vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
We have filed a dispute with Experian and have been trying to set up credit freezes and fraud alert on our SSN 's ( My wife and I ). Her SSN got stolen in a hack, and was used unauthorized to open a credit line. We have been trying to make an account on the Experian website to, file a dispute, track the dispute, establish credit freezes and establish fraud alerts. However every time we try to create an account there is some sort of error. To our knowledge we don't have existing accounts. 

We have finally been able to establish all of this via XXXX fraud services. But now we can't track any of the progress or make any adjustments because we don't have an account and can't create one. We have tried calling just about every phone number that is available on their website but none of them go to an actual person. All of them go to a robot that seems to be specifically designed not to get people in touch with actual employees of Experian and it just hangs up the call by itself when it get 's stuck, doesn't know an answer or how to help any further. 

We've gone through help articles and other tools none of it gets you in touch with an employee. All of it needs an actual account to see/change anything personal. 

We finally got in touch with an actual Experian employee but had to do this via XXXX fraud services and then have XXXX fraud services connect us to Experian through their internal phone transfer systems. This person was helpful with the dispute information and able to provide us with up to date information but was not able to help us with setting up an account so that in the future we have access to and are able to see/change our personal information and notifications. 

It's extremely frustrating to have to jump through these hoops to get information that is crucial for us in terms of next steps and securing our personal information that has been abused. We do not trust anything in our postal mail, email or phone anymore because we've been targeted by identity theft and the only way that feels secure to us is to go to actual websites of these credit reporting agencies/banks etc and logging in through their portals. 

It shouldn't be this complicated for us to get help from a human being to resolve an account issue and get accurate information, especially in a situation where identity theft is involved.

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 2025-12-29 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: EQUIFAX, INC.
State: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-29 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/year>, my student loans were forgiven. There were several loans discharged. Mohela is still showing a loan in the amount of {$66000.00} which was last updated XX/XX/year> after my loans were discharged. I disputed this amount and the result stated " updated '' and the amount is still there.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Went to XXXX XXXX with a pre approval from XXXX XXXX. XXXX sales person, told me that they would not honor my pre approval with XXXX XXXX and I had to use a different lender. XXXX found another approval from XXXX XXXX XXXX XXXX and the interest rate was 14 % higher. Pressured me into taking this as they refused the XXXX XXXX pre approval. Signed begrudgingly as I needed a car immediately. Looked at my interest rate from XXXX which is 26.99 % on a {$32000.00} loan. Which in turn would have me paying just over $ XXXX on vehicle. 


Looking at the contract, it appears that over the life of the loan, I am paying over 100 % as I am going to be paying over XXXX on a $ XXXX vehicle. Spoke to XXXX supervisors at XXXX XXXX XXXX, both confirmed on recorded lines that the loan is set up for me to pay over 100 % interest, which is considered predatory.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION WITH, NOR RESPONSIBILITY FOR, THESE ACCOUNTS. THESE ENTRIES ARE INACCURATE AND UNVERIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 2025-12-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax 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 and Equifax inaction violates federal law and my rights as a consumer.

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 2025-12-29 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: NC

Complaint narrative:
This account has been previously disputed, yet XXXX XXXX XXXXXXXX continues to furnish materially inaccurate, contradictory, and factually impossible information, resulting in ongoing consumer harm. 



GROUNDS FOR IMMEDIATE DELETION 1. Conflicting & Duplicate Tradeline Reporting XXXX XXXX XXXX is reporting multiple versions of the same account with irreconcilable differences, including but not limited to : One tradeline reporting a credit limit and high credit of {$0.00} Another tradeline reporting a credit limit and high credit of {$3500.00} One tradeline reporting 50 late payments, while another reports 0 late payments Conflicting account types and reporting periods for the same obligation These contradictions violate FCRA 623 ( a ) ( 1 ) ( A ), which requires information furnished to consumer reporting agencies to be complete and accurate. 



2. Factually Impossible Balance & Utilization Reporting XXXX XXXX XXXXXXXX is simultaneously reporting : High Balance : {$0.00} Current Balance / Amount Past Due : {$6500.00} Utilization : 187 % A high balance of {$0.00} can not produce a charged-off balance or over-limit utilization. These data points can not logically coexist and render the tradeline factually impossible. 



3. Contradictory Delinquency History XXXX XXXX XXXXXXXX reports multiple, conflicting delinquency histories for the same account, including : 130 / 460 / 5090 days late on one tradeline 030 / 060 / 090 days late on another Statements indicating 0 % of payments were made on time These reporting claims can not all be true simultaneously, violating accuracy and completeness requirements under the FCRA. 



4. Illegal Monthly Charge-Off Reporting ( Re-Aging ) The account is reported with monthly Charge-Off status continuing through XXXX and XXXX, despite last activity occurring years earlier. 

A charge-off is a one-time accounting event, not a recurring monthly status. Continued reporting in this manner constitutes illegal re-aging, prohibited under : FCRA 623 CFPB guidance Metro 2 reporting standards 5. Failure to Correct After Prior Dispute The tradeline reflects that a prior dispute was marked as resolved, yet all material inaccuracies remain. 

This demonstrates a failure to conduct a reasonable reinvestigation, in violation of FCRA 623 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to formally request the correction and deletion of inaccurate personal information currently reported in my credit file. Upon reviewing my credit report, I have identified discrepancies that must be addressed immediately to ensure compliance with federal law and to protect my creditworthiness and identity verification processes. 
CONSUMER BACKGROUND As a consumer exercising my rights under FCRA Section 611 ( a ), I am entitled to have only accurate, complete, and verifiable information in my credit report. Any inaccurate or outdated personal information directly affects my ability to obtain credit, secure housing, and pass identity verification checks. Therefore, I respectfully demand the correction of the following items : ITEMS REQUIRING CORRECTION 1. Incorrect Name Variation Currently Listed : XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX Consumer Note : This variation has never been associated with my identity and is creating unnecessary risk of misidentification. I have enclosed a copy of my government-issued ID to verify my correct legal name. 
2. Outdated Address Information Currently Listed : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Correct Current Address : XXXXXXXX XXXX XXXX XXXX Consumer Note : My current residence is verified through the enclosed utility bill and bank statement. The outdated address must be removed to prevent confusion and inaccurate identity checks. 

FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully demand that Equifax : Conduct a reinvestigation of these disputed items within 30 calendar days, as mandated by federal law. 

Correct and update my personal information to reflect accurate, verifiable, and current data. 
Permanently delete any and all incorrect name variations from every file associated with my credit report. 

Provide me with written confirmation of all corrections, deletions, and updates made. 
Send me an updated copy of my corrected credit report at no charge, as required by the FCRA once a dispute has been resolved. 

SUPPORTING DOCUMENTATION To assist your reinvestigation and expedite compliance, I have enclosed the following documents as verification : Government-issued photo ID ( Drivers License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone number Recent phone bill verifying my current contact number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
I am submitting this complaint regarding a debt reported and collected by Harris & Harris XXXX XXXX  XXXX Ltd. that resulted from identity theft and unauthorized use of my personal information. 

I did not authorize, expressly or impliedly, any agreement giving rise to this alleged obligation. I never provided a wet-ink or electronic signature, never consented to disclosure of my personal information to third parties, and never agreed to reporting to any consumer reporting agency by any medium. 

I believe my identity and personal information have been compromised, as this account has been attributed to me without authorization. 

I have formally disputed this debt in writing pursuant to the Fair Debt Collection Practices Act and demanded validation. Despite this, collection activity and/or credit reporting has occurred or is threatened. 

I am requesting that this account be deleted, all collection activity cease immediately, and that my credit file be corrected in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a call XXXX demanding payment for a XXXX - XXXX credit card statement that I never received. I did receive my XXXX statement which showed a {$68.00} interest charge on a {$2100.00} bill that was 17 days overdue. This amounts to a {$68.00} APR interest charge. In addition, I was charged a {$30.00} " late fee '' and a {$2.00} " Paper stmt to avoid going paperless : Fee. When I asked for information about what the credit card statement was for, I was told that they could not provide it. I explained that I never received the XXXX statement, that I had a 40 year history with numerous credit card companies of always paying my Credit Card Bills on time and in full, and, that I had a credit rating of roughly XXXX. I had paid my XXXX. XXXX ( which I had received, in full and paid long before the deadline ). I was told that they could reverse a portion of the late fee only if I immediately paid the bill in full including the interest payment. I explained that I believed I did not owe interest on a bill that I never received and to please send me a copy of the bill and to reverse the usurious interest payment. They refused to do so, I then spoke with a supervisor who refused to reverse any part of the interest payment and offered to reverse the late fee only if i guaranteed that I would not cancel my card. Both of these statement felt like extortion. I paid the full amt. of the bill absent the interest and late payment fee. The credit card was XXXX XXXX XXXX XXXX XXXX card controlled by Comenity Bank. I did note that Comenity had roughly XXXX similar XXXX complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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