vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: PA

Complaint narrative:
I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Experian credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.

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 2025-09-15 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-09-15 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 recently reviewed a copy of my credit report and noticed I have fraudulent accounts. Please remove the fraudulent accounts.

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 2025-09-15 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 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 XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} Account Name XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1400.00} Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$29000.00} Account Name XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$620.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/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 2025-09-15 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: PR

Complaint narrative:
On XX/XX/year>, I submitted a written dispute regarding the below-referenced account, reported as a collection on my credit file. To date, the account remains on my credit report despite my request under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to validate or remove the debt within the statutory timeframe. 

I have no knowledge, relationship, or authorization of any account with XX/XX/XXXXResurgent Capital Services, or LVNV Funding LLC. To the best of my knowledge, this account is either erroneous or fraudulent. 

I am now demanding the immediate deletion of this account from my credit file with all consumer reporting agencies, as continued reporting without proper validation is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
I have encountered difficulties accessing my EXPERIAN account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Some time prior to XXXX, I created an account with Experian, registered with my phone number and SSN, and froze my credit report. Last year, Experian 's pathetically incompetent security allowed a hacker to somehow take over this account, unfreeze the report, and register it with his email and phone number. Experian sent me no notice, either through email or phone, that this had happened. The hacker then applied for a card with my name. I attempted to access this account but was unable to due to it being registered with the hacker 's email/phone. I was able to freeze the account. However, I am now unable to access the account to unfreeze it, or even to update the incorrect address information that Experian seems to be keeping. I have tried to do this through the website, through the phone, and through the app. There appears to be no way for me to speak with a support person.

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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding a fraudulent account being reported by Credit Acceptance.

Credit Acceptance has already admitted that the date of birth on this account does not match my correct date of birth. This proves the account is not mine and is the result of identity theft. An incorrect date of birth is a key indicator that the account was fraudulently created using my personal information without my authorization.

Because of this error, I have suffered serious personal harm. I am a military veteran, and this inaccurate debt has damaged my credit so severely that I experienced homelessness as a direct result.

Under the Fair Credit Reporting Act ( FCRA 605B, 15 U.S.C. 1681c-2 ), furnishes are required to block and remove fraudulent information once identity theft is established. By continuing to report this trade-line, Credit Acceptance is violating my rights and worsening the hardships I have already endured.

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 2025-09-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On XX/XX/year> my vehicle was totaled. My insurance company paid the majority of the loan off and I was responsible for the deficiency. I called Honda Financial Services several times over the last almost 3 months. Every representative gave me a different amount owed and it doesn't seem that they input adequate notes in their system because I have to explain repeatedly what is happening. I have documented payments made in the meantime and they don't have it calculated correctly. The online account I also requested to close because that reflects the lease and that is terminated due to total loss of vehicle. Their online account reflects an incorrect amount owed and I'm afraid of it negatively impacting my credit if not closed out correctly. I have also requested to speak to a supervisor and am told by the representative that the situation will be handled and I have yet to speak to a supervisor and it's still not resolved months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-15 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I feel victim to an " open door '' scam when attempting to rent a house. After gaining entry to the home, communicating with the " owner '' and receiving a ( fake ) lease I sent money for the deposit through XXXX to what I believe is a prepaid gift card. I later discovered the whole thing was a scam and tried to refute the transaction with my bank chase whom initially refunded the money. After a few weeks they took the money back claiming XXXX says it was an authorized transaction. This conclusion is incorrect. The transaction was made under fraudulent duress and manipulation by the scammer and was not a legitimate payment. I am requesting that the CFPB review Chase 's investigation and its incorrect determination that I am responsible for a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: LA

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/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$920.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} 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, 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/2025 Oliphant Financial LLC I am filing this complaint because Oliphant Financial LLC is reporting a collection account on my credit reports ( from XXXX ) in the amount of {$29000.00} without having ever provided proper validation of the debt. Despite multiple phone calls from this agency, I have never received a debt validation letter as required under FDCPA 809 ( b ).

I formally requested documentation such as : Original signed agreement with XXXX XXXX XXXX XXXX of assignment Itemized statement of charges None of this was provided. Under the FCRA 611 ( a ), any unverified information must be removed. Oliphant has also continued to contact me by phone, which constitutes a potential violation of FDCPA and XXXX XXXX XXXX XXXX. 

I demand full deletion of this tradeline and a cease of all collection activity until the debt is properly validated, as required by law. 

XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer 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 non-monetary relief
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
On XX/XX/year>, I submitted disputes with Experian and Equifax through the CFPB requesting the Method of Verification ( MOV ) for multiple fraudulent accounts that are not mine. My request specifically asked for : the name of the furnisher contacted, the date and time of verification, and a copy of the signed contract, since Georgia is a contract state. 
Both Experian and Equifax failed to provide this information and instead marked the accounts as verified. To date, they have ignored my lawful request under the FCRA. This is now my second notice, and I am escalating the matter to the CFPB and the Georgia Attorney General for enforcement. 
I demand that these fraudulent accounts be removed from my credit reports within 15 days or that the bureaus provide the full MOV and signed contracts as required by law. Their failure to respond violates my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I am filing another complaint regarding my federal student loans with Mohela. My account is still being placed in forbearance even though I have repeatedly requested forbearance to be removed.

My account currently shows a {$0.00} payment due because of the unwanted forbearance.

I submitted an Income-Driven Repayment ( IDR/IBR ) request so that I could begin making qualifying payments, but Mohela has failed to process this correctly.

In my prior CFPB complaint, Mohela responded that the issue was corrected, but as of today, it has not been resolved.

This error is preventing me from making qualifying payments toward Public Service Loan Forgiveness ( PSLF ) and is negatively affecting my repayment plan.

I am requesting immediate correction of my repayment status, removal from forbearance, and confirmation that my account reflects my proper repayment plan.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

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