vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 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:
I am asking the CFPB to help ensure that Experian properly processes the detailed disputes I submitted in my letter dated XX/XX/year>, which included multiple accounts with reporting errors such as inaccurate collection account structure ( including terms, payment history, and past due fields ), missing Date of First Delinquency, inconsistent payment dates, and inappropriate credit limits on charged-off accounts. Each issue I identified in my letter was specific and account-level, and this complaint is not to claim non-response but to formally document my dispute and request CFPB support in making sure Experian addresses every detail I contested, fairly and thoroughly.

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 2025-06-09 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:
The below collections account was placed on my consumer report wrongly and I believe this is an error, because I have nothing to do with this collections kindly remove them because this are wrong information on my consumer report which violated fair credit reporting laws. 


XXXX XXXX XXXX. XX/XX/year> 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 2025-06-09 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: GA

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

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 2025-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dean Morris, L.L.P.
State: LA

Complaint narrative:
On or around XX/XX/year>, I received a debt collection notice from Dean Morris , LLC, reference number XXXX, attempting to collect on an alleged mortgage debt they associate with XXXX XXXX ( XXXX XXXX XXXX ). I do not recognize Dean Morris, LLC as a lawful servicer or creditor. I sent a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and have not received sufficient documentation proving their authority to collect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identifier : XXXX Tax Identification Number : XXXX Registered in Delaware Headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX TX Additionally XXXX I have not received any XXXX or XXXX written notice from the prior servicer ( XXXX XXXX / XXXX ) informing me that my account was sold, transferred, or conveyed as required under 12 U.S.C. 2605 ( b ). This omission raises questions about whether the debt has been lawfully transferred. I request that the CFPB investigate the legality of this collection activity and require full documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

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. 

XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> has violated my rights. 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 general, 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. 15 U.S.C. 1681B ( 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 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
* * See attachments as well * * * In XX/XX/year>2024, I discovered two fraudulent student loans reported under my name when attempting to refinance my home. My mortgage lender flagged two XXXX-serviced federal loans, totaling {$9500.00}, that I never applied for or authorized. 

I immediately filed a police report, completed a Federal Trade Commission Identity Theft Report, submitted the Department of Educations Forgery Discharge Application, and contacted all three credit bureaus to initiate a fraud dispute.

These loans are falsely tied to XXXX XXXX XXXX XXXX and list a Louisiana address ( XXXX XXXX XXXX, XXXX, LA XXXX ), where I have never lived. Ive been a resident of XXXX, MA my entire life. 

Since discovering the fraud, I have faxed, emailed, and mailed my documentation to XXXX  and the Department of Education multiple times. Ive also spoken with their representatives on a near-weekly basis with no meaningful resolution.

Despite having provided all required documentation months ago, these fraudulent tradelines remain on my credit report, marked as 180+ days past due, significantly damaging my credit and ability to secure housing and credit.

The continued reporting violates my rights under : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent info after valid ID theft documentation FCRA 611 and 623 : No reinvestigation or verification conducted, failure to correct inaccurate info Red Flags Rule ( 16 CFR 681.1 ) : No action taken despite clear address inconsistency UCC 3-403 ( a ) : Forged signature renders the contract unenforceable Aidvantages investigation response merely stated the loans are valid without offering any proof or addressing the documents submitted. This is an ongoing violation of federal consumer protection laws and I am requesting urgent review and enforcement action by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
I am filing this complaint against EQUIFAX for its continued reporting of inaccurate and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The first account in question is from XXXX XXXX XXXX, opened on XX/XX/XXXX. This account is being reported with an active balance and a history of late payments. However, this account has been paid in full and closed, and I have never been late on any payments associated with it. The reporting of a balance and delinquencies is entirely inaccurate and misleading. I request that all late payments be removed and the status updated to Paid as Agreed. If this correction can not be made, I am demanding the account be deleted entirely pursuant to FCRA XXXX. 

The second account, XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, is also being reported inaccurately. EQUIFAX is listing late payments for XXXX and XX/XX/XXXX, which I strongly dispute. I have never received any notification from the creditor of a delinquency nor any documentation substantiating these alleged late payments. This inaccurate reporting is damaging my credit standing without justification. I am requesting that EQUIFAX either provide verifiable documentation proving I was actually late on these dates or immediately remove the late payment notations and update the status to Pays as Agreed, in compliance with FCRA XXXX ( b ). 

Lastly, XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX, is being reported with a XXXX late payment in XX/XX/XXXX and a XXXX late in XX/XX/XXXX. These dates are not only factually incorrect but appear to be speculative or system-generated errors. I was never notified of these supposed delinquencies, nor given an opportunity to correct or dispute them before they appeared on my report. This reporting violates FCRA provisions requiring accurate, complete, and verifiable information. If EQUIFAX can not provide sufficient evidence supporting these late payments, I demand they be removed from my file immediately. I expect a full reinvestigation in accordance with FCRA XXXX and XXXX ( b ) and a timely update with the results of the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
Please refer to the attachments pertaining to the discrepancies on my Trans union 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 2025-06-09 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding a recent issue with my credit report. Between XX/XX/scrub> 2025, and XX/XX/year>2025, the accounts for APPLE CARD-GS BANK and XXXX XXXX were removed from my credit report. However, I noticed that these accounts were reinserted back onto my report after being deleted, despite no new information or updates being provided by the creditors.

This reinsertion of previously deleted information has caused significant hardship to my personal well-being, as it affects my credit score and financial standing. I believe this action is in direct violation of 15 U.S. Code Subsection 1681i ( a ) ( 5 ) ( B ), which prohibits the reinsertion of information that was previously deleted from a credit report unless certain conditions are met.

I kindly request that you investigate this matter and provide assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that my rights are protected and that this violation is rectified.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} INQUIRIES : XXXX XXXX AUTO SALE Date : XX/XX/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 2025-06-09 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX TX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX  -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-09 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXX  # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX TX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXXXXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX  -- - Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
i've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report these remarks have been detrimental to my life and credit health.

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 2025-06-10 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: MO

Complaint narrative:
i've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I filed a dispute with Barclays Bank XXXX on XX/XX/year>, regarding a charge of {$400.00} USD from the XXXX XXXX XXXX, which appeared on my credit card statement. The charge includes an unauthorized restaurant bill of approximately {$200.00} USD that I did not incur. 

Despite my repeated requests, XXXX XXXX failed to provide any proof, such as a signed restaurant bill, to justify the disputed charge. 

On XX/XX/year>, I contacted Barclays to check the status of the dispute and was informed that the case had already been closedwithout any prior notification to me. I was not given a chance to respond to any findings or review the merchants evidence, if any. Barclays also failed to provide a written resolution report or disclose any documentation they received from the merchant. 

I believe this case was handled improperly and prematurely closed, without following appropriate procedures under the Fair Credit Billing Act. I am requesting that the CFPB investigate this matter and ensure Barclays reopens the dispute and properly reviews the evidence.

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 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX on behalf of XXXX Funding attempting to collect a debt that has already been disputed under an official FTC Identity Theft Report and XXXX affidavit. This debt was previously deleted from all three credit bureaus and lacks any proof of ownership, a contract, or proper assignment. 

This collection attempt is in violation of : FCRA XXXX Mandated blocking of fraudulent accounts FDCPA XXXX ( a ) Failure to provide debt validation FCRA XXXX Unauthorized pulling and use of my credit info Identity Theft Act Buying/selling of consumer data without consent XXXX Funding and XXXX are knowingly attempting to collect on a fraudulent and disputed account. I demand an immediate cease and desist, full debt validation, and all supporting documentation including original signed agreements and the chain of assignment.

Company response to consumer: Closed with non-monetary relief