vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: TX

Complaint narrative:
Several accounts are being reported that I have no knowledge of and do not believe belong to me. These include accounts listed under XXXX XXXX XXXX  XXXX for {$460.00} and {$460.00}, XXXX XXXX for {$1100.00}, XXXX XXXX for {$700.00} XXXX XXXX XXXX  for {$1100.00} XXXX and Discover Card for {$1900.00}. I did not open these accounts and have never received verification proving they are mine. These companies are reporting debts that are not my accounts and I have no knowledge of them. 

This violates the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), which requires a collector to stop collecting until proper validation is provided, and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting information they know or should know is inaccurate.

I am requesting that the CFPB investigate and require the companies to provide complete validation of these alleged accounts or remove the inaccurate information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, and these inquiries remain. This failure to act is unacceptable. Their continued presence is highly alarming, strongly suggesting possible identity theft, and is causing ongoing emotional and financial 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 2025-11-18 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} AXXXX XXXX XX/XX/XXXXXXXX XXXX {$450.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX {$540.00} Hard 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 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 2025-11-18 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: WI

Complaint narrative:
I am disputing inaccurate and unverifiable information on my Experian credit report. Despite several attempts to resolve these issues directly with Experian, they have failed to properly validate or investigate the disputed items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 611.

I am requesting that the CFPB 's assistance in ensuring that Experian removes any unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$600.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$380.00} These accounts are being reported inaccurately, and Experian has failed to provide sufficient validation or documentation. 

Inquiries ( XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This inquiry is inaccurately reported. I request its removal unless properly validated. 

Late Payments 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 explanation
Consumer complaint received 2025-11-18 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: NY

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 explanation
Consumer complaint received 2025-11-18 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I sent in Verified information to all credit bureaus containing credit alerts that I've been receiving over the last 10 years and I have been attempting to clean my credit. I have sent Equifax the same information and asked for the Sales contracts of specific items on my credit reports, I've requested names and phone numbers of the companies or persons who verified this information in what they asked for which was 30 days. I've been given the run around and no proof requested that I owned the debt and I have not received any of that information. I wish to opt out of any company that can access my credit report without my written or verbal consent per the law. I have not been sent any assignment contracts and have concerns about a Company named XXXX XXXX XXXXaccount numberXXXX, high balance of XXXX dollars, open date XXXX date of XXXX on my Equifax report but has not been removed. I opt out of any company pulling a soft or an hard Inquiry from my report without my written or authorized signature or verbal agreement. XXXX XXXX XXXX has another account/XXXX, high balance of XXXX dollars, open date XXXXclosed date of XXXX, I've been given nothing for verifying this debt. Please remove immediately. There are laws against this and they say that I can legally pursue for damages. I have not been sent any information or assigned contracts, no names, no company representation phone numbers for a Company named XXXX XXXX, unknown account number, account opened XXXX high balance of XXXX dollars. I haven't been sent any verifying information for this debt, Please remove immediately. Another company named XXXX high balance of XXXX dollars/ open date XXXX. I haven't received any verified assignment contracts, names, company numbers or anything, Please remove immediately. I would like all verifying information be sent to me on paper and not in an email. I would like an updated Equifax credit report once items are removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: CORELOGIC INC
State: GA

Complaint narrative:
I am writing to request the immediate removal of several fraudulent inquiries that appear on my credit report. I did not authorize these inquiries, and I believe they are the result of identity theft. 

The following inquiries are inaccurate and fraudulent : Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/year> Creditor Name : XXXX  Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/year> Attached are copies of documents that support my claim. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these unauthorized inquiries be removed from my credit report immediately.

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 2025-11-18 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: Credit Technologies, Inc.
State: GA

Complaint narrative:
I am writing to request the immediate removal of several fraudulent inquiries that appear on my credit report. I did not authorize these inquiries, and I believe they are the result of identity theft. 

The following inquiries are inaccurate and fraudulent : Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/year> Creditor Name : XXXX Inquiry Date : XX/XX/year> Creditor Name : Credit Technologies Inc Inquiry Date : XX/XX/year> Attached are copies of documents that support my claim. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these unauthorized inquiries be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I dispute the accuracy of this account under the Fair Credit Reporting Act. Under FCRA Section 607 ( b ), the bureau must follow procedures to assure maximum accuracy. Under FCRA Section 611, you must investigate my dispute and delete any information the furnisher can not verify. Another 2 major bureau already removed this account based on lack of verification. ( TransUnion ) TransUnion REMOVED COLLECTIONS XXXX. Between XX/XX/year> and XX/XX/year>, your account with XXXX XXXX was removed from your credit report. 
XXXX. Between XX/XX/year> and XXXX XXXX, 2025, your XXXX XXXX XXXX XXXX collections account was removed from your credit report. 
XXXX XXXX XXXX XXXX REMOVED COLLECTIONS XXXX. Between XX/XX/year> and XX/XX/year>, your account with XXXX XXXX was removed from your credit report. 
This indicates the furnisher is reporting inaccurate information, which violates FCRA Section 623.

I request IMMEDIATE REMOVAL of XXXX XXXX XXXX XXXX account from my file. 

XXXX XXXX XXXX, XXXX Balance {$930.00} AS OF XX/XX/year>

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 2025-11-18 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: IL

Complaint narrative:
This letter serves as my formal dispute regarding the reporting of one or more collection accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The reported collection accounts are inaccurate, incomplete, and unverifiable. No original signed contract, itemized statement, or verifiable proof of ownership has been provided to substantiate this alleged debt or its continued reporting. Reporting unverifiable information violates FCRA 1681i ( Reinvestigation of disputed information ) and 1681e ( b ) ( Accuracy of 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 non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA
State: CA

Complaint narrative:
During the period of XXXX through XX/XX/year>, my federal student loans serviced by MOHELA became XXXX, XXXX, and then XXXX  days delinquent. During this time, I was unemployed and experiencing significant financial hardship. I was struggling to manage basic bills and did not fully understand the process for requesting deferment or hardship-based forbearance. 

I received automated emails from MOHELA, but I was not clearly guided through how to request an unemployment deferment, economic hardship forbearance, or any relief options that would have prevented the delinquency reporting. I contacted MOHELA later on, and on [ insert yesterdays date ], MOHELA placed my loans into Administrative Forbearance due to my hardship. 

This forbearance confirms that I qualified for hardship relief during the period the late payments were reported. Because of this, I believe the late payment reporting is inaccurate under hardship/forbearance correction guidelines.

I contacted MOHELAs customer service and their credit reporting department on multiple calls. Each time, I was told that nothing can be done even though the delinquency occurred during verified hardship and I was later approved for XXXX XXXX. 

I am requesting that my account be re-aged to current and that the late payment reporting be corrected so that my credit history accurately reflects my hardship eligibility and forbearance status.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXXXXXX 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