vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-26 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: GA

Complaint narrative:
I am disputing the following accounts on my Experian credit file. These accounts are being inaccurately reported, and I request that they be investigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX ( XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX XXXX  ( XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX XXXX ( XXXX  ) Account Number : 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the Charge-Off account currently appearing on my credit file. Upon review, I have determined that this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as the information furnished is inaccurate, incomplete, and remains unverified.

Pursuant to FCRA 602 ( a ) and 611 ( 15 U.S.C. 1681i ), I am exercising my statutory right to dispute and demand the reinvestigation of any item of information that is inaccurate or can not be fully substantiated. To date, the furnisher has failed to provide competent evidentiary documentation validating the alleged debt, including but not limited to A signed contract bearing my signature ; Documentation establishing ownership of the debt ; Evidence of authorization or liability ; A complete and accurate accounting of the balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-11-26 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: IL

Complaint narrative:
I am submitting this complaint because the following accounts were reported on my credit file without my knowledge, authorization, or consent. I did not open these accounts and have never had any contractual relationship with the companies reporting them. I have already submitted identity theft block requests and disputes under FCRA 623 ( b ) and FDCPA 809 ( b ), but the items remain on my report and are continuing to cause harm. 

The accounts in question are : XXXX Reported balance {$4100.00}, with XXXX potentially negative months XXXX XXXX XXXX XXXX late payments reported, balance {$5500.00} XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX  ) Collection, balance {$580.00} XXXX XXXX XXXX, balance {$5600.00}, XXXX potentially negative months These accounts are not mine. I did not apply for, use, or benefit from these accounts in any way. I have requested verification and proper investigation, but the companies have not provided documentation proving I am responsible. I am requesting the removal of all fraudulent and inaccurate information and for the furnishers to comply with federal law. 

I am also requesting that the credit bureaus update my file to reflect only accurate information and stop reporting these accounts immediately, as they are negatively affecting my credit standing and causing financial hardship.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Volvo Car Financial Services U.S., LLC
State: OH

Complaint narrative:
On Wednesday XX/XX/XXXX I purchased for {$530.00} a feature called pilot assist which was supposed to be something like an autonomous driving feature. I discovered through visiting the repair shop three separate times and a number of conversations on the phone and email that my car is not equipped with the features necessary for pilot assist to function. The company promised to give me a refund for the amount of {$530.00}. After another couple of weeks of negotiating with them I received an email on XX/XX/XXXX stating that they had submit my claim for refund and that I would be receiving an email from XXXX XXXX within a month 's time with instructions on how to set up an account and would be able to receive my money via ACH. i contact XXXX XXXX and they told me there is nothing in their system with my name on it and that they had lied to me at Volvo because they had not received anything. I have contacted Volvo since then requesting XXXX 's number alongside verification documents that they have indeed were submitted my refund but I have been ignored again. All I want is my {$530.00} back or my car to be able to use the pilot assist feature and since that's not possible I want my {$530.00} back. 

Update : I spoke with a representative from Volvo cars USA and she advised me that they had submit the refund internally on XX/XX/XXXX and that I needed to wait 30 business days ( XX/XX/XXXX ) to receive my refund or to call back. I advised her that the time frame provided 30 business days was inappropriately long, and demanded it be rectified sooner. She told me there was a different team that handles such requests and that mine was the first refund she has ever seen Volvo USA approve, a major red flag. I demand my money back immediately, not in 30 business days it's already been 2 months which is plenty of time tm sort it out. The timeframe I was provided is outside of the scope of what is reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

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 not 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 2025-11-26 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: NY

Complaint narrative:
I am writing to dispute the following accounts on my Experian credit file. These accounts are inaccurately reported, and I request that they be investigated and corrected under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Bank Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX XXXX  Account Number : 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 2025-11-26 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this complaint regarding the inaccuracies in my credit report. Below are the accounts that I dispute across each of the XXXX credit bureaus, which I believe are incorrectly reported. I request that these items be investigated and corrected as appropriate. 

CHARGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
RE : FRAUDULENT ACTIVITY ON MY XXXX  XXXX XXXX ACCOUNT DEMAND FOR IMMEDIATE BLOCK & DELETION UNDER FCRA 605B XXXX  XXXX XXXX Reference / Account Number : XXXX XXXX Police Report # XXXX To Whom It May Concern : I opened the above-referenced XXXX XXXX XXXX checking account myself. 
However, after I opened it, an unknown person gained unauthorized access to the account and engaged in fraudulent activity ( including writing bad checks, overdrafts, or other misuse ) that I did not authorize, participate in, or benefit from. This criminal activity is what caused the account to be closed for cause and reported to ChexSystems. 
I am a victim of identity theft/fraud. The negative information you are currently reporting is the direct result of that criminal conduct. 
Attached is the official XXXX Police Department report # XXXX documenting this identity theft/fraud. 
Under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), when a consumer provides a valid police report, the consumer reporting agency MUST permanently block the reporting of any information that the consumer identifies as resulting from identity theft even if the consumer originally opened the account. 
Therefore, I demand that ChexSystems : Permanently BLOCK and DELETE the XXXX  XXXX XXXX information ( Reference/Account Number XXXX ) from my ChexSystems consumer report within four ( 4 ) business days of receiving this letter and the police report ; Send me written confirmation that the block and deletion have been completed. 
I have also attached a copy of my drivers license and Social Security card for identity verification. 
Failure to block this information within the statutory four-day period will constitute a willful violation of FCRA 605B and 1681e ( b ). I will have no choice but to file a federal lawsuit seeking statutory damages, actual damages, punitive damages, and attorney fees under 15 U.S.C. 1681n. 
I expect written confirmation of the block and deletion no later than XX/XX/year>. 
Sincerely, 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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 disputing the inaccurate personal information currently listed on my credit file. Certain details, including my identifying information, are incorrect and do not accurately reflect my identity. I am requesting that this information be reviewed, verified, and corrected in accordance with the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate and up-to-date records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I was the victim of an impersonation scam on XXXX. A person hijacked my cousin 's XXXX account and offered to sell me some items. Believing I was communicating with a family member, I sent {$2500.00} through XXXX  as a deposit. 

XXXX  released the funds to the scammer before the withdrawal from my bank was fully verified or completed. Once I discovered it was fraud, I reported it within a few hours of sending it, closed my bank account, and requested that XXXX  investigate. 

XXXX  is now attempting to collect this amount from me even though it resulted from criminal impersonation and social engineering. I am disputing that I owe this balance. 

I am requesting that XXXX  investigate this as fraud and remove the claimed balance from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit file. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX ( XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} XXXX XXXX XXXX  ( XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  ( XXXX  ) Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-26 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- {$1300.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX # XXXX -- {$480.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX  # XXXX  -- {$40.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX  # XXXX -- {$190.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX # XXXX -- {$11000.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  # XXXX -- {$2600.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VT

Complaint narrative:
I am writing to dispute certain accounts and inquiries that are reported on my credit report. Please find below the details of the accounts in question for each credit bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation