vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Experian Information Solutions , Inc. for systemic and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection statutes. Experian has failed to perform a legally required reinvestigation of disputed tradelines, prematurely closing my dispute as no change within seven days a timeframe that makes it legally and factually impossible for a thorough investigation to have occurred.

Dispute Timeline : - XX/XX/XXXX I submitted a written dispute to Experian concerning multiple tradelines reported as charge-offs. I included documentation challenging the accuracy and legality of the reporting. - XX/XX/XXXX Experian issued its results, declaring the accounts verified as accurate with no change. 
This seven-day turnaround is insufficient for Experian to ( a ) send notice of dispute and relevant documentation to the furnishers, ( b ) allow the furnishers reasonable time to investigate, ( c ) receive and review responses, and ( d ) issue a considered determination. The only plausible explanation is that Experian rubber-stamped the status quo without performing a meaningful reinvestigation, in violation of federal law. 
Violations of Federal Law : 1. Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 2. Failure to Forward Consumer Evidence to Furnishers 15 U.S.C. 1681i ( a ) ( 2 ). 3. Failure to Correct or Delete Inaccurate Information 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 4. Failure to Assure Maximum Possible Accuracy 15 U.S.C.

1681e ( b ). 5. Deceptive and Unfair Practices 15 U.S.C. 45 ( FTC Act ).

Case Law Support : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). - XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). - XXXX v. 
XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). - Sepulvado v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. 
XXXX ). 
Charge-Off Reporting : Once a debt is charged-off and sold to a third party, the original creditor has no legal standing to collect.

Reporting such accounts as collectible is false and misleading, violating 1681i and 1681e ( b ).

Experians blind reliance on such reporting constitutes publication of materially inaccurate 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 2025-09-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: CA

Complaint narrative:
I did not consent to, authorize or benefit from any of the following inquiries or accounts. Block and remove these. Please remove this fraudulent inaccurate account as I have no knowledge of any of these accounts due to identity theft. All are being investigated by the ftc and cfpb. According to FCRA 605B this information must be blocked immediately until the investigation is complete. Since XXXX Business days from the receipt of this communication allowed under the federal law to block these orders, failure to do so within XXXX business days after receiving this letter constitutes a reason to promptly delete the information from my credit file. In Refer to FCRA ( USC ) 1681.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-17 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: NC

Complaint narrative:
On or about the end of XX/XX/year>, someone called the Social Security Office and told them I was dead. Well, I am not dead, and all my accounts have been closed, so I now have no credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
On or about the end of XX/XX/year>, someone called the Social Security Office and told them I was dead. Well, I am not dead, and all my accounts have been closed, so I now have no credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-09-17 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: HI

Complaint narrative:
In XX/XX/XXXX, a late payment was reported on my XXXX XXXX XXXX  line of credit account as 3059 days late. The account was later reported to the credit bureaus on XX/XX/XXXX, and verified again in XX/XX/XXXX. Federal law requires that consumers be provided at least 21 days notice before a payment due date, but I did not receive any such notice. 

I have disputed this inaccurate late payment reporting directly with XXXX XXXX XXXX as well as with Experian, Equifax, and TransUnion ( initial dispute submitted XX/XX/XXXX ). Despite this, the late payment remains on my credit reports, and the credit reporting agencies have marked the account as verified without providing supporting documentation or the legally required Method of Verification.

This reporting is inaccurate and misleading, as I was not delinquent and no proper notice was provided. The failure to correct or properly verify this account continues to cause harm to my credit standing.

Below i have included the proper documentation 1. identification 2. proof of address 3. account of late payments and letters of disputes 4. social security card

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: DC

Complaint narrative:
I filed a dispute for the overcharged amount to my credit card. I obviously got a credit card scam by a tax driver, being overcharged {$1600.00} for {$20.00} trip in XXXX XXXX. I submitted all evidences that I have to the bank, including my police report to XXXX police authority, and the evidences that should prove it was overcharged ( my GPS record, typical taxi fare for that distance, etc ). However, my credit card company denied the dispute, saying " no error has occurred ''. They said unless I can provide the {$20.00} reciept that proves {$1600.00} was overcharged, they can not refund. 

I should not be expected to have the receipt. The taxi driver cheated the amount. This is a fraud case. I should not be expected to have a receipt, because, if they provided it to me, it should have been {$1600.00} which I did not authorize. 

I did not authorize {$1600.00}. I did not even give PNXXXX or my signature to the bill. The taxi driver inserted my card to a device and charged {$1600.00}, while he was showing {$20.00} on the display. I asked the taxi driver a recipt which should have been {$20.00}, but the tax driver said the device did not have a printing function.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
After reviewing my current credit report I see my credit has been compromise nd needed the following corrections done immediately : Inquiries : XX/XX/XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Bank, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX. My name is misspelled : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, According to the 15 U.S. code 1681c-2, 15 USC 1602 p and 15 USC 1692c. 15 U.S. code 1681b. Please fix this matter immediately and this has been reported for further investigation. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Due to the information on my credit report is inaccurate I am asking you to remove all forms of this account from my credit report for it is STOPING me from obtaining good credit I asked that a re-investigation to start and for the previous investigation to be verified with the person you contacted and that your company spoke to ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, IF this information can not be provided. please delete this account from my report in the next 15 days And send me a new report THE INFORMATION ON MY ACCOUNT IS inaccurate .this is stoping me from obtaining good credit. PLEASE REMOVE THIS AND REMOVE THIS FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or about the end of XX/XX/year>, someone called the Social Security Office and told them I was dead. Well, I am not dead, and all my accounts have been closed, so I now have no credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: IN

Complaint narrative:
On XX/XX/year> I received my direct express card but could not activate it due to not being able to properly verify my identity on the company 's terms. 
I have XXXX payments stuck on my direct express account that I can not activate. 
This has been going on since XX/XX/year>. 
I have attempted to verify my identity through phone, email and at the social security XXXX to get my direct express card activated. 
I have been told that the company can not verify my identity no matter what information I provide. 
It is now XX/XX/XXXX and I still do not have access to my XXXX missing payments on my direct express card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Dear XXXX XXXX Representative I am filing a complaint against Ally Financial for mishandling my auto loan account. 

In XX/XX/year> Ally issued a payoff check of XXXX to XXXX XXXX to close my account. The check was returned after XXXX to 10 days because it was short by only XXXX to XXXX dollars. XXXX did not know the amount was short and did not receive timely notice. Ally then placed the responsibility back on me even though the payoff amount quoted was provided by them. 

Last week I spent over XXXX hours at XXXX with their staff and Ally trying to resolve this. Ally repeatedly transferred the call between departments and refused to allow us to speak with a supervisor. They continue to state that I am responsible for the account balance even though the loan was paid in full. 

Each time Ally receives a payoff check they open it late and if it is short by a small amount they return it and hold the interest while the account continues to show unpaid. This practice is adding more money to the payoff amount and damaging my credit score. My account is now reported as 30 days past due which is false. 

I am requesting that Ally be directed to correct my account to show paid in full and remove all negative credit reporting. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation