vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
Factual Dispute Letter Request for Immediate Deletion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ga XXXX SSN : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : URGENT : Factual Dispute Request for Immediate Deletion of Inaccurate Account ( XXXX XXXX XXXX XXXX XXXX XXXX  ) To Whom It XXXX Concern, I am formally disputing the reporting of the account listed below under my credit file as it is factually inaccurate, inconsistent, and in violation of the Fair Credit Reporting Act ( FCRA ) : - XXXX XXXX - Original Creditor : XXXX XXXX XXXX - Balance : {$370.00} - Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Date of Last Activity : TransUnion : XX/XX/XXXX / Experian : XX/XX/XXXX - Status : TransUnion - XXXX / Experian - Closed - Payment Status : Collection/Chargeoff This account is reported with conflicting dates of last activity, status ( open vs. closed ), and reporting activity between TransUnion and Experian, which constitutes a violation of your duties under XXXX U.S.C. XXXX and XXXX XXXX. XXXX ( b ) which require you to report only accurate and verifiable information. 

Specific Discrepancies : - The same account is shown as open on TransUnion and closed on Experian this is not factually possible. 
- The Date of Last Activity differs between bureaus. 
- There is no record of payment history, yet the account is listed as a chargeoff/collection. 
- XXXX has no record of this account, which further questions its validity. 

These material inconsistencies prove that the information can not be verified as accurate. Under FCRA Section XXXX, I am demanding the immediate deletion of this account from my credit report. Continuing to report unverifiable, inaccurate, or inconsistent data after a formal dispute is a willful violation of the FCRA and subject to damages under XXXX XXXX. XXXX. 

Please complete your reinvestigation within XXXX  days of receipt and send me an updated copy of my credit report reflecting the deletion. If the account is not removed, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies. 

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 2025-07-16 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: IL

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

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 2025-07-16 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: CA

Complaint narrative:
I submitted a complaint to the credit bureaus over a month ago, yet the incorrect information on my report remains unchanged. I have not received any updates from the bureaus, aside from your notification indicating that the company has addressed my complaint. How can I be assured that they have thoroughly investigated the inaccuracies? What verification methods were utilized to assess the accounts? This situation is extremely frustrating. More than 30 days have passed since my complaint, and the disputed accounts are still not updated. If this persists, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, especially in light of the data breach involving Equifax, Experian, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SLM CORPORATION
State: PR

Complaint narrative:
I am being charged a debt from Sallie Mae around XXXX. I am not sure of the date but it was sometime during 2023. I am getting calls to pay the amount that I cosigned but yet I have never cosigned for anyone with this company. I haven't received any proper documents from this company but dept collection matters over the phone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AL

Complaint narrative:
The company keeps sending back the loan is in forbearance to the credit bureau. And it is with Accumulating interest This has been on going for the last couple years. I attended the XXXX XXXX XXXX, ( XXXX XXXX ) the school misled me and gave me false hopes about taking the classes to help me find employment in business management My advisor would call multiple times a day or leave voicemails. She Reassured me that upon completion of my degree the school would help seek better employment it would help me find employment for repayment of my loans. I have asked continuously from my paperwork and both companies continue to give me the runaround I feel that the XXXX XXXX XXXX along with XXXX  have mishandled or violated state laws directly related to the Federal Student loans/ educational service provided. I feel that under the Borrows Defense Program my loans should be Forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-16 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MO

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This morning, I discovered an unauthorized inquiry on my credit report, and I have no clue how it got there. I always monitor my report, and this is the first time I've seen such an error. Hoping it was a simple mistake, I refreshed my browser, but nothing changed. I am beyond frustrated, and I demand an immediate and thorough review of the documents I submitted so this never happens again.

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 2025-07-16 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: NC

Complaint narrative:
I was impacted by Equifax Data Breach XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Georgia, Case No. XXXX ). I am requesting the certification of the accuracy of each and every piece of information, stated about me. I have never permitted or authorized for any of my personal or consumer information to be reported, released, or otherwise circulated by you in any way, shape, or form. Should you proceed to report any form of my personal information without my express, publicly available authorization, such an act would result in a direct federal law violation. The information is frivolous and needs to be removed, I have never authorized the accounts. 
Fraudulent Accounts : 1. Furnisher : XXXX XXXX : Balance : {$8800.00} : Open Date : XX/XX/XXXXXXXX  XXXX. Furnisher : XXXX XXXX XXXX : Balance : {$1500.00} : Open Date : XX/XX/XXXX XXXX. Furnisher : XXXX XXXX XXXX  Balance : {$810.00} : Open Date : XX/XX/XXXX XXXX. XXXX : XXXX XXXX : Balance : {$6200.00} : Open Date : XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX : Balance : {$1400.00} : Open Date : XX/XX/XXXX XXXX. XXXX : XXXX XXXX XXXX : Balance : {$1300.00} : Open Date : XX/XX/XXXXXXXX  Problem : Identity theft through unauthorized account creation and reporting. 
I plea a certified statement of accuracy of all and any information that has been disseminated about me, and a prompt discontinuation and expurgation of all unverified, inaccurate, or unauthorized information. If you fail to comply with this demand, I shall institute a lawsuit against you through federal and state regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
I am filing a complaint because Ed Financial is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified. I have disputed this with the credit bureaus and the furnisher but the late payments remain without proper validity or documentation. Under 15 USC 1681S2A, furnishers must report accurate information. Under 15 USC 1681i the credit bureaus must perform reasonable investigations within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Recently, I conducted a personal investigation of my credit reports and discovered multiple accounts that are unverifiable, invalidated, inaccurate, and questionable, which your agency has failed to ensure are 100 % accurate and fully substantiated. This failure represents a clear violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer.

According to 15 U.S. Code 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in the information they report. Inaccurate, outdated, or incomplete information that can not be verified must not be included in a consumer 's credit file.

Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed item of information is found to be inaccurate, incomplete, or can not be verified after reinvestigation, it must be promptly deleted from the file and can not be reinse
rted without full certification of accuracy by the furnisher.

Furthermore : Reporting unverifiable data is a direct violation of FCRA 1681i ( a ) ( 1 ) ( A ), which requires agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute.

Continued reporting of inaccurate items without full investigation violates FCRA 1681s-2 ( b ), which holds data furnishers accountable for correcting or deleting inaccurate information once notified of a dispute.

If any of these accounts are reported without permissible purpose or consent, this may also violate FCRA 1681b.

Your agencys failure to ensure the integrity and accuracy of the data reported is not only negligent, but it also exposes you to liability under FCRA 1681n and 1681o, for willful and negligent noncompliance. 

For your reference, I have attached copies of all prior dispute letters and supporting documentation. I demand immediate removal or correction of the inaccurate accounts and a written response confirming the outcome of your reinvestigation.

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