vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
I am filing this complaint regarding the inaccurate and unlawful reporting of a charge-off/collection account on my credit report. I have contacted the furnisher and/or debt collector to no avail, and am now requesting the assistance of the CFPB to ensure that my rights under federal law are upheld. 

Details of the Issue : XXXX Name : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is currently being reported as a charge-off/collection on my credit report by [ Equifax/Experian/TransUnion ]. I dispute the accuracy and completeness of the information and raise the following legal concerns : Violations Noted : 1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) The FCRA requires that furnishers of information maintain maximum possible accuracy. I have reason to believe the information being reported is inaccurate and/or unverifiable, including but not limited to : Inconsistent data across bureaus ( e.g., different balances, dates of delinquency, or account statuses ) Violation of 15 U.S.C. 1681i Failure to Investigate Disputed Information I submitted a formal dispute to the credit bureaus and/or the furnisher. Under this statute, they are obligated to conduct a reasonable investigation and remove or correct any unverifiable or inaccurate information within 30 days. That did not occur in this case.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I filed a dispute with all three credit bureaus ( XXXX XXXX XXXX XXXX ) regarding this incorrect account. 
I contacted XXXX customer service directly, and they were unable to locate an account tied to my name, Social Security number, or address. 
I requested a debt validation letter, as required under the Fair Debt Collection Practices Act ( FDCPA ), but Jefferson Capital has not responded in a meaningful way. 
I believe this may be a case of identity theft or misattribution, and I am concerned about the ongoing damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
paid off my auto loan two months ago and now trans union drop my credit score XXXX points it says XXXX  XXXX payment history change also in the past if you dispute some thing on your credit and the creditor write the comment your credit drop my account with XXXX  XXXX is reporting close on my credit file so how it it possible my score drop XXXX points

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 2025-06-05 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: 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 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 2025-06-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The loan group XXXX is no longer under borrower defense by XXXX as the case was rejected. Therefore as of now, Nelnet must immediately place group XXXX loans under SAVE forbearance and stop the interest on it immediately as borrowers defense is no longer active. Should Nelnet not follow through with the request of placing group XXXX loans under SAVE forbearance, Nelnet will face serious consequences including severe financial losses and more. The deadline to resolve this issue is limited and Nelnet must respond as soon as possible to avoid the consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I am a victim of identity theft. My FTC Identity Theft Report ( Report # XXXX, filed on XX/XX/year> ) outlines multiple fraudulent accounts and unauthorized hard inquiries that were added to my credit report without my knowledge or consent. 

I am requesting the immediate removal of all accounts and inquiries listed in my FTC report, including but not limited to : XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Hard inquiries from : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lending XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Co XXXX XXXX XXXX and others I am submitting this complaint because the credit bureaus have not properly removed this fraudulent information. This violates my rights under the Fair Credit Reporting Act ( FCRA ), especially XXXX ( blocking of information resulting from identity theft ).

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 2025-06-05 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: FL

Complaint narrative:
In XX/XX/year>, I was a victim of identity theft, a situation that has caused various irregularities related to the improper use of my personal information. As a result of this fraudulent activity, I have identified an account reported by the company XXXX XXXX XXXX, with account number XXXX, for an amount of {$14000.00}. I want to state that I do not recognize this account, as I have never had any contractual or financial relationship with this entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 recently submitted a dispute due to being a victim of identity theft and Experian is violating my rights under FCRA 605B despite receiving all proper documentation. I requested they block and remove the fraudulent information within 4 business days and they have not done so.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
What happened? 
Equifax is reporting an unauthorized account from XXXX XXXX XXXX ( Account # : XXXX ) on my credit report. I never applied for or opened any account with this creditor. This entry was made without my consent, without my authorization, and without any valid permissible purpose, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 

On XX/XX/year>, I submitted a formal dispute invoking my rights under : 15 U.S.C. 1681i requiring a reinvestigation and deletion of unverifiable information 15 U.S.C. 1681c-2 requiring blocking of any information resulting from identity theft 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) protecting financial privacy 18 U.S.C. 1028A criminalizing unauthorized acquisition or use of personal information To date, Equifax has not demonstrated any legal permissible purpose to report this account, nor provided any signed contract, application, or authorization. This is a clear violation of my consumer rights. I never authorized this account, never initiated any transaction with XXXX XXXX XXXX, and any continued reporting constitutes unlawful publication of false and harmful data. 

I demand that Equifax delete this account in full compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
In XX/XX/year>, I was a victim of identity theft, a situation that has caused various irregularities related to the improper use of my personal information. As a result of this fraudulent activity, I have identified an account reported by the company XXXX XXXX XXXX, with account number XXXX, for an amount of {$14000.00}. I want to state that I do not recognize this account, as I have never had any contractual or financial relationship with this entity.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: OK

Complaint narrative:
XXXX Complaint Letter Credit Report Inaccuracy & Deletion Request Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> Subject : Complaint Regarding Inaccurate and Obsolete Accounts on My Credit Report To Whom It May Concern, I am filing this formal complaint against XXXX  ( and possibly other bureaus ) due to multiple inaccurate, outdated, and misrepresented accounts on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which limits the reporting of certain obsolete information. 

Upon reviewing my recent credit reports, I noticed the following issues that are negatively impacting my XXXX  Score XXXX, which is currently reported as XXXX : XXXX. Multiple Collection Accounts There are at least XXXX collection accounts showing on my report, many of which have been : Paid in full, but still reporting negative statuses. 
Reported without accurate verification or itemization of debt. 
Reported by third-party debt buyers with outdated or unverifiable data. 

XXXX. Charged-Off Accounts Accounts like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional XXXX  These have been charged off but continue to show derogatory history without updated balance verification or appropriate dispute resolution. 

XXXX. Duplicate Listings and Debt Sold Some debts ( e.g., XXXX  XXXX ) appear to have been sold and re-listed by debt collectors like XXXX XXXX XXXX, XXXX XXXX XXXX This creates duplicate reporting, which falsely inflates my negative credit history. 

XXXX. Violation of 15 USC 1681c-2 This section specifically requires : That paid medical collections be removed after they are resolved. 
That obsolete accounts ( over XXXX XXXX XXXX ) not be reported. 
That certain data, including paid collections, should be excluded from reports used for credit decisions. 

I believe that many of these accounts should have aged off, been updated to reflect accurate status, or removed due to a lack of proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Dear Credit Bureaus Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from the Fair Credit Reporting Act. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these inquiries from mu credit report immediately. If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including :

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 2025-06-05 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-05 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-05 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: 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 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 2025-06-05 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: 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 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
These accounts listed below are all fraudulent accounts due to the credit breach and my information being leaked to the dark web. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, BY law, these accounts listed must be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts listed below are all fraudulent accounts due to the credit breach and my information being leaked to the dark web. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, BY law, these accounts listed must be removed

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally express my concern and disappointment regarding the ongoing restriction on my Chase bank account, which has been blocked since Monday XX/XX/year>. I deposited a check issued by a Chase Business Account, which has already been cleared from the payers account. Despite this, my account remains restricted, preventing access to the funds. 
I have visited a Chase branch and made several phone calls to resolve this issue. I even spent over an hour today in person with a Chase representative. The business account owner, who has several business accounts with Chase, personally confirmed the legitimacy of the transaction. As the authorized bookkeeper for his businesses, my email and phone number are listed in Chase records and associated with these accounts. 
However, I was informed that Chase verifies only the phone number directly listed on the account from which the check was issued, and not those stored within Chases internal records or client files. This has created an unreasonable and unnecessary obstacle to resolving my situation. 
As a result of this block, I am currently in New York for work purposes without access to my funds, and I am unable to pay my personal credit card or other expenses, all due to an issue entirely on Chases side. 
This situation has caused me serious distress, and I demand immediate action to release the funds or provide a detailed, written explanation for the continued restriction. I also wish to escalate this complaint to Chase Executive Support and to the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with non-monetary relief