vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
I received multiple notifications that my social and name and info was part of two large data breaches. When I pulled a credit report there are multiple small credit cards and a personal loan it looks like that are not mine that show charged off on my credit. I disputed this info with Experian transunion and equifax three times and three times I got back that the accounts were verified but this is not correct and could not have been verified because I never applied for or used any of them. So it can not be me. I am the victim of identity theft and I ask that these be removed from my credit report as they are not mine and definitely do not belong to me and they are hurting me and my credit ability.

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 2025-07-05 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
XXXXXXXX XXXX I took a long look at my credit report. I noticed so many inconsistencies reporting on my report. I am well aware all data must accurate. XXXX XXXX and TransUnion reported inaccurate and incomplete data on several accounts. These types of notation is effecting me from decreases my chances from purchasing a new home. It is unfair to me as consumer that the inaccurate reported notation is a defamation of my charater. I am slo aware that XXXX, Transunion and XXXX  are known for not conducting a fair and proper investigation. So there the chances of getting the accounts deleted from my credit report is very low. Recently I have read that The credit bureaus are facing law suits based on their lack of consulting proper and fair investigations. What I found in my review are inaccurate reported XXXX Last Active, Inconsistency Balnaces, Inaccurate Payment History and etc. These factors are very vital. I am demandinf for yor agency to look further in making sure XXXX, XXXX  and Transunuon complete a proper investigation in each accounts. I have attached an article where the CFPB has used XXXX, Tarnsunion and XXXX  fro there unfair practices

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this complaint due to repeated issues with all 3 bureaus Experian, Equifax, and Transunion regarding inaccurate information on my credit report and their failure to promptly investigate my disputes.

I have submitted multiples disputes and they keep sending me these stall letters talking about a third party and I'm the one that's doing my own credit thanks to XXXX Im requesting verification or removal of accounts that I believe are being reported inaccurately. Each time, the bureau has responded they send these stall letters like the one that I uploaded. i know that this violates the FCRA 15 U.S.C. 1681 i which require a credit bureau to conduct a reasonable investigation when a consumer disputes information. These stall tactics have delayed resolution, caused continued damage to my credit profile

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 2025-07-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I made an agreement with XXXX XXXX  " XXXX XXXX '' to pay a settlement amount of {$490.00} to close the account. I made 2 payments. ( XXXX XXXX XXXX  ). I reached out to credit bureaus for the information to be updated and in return XXXX  updated as still being charged off. As per the agreement, they were to report to credit bureaus that the account was paid. This is not in good faith as I did my part as paying as agreed for the settlement. I need this information updated correctly. Today I looked at my Transunion account and there is a duplicate account listed as " charge off '' date reported XX/XX/year>. Not sure where this came from but it needs to be deleted. ( XXXX XXXX XXXX XXXX ) Let 's look at the facts, XXXX wasn't even in existence and I was XXXX XXXX XXXX! I had to wait too long for the letter where it should have been given to me 7-10 days after the last payment was made. As of today I still don't have the letter. Customer service representative says it was mailed yesterday.

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 2025-07-05 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: TN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may no
t treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I am writing to dispute the reporting of accounts that appear on my credit report without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence is completely unacceptable. They contain inaccurate and misleading information that misrepresents my financial history. 
I take my credit profile very seriously, and the appearance of these unauthorized accounts is a serious concern. I request immediate clarification regarding how these accounts were added to my report and who is responsible for reporting them.

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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: MI

Complaint narrative:
I seen I had a past due bill for this account and I made a payment like I was told on the phone but was never gave access to the account after the phone call and the card use being used by someone else and it was a lot of chargers that I did not recognize because I couldn't get access to the account and they still charged my card on file until I took it off and the card got maxed out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights.

Below are the details of the disputed account : 1. * * Name of Account and Account Number * * : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not delete this account immediately, please provide the required information. 
I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. 
Sincerely, 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
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I am disputing an account reported by Experian as " XXXX XXXX '' ending in XXXX, which is the same account referenced by XXXX XXXX as ending in XXXX. This was a secured credit card account that was immediately blocked by XXXX XXXX upon my attempt to activate it in XX/XX/XXXX. The account was never used, never funded, and never carried any balance. 

Despite this, Experian continues to report the account as " Closed at credit grantor 's request '' along with the statement " Consumer disagrees, '' which is inaccurate and misleading. I submitted a formal dispute under the FCRA, and XXXX XXXX responded with a generic acknowledgment letter dated XX/XX/XXXX, but never provided a specific resolution or any validation of the reported account status. 

The same account does not appear on my XXXX  or XXXX credit reports, showing an inconsistency in reporting. I respectfully request the permanent removal of this account from Experian, along with the removal of the " consumer disagrees '' notation, as the account was never active and its continued presence is harming my credit profile and opportunities.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. 
Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: NY

Complaint narrative:
I am writing again regarding my previous dispute request for the blocking of fraudulent information from my credit report, as required under 15 U.S.C. 1681c-2. As of today, it has been more than four business days, and you have failed to take any action on this matter. This is an unacceptable delay and a violation of the law. This account was fraudulently opened in my name, and I have provided all necessary documentation, including a police report and FTC identity theft report. As per the FCRA, you are required to block this information within four business days of receiving my requestyet here we are, with no action taken - Creditor : XXXX | Type : Revolving | Balance : {$5400.00} - Creditor : XXXX | XXXX : Revolving | Balance : {$2100.00} - Creditor : XXXX | Type : Secured Credit Card | Balance : {$1100.00} - Creditor : XXXX  | Type : Student Loan XXXX Balance : {$3400.00} - Creditor : XXXX  XXXX | Type : Installment | Balance : {$77.00} - Creditor : XXXX  | Type : Student Loan XXXX Balance : {$4000.00} - Creditor : XXXX  | Type : Student Loan XXXX Balance : {$5500.00} Closed Accounts/ Suspected Fraudulent Entries : - Creditor : XXXX XXXX XXXX  | Status : Paid | Balance : {$0.00} - Creditor : XXXX XXXX XXXX | Status : Paid | Balance : {$0.00} I demand that you immediately block this fraudulent account from my credit report and send me written confirmation that it has been done. If you fail to do so within the next 48 hours, I will be forced to escalate this matter with the appropriate regulatory authorities and pursue legal action for non-compliance. Additionally, if you claim that you can not fulfill my request, you must provide a clear and detailed explanation as to why this can not be done. I expect prompt resolution of this issue, and I will not tolerate any further delay.

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 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
Over the past several months, I have made numerous unsuccessful attempts to access my XXXX and Mohela accounts to confirm the transferred loan balance, particularly since I had an automatic payment set up. While I was able to access my account in XXXX and saw no balance due at that time, I was unable to access either account from XXXX through XXXX. About a month ago, I started receiving calls from unfamiliar or spam numbers, but received no clear written notice or voicemail. 
In late XXXX, I received a notice from Moheladated XX/XX/XXXX, XXXXinforming me that my account was more than 90 days past due. This was the first notice I received since my account was transferred. On XX/XX/year>, my credit score suffered a significant decline due to a report indicating that I had made numerous late payments with Mohela. 
I proceeded to pull my report from all three bureaus and found that each had not only a different balance but also a different number of accounts listed! One report lists ten as open, and seven have been transferred ; the second shows thirteen accounts, with three closed, and the third shows thirteen open accounts. My alerts from my financial institutions indicate that I have sixteen missed payments, with Mohela being reported on my credit report. 
On XX/XX/year>, to access my loan information, I was required to sign in as a new user to Mohela, as the account number on the letter I received did not verify my account. Upon logging in, the account showed no payment due, and the account number listed online did not match the one provided in the letter I received earlier in XXXX. 
These discrepancies and access issues have caused confusion, distress, and financial constraints ; I am requesting a thorough review and correction of my account information and credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-05 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:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-05 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: PA

Complaint narrative:
Im reaching out regarding a fraudulent credit inquiry that is currently appearing on my credit report. Let me be absolutely clear : I did not authorize or initiate this inquiry in any way, and I had no knowledge of it until I reviewed my credit report.

This was not done by me, and I have never given consent to the company that pulled my credit. That means this inquiry was made without a permissible purpose, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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