vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- Balance : {$150.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$270.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$270.00} - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$290.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$200.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$120.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Equifax reinserted the same fraudulent data, violating the clear mandates of the FCRA. YOU HAVE BEEN SUED FOR THIS BEFORE. This isnt your first time, and unfortunately, I am not your only victim. Equifax has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inaccurate late payments continue to show up on my credit reports this morning, which is very upsetting. They were not removed when I checked, so I insist that the documents I provided be thoroughly examined immediately so I can stop worrying about this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OR

Complaint narrative:
I attended XXXX  XXXX XXXX in XXXX  I believe. I had to take out private student loans through XXXX XXXX to pay tuition. I was given false information about job placement and salary. There was a huge settlement because of fraud committed by XXXX  XXXX. I'm trying to get my loans forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-11-12 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: NV

Complaint narrative:
I'm sending this complaint because Ive identified multiple errors on my credit report that need to be corrected immediately. I take my credit and personal information seriously, and what Ive found is unacceptable. This letter serves as my formal request for you to investigate and remove the following : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
This complaint concerns, a deceptive debt collection attempt by XXXX XXXX XXXX acting on behalf of XXXX XXXX XXXX XXXX. The consumer received what appeared to be a court summons with a stated hearing date of XX/XX/year> at XXXX XXXX, but the document contained no case number courtroom division or clerks seal on XX/XX/year>. The consumer contacted the XXXX XXXX combined courts and was informed that no case had been filed in their name confirming that the document was not an official court filing the materials also include a redacted bill of sale, referencing the consumers personal information last four digits of Social Security number address email but no signed agreement or original collectors verification conduct may result violations of the following laws bar debt collection practices act 15 USC 1692E ( 10 ) 1692E ( 13 ) Colorado fair debt collection practices act CRS 5-16-108 ( 1 ) ( h ) requested action the consumer request that the Colorado Attorney General and relevant agencies investigate XXXX XXXX XXXX and XXXX XXXX XXXX for deceptive and misleading debt collection practices and taking enforcement action on appropriate to prevent further consumer harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MA

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX - Balance : {$510.00} - Date Opened : 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 explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am sending this complaint beacuse this is my third time disputing the same accounts, and XXXX growing extremely frustrated. Ive followed all the steps, been patient, and waited through every XXXX period only to see these accounts still lingering on my report with XXXX legitimate verification. Let me be clear : these accounts are inaccurate, unverifiable, and need to be permanently removed. You are legally required to conduct a real investigation not just rubber-stamp responses from data furnishers. What Ive received so far is not verification, and its not acceptable. The accounts in question are : XXXX XXXX {$910.00} XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$28000.00}

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 2025-11-12 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: MI

Complaint narrative:
Experian is sharing my information without my consent and has not verified that they have the legal authority to report information that they have stolen from 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 2025-11-12 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:
It is extremely frustrating to see that unauthorized inquiries continue to show up on my credit report today. They should have been removed already, yet they are still there even after I checked again. I need this matter looked into immediately and the documents I provided reviewed thoroughly so I can finally have peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Capital Accounts, LLC
State: NJ

Complaint narrative:
I received late payment .. I always pay my bill on time

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes and supporting documentation, the credit bureaus have failed to perform a lawful reinvestigation and continue to report inaccurate and unverifiable information on my credit reports. It has been well beyond the legally permitted time frame for reinvestigation, yet no valid documentation or verification has been provided. 

Their actions violate several sections of the FCRA, including : 15 USC 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 USC 1681i ( a ) ( 7 ) Failure to provide a statement of the method of verification 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy The bureaus have not provided documentation used to verify the disputed items, details of their verification methods, or the contact information of the furnishers relied upon. This ongoing inaccuracy has caused harm to my consumer rights and credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes and supporting documentation, the credit bureaus have failed to perform a lawful reinvestigation and continue to report inaccurate and unverifiable information on my credit reports. It has been well beyond the legally permitted time frame for reinvestigation, yet no valid documentation or verification has been provided. 

Their actions violate several sections of the FCRA, including : 15 USC 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 USC 1681i ( a ) ( 7 ) Failure to provide a statement of the method of verification 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy The bureaus have not provided documentation used to verify the disputed items, details of their verification methods, or the contact information of the furnishers relied upon. This ongoing inaccuracy has caused harm to my consumer rights and credit standing.

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 2025-11-12 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: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending to provide a detailed, chronological narrative regarding several accounts reported on my credit file, as I have identified multiple inaccuracies and inconsistencies that I believe do not reflect the true history of my accounts. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires credit reporting agencies to maintain accurate, complete, and verifiable information and provides consumers the right to dispute any information that is inaccurate, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX Balance {$8400.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> LATE 30, 60, 90 DAYS XXXX  XXXX Balance {$100000.00} Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> LATE 90, 120 DAYS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One accepted performance under my credit card account, issued credit, and later closed the account. After closure, they altered the account status to restricted and increased the reported balance even though the amount charged was legitimate and no further usage occurred. Once an account is closed, no updates to the balance should occur unless they reconcile it to XXXX. Their post-closure adjustment constitutes procedural obstruction and misrepresentation of account status. 
They then furnished this altered data to credit bureaus, causing a drop of approximately XXXX points in my credit score. I did not authorize this furnishing, and the balance increase occurred after the account was rendered unusable. Their actions constitute : Ledger manipulation Procedural obstruction Unauthorized furnishing of data Reputational harm and credit score injury Breach of fiduciary duty Emotional distress and denial of remedy Supporting Documentation : I am prepared to submit : Affidavit of Reconciliation and Procedural Obstruction Damages Ledger Summary Timeline of account activity and correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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