vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I spoke with XXXX XXXX XXXX and they are refusing to report my account/credit line to any other the credit bureaus. Ive never been late always paid my car note on time so they cant report any inaccuracies ; the only thing they would be able to report is on-time.

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 2025-09-11 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the XXXX XXXX, XXXX account being reported on my credit file. 

Despite multiple written requests for validation from Exquifax, they have failed to provide competent evidence proving the accuracy, completeness, and validity of this alleged debt. Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed item. Continuing to report unverifiable information constitutes a violation of federal law.

Further, under FCRA 1681c-2 ( a ), if a consumer disputes the accuracy of information and the furnisher can not verify it, the credit reporting agency must promptly delete the item from the consumers file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX IL XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$170.00} This account is reporting late, but I was never late to that account. I demand the removal of this late payment from my credit report. I tried fixing this issue before with the bureaus, but they did not respond to me, and I am not satisfied with their results. As per the law given below : FCRA Accuracy Requirement Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. Reporting a late payment that can not be verified violates this requirement.

Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the bureau must conduct a reasonable reinvestigation. If the furnisher can not provide proper documentation, the disputed late payment must be deleted.

Under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct a proper investigation and delete or correct any information found to be inaccurate or unverifiable.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item of information is found to be inaccurate or unverifiable, it must be promptly deleted from the credit report.

This unverifiable late payment should be removed. If not, I'll be seeking monetary relief against the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX IL XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$170.00} This account is reporting late, but I was never late to that account. I demand the removal of this late payment from my credit report. I tried fixing this issue before with the bureaus, but they did not respond to me, and I am not satisfied with their results. As per the law given below : FCRA Accuracy Requirement Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. Reporting a late payment that can not be verified violates this requirement.

Under 15 U.S.C. 1681i ( a ), when a consumer disputes information, the bureau must conduct a reasonable reinvestigation. If the furnisher can not provide proper documentation, the disputed late payment must be deleted.

Under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct a proper investigation and delete or correct any information found to be inaccurate or unverifiable.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item of information is found to be inaccurate or unverifiable, it must be promptly deleted from the credit report.

This unverifiable late payment should be removed. If not, I'll be seeking monetary relief against the bureaus.

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 2025-09-11 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 explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am writing to dispute multiple hard inquiries that appear on my credit report and request their removal. I have identified 49 inquiries that I did not authorize, did not initiate, or that are being reported inaccurately. These inquiries appear across my reports with various creditors. Per 15 U.S.C. 1681b : Consumer reporting agencies may only report inquiries that are authorized or legally permitted.

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 2025-09-11 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : ( ACCOUNT and ACCT number ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect PersonaXXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER : XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Nelnet, Inc.
State: CA

Complaint narrative:
For the past 45 years, I have been disputing multiple inaccurate accounts and unauthorized inquiries with XXXX XXXX and XXXX due to identity theft and reporting errors. Despite numerous disputes, these accounts remain, reappear, or are only partially corrected, which is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) : Inaccurate charge-off, sold/assigned to collections, derogatory history remains despite prior disputes. 

XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) : Furnisher admitted late payment errors but only removed one late mark. The account remains inaccurate. 

Dept of Education : Re-updated with derogatory information despite deferment. Should be deleted if unverifiable. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Charged-off account with last activity in XXXX. Continued reporting is obsolete and misleading. 

XXXX  Only Unauthorized Inquiries : XXXX XXXX XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). These inquiries were never authorized and violate FCRA 1681b ( c ) ( 1 ).

Violations : FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable or inaccurate information within 30 days.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers knowingly reporting inaccurate information.

FCRA 1681s-2 ( b ) ( 1 ) ( D ) : Furnishers failing to fully correct after reinvestigation.

FCRA 1681c ( a ) ( 4 ) : Reporting obsolete negative information ( XXXX XXXX ). 

These repeated violations have harmed my creditworthiness and quality of life for several years. My mortgage, auto loan, and credit access opportunities have been negatively impacted. This constitutes willful noncompliance under FCRA 1681n and 1681o, entitling me to damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Hiday & Ricke, P.A.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX formerly known as XXXX XXXX ). I am a XXXX XXXX  living on XXXX XXXX income. I am a victim of identity theft and fraud. 

In XXXX, a car salesman fraudulently used my personal information without my consent to add me as a XXXX of XXXX XXXX XXXX XXXX and to purchase multiple vehicles in my name. I never signed any contracts, never agreed to be part of this company, and never received any money or benefit from these vehicles. 

On XX/XX/XXXX, one of the companys vehicles was involved in an accident. The cars were insured by XXXX XXXX XXXX XXXX, not me. I had no ownership, control, or involvement with the vehicles. Despite this, XXXX XXXX XXXX XXXX and its attorneys, Hiday & Ricke, P.A., sued me personally and obtained a judgment of {$21000.00} on XX/XX/XXXX. Under pressure of losing my drivers license, I agreed to a settlement for {$12000.00} and already paid {$2000.00}, even though I am not legally responsible for this debt. 

I have documentary evidence proving fraud, including : XXXX  XXXX XXXX  records showing my name added to XXXX XXXX XXXX XXXX without consent. 
Insurance card listing XXXX XXXX XXXX XXXX as the insured, not me. 
Letter from XXXX XXXX XXXX confirming company insurance was active on the accident date. 
Court order of my legal name change from XXXX XXXX to XXXX XXXX XXXX ( XX/XX/XXXX ). 

This is an illegal attempt to collect a debt not owed by me. The responsibility rests with XXXX XXXX XXXX XXXX and its real owners, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phillips & Cohen Associates, Ltd.
State: NJ

Complaint narrative:
XXXX XXXX XXXX calls every day nonstop. 3 to 4 times a day. They will not tell me what kind of debt is owed, I owe no one anything, I have a very common name and frequently get calls. I usually ask them to send me proof of debt or ask them to stop calling and, for the most part they do. With this company they do not stop. I have asked for proof of debt they never mailed me anything. I asked them what the debt is about. They told me they cant discuss it over the phone. They just want money.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX  # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX -Balance {$8400.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX XXXXBalance {$6700.00} -Date Opened XX/XX/XXXX Account Name : XXXX # XXXX -Balance {$320.00} -Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX -Balance {$5000.00} -Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX -Balance {$510.00} -Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX -Balance {$5100.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am seeing multiple inaccurate accounts still appearing on my credit reports, and none of them have been removed. I urgently request that all the documents Ive attached be examined carefully so that I never have to face this XXXX  again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX did not provide debt validation, but says the account has been verified. 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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB Complaint Draft Complaint Against : BMO Harris Bank Type : Credit card and line of credit accounts I am filing a complaint against BMO Harris Bank for repeated violations of my consumer rights, improper handling of credit accounts, and discriminatory practices.

Summary of Issues Unresolved Disputes I filed multiple disputes with BMO regarding fraudulent or inaccurate charges on my credit card accounts. The specific dispute IDs are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, totaling about {$5000.00}. Despite following proper procedure, BMO has failed to resolve these disputes or apply required credits, violating the Fair Credit Reporting Act ( FCRA ). 

Revoked Credit Line BMO approved me for a {$22000.00} credit line and sent documentation confirming the approval. Without cause or notice, the credit line was removed. This has caused financial harm, disrupted business operations, and negatively affected my credit standing.

Credit Card Handling BMO mishandled my credit card accounts, including failure to credit payments properly, unauthorized reversals, and wrongful reporting to credit bureaus. 

ADA Violation & Discriminatory Practices Between XX/XX/year> and XX/XX/year>, in a BMOarranged mediation, I was physically restrained and deprived of my identification, preventing me from accessing dispute mechanisms. This violated ADA Title III. In addition, when completing a BMO prequalified offer, I was automatically denied because I do not own or rent a home. This discriminates against consumers experiencing homelessness or disabilityrelated housing instability.

Resolution Requested Immediate correction of all disputes and credit of {$5000.00}.

Reinstatement of my {$22000.00} approved credit line.

Removal or correction of all inaccurate credit reporting.

Review of discriminatory credit practices and ADA compliance.

BMOs actions have caused financial loss, serious credit damage, and emotional distress. I request urgent CFPB intervention.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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