( 15 U.S.C 1692g ). If this account is verified, provide the original signed contract and complete payment history ; otherwise, remove it from my report immediately.

Action Requested Under the FCRA, credit bureaus must complete an investigation within 30 days. I demand written confirmation that these items have been removed or corrected. Failure to comply with federal law will result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals Office

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 2025-03-25 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: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act ( FDCPA ) in the U.S., when you request debt verification from a credit bureau or a debt collector, they must provide information proving the validity of the debt. CFPB Report XXXX Equifax Did not provide : Proof of the debt The name of the original creditor and the amount owed. 

Verification of ownership A breakdown of the debt, including fees and interest.

Statement of consumer rights A notice that you have the right to dispute the debt.

Original creditor 's information If different from the current collector, the name and address of the original creditor.

Proof that they have the right to collect They must confirm they have the legal right to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. I am demanding a deletion of the following account. Here is the account that I am asking you to verify : XXXX : acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I recently got a copy of my credit report and noticed some fraudulent inquires that was made on my credit profile I called creditor and the credit bureaus, and they told me it was nothing they can do. I've also sent letters no response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OK

Complaint narrative:
I have repeatedly called and sent messages, beginning XXXX XXXX, 2025 to find out the status of my discharge. According to the studentaid.gov website I have XXXX out of XXXX payments made to qualify for discharge. I have requested a loan discharge confirmation timeline and was told no they wont do that because they dont have to do anything right now because of the forbearances issued by the federal courts. I have asked studentaid.gov and they tell me to call Mohela and Mohela tells me to call Studentaid.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 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 have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I called them on XX/XX/XXXX as well as wrote them a letter on XX/XX/XXXX about some names wrong as well as my work not correct. I was told that they would correct it but still have not done so.

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 2025-03-25 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Experian Information Solutions Inc. due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Details of the Account in Dispute : Account Number : XXXX, XXXX Creditor Name : XXXXXXXX XXXX XXXX XXXX Incorrect information identified in reports from all three credit bureaus. Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal. Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-03-25 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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Late/Open- XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed - XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed- XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge-off- XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: OH

Complaint narrative:
Dear Credit Agency, I am writing to formally dispute the reporting of a late payment on my credit report associated with the account listed below. As a consumer, I have the right to ensure that all information reported about me is accurate, fair, and compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
Account Details : Creditor Name : [ XXXX ] Account Type : Charge Card Date Opened : XX/XX/XXXX Highest Balance : {$110.00} Status : Paid, Closed as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Reported Late Payment : XX/XX/XXXX Based on my records, I believe the late payment reporting for XX/XX/XXXX is inaccurate. According to the FCRA ( 15 U.S.C. 1681 ), furnishers and credit bureaus must ensure the maximum possible accuracy of information reported. Additionally, under Metro 2 compliance standards, any reported delinquencies must accurately reflect the account 's true payment history. 
I kindly request a thorough investigation of this matter and the removal or correction of the inaccurate late payment from my credit report. Enclosed are copies of relevant documents supporting my dispute, including my payment records. 
Please notify me of the results of your investigation in writing at your earliest convenience. Should additional information be needed, feel free to contact me directly. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Dear Credit Agency, I am writing to formally dispute the reporting of a late payment on my credit report associated with the account listed below. As a consumer, I have the right to ensure that all information reported about me is accurate, fair, and compliant with the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
Account Details : Creditor Name : [ XXXX ] Account Type : Charge Card Date Opened : XX/XX/XXXX Highest Balance : {$110.00} Status : Paid, Closed as of XX/XX/XXXX Last Payment Date : XX/XX/XXXX Reported Late Payment : XX/XX/XXXX Based on my records, I believe the late payment reporting for XX/XX/XXXX is inaccurate. According to the FCRA ( 15 U.S.C. 1681 ), furnishers and credit bureaus must ensure the maximum possible accuracy of information reported. Additionally, under Metro 2 compliance standards, any reported delinquencies must accurately reflect the account 's true payment history. 
I kindly request a thorough investigation of this matter and the removal or correction of the inaccurate late payment from my credit report. Enclosed are copies of relevant documents supporting my dispute, including my payment records. 
Please notify me of the results of your investigation in writing at your earliest convenience. Should additional information be needed, feel free to contact me directly. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a United States XXXX Veteran. My sir name is incorrect, I am a XXXX, not a XXXX. or a XXXX  as it is on my Birth Certificate, California Real ID and my Military XXXX. I have unauthorized Hard Inquiries on my credit report. I'm in the hospital a lot and not able to walk well so I don't get my mail often. I tried to tell them that I did not authorize this inquiry, but they did nothing, along with many other inquiries on my credit reports. I do not authorize this inquiry and is still trying to figure it out how this happen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently review a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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 recently review a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit

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 2025-03-25 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: SUN LOAN COMPANY INC.
State: NM

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian ( or XXXX ) has failed to provide access to my credit report for over [ X ] months. Despite submitting all required identification documents, they continue to state they can not identify me. This is harming my ability to verify my credit, apply for financial products, and manage my credit standing. 

I filed a dispute with them in XX/XX/year> that went unresolved.

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 2025-03-25 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:
Experian, Equifax, and TransUnion has failed to fulfill its leg obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation