vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian, XXXX  and XXXX XXXX received a reported public record of XXXX  XXXX bankruptcy from XX/XX/XXXX from XXXX XXXX. The XXXX  XXXX bankruptcy is currently listed and showing on my Experian, XXXX  and XXXX XXXX credit report. On my XXXX XXXX Consumer Report, theres no bankruptcy records on my consumer report. I want XXXX XXXX to immediately send notification to Experian, XXXX  and XXXX XXXX to immediately delete and remove the following public records from my credit report : XXXX  XXXX Bankruptcy, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX, Equifax and XXXX XXXX received a reported public record of XXXX  XXXX bankruptcy from XX/XX/XXXX from XXXX XXXX. The XXXX  XXXX bankruptcy is currently listed and showing on my XXXX, Equifax and XXXX XXXX credit report. On my XXXX XXXX Consumer Report, theres no bankruptcy records on my consumer report. I want XXXX XXXX to immediately send notification to XXXX, Equifax and XXXX XXXX to immediately delete and remove the following public records from my credit report : XXXX  XXXX Bankruptcy, XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-16 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX XXXX credit card account ( XXXX XXXX XXXX XXXX XXXX XXXX ) was opened in my name without my knowledge or authorization. I never applied for this account, never received a card, and never made any charges. 

I submitted a formal dispute to Equifax. Despite my clear claim of fraud, Equifax responded stating : We verified that this item belongs to you. 

They did not provide any evidence of how this was verified. I have already placed a fraud alert and security freeze on my credit file, which should have triggered more careful handling. Equifax has ignored my explanation and failed to reasonably investigate the matter, in violation of the Fair Credit Reporting Act ( FCRA ), including sections 611 and 605B. 

This account continues to damage my credit and cause me emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XXXXXXXX  with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
I am disputing the accuracy of the information being reported by XXXX XXXX XXXX XXXX and their legal representatives XXXX XXXX XXXX XXXX. The account in question is associated with a charged-off debt from XXXX XXXX XXXX XXXX which was closed on XX/XX/year>. 

I have filed formal certified disputes and requested validation of the alleged balance. The reported balance is inflated and inaccurate. I have received no proper validation, and the reporting continues to harm me financially. 

I am also currently in active litigation regarding this matter in XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. The debt is being disputed as invalid, and I have submitted evidence, including proof of business activity during the time the account was allegedly opened, and my invocation of the arbitration clause in the original contract. 

I have sent all relevant parties certified mail outlining my position, and yet XXXX XXXX XXXX continues to report the account inaccurately and refuses to validate the balance. I am requesting the CFPB investigate this matter, instruct the company to delete or correct the tradeline, and hold them accountable for any violations of the FCRA, FDCPA, and Missouri XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
Amount was paid in full to upstart but velocity has it marked as charge off on credit report when account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As I was reviewing my credit scores I was aware of some things that didnt make sense to me concerning my credit score because it wasnt reflecting on my XXXX and only account that I had opened with XXXX and I had to inquire the reason for the credit score not being correct so I went to the Experian app which led me to an old credit report with an extensive amount of fraudulent activities that were hidden to cover up illegal activities that were never addressed to the proper authorities and which is fraud and is still affecting me due to those activities still being linked to my social security number and my credit because they were all negatively impacted accounts.I have been requesting a full file disclosure from every single account linked to my social security number and no one has been complying making it more stressful for me because these identity theft issues have been affecting me mentally, emotionally, physically and financially and they are violating both a federal law and a state law that gives me the right to request those documents according to the California Consumer Privacy Act. I have been a victim of identity theft and I have a right to review and dispute every single account accordingly and to report them to the proper authorities and file criminal charges against those who frequently used my personal information and those who are violating my rights to obtain that information.

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 2025-07-16 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: AZ

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.

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 2025-07-16 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: AL

Complaint narrative:
You recently responded to my CFPB complaint by providing copies of credit card statements and terms and conditions. However, this does not constitute full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor does it meet the accuracy and completeness standards required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

You failed to provide : A copy of the original signed agreement allegedly executed by me ; A full itemized accounting of how the balance was calculated ; Documentation showing legal chain of assignment from the original creditor to XXXX XXXX  ; Any legal basis demonstrating your right to report this account to credit bureaus. 

Credit card statements alone are not sufficient proof of ownership, balance accuracy, or legal authority to collect. 

Until and unless you can provide complete validation of the alleged debt as required by federal law, you must : 1. Cease all collection efforts, written or verbal ; 2. Immediately request deletion of the tradeline from all credit bureaus ( Equifax, Experian, and TransUnion ) ; 3. Mark the account as disputed in compliance with 15 U.S.C. 1692e ( 8 ). 

Be advised : continued collection attempts or credit reporting without proper validation may constitute willful noncompliance, and I reserve the right to pursue all available remedies, including legal action.

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 2025-07-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
You recently responded to my CFPB complaint by providing copies of credit card statements and terms and conditions. However, this does not constitute full validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor does it meet the accuracy and completeness standards required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

You failed to provide : A copy of the original signed agreement allegedly executed by me ; A full itemized accounting of how the balance was calculated ; Documentation showing legal chain of assignment from the original creditor to XXXX XXXX  ; Any legal basis demonstrating your right to report this account to credit bureaus. 

Credit card statements alone are not sufficient proof of ownership, balance accuracy, or legal authority to collect. 

Until and unless you can provide complete validation of the alleged debt as required by federal law, you must : 1. Cease all collection efforts, written or verbal ; 2. Immediately request deletion of the tradeline from all credit bureaus ( Equifax, Experian, and TransUnion ) ; 3. Mark the account as disputed in compliance with 15 U.S.C. 1692e ( 8 ). 

Be advised : continued collection attempts or credit reporting without proper validation may constitute willful noncompliance, and I reserve the right to pursue all available remedies, including legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I received a notification from my XXXX XXXX account that my credit score dropped XXXX points overnight on XX/XX/XXXX. When I went to look into the reason behind the drop, I found out that Nelnet had reported my account as 90 days delinquent. This was the very first notification I received regarding a delinquent account. My email and phone number are up to date and I received no communication from Nelnet through either platform that my auto-payments had been cancelled since XX/XX/XXXX. It seems as though Nelnet was intentionally allowing my account to go into delinquent status while my loan balance continued to accrue interest. Why was there no attempt to contact me regarding cancelling my automatic payments? I check my credit report regularly and my accounts show as up to date through XXXX, but a XXXX delinquency was reported to the bureaus on XX/XX/XXXX? There was no way for me to be aware of this situation and I believe this is an extremely unjust system Nelnet is using. I paid my account up to date through the next payment. I need to get the FOUR late payment hits ( because they divide it up for greater impact on your credit score .. ) off of my credit score immediately. I have disputed with each of credit reporters as well but believe there is an even larger issue at hand and am also filing this complaint.

Company response to consumer: Closed with explanation