vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: DC

Complaint narrative:
When I received the paperwork, it asked me to file with your site. I'm in the process of doing that now. then I will be mailing the papers back to them. 

File Dispute date open : XX/XX/year> amt due : {$1800.00}

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 2025-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-22 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: FL

Complaint narrative:
Maintaining a good credit is a priority for me, which is why Im really upset about the mistakes on my credit report. These inaccuracies are super stressful and its just frustrating to see my credit get impacted by errors that arent even my fault. I'm really concerned and want this resolved ASAP because I dont want to wait for any more damage to be done.

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 2025-07-22 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: MN

Complaint narrative:
This account XXXX was charged off years ago and, according to the comments, was sold to another lender. Since its no longer owned or collected on by the original creditor, it should no longer be reporting as derogatory or showing a charge-off/collection status. The balance is {$0.00} and the past due is {$0.00}, so keeping it listed this way feels misleading and unfair. Also XXXX is reporting a different account number. 

Its also worth pointing out that some of the information looks inconsistent across different credit bureaus like the high credit amount and dates which makes me question the accuracy of the reporting overall.

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 2025-07-21 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I was officially awarded forgiveness XXXX. I have a refund statement on my account of XXXX First why did it take 4 months to show overpayment/ refund? Now it is XXXX still no refund to my account for overpayment. Stating it's the treasury department that is the delay is no excuse. 6+ months of waiting on a refund. My loan had a 6.8 % interest rate and that was enforced on me the whole loan. So now do I get 6.8 % interest on my refund? Every resource I have found states the same thing about Mohela. Never get a resolution. Always on hold. And still no refund.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
Trying to buy a house and their is negative information on my credit report Some creditors are harassing me thru courts about garnishee on my paycheck According to the 15 U.S.C 1682 their should not be any damage on my credit report as a definition of my character.

Please remove all Fraudulent Accounts Immediately

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reporting multiple unauthorized hard inquiries that have appeared on my credit report from auto dealerships and financing companies. I did not apply for credit with these businesses, nor did I authorize any credit pulls. 

Below is a full list of inquiries I am disputing due to lack of permissible purpose under the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) 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 I did not sign or submit any credit applications with these businesses. If I browsed for vehicles or made general inquiries, I explicitly did not authorize a hard credit pull, and no documentation has been provided to justify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
After reviewing the law 15 U.S. Code 1692g the debt collector never provided written notice to me containing this account. The debt amount, the creditor 's name, and a statement that the debt will be assumed valid unless disputed within 30days. 
Account Name : XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I have submitted a formal federal privacy complaint under the Gramm-Leach-Bliley Act and FCRA. This company is collecting and sharing my personal and financial data without my knowledge, consent, or legal authorization. I have attached a signed letter, my ID, and proof of address. I am demanding full deletion, revocation of authorization, and federal enforcement for violations under GLBA 6802 and 6803

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I have submitted a formal federal privacy complaint under the Gramm-Leach-Bliley Act and FCRA. This company is collecting and sharing my personal and financial data without my knowledge, consent, or legal authorization. I have attached a signed letter, my ID, and proof of address. I am demanding full deletion, revocation of authorization, and federal enforcement for violations under GLBA 6802 and 6803

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 2025-07-22 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: MI

Complaint narrative:
While I was locked up from XXXX to XXXX 32 accounts was opened up in my name. The names : 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 XXXXD XXXX, ALL accounts follow under 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 XXXXXXXX. Attached are the following accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-22 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: GA

Complaint narrative:
b'I am writing to formally request the removal of inaccurate personal information and the update of correct identifying details on my credit file, as permitted under the Fair Credit Reporting Act (FCRA), specifically 15 U.S. 1681g and 1681i.\n\nAfter obtaining a copy of my credit report from your agency, I have found multiple items of outdated, incorrect, and/or unauthorized personal information. These inaccuracies may negatively impact my credit profile and could constitute a violation of my rights under the FCRA.\n\nPlease REMOVE the following incorrect information:\nPrevious addresses:\nXXXX 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-\nIncorrect or unrecognized phone numbers:\XXXX\nIncorrect name variations:\XXXX XXXXn\n\nPlease UPDATE or RETAIN the following accurate information only:\nFull Legal Name: XXXX XXXX XXXX  \nCurrent Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXXnCurrent Phone Number: XXXXn\nSupporting Documentation Enclosed:\nCopy of government-issued ID (e.g., drivers license)\nRecent utility bill or lease/mortgage with my correct address\nSocial Security card or similar document confirming identity (if needed)\n\nAs required by law, I expect the inaccurate information to be investigated, removed, or corrected within 30 calendar days of your receipt of this request.\n\nFailure to comply may constitute a violation of the FCRA and could result in a formal complaint with the Consumer Financial Protection Bureau (CFPB) or legal action.\n\nThank you for your prompt attention to this matter.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Description of the Issue : I am formally disputing and reporting a series of unauthorized hard inquiries that have appeared on my credit report. I did not apply for credit, authorize these inquiries, or provide any express written consent as required by federal law.

The following companies unlawfully accessed my credit file : 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  These inquiries were not authorized in writing, as required by the Fair Credit Reporting Act ( 15 U.S. Code 1681b ( a ) ( 3 ) ), which mandates a permissible purpose for accessing a consumers credit file. The law further requires affirmative, informed, and specific consent before a hard inquiry is conducted.

Further, under 15 U.S. Code 1681q, obtaining consumer information under false pretenses is a federal offense. Each of these inquiries constitutes a violation of my privacy and may expose the parties involved to civil liability under FCRA 1681n and 1681o for willful and negligent noncompliance, respectively.

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to accurate reporting and the right to dispute incorrect or unauthorized 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 2025-07-22 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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 non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am filing this complaint against Discover because they mishandled my fraud concerns regarding my account. My Discover account has been frozen for almost a year due to fraudulent charges connected to confirmed data breaches ( including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not disputing that I opened the account. I continued making payments solely to protect my credit, not because I accepted responsibility for the fraudulent activity. Despite submitting documentation of the breaches and reporting the fraud, Discover denied my fraud claim based on the fact that I had made payments. 

Discovers mishandling of this matter treating my fraud claim as a basic dispute has allowed the negative reporting to continue. They have failed to correct this properly despite my compliance and documentation. 

I am requesting CFPB intervention because Discover has ignored the impact of these breaches and is continuing to report fraudulent activity on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I do not agree with the accounts listed below which still appear on my credit report even after your investigation. I am requesting that these accounts be immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : 30 Days Past Due Last Payment Made : Not specified Remarks : Account 30 days past due On XX/XX/year>, I reviewed my credit report and found an account listed under XXXX XXXX marked as 30 Days Past Due, with no payment history or specific amount provided. The account number ends in XXXX. 
I do not recognize this account and have never opened or authorized any financial relationship with XXXX XXXX  or XXXX. I believe this entry may be the result of identity theft or a reporting error. I have not received any prior communication from either company regarding this account, nor was I given an opportunity to validate or dispute it before it appeared on my credit report. 
On XX/XX/year>, I attempted to contact NetCredit to request verification of the debt and supporting documentation. As of today, I have not received a response or any evidence confirming the legitimacy of the account. 
I am requesting a formal investigation into this matter. If the company can not verify the debt with proper documentation, I ask that this past-due account be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that unverifiable or inaccurate information be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I submitted a formal dispute to AMEX under 15 U.S.C. 1681s-2 ( b ) after identifying inaccurate and outdated information in their tradeline reporting to the credit bureaus. Despite proper notice and supporting documentation, AMEX has failed to correct or verify the disputed information or provide any written results of its investigation.

Company response to consumer: Closed with explanation