vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
On XX/XX/XXXX th Ive sent this letter to all 3 credit reporting agencies To Whom It May Concern, This is a formal dispute of the inaccurate and unverifiable information being reported on my credit file regarding : Creditor : XXXX XXXX Account Number : XXXX * * * * Reported by : TransUnion, Experian Disputed Inaccuracies : Date Opened Conflict : TU reports XX/XX/year> ; EXP reports XX/XX/year> and last Active differs This is a clear FCRA 607 ( b ) violation the data is inconsistent. 

False {$0.00} Credit Limit : Misleads utilization metrics. XXXX uses flexible limits this is inaccurately reported and must be corrected or removed. 

Past Due Amount Does Not Match Balance : This raises suspicion of inflated balances and is inconsistent with industry standards. 

Failure to Validate : Under FCRA 609 and FDCPA 809, I demand the full validation of this debt including the original signed contract and full payment history. If you can not provide this within 30 days, you are legally required to remove the item. 

Account Under Dispute : You are reporting an account as disputed ( " consumer disagrees '' ), but failing to resolve it properly as per FCRA 611 ( a ). 

Resolution Required : I demand the immediate deletion of this account from my credit file across all reporting agencies. If this account is not removed within 30 days, I will proceed with complaints to the CFPB, FTC, and may take legal action under FCRA XXXX  for damages due to inaccurate and harmful reporting. 

Please mail confirmation of deletion to my address listed above. 

Sincerely, 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 2025-05-19 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: NJ

Complaint narrative:
On XX/XX/XXXX this letter was sent out to all XXXX reporting agencies Re : Formal Dispute of Inaccurate Information Demand for Immediate Deletion Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to demand an immediate investigation and removal of inaccurate, misleading, and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX  et seq. XXXX XXXX  The account listed above contains several significant reporting errors, including but not limited to : - Reporting as both XXXX XXXX  charged off XXXX XXXX  and XXXX XXXX  in collections XXXX XXXX which is misleading and inaccurate.

- Inconsistent reporting across all three credit bureaus, violating XXXX XXXX  FCRA 1681e ( b ) XXXX XXXX  which mandates maximum accuracy.

- No verifiable evidence of contractual obligation or proof of debt under XXXX XXXX  FCRA 1681i XXXX XXXX  
- Continued reporting of a balance after charge-off, which requires accurate calculation and validation.

These inconsistencies and errors render the reporting of this account non-compliant with federal law. As such, I am invoking my rights under : - XXXX XXXX  FCRA 1681i XXXX XXXX  : Your obligation to conduct a reasonable reinvestigation.

- XXXX XXXX FCRA 1681s-2 ( b XXXX XXXX XXXX  : Furnishers obligation to verify or correct/delete disputed information.

- XXXX XXXX FCRA 1681e ( b ) XXXX XXXX  : Duty to maintain procedures for maximum possible accuracy.

This account is disputed. If the information can not be verified XXXX XXXX with original signed documentation XXXX XXXX  and XXXX XXXX full accounting records XXXX XXXX, it must be XXXX XXXX deleted immediately XXXX XXXX Reporting unverifiable, outdated, or incorrect information is a direct violation of federal law and exposes your organization and the data furnisher to legal liability. XXXX XXXX I demand the permanent deletion of this account XXXX XXXX from my credit report. Failure to do so will result in formal complaints being filed with the XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX and possible legal action under the FCRA for damages caused by continued inaccurate reporting.

Attached are copies of my government-issued ID and proof of address. Please complete your investigation within the required 30 days and confirm removal in writing. 

Sincerely, 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 2025-05-19 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 several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XX/XX/XXXX Equifax XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-19 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
lm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete as soon as possible from my report or i will have to take 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated by me and occurred during a period when my credit file was unfortunately left unlocked due to an oversight. 

Below are the details of the disputed inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize or initiate any credit applications with these institutions on or around the above dates. These inquiries are the result of fraudulent activity and should be removed immediately from my credit report to correct the inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and permanently deleted from my file. I have also taken steps to secure my credit profile and filed reports with the appropriate authorities regarding this unauthorized activity. 

Please confirm in writing that you have received this dispute and provide a timeline for your investigation. If you need any additional information from me to complete this request, do not hesitate to reach out. 

Thank you for your prompt attention to this matter.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting inaccurate and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 602 ( a ), 605, and 611. 

The account in question was charged off and closed as of XX/XX/XXXX, yet XXXX continues to report late payments in the months following the charge-off, including as recent as XXXX. This is factually and procedurally incorrect, as an account that is closed and charged off can not legally or logically continue to accrue missed payments. 

I have attempted to resolve this matter through Equifax and Experian via formal disputes, requesting deletion of the account based on the inaccurate reporting. Despite this, the tradeline remains with derogatory activity inaccurately listed post-charge-off. 

This incorrect reporting inflates the derogatory impact of the account and violates the requirement for maximum possible accuracy under the FCRA.

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 2025-05-19 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: CT

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: VT

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliphant United, Inc.
State: CA

Complaint narrative:
I am disputing a fraudulent or inaccurate debt reported by Oliphant USA Inc on my credit report. The account is listed as opened on XX/XX/year>, for {$180.00}. I have no knowledge of this account, and I have never had any business with Oliphant USA Inc.

I submitted written disputes to both Oliphant USA Inc and the credit bureaus XXXX XXXX XXXX XXXX XXXX  ) requesting validation of the debt and removal of the inaccurate item.

To date, I have not received any verifiable documentation linking me to this debt. The company has failed to properly investigate or remove this entry, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically

15 U.S.C. 1681s-2 and 1681i. This error is damaging my credit and affecting my ability to secure financial produc
ts. I am requesting that the CFPB compel Oliphant USA Inc to remove the inaccurate account from all credit bureaus immediately and confirm in writing that the account has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
On XX/XX/XXXX I've sent this letter to all XXXX Credit Reporting Agencies To Whom It May Concern, I am formally disputing the inaccurate and unverifiable information listed on my credit report regarding the following account : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by : TransUnion, Experian, Equifax Violations and Inaccuracies : Inconsistent Reporting Dates : Date Last Active varies by bureau, ranging from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, violating FCRA 607 ( b ).

Misreported Credit Limit : Experian shows a {$0.00} credit limit, while others show {$1200.00}. This can artificially damage my credit utilization ratio and is materially inaccurate.

Balance Reporting and Charge-off Timing Conflict : Charge-off status does not align with payment activity ( last payment made XXXX  ). This contradicts proper charge-off protocol per FCRA and FDCPA. 

Failure to Provide Validation : Under FCRA 609 and FDCPA 809, you are required to show documented proof of the original signed agreement and the chain of custody of this debt. No such documentation has been provided. 

Consumer Dispute Already Active : As noted in Equifaxs comments, a reinvestigation is pending. Continued reporting of unverifiable data during dispute is prohibited under FCRA 611.

Resolution Demanded : I demand that you : Immediately remove this account from all three credit bureaus. 

Cease reporting this unverifiable and inconsistent data. 

Provide full validation documents, including original contracts and payment history, within 30 days. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), as well as legal action for damages under FCRA 616 and 617. 

Please provide written confirmation that this item has been removed. 

Sincerely, 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Follow-Up Response to CFPB Complaint Against Nelnet RE XXXX CFPB Complaint ID # XXXX Thank you for the opportunity to respond further regarding my original complaint against Nelnet. I am writing to inform you that Nelnets response failed to address the central issues of my complaint, which involve false credit reporting, unlawful servicing practices, and due process violations not general data privacy.

Nelnets response is factually and legally insufficient for the following reasons : 1. The Response Does Not Address the IDR Plan Mismanagement Nelnet ignored my documentation and long-standing enrollment in a valid federal IDR plan with a $ 0 monthly payment, originally serviced by Great Lakes and extended through XXXX. I was never notified of any plan lapse, nor was I given an opportunity to recertify. Despite this, they reported me as XXXX days delinquent, which is patently false. 

XXXX. The Response Ignores the False Credit Reporting and FCRA Violation Rather than address the retroactive and inaccurate delinquency reporting, Nelnet deflected with boilerplate language about their obligation to furnish data to credit bureaus. However, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), data furnishers must report accurate and complete information and Nelnet failed to do so by reporting delinquencies that never occurred.

3. No Explanation or Correction Offered Despite my specific allegations and evidence, they have not : Corrected the derogatory and false late payment entries on my credit report, Provided any audit trail or documentation explaining why or how my IDR status was altered, Taken accountability for the financial harm caused. 

XXXX. Possible CARES Act Violation Still Unanswered If the false delinquency entries occurred during the XXXX loan pause under the CARES Act, then Nelnet also violated federal law prohibiting negative credit reporting during that time. This part of my complaint was completely ignored. 


Thank you for your time and continued assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief