vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX Reinserted a Deleted Account After Certifying to the CFPB That It Would No Longer Report the Account I previously filed a CFPB complaint against XXXX XXXX XXXX regarding the reporting of Account XXXX XXXX XXXXXXXX ( Rise Credit / Debt Buyer Account ). 
In their official CFPB response, XXXX confirmed in writing that they would no longer report this account to any credit reporting agency. 
However, XXXX has now reinserted this account on my Equifax credit report, and Equifax shows the account updated as of XX/XX/year>, with ongoing derogatory G Collection status codes. This violates multiple federal laws : 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Information Known to Be Inaccurate NCB knowingly re-reported an account they already admitted they would not report. This is intentional misrepresentation. 2. FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion Without Notice This a
ccount had been previously deleted from the Equifax file ; yet Equifax reinserted it without providing the mandatory 5-day written notice.

Equifax failed to follow reinsertion procedures, and the furnisher failed to supply the required certified documentation.


3. Violation of the Prior CFPB Agreement NCB certified to the CFPB that this debt would no longer be reported anywhere, yet they have resumed reporting. This demonstrates : Bad-faith conduct Failure to comply with a CFPB-mandated resolution Continued unlawful furnishing activity 4. FDCPA Violations ( 807 & 809 ) Re-reporting a debt after agreeing to cease collection is an unfair collection practice and misleading representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
Complaint Summary : I am a victim of identity theft, mixed-file activity, and data breaches that have resulted in materially inaccurate and inconsistent tradeline data on my credit file. I formally dispute all items listed below under the Fair Credit Reporting Act ( 15 U.S.C. 604, 607 ( b ), 609 ( a ), 611, 605A, 605B ). The furnisher of the XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX ) has been non-compliant and failed to provide any required verification or documentation. 

Despite submitting an FTC Identity Theft Report ( Ref. # XXXX ), a police report ( Case # XXXX ), prior dispute correspondence, and highlighted credit report pages, Equifax has failed to : Block or suppress identity-theft or unverifiable information as required under 605B.

Provide any Method of Verification ( MOV ) for the XXXX XXXX account, including furnisher name & member code, documents reviewed, XXXX XXXX codes, or proof of verification. 

Correct personal information or reconcile inconsistencies across credit reporting agencies. 

Properly handle reinsertion of deleted items ; the XXXX XXXX account was reinserted without 611 ( a ) ( 5 ) ( B ) notice or certified proof. 

The XXXX XXXX account is only reported on Equifax and not on TransUnion or Experian, creating cross-bureau inconsistencies that indicate inaccurate reporting. The reported 30-day late payment on this account can not be verified, and no supporting ledgers or documentation have been provided by the furnisher. 

Steps Taken : Submitted formal dispute to Equifax on XX/XX/year>. 

Provided FTC Identity Theft Report, police report, government-issued ID, proof of address, prior dispute correspondence, highlighted credit report pages, and supporting statements/receipts. 

Requested permanent deletion of unverifiable items, certified Method of Verification, and corrected consumer disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NJ

Complaint narrative:
I am submitting this fourth follow-up complaint as the verified owner of my credit file to demand immediate CFPB intervention regarding Experian, Equifax, and TransUnions continued reporting of inaccurate, inconsistent, and unverified information in violation of multiple federal laws, including FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ). Experian continues to report XXXXXXXX XXXX XXXXXXXX with XXXX XXXX XXXX XXXX as the original creditor with a {$1000.00} balance, while TransUnion reports this same account under XXXXXXXX XXXX XXXXXXXX but lists the original creditor as XXXX XXXX XXXX XXXX XXXX, demonstrating clear inconsistency and unreliability. TransUnion additionally lists XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX, Balance : {$12000.00} ), yet no contract, signed agreement, or proof of liability has ever been provided despite multiple validation requests, constituting non-compliance with both FDCPA and FCRA reinvestigation requirements. Furthermore, all three bureaus continue reporting unauthorized, unverified, and impermissible inquiries, including Experians inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifaxs inquiries from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) XXXX and TransUnions inquiries by XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX, none of which have been validated or shown to have permissible purpose under FCRA 604. The continued presence of these inconsistent accounts, unverifiable collection balances, and unauthorized inquiriescombined with repeated failure to validate, remove themconfirms that prior reinvestigations were incomplete, inadequate, and in violation of federal consumer protection standards.

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 2025-12-08 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: TX

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a XXXX XXXX XXXX XXXX. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. XXXX XX/XX/year> XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account 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 2025-12-08 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: TX

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I submitted an ADA accommodation requesting electronic communication only, which XXXX ignored. They called outside the requested communication method, violating ADA obligations and FDCPA 1692c. 

In XXXX and XX/XX/year>, I also submitted a full validation request asking for : A signed contract from Synchrony Bank Chain of assignment showing XXXX legally owns the debt Itemized statements Date and amount of the last payment Proof of accurate balance calculation XXXX provided nothing. 

Despite failure to validate, XXXX continued : Reporting to XXXX  and XXXX  Updating the balance Pursuing collection activity Under FDCPA and FCRA, this is illegal.

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 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I paid off my federal student loan with Mohela in XX/XX/year>, resulting in an overpayment of {$160.00}. On XX/XX/year>, I contacted Mohela to inquire about my refund. They responded in writing that the refund was sent to the U.S. Department of Treasury on XX/XX/year>, and that refunds are sent via check and can take XXXX business days or more for processing. 
As of XX/XX/year>, I have not received my refund check. This is nearly 5 months ( approximately XXXX business days ) since Mohela confirmed the refund was submitted to Treasury. 
On XX/XX/year>, I contacted Mohela again to follow up. Their response was a generic template stating that refunds can take XXXX business days and that they can not verify processing times on behalf of the Treasury. They did not acknowledge that I had already exceeded the XXXX business day timeframe or offer any assistance in locating my refund. 
I am requesting my {$160.00} refund be issued immediately. I have attached documentation including Mohela 's XX/XX/year> response confirming the refund submission, their XX/XX/year> response, and my account history showing the refund transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this follow-up regarding multiple inaccuracies on my credit reports from TransUnion, Experian, and Equifax. Despite previously disputing these issues and providing supporting documentation, several accounts, including XXXX and XXXX, continue to be reported with late payments of XXXX days that do not reflect my verified payment history, balances, or account statuses. These continued reporting errors violate the Fair Credit Reporting Act ( 15 U.S.C. 1666, 1666a, 1681i, 623 ( a ) ( 2 ), and 623 ( b ) ), which require consumer reporting agencies to maintain accurate, complete, and verifiable information. The incorrect late payments and outdated account information are negatively impacting my creditworthiness, loan eligibility, and overall financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-08 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:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX  has frozen my account and is refusing to return my balance of {$220.00}. I am not asking for the account to be reinstated, only for the return of my property

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 am submitting this follow-up regarding unresolved collection accounts on my Equifax, TransUnion, and Experian credit reports, specifically the XXXX  XXXXXXXX XXXX XXXX XXXX account with a balance of {$350.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5000.00}, and XXXX XXXX  XXXX XXXX XXXX XXXX  with a balance of {$790.00} originally from XXXX XXXX  and XXXX Despite my prior dispute submissions, these accounts remain inaccurately reported and have not been properly verified. Under FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), Equifax, TransUnion, and Experian are required to conduct a reasonable reinvestigation, verify all disputed information directly with the original furnishers, and ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 submitting this follow-up regarding unresolved collection accounts on my Equifax, TransUnion, and Experian credit reports, specifically the XXXX  XXXXXXXX XXXX XXXX XXXX account with a balance of {$350.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5000.00}, and XXXX XXXX  XXXX XXXX XXXX XXXX  with a balance of {$790.00} originally from XXXX XXXX  and XXXX Despite my prior dispute submissions, these accounts remain inaccurately reported and have not been properly verified. Under FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), Equifax, TransUnion, and Experian are required to conduct a reasonable reinvestigation, verify all disputed information directly with the original furnishers, and ensure maximum possible accuracy.

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 2025-12-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a XXXX XXXX XXXX XXXX. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX Accounts : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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