vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to block fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$18.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-09-29 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: FL

Complaint narrative:
I am following up regarding several unauthorized inquiries that continue to appear on my credit report. These inquiries were never authorized, and their continued reporting misrepresents my financial history and negatively impacts my creditworthiness. I am requesting that they be permanently removed from my credit file. 
The inquiries from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were not XXXX or initiated by me. Reporting these inquiries violates FCRA XXXX XXXX XXXX. XXXX, FCRA XXXX ( f ) XXXX XXXX. XXXX ( f ), and FCRA XXXX ( a ) XXXX XXXX. XXXX ( a ). Their continued presence is inaccurate, unauthorized, and harmful.

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 2025-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I deposites my checks in my account they cleared and are just sitting in my account. Its been to month s of them just holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against CITI a CITI to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a disp
ute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. CITI XXXXXXXX XXXX XXXX XXXX XXXX XXXX CITI 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 2025-09-29 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: CA

Complaint narrative:
Im contacting you regarding an account currently showing on my credit report that is completely inaccurate and not mine. After reviewing my report carefully, I noticed that this account has absolutely no connection to me, and I need it to be corrected immediately. 

From what I can tell, this is a case of mixed or misreported information, and it is now affecting my credit profile in a way that is both unfair and unacceptable. Whether it was reported in error or linked to my file due to a data entry mistake, the bottom line is this : I have no affiliation with this account, I did not open it, and I have no responsibility for it. 

This kind of reporting not only violates the standards of accuracy outlined under the Fair Credit Reporting Act ( FCRA ), but its also actively harming my ability to maintain a healthy financial standing. Under Section 607 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. That standard is clearly not being met here.

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 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My student loans are supposed to be forgiven as well as the loans should not be reported late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
b'Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect \nmy actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is \ninconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act (FCRA), \n15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 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 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an unsecured loan account opened at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, under the account number XXXX, a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$66.00}, a collections account opened at XXXX  XXXX on XX/XX/XXXX with a balance of {$4200.00}, a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXX, an unsecured loan account opened at XXXX on XX/XX/XXXX, under the account number XXXX, and an unsecured loan account opened at XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copies of FTC Identity Theft Criminal Complaint # XXXX, # XXXX and # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
This complaint is submitted to replace the current open Complaint # XXXX. I request this opened complaint submitted on XXXX be closed and new complaint opened with intent to correct the record. A response by the Company on XX/XX/year>, to Complaint # XXXX opened on XXXX by OCC referral XXXX was viewed with only 1 attachment visible at that time initiating the XXXX complaint. Therefore this complaint will stand as the correction record which includes documentation, certified mailing confirmations and correction notice disclosures. The Company 's " Conversion Letter '' remains the complaint main violation, the Failure to Convert to Fixed Rate is still the Priority. 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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you arerequired to cease all collection activities until you provide adequateverification of the alleged debt. Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1. Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency. 2. A full itemization of the alleged debt, including principal, interest, fees, and all charges. 3. Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt. 4. Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as Perry v .

Stewart Title Co., 756 F.2d 1197 ( 5th Cir. 1985 ). Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in FDIC v. United Pac. Ins. Co., 20 F.3d 1070 ( 10th Cir. 1994 ). Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in Carpenter v. Longan , 83 U.S. 271 ( 1872 ), which supports the principle that the note and security instrument can not be separated. Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the
Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. MIDLAND CREDIT MANAGEMENT , INC . Original Creditor : XXXX XXXX XXXX. Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute the accuracy of the information being reported on my credit file regarding my XXXX XXXX XXXX account, number XXXX. Upon a careful review of my Equifax, Experian and TransUnion credit report, I identified multiple discrepancies related to this account, and I am requesting that these inaccuracies be promptly corrected to ensure full compliance with the Fair Credit Reporting Act ( FCRA ). 
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 2025-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a documented victim of identity theft. My personal information was compromised in the TransUnion data breach, as confirmed publicly by the company. Despite my providing TransUnion with all required documentation including an FTC Identity Theft Report, proof of identity, and proof of residence TransUnion continues to knowingly report inaccurate and harmful information on my credit file. 

Specifically : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX is being reported inaccurately. This account has been paid on time with no late payments, yet TransUnion continues to associate it with derogatory reporting. 
XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX was closed on XX/XX/year>, and the furnisher confirmed that it was paid and closed. Despite this, TransUnion is reporting a XXXX late payment after closure, which is false and defamatory. 

TransUnions actions violate multiple provisions of the FCRA, including but not limited to : 605B ( 15 U.S.C. 1681c-2 ) : Failure to block identity theft accounts within 4 business days.

611 ( 15 U.S.C. 1681i ) : Failure to reasonably investigate disputes.

607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum possible accuracy of consumer reports.

Harm Caused : Emotional distress and reputational harm from being inaccurately portrayed as delinquent. 
Denial of credit and loss of creditworthiness due to false derogatory reporting. 
Financial harm tied to higher costs of credit and lost opportunities. 
Continued trauma as a data breach victim whose information TransUnion failed to safeguard.

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 2025-09-29 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which Data Furnisher confirmed would be removed but remains on my report ; it is an identity theft-related and should have been blocked under 1681c-2 of the FCRA.

Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing
to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reporting my the payment of my vehicle inaccurately. My vehicles payments are current and are not delinquent yet they are reporting my payments as though they are. Ive called and verified with XXXX XXXX XXXX and they have assured me that they have been reporting all of my payments positively as they have all been made on time. I have proof that can be provided of those payments to go along my current payment history as well to verify the validity of this complaint. Please help me, this is unfair, unacceptable and unfortunate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CBC Companies, Inc.
State: OH

Complaint narrative:
I was trying to get a new truck when I saw several unkown accounts on my credit fi le from companies I have never done business with. I am disputinga FCRA 15USC 1681 AND FDCPA 15 USC 1692 Unverifi able 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 I have reported these items to CFPB and XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief