vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
XX/XX/year> an account was closed for a principal I was acting POA of @ Citizens Bank. The account was settled on XX/XX/year> by myself to clear up this error. They reported me as a responsible party on the account responsible for the principals debt to Chexsystems and my consumer report now has anccount abuse on it for an account Im not financially responsible for. I was exclusively acting POA agent.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Several inquiries hit my credit reports. Requested inquiries to be removed and company refused.

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 2025-08-24 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Several inquiries hit my credit reports. Requested inquiries to be removed and company refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: WA

Complaint narrative:
True Accord has emailed me on 3 different occasions. The person they are trying to collect the debt from has a different middle name than me. We also do not reside at the same address, not even in the same state. 
They could and should be able to verify this information before emailing me. 
This is an attempt to collect a debt from an unsuspecting person, not the actual debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by Lead ( Self ) on my credit report. The account in question was closed on XX/XX/year> yet the creditor continues to report the account as XXXX days delinquent. This reporting is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & ( b ), furnishers of information are required to provide accurate information to consumer reporting agencies and to correct or delete information they know or should know is inaccurate. By continuing to report this account incorrectly, [ Creditor Name ] is in violation of these provisions. 

Additionally, I previously disputed this account and its inaccurate information but the information remains incorrect. This constitutes a failure to conduct a reasonable investigation under the FCRA, 15 U.S.C. 1681i. This inaccurate information is illegally impacting my credit rating, XXXX, my credit report and my ability to have a accurate credit reporting. 

I am requesting that the CFPB require [ Creditor Name ] to : 1. Accurately update the account to reflect its correct status as closed ; 2. Remove any inaccurate delinquency or status information being reported ; 3. Ensure full compliance with the FCRA in the handling of consumer disputes. 



Key Laws to Mention FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must not report information they know ( or should know ) is inaccurate.

FCRA, 15 U.S.C. 1681s-2 ( b ) : After a consumer disputes information, furnishers must investigate and correct inaccuracies.

FCRA, 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There are 3 accounts that have been sent to a collection agency one open recently as XX/XX/XXXX accounts number ( XXXX ) this is not my account XXXX XXXX XXXX account number XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  opened XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-24 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: IL

Complaint narrative:
The two federal loans were paid off and reported as paid off unfortunately, the payments that they said were late were not late during the pandemic, but were due to lack of updates to records during their transition of documents to another agent agency. These two loans were paid off through loan forgiveness but during the transition were not properly recorded between the transition of records and were reported by two agencies simultaneously as late and paid on time due to transition to official cancellation. The same loan can not be housed by the two agencies at the same time and be reported at the same time, but this is what happened during their transition and to forgiveness and payoff. 

Secondly, the XXXX XXXX was scheduled for forgiveness for years of public service. I was informed by the agency it would be forgiven as well but was incomplete due to transition of government leadership. It is now in forbearance, waiting for completion to be taken off of or considered forgiven for public service. I attempted to contact the governmental department of education and Federal loan, and through numerous emails and phone calls, many emails, which I still have none of which I ever received responses due to changes in government and changes of loans transferred to between agencies unfortunately, I became a victim and did not even realize these things were on my credit report until a bank brought it to my attention. I am requesting these inaccuracies be removed from my credit report or corrected as I was never late and many times when it was not paid I was in forbearance waiting for them to change it over to be paid through public service. Which occurred for two of them and the other one is also scheduled, but has not been updated nor does it allow me to make any payments because its in the status. I was the XXXX XXXX was also scheduled to be paid off from for public service, but seem to have gotten caught up in this transition of power.

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 2025-08-24 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
Equifax is knowingly reporting false information despite receiving all official payoff documents and proof of their errors. 



Full Complaint Narrative I am filing this complaint against Equifax for willfully maintaining false, damaging, and misleading information on my credit report and for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) Section 611. 

My XXXX XXXX auto loan was paid off in full by XXXX, and I have all supporting documents uploaded with this complaint, including : The official XXXX payoff confirmation XXXX  account records showing the loan as paid with a {$0.00} balance Screenshots of Equifaxs own reporting errors on their website Despite being provided this documentation during my initial dispute, Equifax continues to report the XXXX  account with the inaccurate remark Consumer Disputes After Resolution and without updating the account to the correct status of Paid in Full {$0.00} Balance Closed. 

On top of that, Equifaxs reporting and website errors at one point made it appear that I still owed money on this loan that was already satisfied by XXXX. This is false, misleading, and harmful reporting that has damaged my creditworthiness and has caused me unnecessary stress and delays with lenders reviewing my report. 

Equifaxs response to my initial dispute was a generic canned reply with no evidence, no documentation, and no explanation of how they verified this tradeline. This clearly violates FCRA requirements for a reasonable reinvestigation and proper disclosure of verification methods. 

I am demanding the following actions : 1. Immediate correction of the XXXX tradeline to reflect Paid in Full {$0.00} Balance Closed. 
2. Removal of the inaccurate Consumer Disputes After Resolution remark. 
3. Full disclosure of the sources, methods, and records used during the original reinvestigation. 

Equifax has all the proof, including the official payoff confirmation and their own website errors showing incorrect balances. Their continued refusal to correct this information is willful noncompliance and a direct violation of the FCRA. If this issue is not corrected immediately, I will escalate further with legal counsel and additional regulatory filings to hold Equifax fully accountable. 



Attachments to Upload Exhibit A : XXXX official payoff confirmation Exhibit B : Ally account statement or closure confirmation Exhibit C : Screenshots of Equifaxs inaccurate reporting and website errors Exhibit D : Original dispute letter and proof of Equifaxs inadequate response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: CA

Complaint narrative:
I opened a secured credit card account with XXXX XXXX on XX/XX/year>. 
The account ending in XXXX was closed more than a year ago after I paid off the final balance, including a {$49.00} payment on XX/XX/year> ( Confirmation # XXXX ). 

Despite my account being paid in full and properly closed, XXXX XXXX has not refunded my security deposit of {$860.00}. I have contacted the company, but they have not provided an explanation or resolution. It has been over a year, and the funds have not been returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My Mohela Loan was transferred from the federal student loan and was scheduled for forgiveness. I tried multiple times to contact both agencies for information and due to transitioning of loans to different agencies and transitioning of government, I was never able to resolve the matter. I wrote multiple letters and phone calls to try to get updates to the account. I continue to try to pay on the account. Even though the account was in a forbearance, I continue to pay until something happened, and they fixed the account where I could no longer make any payments. Based on my conversations with the agencies, Based on one conversation with a representative I I could no longer make payments on the account because they were getting ready to be forgiven for my years in public service. Not sure where this process is at this time but I have not received any communication related to follow through. It may occurred and I just have not received any communication related update to date/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I dont remember the dates, it was a chase bank open in my name XXXX bank, and a XXXX account. Did not give permission. Seems as though my ex had opened a lot of accounts in my name. Would like this removed from my XXXX  report and also my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$960.00}

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 2025-08-24 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: NV

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX CARD # XXXX XX/XX/XXXX -- {$5100.00} XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00} U S DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$3400.00} U S DEPT OF EDXXXX # XXXX XX/XX/XXXX XXXX {$4100.00} U S DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$5300.00} U S DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
In XX/XX/XXXX I was subpoenaed for a judgment for a debt by Gurstel Law. credit agency that hired them is XXXX XXXX. I filed a response within the required time frame. A court date was set for XX/XX/XXXX. That date was changed to a telephone conference and I never received notification of change. I moved shortly after and my father had a XXXX that took me out of state. XXXX of XXXX XXXX I noticed my wages were garnished. I tried contacting Gurstel on XX/XX/XXXX to advise I had a change of address and ask for modification to the amount being garnished. I received no response. Phone calls go to voicemail, emails and written communication are unanswered. on XXXX a modification to the garnishment was filed. I once again received no notification other than from my employer. I tried contacting XXXX XXXX and was told to contact Gurstel. I explained the situation and spoke to legal department. They sent a message to Gurstel to contact me and again, no response. I have not Received a copy of the Creditor Garnishment Report, which is required by Arizona law to be provided quarterly to the debtor and the garnishee. I have no idea how much Ive paid or still owe and they still do not have my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-24 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/year> -- {$580.00} XXXX  # XXXX XX/XX/year> -- {$390.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/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 2025-08-24 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: NCP Holdings, L.P.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

Company response to consumer: Closed with explanation