vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: WI

Complaint narrative:
Subject : Formal Complaint Against TransUnion, Experian, and XXXX for Inaccurate and Fraudulent Reporting of Bankruptcy Information Dear CFPB Investigator, I am filing this complaint to formally dispute the continued, unlawful reporting of a XXXX XXXX Bankruptcy on my consumer credit reports by TransUnion, Experian, and XXXX XXXX XXXX. I have disputed this erroneous information for over XXXX years and have submitted the following documents proving its inaccuracy : XXXX. A direct letter from the U.S. Bankruptcy Court ( Wisconsin ), affirming that it does not furnish or report data to credit agencies.

2. A signed email from the PACER ( Public Access to Court Electronic Records ) Service Center confirming they do not report or contact any credit bureaus.

3. Multiple written disputes and demands for reinvestigation sent to each agency. 

Despite this, these agencies have continued to report the bankruptcy as " verified '' without identifying the original sourceconstituting fraud, misrepresentation, and multiple violations of federal law. 
Legal Violations Cited : - Fair Credit Reporting Act ( FCRA ) : - 15 U.S.C. 1681i Failure to investigate and correct inaccurate information - 15 U.S.C. 1681b Lack of permissible purpose for continued reporting - 15 U.S.C. 1681n/o Willful and negligent noncompliance, entitling me to damages - Privacy Act of 1974 Violations of data use and disclosure without consent - FERPA ( Family Educational Rights and Privacy Act ), 20 U.S.C. 1232g While primarily educational, this law establishes precedent for data misuse and record correction rights that apply to federal recordkeeping systems.

- 18 U.S.C. 1028A Aggravated Identity Theft, where false data attribution has harmed my standing, reputation, and credit capacity.

I demand : - Immediate deletion of the inaccurate bankruptcy entry from my credit file - Written confirmation of resolution from all three agencies - Investigation into how this data was verified despite denials by the original data holders ( PACER and the Court ) - Accountability for damages due to false reporting and failure to respond adequately to disputes If the CFPB fails to take action after this final complaint, I will proceed with a lawsuit and notify the Office of Inspector General, the FTC, and the DOJ Public Integrity Section.

Attached are verified copies of the letters from PACER and the U.S. Bankruptcy Court.

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 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle, a XXXX digital wallet, through my personal XXXX  checking account. 
2 transactions of {$500.00} on XX/XX/year>2025 were withdrawn from my account and sent to a XXXX XXXX XXXX, and shortly after, a payment of {$800.00} was withdrawn and sent to the same user. 
On XX/XX/scrub>, 2025, a zelle payment was sent to a XXXX XXXX of the amount {$500.00}. 
I did not authorize these transactions, so i reported it to XXXX and they said for those transactions my account was accessed through my fingerprint, which is untrue. And that i would have to contact zelle, but zelles support website prompts to report through my bank, or to report fraud to the FTC, and their main website prompted me to report this matter here. I've made several attempts to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: NY

Complaint narrative:
Credit International Corporation has left repeated voicemails and then sent emails once their phone number was blocked. They allege a debt of {$7700.00} is owed to a company called XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX. Additional information was requested. None was provided.

Litigation ( in the State of California ) was threatened against me personally and my company. 

The name of the individual who made initial contact is " XXXX XXXX '' but subsequent emails were sent from their " litigation '' email address.

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 2025-08-16 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: OH

Complaint narrative:
Complaint Narrative Experian Failure to Comply with FCRA 605B On XX/XX/year>, I submitted a block request under FCRA 605B to Experian regarding a fraudulent account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). 

Along with my request, I provided : - A valid FTC Identity Theft Report ( as defined by FCRA 603 ( q ) ) - Proof of my identity ( drivers license, Social Security card ) - Proof of my address ( bank statement ) - A written request specifically invoking 605B Under FCRA 605B ( c ) ( 1 ), Experian is required to block the reporting of the fraudulent information within XXXX business days of receiving this documentation. 

Instead, on XX/XX/year>, Experian responded that they had verified and updated the XXXX account. This action is in direct violation of FCRA 605B, which does not authorize Experian to verify information with the furnisher before blocking. Verification is not permitted ; blocking is mandatory once the consumer provides proper documentation. 

On XX/XX/year>, I mailed a certified follow-up letter to Experian resubmitting all documentation and reiterating my 605B request. In that letter, I made clear that this is not a dispute under 611. This is a block request, and due to Experians willful violation of my rights, I am now escalating this to a block DEMAND. 

I have complained against this company numerous times and they always respond with a generic response and the CFPB has allowed this. I am requesting ACTUAL ACCOUNTABILITY and INVESTIGATION on this matter!

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 2025-08-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Perpay, Inc.
State: VA

Complaint narrative:
I started credit balance XXXX now I'm.doen.to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my 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 non-monetary relief
Consumer complaint received 2025-08-16 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: AZ

Complaint narrative:
This letter serves as formal notice that legal action has been initiated against XXXX for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibiting the reinsertion of previously deleted accounts unless the furnisher certifies the accounts accuracy and the consumer is notified in writing within 5 business days.

15 U.S.C. 1681s-2 ( b ) Requiring furnishers of information to conduct a reasonable investigation and provide proper documentation upon dispute.

15 U.S.C. 1681i ( a ) ( 1 ) Requiring credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Despite these statutory protections, XXXX reinserted a fraudulent XXXX account that was previously investigated, found invalid, and permanently removed. 

Furthermore, XXXX has failed and refused to provide any supporting documentation validating this alleged account, despite my repeated written requests. Their noncompliance with 15 U.S.C. 1681i ( a ) ( 1 ) and 1681s-2 ( b ) invalidates any claim of accuracy and renders the reinsertion unlawful. 

I am now placing TransUnion and Equifax on direct notice : You are strictly prohibited under federal law from reporting, re-inserting, or verifying any fraudulent account that has already been deleted. 

I explicitly do not consent to any verification through the e-OSCAR system, as this is not a lawful reinvestigation under the FCRA. 

Any attempt by your bureaus to reinsert, report, or verify this fraudulent XXXX account will constitute a knowing and willful violation of the FCRA, exposing your companies to civil liability, statutory damages, punitive damages, and attorneys fees. 

This letter serves as your final warning. If either bureau engages in unlawful reporting or reinsertion of this fraudulent account, I will have no choice but to expand my legal action to include TransUnion and Equifax. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX Re : Complaint Voluntary Repossession / Violation of Privacy To Whom It May Concern, I am filing a complaint against STELLANTIS FINANCIAL SERVICES for reporting a voluntary repossession on my credit file. This reporting is inaccurate, unverifiable, and a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ). 
The creditor has not provided documentation proving their right to disclose or publish this information. The continued reporting is unauthorized and is causing ongoing harm to my creditworthiness. 
I am requesting that the CFPB require the creditor to cease and desist reporting this repossession and remove the entry from all consumer credit bureaus ( XXXX XXXX XXXX XXXX ). 
Enclosed are copies of my credit report and identification for verification. 
Thank you for your prompt attention. 

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After disputing with XXXX. It got removed. But now some of them are on trans union. And trans union is reporting accounts that are not mine. Which keeps my score way lower than XXXX. Now please remove all of theses accounts.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
TransUnion and Equifax have reinserted an account from XXXX XXXX XXXX XXXX XXXX ( {$1300.00} ) that was previously deleted from my credit report. They did not provide any notice of reinsertion as required under FCRA XXXX ( A ) ( XXXX ) ( B ). This is inaccurate reporting and violates FCRA XXXX ( B ). I am requesting immediate and permanent deletion of this account from my credit files, as it should not have been reinserted without proper certification and notification. 

I am requesting that this account be permanently deleted from my credit reports with TransUnion and Equifax and that it can not be reinserted unless full compliance with the FCRA is met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
TransUnion and Equifax have reinserted an account from XXXX XXXX XXXX XXXX XXXX ( {$1300.00} ) that was previously deleted from my credit report. They did not provide any notice of reinsertion as required under FCRA XXXX ( A ) ( XXXX ) ( B ). This is inaccurate reporting and violates FCRA XXXX ( B ). I am requesting immediate and permanent deletion of this account from my credit files, as it should not have been reinserted without proper certification and notification. 

I am requesting that this account be permanently deleted from my credit reports with TransUnion and Equifax and that it can not be reinserted unless full compliance with the FCRA is met.

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 2025-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
In XXXX or early XX/XX/year>, I spoke with a MOHELA representative by phone and explained that I was unemployed and seeking guidance on my repayment options. She placed me on hold and never returned or followed up. I was not offered any information about deferment, forbearance, or warned that I would be reported late. 
On XX/XX/year>, I discovered that a XXXX delinquency had been reported to TransUnion, which caused an XXXX drop in my credit score. This occurred just days after I submitted a federal XXXX XXXX consolidation request in pursuit of loan forgiveness. 

I am currently unemployed and receiving state unemployment benefits, which can be verified. This loan originated over 30 years ago and was used to attend XXXX for an XXXX XXXX. 

I have filed a dispute with XXXX  and request that this late mark be removed or corrected to reflect a status of temporary hardship or forbearance, given the timeline and lack of support from the servicer during my attempt to resolve the situation.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc.
State: IA

Complaint narrative:
Professional Credit Service, a collection agency of ill repute, that has thousands of complaints, has illegally inflated a prior bill from XXXX  in XXXX, to an amount that would be allowed to be put on my credit report. It was a bill for a much smaller amount, that was covered by insurance and should have been run through my health insurance in accordance with the law. This bill was XXXX percent covered by my health insurance which would leave it paid in full. This information was conveyed to prior companies also attempting to collect this same supposed debt, as well as Professional Credit Service. Bottom line, Professional Credit Service took an old bill, that was covered by insurance, that if XXXX ran through said insurance, ( which in accordance with the law they are required to do ), would have been fully paid and satisfied. In an attempt then to extort money, Professional Credit Service created a new bill of an amount that would allow them to skirt the law on medical debt and place their fake bill on my credit reports. I have contacted XXXX XXXX  who claim Professional Credit Service does not represent them and is illegally collecting this false bill of a completely fabricated amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief