vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
After reviewing my credit report from Experian, I found that several accounts and hard inquiries are being reported inaccurately and remain unverified despite multiple prior disputes. These accounts include 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. The furnishers have failed to provide any documentation validating the ownership, balance accuracy, or liability for these accounts. 

Many of these tradelines contain conflicting, duplicate, and misleading information, which violates FCRA 607 ( b ) ( accuracy requirement ) and FCRA 611 ( a ) ( failure to properly reinvestigate disputes ). For example, XXXX XXXX is reporting four separate small charge-offs under different account numbers with inconsistent balances and charge-off dates, which inflate the appearance of negative information. XXXX XXXX XXXX  continues to report an account as charged off even though it was sold to another lender, creating duplicate reporting. XXXX XXXX XXXX lists a repossession with an active past due balance, even though no deficiency balance documentation or sale records have been provided. 

Additionally, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX  are all reporting collection accounts without providing validation or proof of debt ownership, violating FDCPA 809 ( b ). These collectors have not produced any signed agreements, billing statements, or chain-of-title documentation to establish that they have the legal right to collect or report these debts. Despite my written disputes, Experian has verified these items without presenting any evidence of actual investigation.

Furthermore, several unauthorized hard inquiries have appeared on my report, including from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I did not authorize these companies to access my credit file, nor have they provided any signed credit application or documentation of permissible purpose, which violates FCRA 604 ( a ) ( 2 ).

This ongoing reporting of unverifiable and inaccurate data, along with Experians repeated failure to properly reinvestigate, has caused significant harm to my credit and constitutes willful noncompliance under federal law.

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 2025-11-10 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: PA

Complaint narrative:
Report XXXX XXXX There's 3 accounts with same account number for XXXX XXXX XXXX 
Experian deleted the wrong account that was being disputed. This was an account with good reporting and I want it re-added. 
This was a good account XXXX XXXX XXXX XXXX  Account XXXX {$10000.00}. Never late. Paid. Experian deleted The correct XXXX that should have been deleted is a credit card. {$5000.00}.

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 2025-11-10 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 requesting that Experian conduct a proper investigation into the accounts and inquiries listed below, as I believe they contain inaccurate, incomplete, or unverified information. Please update, correct, or remove the items that can not be fully verified according to the FCRA. 

CHARGED OFF / NEGATIVE ACCOUNTS IN DISPUTE EX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, {$5600.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$8700.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$5300.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$280.00} XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$550.00} INQUIRIES IN DISPUTE XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/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 2025-11-10 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: NC

Complaint narrative:
this is my second time writing this issue. I sent your company a claim last month, and I was very clear about which accounts were fake. There are still accounts on my credit report that shouldn't be there. Your company 's carelessness is making me stressed out and hurting my mental health. I have already told you about the fake accounts and added my ID and social security number, which I will do again.

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 2025-11-10 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-10 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: TX

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal 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 explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 disputing the following information being reported on my Equifax credit report. I request a full reinvestigation. If the information can not be fully verified, I request that it be corrected or removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED-OFF ACCOUNTS ( EQ ) XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$1400.00} XXXX XXXXXXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$5800.00} XXXXXXXX XXXX XXXXXXXX Acct XXXX XXXX | Opened : XX/XX/XXXX | Balance : {$5300.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$730.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$18000.00} XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$3600.00} LATE PAYMENTS ( EQ ) The following late payments appear inaccurate or unverified. I request removal or validation : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns.

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for XXXX XXXX to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
My mom wanted to ask a question of the loan servicer aidvantage. We called and had to get their direct phone number then we called their direct number and the person named XXXX XXXX answer the phone. my mom wanted to ask her question or whatever and so I knew that they were not gon na have her information in the system. He was asking for the information for the account yada yada and I gave him my information and I informed him that my mom wanted to ask a question about the options for repayment which I was unable to actually speak about what I had been told previously which basically resulted in us seeing on the website, as well as being told by the person that the only payments that would be accepted for the loan as repayment would be from from an account that was in the name of the person who had originally taken out these loans that they would not accept just random payments from even family members. And then this individual listen to my mom ask her question and when she was done and she asked her very specific question this person took it upon themselves to offer to give out my account information to my mother as well as basically told my mom that she should get my mail and should open it herself and take the letter that was addressed to me for herself. I honestly couldnt believe that he would even offer to do that and then he literally gave her the entire account number right in front of me when I said I did not give consent to share that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: MD

Complaint narrative:
I contacted the company on XX/XX/XXXX to request loan documents to review the interest rate, terms, and fees i also requested to speak to upper management about revising the interest rate and monthly payment amount because it seemed really high I recieved no email or response. I contacted again on XX/XX/XXXX asking the same thing i was told they would contact me and send the documents by email again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is a new and separate complaint from my existing CFPB case # XXXX. 

On XX/XX/year>, I submitted a formal direct consumer dispute and good-faith settlement proposal through Midland Credit Managements secure online portal. I received on-screen confirmation that my submission to their Compliance/Chief Compliance Officer was received ( screenshot attached ). 

In that notice, I disputed the accuracy and continued reporting of certain Midland trade lines, requested verification/validation of the remaining accounts, and offered to resolve them in good faith. As of XX/XX/year> ( over 28 days later ), Midland has not provided any acknowledgment, verification, or substantive response to my direct dispute. The confirmation message on Midlands official website was generic and did not provide a dispute reference number, acknowledgment email, or any traceable confirmation details, which raises concerns that Midlands online dispute portal fails to maintain proper procedures for receiving and tracking direct consumer disputes as required under 12 CFR 1022.43 ( a ) ( 3 ).

This complaint is not a duplicate of my prior CFPB case. 
The prior case concerns Midlands inaccurate reporting and continued reporting of an account that was dismissed by court order. 
This complaint concerns Midlands failure to properly respond to a direct dispute submitted through its own portal. 

I spoke with a CFPB representative on XX/XX/year>, who explained that once a complaint is sent to the company, consumers can not upload new documents into that existing file. I am therefore filing this new complaint so that my XX/XX/year> direct dispute and Midlands non-response are formally reviewed. 

The Midland accounts at issue are also beyond the applicable Texas statute of limitations for filing a lawsuit. My dispute and settlement proposal were submitted in good faith. Midlands failure to respondcombined with the selective correction/deletion of only one related trade lineraises concerns about whether its reporting and investigation practices comply with FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 8 ), 623 ( b ), and 12 C.F.R. 1022.43 ( duty to conduct a reasonable investigation of direct disputes ). 

Attachments : Screenshot of my XX/XX/year> portal submission confirmation XXXX XXXX XXXX ( Formal Notice & Settlement Proposal submitted to XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I discovered multiple accounts and inquiries being reported inaccurately and without validation. I have disputed these items several times since early XXXX, but they continue to appear on my credit file, verified without proof or documentation. The accounts in question include XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Each furnisher has failed to provide validation or proof of ownership, account history, or signed agreements confirming my responsibility for these debts. Some accounts are reported as both charged off and past due at the same time, which is contradictory and misleading. Others have been sold or transferred to debt buyers but are still being reported by the original creditors, resulting in duplicate and inaccurate data. 

For example, XXXX continues to report a charged-off account with monthly updates and a balance that exceeds the verified charge-off amount, which violates FCRA 607 ( b ) ( accuracy requirement ). XXXX XXXX XXXX XXXX has been reporting a charged-off account since XXXX but continues to mark it as past due every month, which is a false and re-aged status. XXXX XXXX XXXX reports a charged-off account that was sold to another lender but never provided documentation confirming the transfer or final balance. XXXX XXXX XXXX, the debt buyer, is reporting a collection account allegedly purchased from XXXXXXXX XXXX  but has failed to validate the debt, provide ownership documents, or produce any chain-of-title paperwork proving legal assignment. 

Additionally, there are multiple unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized these companies to access my credit file, and none of them have provided signed credit applications or proof of permissible purpose under FCRA 604 ( a ) ( 2 ). Despite my repeated written disputes, all three credit bureaus have verified these items without conducting proper reinvestigations as required by FCRA 611 ( a ). Their continued reporting of unverifiable and inaccurate data has harmed my credit rating and violated my rights under federal law.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MA

Complaint narrative:
My original complaint against Mohela, complaint id : XXXX filed XX/XX/year> Billing was incorrectly coming to me...

End result is that I received a check from the federal Government for {$31000.00} And Mohela reported me as delinquent on an account that is not mine.

Your office reported to me that the company, Mohela, responded and the file is closed.

But I still have an outstanding complaint on my credit report, which I would like expunged.

thank you in advance for your assistance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: MN

Complaint narrative:
Our XXXX has had a XXXX XXXX XXXX with USBank for 10+ years. I received a letter in our XXXX XXXX XXXX dated XX/XX/XXXX, on XXXX. They are discontinuing our product ( XXXX XXXX XXXX ) on XX/XX/XXXX. This does not allow enough time for us apply for a new credit card and migrate all of our auto-pays to the new credit card. This is creating significant hardship for our 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 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: NE

Complaint narrative:
I filed XXXX  XXXX bankruptcy XXXX  years ago, my finance company Ally, agreed to the amount to payoff the car which was about XXXX, flash forward XXXX  years later I get into a car accident the car was totaled and because the payoff amount was more than what Ally agreed to all those years ago they are holding up the process for the insurance company to send the check to the trustee. 

Note the difference is only about XXXX or less and its been almost 30 days with no resolution. 

My insurance company has sent the document of loss at least XXXX to Ally they deny it every time. Because they want more money. 

XXXX I tried contacting Ally active bankruptcy dept who was rude and just kept saying to having insurance company contact them giving a generic XXXX number to call with an hr long wait time. Unacceptable I have tried working with XXXX escalations team with no contact other than to say it can be XXXX  days or more to research again Unacceptable. 

This was a legal binding document signed in Bankruptcy Court in Nebraska how is this legal to hold up funds. There is no winfall here i ask that they agree to what was already determined in courts those XXXX years ago.

Company response to consumer: Closed with explanation