vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: NC

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 id-entity 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 XXXX 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 complete and accurate.

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 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Original loan paid due to accident.Gap insurance was used. Company claims i still owe. Original loan date is XXXX XXXX XXXX XX/XX/scrub>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 monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to sue me for a debt that is not mine.. i had already filed an ftc theft report. and had the account blocked off my credit.. i guess they got mad and trying to sue...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I paid the amount due for the remaining balance of my loan and they reported the remaining amount as a charge off after it was late. I tried to dispute it through all three credit reporting companies and they have now changed it to Paid, closed, with said amount written off. How is it that I paid the full amount due to them and they can put a charge off ( one the worst things you can put on someone's credit ) on my credit report and deem the amount written off on my credit report? I paid this amount and they have ruined my credit score after paying them on time every month from the day I started the loan with them. Hyundai Financial is the worst company I have ever done business with. Everytime I would speak with someone not one person would give me an answer to any question I ever had. I was told by one girl that worked there that I wasnt allowed to keep my car and every single time I asked to speak with someone higher up I was either questioned " why '' or " i would just be told the same thing. '' I was never late and the only reason the ending amount was paid when it was was due to insurance payment and XXXX insurance doing their side of things. I dont believe that a company should be able to ruin someone's credit if the person pays the amount literally 14 days after the due date and then claim the amount was a charge off/written off because my check was cashed by XXXX XXXX so they received their money. So if they truly wrote the amount/charged off as they are claiming on my credit report then send me my {$4900.00} back because if I get my credit ruined and im out the money Im losing both ways.

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 2025-11-25 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: KY

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be maximally accurate. These errors are severely impacting me and continuing to cause significant negative effects that you can not fully comprehend. These are challenging times, and correcting or removing these inaccuracies would be a substantial relief.

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 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IN

Complaint narrative:
I attended XXXX XXXX in XXXX Indiana XXXX. I graduated in XXXX of XXXX, where I was not given my actual diploma but was told while crossing the stage I had to pay over {$200.00} to receive my paper diploma from the school. I was a work study student and paid every single week to attend college there. I paid for my school, I DID NOT pull out student loans. That is one thing I swore I never would do! I was blown away when 6 months after graduating I received a notice of student loans that I was responsible for! Me being young I set up a low payment option through XXXX to save my credit. I quickly became suspicious and immediately stopped paying wondering why in the world I have loans if I paid to attend?! The strangest part, someone was paying on these loans after I stopped?!? Who was making these payments?! A few years later the school got shut down and there was a lawsuit opened by students for this exact problem! But I couldnt be included in this lawsuit because of the time frame I attended the school. Fast track to XXXX, this year, I have always put my education on applications. XXXX of this year I had a background check done for my current job. I almost did not get this job because my background check could no detect any record of a degree or even some schooling at XXXX XXXX associated with my social. So what in the actual heck is really going on?!? This needs to be removed my credit, I did not pull out those loans and I refuse to pay on something that is not mine. Look at my current payments of loans I have in my name, all paid on time, why? Because they are my responsibility! These student loans are NOT mine and I will NOT pay them.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting a bankruptcy that does not belong to me and does not exist in any official court record. Experian is the only credit bureau reporting this false information. Neither XXXX  nor XXXX  report any bankruptcy on my credit file.

I obtained an official U.S. Bankruptcy Court Certificate of Search, covering XX/XX/XXXX through XX/XX/XXXX, which confirms no bankruptcy has ever been filed under my name or Social Security number. In addition, XXXX XXXX XXXX, which provides bankruptcy/public record data to the credit bureaus, completed a reinvestigation and removed the bankruptcy from their system, confirming that it does not belong to me. 

Despite this, Experian continues to report a bankruptcy that has no legal source, no court record, no furnisher, and no verification. Bankruptcy courts do not report directly to credit bureaus, so Experian must identify where they obtained this fabricated information. Experian has not provided a valid Method of Verification and has not removed the item even after proof was provided.

This false bankruptcy is damaging my credit, limiting my ability to obtain credit, and causing financial harm.

Experian has failed to comply with multiple sections of the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 2 ) Failure to properly notify and act on furnisher corrections 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete inaccurate or unverifiable information 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a valid Method of Verification 15 U.S.C. 1681n Willful noncompliance 15 U.S.C. 1681o Negligent noncompliance I am requesting the CFPBs assistance in compelling Experian to comply with federal law and remove this fraudulent bankruptcy from my file immediately.

I have attached the following : U.S. Bankruptcy Court Certificate of Search showing no bankruptcy exists XXXX Removal Letter confirming the bankruptcy was deleted Copy of my Experian dispute communications Identification and proof of address Formal demand and intent-to-sue letters sent to Experian Corporate

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 2025-11-25 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2025-11-25 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: KS

Complaint narrative:
I have been disputing all four of my XXXX XXXX accounts for over a year, and Equifax has ignored and refused to reinvestigate the illegal information that XXXX XXXX is reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: OH

Complaint narrative:
I believe I owe the bank. But I know I had several account that were open closed and I wont lie I didnt keep track because I would move jobs and close these account then move to a closer location with key bank open new account. I think it looks strange and trigger internal team but I was not even 18 for most and dont know anything about an account. I would like to correct my wrongs and have a chance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: WA

Complaint narrative:
I am submitting this follow-up to formally dispute several inaccurate or unverifiable items currently being reported on my credit file. After reviewing my recent credit report, I identified account information and inquiries that appear to be reported in error or without proper verification. These inaccuracies misrepresent my financial history and negatively impact my creditworthiness. 

The disputed accounts and information include, but are not limited to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX  Original creditor XXXX XXXX XXXX  XXXX XXXX Balance {$31000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: WA

Complaint narrative:
I am submitting this follow-up to formally dispute several inaccurate or unverifiable items currently being reported on my credit file. After reviewing my recent credit report, I identified account information and inquiries that appear to be reported in error or without proper verification. These inaccuracies misrepresent my financial history and negatively impact my creditworthiness. 

The disputed accounts and information include, but are not limited to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX  Original creditor XXXX XXXX XXXX  XXXX XXXX Balance {$31000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-25 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: FL

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 TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2025

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
So i had a Huntington bank account in XXXX and i loved my bank account. I was looking for work and got caught up in a new scam going around where oh Ill send you a check to get me appliances and you take your part for doing etc. had not a clue I deposited the check and he shut down my account. I owed them like XXXX bucks I didnt wan na pay it because I was lied to too but so eventually I paid and their internal pretty said thank you for the payment you never allowed to have account with us and we cant give you any information thats not fair. So I am requesting a chance to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
US Official caused a XXXX debt using XXXX XXXX XXXX while XXXX  me and XXXX  compromised in XXXX. 

You can find her name by contacting the XXXX XXXX, Federal Reserve, and US Congress. 

XXXX XXXX XXXX was the company used to accrue the debt.

Racism evidence ( denying legal SSA Disability ) was used to keep me from paying the creditor Dividend ( Ohio ).

This US Official has me enslaved with Inhumanity Extremism by controlling my accounts.

Therefore it's HIGHLY probable she had the original creditor Dividend charge off the account to XXXX XXXX XXXX ( GA ) about 3 months before my SSA Compassion Allowance retirement started.

Please contact the XXXX XXXX and the Federal Reserve for details.

As a result of my submissions this US Official increased the slavery against me.

It's contingent on me moving and selling my house to avoid XXXX  by the US Official.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Please see the attached formal request regarding the vague and incomplete notice of closure for my Bloomingdales American Express Card. I initially reached out seeking assistance due to a recent and significant financial hardship affecting both myself and my family.

This card has been one of my most valued accounts, and I truly hate to lose it after maintaining a long-standing relationship with Bloomingdales and Citibank. I am respectfully asking whether there is any possibility of reinstating the account, placing it under review, or working with me to find an alternative solution so that our positive relationship may continue. 

I appreciate your time and your willingness to reconsider this situation. I look forward to hearing from you soon.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 explanation