vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax XXXX XXXX XXXX due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account XXXX : XXXX, XXXX. 
Creditor Name : XXXX, XXXX XXXX XXXX. 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 
Supporting Case Law : In Cortez v. Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. Dennis v. BEH-1, LLC further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( XXXX  ) to formally dispute inaccurate information and unauthorized activities appearing on my credit report. Despite my previous attempts to resolve these errors with the credit reporting agencies and furnishers, the incorrect data remains, causing harm to my credit profile and financial opportunities. I rely on the CFPB to enforce the Fair Credit Reporting Act ( XXXX  ) and protect consumers from unfair and inaccurate credit reporting practices. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Law : Fair Credit Reporting Act ( XXXX  ) Section XXXX - requires accurate reporting of addresses and timely reinvestigation of disputed information. 
Issue : This address is inaccurate or does not belong to me. Its presence harms the accuracy of my credit report and may cause confusion or misidentification. 
Story : I have never lived at or authorized the reporting of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX. I request a thorough reinvestigation and removal of this incorrect address to ensure my credit file is accurate and fair. 

Account : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Chargeoff * * Law : FCRA Section XXXX and XXXX - right to dispute inaccurate or unverifiable account information ; obligation of furnisher and CRA to verify accuracy. 
Issue : The chargeoff status or balance on this account is inaccurate/unverifiable. 
Story : I dispute the accuracy of the reported chargeoff balance of {$13000.00} with XXXX XXXX XXXX on my credit report. I request a detailed validation of this debt or its deletion if verification can not be provided as required under FCRA. 

Account : XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Collection * * Law : FCRA Section XXXX - obligation to verify accuracy of collections and report only verifiable information. 
Issue : The collection account reported by XXXX is inaccurate or has incorrect balance information. 
Story : I dispute the collection account reported by XXXX with a balance of {$160.00}. I have not been provided with sufficient proof or validation of this debt and request immediate reinvestigation and deletion if unverifiable. 

I respectfully urge the Consumer Financial Protection Bureau to take action to ensure that my rights under the Fair Credit Reporting Act are enforced. I seek a full and fair reinvestigation of all disputed items, correction or deletion of inaccurate information, and removal of unauthorized inquiries. These corrections are necessary to restore the integrity of my credit report and protect my financial reputation. Thank you for your prompt attention and assistance in resolving these serious matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This letter is being sent directly from me, the consumer, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing specific accounts on my credit report that were opened as a result of identity theft. This is not a third-party dispute, and I am submitting this letter personally to ensure full compliance with federal law. Under FCRA 605B, you are required to block all fraudulent information from my report within four business days of receiving proof of identity theft. Additionally, FCRA 611 ( a ) obligates you to conduct a proper investigation of my dispute and respond within 30 days. I also request full disclosure under FCRA 609 ( a ) ( 1 ) ( A ) of all information used to verify these disputed accounts and any results of any previous investigations conducted. Enclosed you will find a copy of my government-issued ID, proof of address, FTC identity theft reports, and a signed statement under penalty of perjury confirming the accuracy of my claim. 
These documents should fulfill all documentation requirements under federal law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

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 XXXX XXXX XXXX. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-08-12 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: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX won a judgement against me, and appointed a Receivership, XXXX XXXX XXXX, the receivership, they levy my bank account as well as my father 's bank account who is XXXX XXXX XXXX and I am a signer on his account. The debt was for {$1700.00}, the receivership fees were {$420.00} so the total they took from my bank account was, {$2100.00} and the total they took from my father 's account was {$2100.00}. I sent in my personal documents proving that my account as well as my father 's account was protected because of Social Security and XXXX, and my father 's account was protected because of Social Security. The bank had a court order so they only held the money for about 3 days, meanwhile after receiving all of my documents, XXXX XXXX XXXX ignored these documents, paid off the debt collection company, XXXX XXXX and sent in information to the courts ( XXXX XXXX XXXX XXXX ) claiming they only received {$2100.00}, which in fact they receive a total of {$4200.00}. I did file the Protected Property Claim Form with the Courts, but after I told them that XXXX XXXX XXXX stated they would refund the money back, the XXXX put my file on hold to see if the money would be returned. They paid XXXX on XX/XX/year> and as of this date, I have not received my refund as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: DISCOVER BANK
State: CA

Complaint narrative:
I request that Experian immediately investigate this matter, block and remove this fraudulent account from my credit file as required under the Fair Credit Reporting Act ( FCRA ), and provide me with an updated credit report confirming the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
Subject : Inaccurate 90-Day Delinquency Reporting Mohela Federal Student Loan My Mohela federal student loan account was reported as current every month on my credit reports, and then suddenly a 90-day late payment appeared for [ XX/XX/2025 ] without any p

rior 30-day or 60-day late entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) accuracy standards. A 90-day delinquency can not occur without first reporting a 30-day and 60-day delinquency in the preceding months. The fact that my account showed as current before the 90-day late means this is a clear reporting error. The late mark occurred during the national student loan payment restart after the federal forbearance was ended early. I did not receive timely or adequate notice from Mohela that payments were due, and my account history shows no prior delinquency. I request the CFPB investigate and direct Mohela to remove the inaccurate 90-day
delinquency and restore my account to current for that period. 

My evidence is my own credit report history showing the account as current immediately before the 90-day late mark.

Credit Bureau Dispute Statement Dispute Reason : Reporting Inaccuracy 90-Day Late Without Prior Delinquencies My Mohela federal student loan was reported as current in the months leading up to [ XX/XX/2025 ], then suddenly a 90-day delinquency appeared. 

This is inaccurate because there were no 30-day or 60-day lates reported beforehand, which is required for a 90-day late status. This is a data reporting error and violates the FCRAs accuracy requirements.

Please verify this late with the furnisher. If Mohela can not show proof of correct delinquency progression, it must be deleted from my credit report and updated to current for that period.

This wording does two things for you : 1. Shows the bureaus and CFPB that the data literally doesnt make sense in the credit reporting format. 
XXXX. Removes the burden from you having to prove the forbearance confusion the reporting inconsistency alone is grounds for deletion.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-12 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because Equifax is currently not reporting a credit score for me. I have open and active credit accounts that are reported to the other credit bureaus, and I believe this XXXX be an error or omission by Equifax. I request an investigation into why my credit score is missing and that Equifax provide a full update or explanation. Please verify all of my credit data and ensure my file is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX was stolen and reported to XXXX XXXX ( Claim # XXXX ). At the time, the vehicle was financed through Santander Consumer USA, and my loan agreement included XXXX insurance coverage. 

XXXX denied my claim based on alleged garaging address misrepresentation, claiming the vehicle was not kept at my primary residence. I am a XXXX XXXXXXXX XXXX who travels for work and use short-term rentals, including an XXXX I host in XXXX, which explains the location. The denial was not based on any dispute that the theft occurred. The vehicle was never recovered and remains in storage at XXXXXXXX XXXX. 

Despite the verified loss, Santander charged off the remaining loan balance of approximately {$25000.00} and reported this to the credit bureaus without : Informing me of the GAP claim process Filing a GAP claim on my behalf Allowing me to submit a GAP claim directly I continued making payments through XX/XX/XXXX. Progressives own repair estimate valued the vehicle at over {$13000.00}, yet I received nothing. I sent Santander written GAP claim requests ( most recently XX/XX/XXXX ) with full supporting documentation, but have received no acknowledgment or action. 

I believe Santanders actions are improper because they failed to process my GAP coverage before charging off the loan and reporting it negatively to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MN

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section XXXX, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, XXXX XXXX XXXX are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section XXXX ( a ), XXXX XXXX XXXX are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$980.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$97.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXXXXXX 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/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 2025-08-12 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and for failing to resolve multiple disputes I have submitted over the past XXXX months. Despite sending numerous letters, each containing proper documentation, proof of identity, and detailed dispute information, the bureaus have continued to ignore their legal obligations and instead send back generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

This is the second consecutive month I have attempted to resolve these issues. In every letter I have sent, I have made it clear that I submitted these disputes myself and included all necessary supporting documents. Yet, the bureaus continue to falsely claim that an unauthorized third party is involved, a baseless and obstructive response that prevents the proper handling of my disputes. 

The following items remain inaccurate, unverifiable, or incomplete on my credit reports : Incorrect personal information : Multiple outdated or inaccurate addresses and employers. 

Collections and charge-offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Late payment records : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

The bureaus have failed to provide : The specific method and process used to verify each disputed item. 

The full name, title, and contact details of the data furnishers. 

Documentation relied upon to confirm the accuracy of the disputed information. 

This failure violates 15 U.S.C. 1681i ( a ) ( duty to reinvestigate disputed information ) and 1681e ( b ) ( duty to ensure maximum possible accuracy ).

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 2025-08-12 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and for failing to resolve multiple disputes I have submitted over the past XXXX months. Despite sending numerous letters, each containing proper documentation, proof of identity, and detailed dispute information, the bureaus have continued to ignore their legal obligations and instead send back generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

This is the second consecutive month I have attempted to resolve these issues. In every letter I have sent, I have made it clear that I submitted these disputes myself and included all necessary supporting documents. Yet, the bureaus continue to falsely claim that an unauthorized third party is involved, a baseless and obstructive response that prevents the proper handling of my disputes. 

The following items remain inaccurate, unverifiable, or incomplete on my credit reports : Incorrect personal information : Multiple outdated or inaccurate addresses and employers. 

Collections and charge-offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Late payment records : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

The bureaus have failed to provide : The specific method and process used to verify each disputed item. 

The full name, title, and contact details of the data furnishers. 

Documentation relied upon to confirm the accuracy of the disputed information. 

This failure violates 15 U.S.C. 1681i ( a ) ( duty to reinvestigate disputed information ) and 1681e ( b ) ( duty to ensure maximum possible accuracy ).

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 2025-08-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation