vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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:
his complaint against Experian Information Solutions , Inc. for illegally re-inserting a fraudulent account on my credit report that had already been deleted. 

On XX/XX/year>, the fraudulent account XXXX XXXX XXXX Account # XXXX was deleted from my Experian report after my dispute. However, on XX/XX/year>, Experian reinserted the same account without sending any written notice, proof of certification, or reinvestigation summary as required under the Fair Credit Reporting Act ( FCRA ). 

This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which states that a deleted account can not be reinserted without proper certification from the furnisher and written notice to the consumer within five business days. I have not received any such documentation.

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 2025-10-13 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: SC

Complaint narrative:
Based on a previous complaint ( XXXX ) filed with CFPB, they were providing addition information but it hasn't been received. IT's been over 90 days since I filed the original complaint with the CFPB. Please remove this from my 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 2025-10-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Based on a previous complaint ( XXXX ) filed with CFPB, they were providing addition information but it hasn't been received. IT's been over 90 days since I filed the original complaint with the CFPB. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Statebridge Company
State: VA

Complaint narrative:
My Loan was transferred to this company. I contacted them after receiving a demand letter to pay the entire amount of the loan. When i did call asking to make a payment they transferred me to a gentleman. He says he will not except a payment. He would only except full amount owed. I have been paying on this loan since XXXX or XXXX. I have requested the original documents of the loan and have not recieved anything. I then recieved a letter from a lawyer demanding I make a payment or they would put the home into foreclosure. This is a second mortage and we feel we have paid this loan off a long time ago. We feel as we have been a victim of predatory lending, high interest rate and it was transfered without our knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Cease and Desist Notice Account # XXXX ( XXXX  ) Dear Credit Collection Services, I am formally requesting that you cease all communication with me regarding the above-referenced account, effective immediately. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are prohibited from contacting me further except to : 1. Confirm that you will stop communication, or 2. Notify me of specific legal action you intend to take.

I also request full validation of this alleged debt, including the original signed agreement and itemized accounting. Until proper validation is provided, you must not report or continue reporting this debt to any credit bureau under 15 U.S.C. 1692e ( 8 ). 

Failure to comply with this request will be considered a violation of federal law, and I will pursue all available remedies. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I had signed up for service with XXXX XXXX XXXX, I had 4 lines of service with them. I traded in phones upon signing up. Two phones were given in for the trade and the bill was to be credited. When I tried to switch over my phones and other lines were shut off and I was sent a final bill for {$4200.00} this wasnt correct and no one I talked to from XXXX XXXX XXXX tried to help or listen. So I made a consumer complaint with the Illinois Attorney Generals office File # XXXX. This matter was settled and the amount was to be removed. I submitted all the facts and supporting documentation to them and XXXX XXXX XXXX waited years and put this on my credit report. This is not valid and I no longer am responsible for these trumped charges against me.

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 2025-10-13 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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 talked with someone around XXXX of 2025 the problem is it's my son 's account not mine and it's even under his social so they would not give me any 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 2025-10-14 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: OH

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX This various late payments does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXXXXXX XXXX I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my informationwithout my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumercredit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made.

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 2025-10-14 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: OH

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX This various late payments does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXXXXXX XXXX I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my informationwithout my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumercredit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENT IS INCORRECT AND UNVERIFIED.

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
After reviewing my XXXX or XXXX account. I noticed accounts that woro not famiar to mo. I sent a validation letter to XXXX requesting the listed accounts and havo yet to recere any Information that justifies the reporting of the accounts on my XXXX  report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/XXXX there where 2 unauthorized transactions Made on my Account. The Total Was {$360.00} and {$20.00}. Both Sent to the Same person which I Now am Pretty Certain is the Person that Stole My Phone Out of My Vehicle while I was at Work that Day. I Spoke with Chime representative and Explained Exactly how my Device was stolen And that Shortly afterwards is when the Transactions were made. I explained to them That I have My Passwords on auto save on my device which is How I'm guessing they were able to Make the transactions. They Told me they would begin the dispute And Look into it. Now ten days Later I am being told their was never a dispute made for the Transactions. Which is Not the first time they Have Been very Rude and Unwilling to help me With an Unauthorized transaction. I just Want my Funds to be Rightfully returned into my account seeing as I am now behind on two bills due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AR

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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: AR

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
Auto loan was removed and added back to account. Despite never having done business with this company. I have provided police reports, fraudulent documentation.

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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) persuaded me to follow a degree path that did not exist. I was led to believe that I would receive 99 % job placement at our local XXXX  for a new degree. I was led to believe that the college had been working with our local XXXX, which I was told had received a grant, specifically for this new and upcoming degree. I made it known that I would not be able to relocate after graduation and was promised this opportunity. Because our class was small, we were all promised placement at the local XXXX, which worked in conjunction with the college, should we wish to remain here after graduation. The degree was XXXX XXXX. After 5 years of college, I was told that the grant with the local XXXX  was canceled and there were no more known opportunities available to me anywhere in the state just before graduation. The college stopped offering the degree after my graduation. We were promised careers with full benefits and starting salary, with no experience, would be about {$70000.00}. This was 17 years ago. I have never been able to find a job with my degree in the state or anywhere in the country. I feel my degree was made up to earn more money for the school, when they knew the degree was completely made up. This was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
b'I am filing this formal complaint against multiple furnishers and the credit reporting agencies for willfully reporting false, inaccurate, and unverifiable information on my credit file in violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, and the Fair Debt Collection Practices Act (FDCPA) where applicable.\n\nI have identified numerous errors on my credit reports, including wrong addresses, inaccurate account information, unverifiable late payments, charge-offs, and improper inquiries. These inaccuracies are severely damaging my credit profile and are causing financial harm.\n\n1. Inaccurate Addresses ReportedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address\n\nThese addresses are not associated with me, and their inclusion indicates serious negligence in verifying my personal identifying information.\n\n2. Accounts Reporting False/Unverifiable InformationXXXX 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 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 XXXXMany of these accounts are either obsolete, unverifiable, inaccurately reporting late payments, or reflecting balances and statuses that are not consistent with my records.\n\n3. Improper/Unauthorized InquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI did not authorize these hard inquiries. They were made without my consent, violating the FCRA.\n\nMy Demands\n\nImmediate investigation and deletion of all inaccurate addresses, accounts, and inquiries listed above.\n\nWritten proof and validation for each account reported under my credit file. If the furnishers cannot provide verifiable documentation, the accounts must be deleted.\n\nCorrection of all credit reporting to reflect accurate and truthful information as required under the FCRA.\n\nEnforcement of compliance actions against furnishers and reporting agencies who continue to report false or unverifiable information.\n\nThese repeated violations constitute negligent and willful noncompliance under the FCRA and FDCPA, entitling me to damages. I request the CFPBs immediate intervention to ensure my rights are protected and these harmful errors are corrected without delay.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Subject : Request for Removal of Unauthorized Credit Inquiries FCRA 604 ( a ) Dear Equifax, I am writing to formally dispute and request the removal of unauthorized hard inquiries that appear on my Equifax credit report. I did not grant permission to the listed companies to access my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ), a credit bureau may only provide credit information if there is a permissible purpose authorized by the consumer. Since I did not initiate or consent to these inquiries, they are unauthorized. 

Please investigate and remove the following unauthorized inquiries from my Equifax file : XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX these unauthorized inquiries within XXXX  days as required by law, and provide me with an updated report once the investigation has been completed.

Company response to consumer: Closed with explanation