vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
subject : Formal Dispute Regarding inaccurate Information on My CreditReport I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I've disputed this account through the credit reporting agencies several times and it is still showing on my report after all this time. Now I am requesting that this item be removed from my credit report immediately because this is also a violation of my privacy rights and unconsented sharing of my personal information. I'm also pursuing financial compensation of {$5000.00} because of the many FCRA violations and the years I have been attempting to get this item removed from my account.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 

The following two XXXX XXXX accounts on my credit report are the result of identity theft and should be blocked immediately : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Date Opened : XXXX  Balance : {$1600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXXXXXX Date Opened : XXXX Balance : {$890.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Jefferson Capital Systems XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you provide validation of this debt. Specifically, I require the following documentation and information to verify the validity of this claim : 1. A detailed payment history : Please provide a comprehensive record of all payments made by me on this account, including dates, amounts, and methods of payment. 
2. Original signed agreement : I request a copy of the signed agreement or contract that I allegedly entered into, which legally obligates me to pay this debt. 
3. Insurance claims : Please disclose whether any insurance claims have been filed related to this alleged debt and, if so, provide the details.

4. Chain of title : Supply all documentation proving that Jefferson Capital Systems has the legal authority to collect on this debt. This should include evidence of the chain of title, showing how and when the debt was transferred or sold to your company. 
Until these documents are provided, and the debt is validated in accordance with federal law, I ask that all collection activities, including reporting to any credit bureau, cease immediately. 
Please note that failure to comply with this request constitutes a violation of the FDCPA. Should I not receive the requested validation within 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General 's office, or other applicable authorities. 
I expect your prompt attention to this matter. Please confirm receipt of this request and provide the required documents at the earliest opportunity. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: Nelnet, Inc.
State: OR

Complaint narrative:
On XXXX XXXX XXXX, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As of XX/XX/XXXX, the account with XXXX XXXX XXXX XXXX ( Account Number : XXXX ) is listed as disputed on my TransUnion Credit Report under the Fair Credit Reporting Act, Section 1681e ( b ). The account shows an original balance of {$690.00}, with no outstanding balance. The account was marked as open since XX/XX/XXXX, and its status was updated in XX/XX/XXXX. I believe the information reported is inaccurate and is negatively affecting my credit score.

Actions taken by me : I disputed the accuracy of the reported information with TransUnion, requesting a review under 15 U.S.C. 1681e ( b ).

I requested that TransUnion verify the account details and correct any errors in the report.

Actions taken by the company : TransUnion acknowledged my dispute but failed to correct the error, and as of now, the dispute remains unresolved, continuing to negatively impact my credit report and score.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. I am requesting a review and correction of the reported information to comply with this requirement and ensure my TransUnion Credit Report reflects accurate details.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company 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 2025-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute an inaccurate Capital One account appearing on my credit report. The account details are as follows : Creditor Name : Capital One Account Number : XXXX Highest Balance Reported : {$330.00} Credit Limit : {$250.00} I have no knowledge of this account, and the reported balance and credit limit are incorrect. This inaccurate information is negatively impacting my credit profile. I have attempted to dispute this with the credit bureaus but have not received a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer FICO credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account allegedly opened at XXXX XXXX XXXX on XX/XX/XXXX. This account appears on my consumer FICO credit report as closed and charged off, with a reported charge-off balance of {$7200.00} and payment status listed as charge-off. I did not open, authorize, or initiate this account, and it is the result of identity theft and fraudulent use of my personal information. This fraudulent account has also resulted in unauthorized hard inquiries appearing on my consumer FICO credit report that I did not initiate or authorize. These inquiries include XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I did not apply for credit with these entities, and these inquiries are a direct result of fraudulent activity. I have attached a copy of my consumer FICO credit report dated XX/XX/XXXX, which shows the aforementioned fraudulent account and hard inquiries, along with a copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX ) as proof that these items are the result of identity theft and fraud. I request that the TransUnion credit reporting agency block and permanently remove the XXXX XXXX XXXX account and the listed unauthorized inquiries from my consumer FICO credit report within four business days, in accordance with FCRA 605B.

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 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

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 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I had over XXXX dollars to pay my apartments since I had jut 2 days before they send me to eviction and I woke up one day check my account it says 0 I called the bank they didnt know what happened they kept transferring me over and over to different departments none of them can tell me what happened to my money, after XXXX minutes to XXXX XXXX customer service agent said they closed my account because I didnt submit a document not to mention she doesnt know what documents herself

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 monetary relief
Consumer complaint received 2025-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: WI

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ), negligence, and failure to correct inaccurate background check records that have caused me irreparable financial and professional harm over the past five years. Checkrs inaccurate and negligent reporting practices have cost me multiple employment opportunities, leading to financial distress, loss of housing, and significant emotional distress. 

XXXX XXXX XXXX has repeatedly associated my profile with that of another individual, resulting in false and misleading information appearing in background checks conducted by prospective employers, including XXXX XXXX and XXXX. 

Due to Checkrs errors, I lost multiple contracts and employment opportunities with companies using XXXX XXXX and XXXX, leading to a total loss of income. As a result : My housing situation deteriorated, leading to homelessness. 

My utilities were disconnected due to non-payment. 

My credit has been severely impacted due to the financial hardship caused by these job losses. 

I was forced to relocate from Arizona to Wisconsin as I could no longer afford to live in my previous state. 

I have made multiple attempts to dispute the inaccuracies in my background reports, sending certified mail notifications and formal disputes to XXXX. However, despite my efforts, XXXX has failed to correct the errors or provide any resolution. 


Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Failure to maintain accurate consumer reports, failure to investigate and correct disputed information. 

Negligence and XXXX XXXX XXXX continuing to provide incorrect information despite multiple dispute notices, XXXX has engaged in unfair and deceptive practices. 


Due to the severe impact XXXX negligence has had on my life, I am demanding the following actions : XXXX must correct all inaccuracies in my background check records and confirm in writing that the issue has been resolved. 

I seek damages in the amount of {$500000.00} for lost wages, emotional distress, financial hardship, relocation costs, and damage to my credit and reputation. 

I request that the CFPB investigate XXXX systematic failures and impose appropriate penalties for their ongoing violations of consumer rights. 

Attached Documents for Reference : Copies of incorrect background reports issued by Checkr , Inc. 

Certified mail receipts and prior dispute correspondence. 

I urge the CFPB to take immediate action against XXXX XXXX XXXX to prevent further consumer harm. Please provide written confirmation of the steps being taken to investigate this matter.

Company response to consumer: Closed with explanation