vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am filing this complaint to demand a comprehensive reinvestigation into several charge-off and collection accounts inaccurately reported on my Experian credit report. These accounts include XXXXXXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX for {$600.00} ), XXXXXXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXX for {$1100.00} ), XXXXXXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX with a {$0.00} balance ), XXXX  ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXX for {$1800.00} ), XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX for {$760.00} ), XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX XXXX a {$0.00} balance ), XXXX XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX charge-off dated XX/XX/XXXX for {$800.00} ), and XXXX XXXX XXXX ( account XXXXXXXX XXXX XXXX XXXX XXXX, charge-off dated XX/XX/XXXX for {$2200.00} ). Several accounts report XXXX balances but remain classified as charge-offs, which is misleading. Additionally, there are apparent duplicate entries and inconsistencies caused by multiple collectors reporting the same debts without clear verification. I believe these reporting inaccuracies are linked to a potential data breach involving my personal information, as these errors have persisted despite prior disputes. Experian has failed to provide original and valid documentation required under 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2, which is a violation of 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 2025-05-20 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 : Dispute Inaccurate Personal Information on Credit Reports Complaint Details : I am writing to formally dispute multiple instances of incorrect personal information being reported by the three major credit bureaus ( Equifax, Experian, and TransUnion ). Despite my previous disputes, this inaccurate information remains on my credit file, which is harming my creditworthiness and causing confusion. 

Incorrect Personal Information : Incorrect Name Variation Reported Incorrectly : " XXXX, XXXX '' Correct Name : [ Your full legal name ] Incorrect Previous Addresses Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX, CA Correct Address : [ Your current and correct address ] Incorrect Employment Information Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX Correct Employer ( if applicable ) : [ Your actual employer or " None '' ] Requested Resolution : I request that the CFPB investigate this matter and direct Equifax, Experian, and TransUnion to : Immediately remove all inaccurate personal information from my credit file. 

Provide me with updated credit reports reflecting these corrections. 

Ensure no future misreporting of this incorrect data. 

I have previously disputed this information with the credit bureaus, but it has not been corrected. Under the Fair Credit Reporting Act ( FCRA ), these inaccuracies must be removed promptly. 

Supporting Documentation ( if available ) : Copies of prior dispute letters ( if applicable ) Proof of identity ( e.g., drivers license, utility bill ) Any correspondence from the credit bureaus I appreciate your prompt attention to this matter and expect a resolution as soon as possible. 

Sincerely,

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 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute Inaccurate Personal Information on Credit Reports Complaint Details : I am writing to formally dispute multiple instances of incorrect personal information being reported by the three major credit bureaus ( Equifax, Experian, and TransUnion ). Despite my previous disputes, this inaccurate information remains on my credit file, which is harming my creditworthiness and causing confusion. 

Incorrect Personal Information : Incorrect Name Variation Reported Incorrectly : " XXXX, XXXX '' Correct Name : [ Your full legal name ] Incorrect Previous Addresses Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX, CA Correct Address : [ Your current and correct address ] Incorrect Employment Information Reported Incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX Correct Employer ( if applicable ) : [ Your actual employer or " None '' ] Requested Resolution : I request that the CFPB investigate this matter and direct Equifax, Experian, and TransUnion to : Immediately remove all inaccurate personal information from my credit file. 

Provide me with updated credit reports reflecting these corrections. 

Ensure no future misreporting of this incorrect data. 

I have previously disputed this information with the credit bureaus, but it has not been corrected. Under the Fair Credit Reporting Act ( FCRA ), these inaccuracies must be removed promptly. 

Supporting Documentation ( if available ) : Copies of prior dispute letters ( if applicable ) Proof of identity ( e.g., drivers license, utility bill ) Any correspondence from the credit bureaus I appreciate your prompt attention to this matter and expect a resolution as soon as possible. 

Sincerely,

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I received a summons in the mail in XXXX XXXX for a XXXX credit card. I filed my response to an amount of XXXX. After I filed, I received many papers from them, threatening me that I did not file my response and that I was going to go into default which was made in a court form paper which I verified with court they did not have any knowledge of that document. I also tried to make a plea deal with them and denied it. And now the amount is almost XXXX they say its intrest rates in thats amount and never gave me original contract. Never was summoned to go to court and now they have the ability to garnish my check, cause they won the judgment. Also charging me interest per day according to them. Company is a fraud and scam and take money from struggling Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
There are several business accounts that i can prove are not mine, however requesting for them to remove it has been a nightmare, they did remove a few things that did not matter which makes this even more strange. They have not provided me with anything in writing to confirm how they can prove its my accounts. Besides the accounts not being mine, it clearly states that XXXX XXXX XXXXXXXX and XXXX XXXX both have Written of the debt and never sent me a 1099 because its not my account. Regardless the accounts being a write off create a problem i can not solve by calling the banks who deny delay and defend by sending me back to square 1 Transunion, Equifax and Experian were all disputed in XXXX 2025 and we have been going back and forth since then. No formal document has come on my desk from them in writing or email.

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 2025-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NE

Complaint narrative:
Mohela has been nonresponsive and very unhelpful. My mom took out over XXXX of loans without me even knowing and now I am stuck with them. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
Issue Type : Credit reporting Improper use of my report Sub-Issue : Account information is incorrect What happened : - A medical bill from " XXXX XXXX '' was sent to collections and reported under my Social Security number without my knowledge or direct contact. I was never notified about the debt before it was reported. I discovered it only because it appeared on my credit report. 

- When I followed up, XXXX XXXX told me they had contacted my mother, who was listed as the primary on the account. However, the account was reported under * my * name and * my * Social Security number, which impacted * my * credit scorenot hers. 

- I disputed the account with XXXX  and provided proof that the balance was paid on " XX/XX/2024 ''. Despite this, the debt is still showing on my credit report. I also contacted both XXXX XXXX and the collection agency and asked for the collection to be removed, since I was never properly notified and the account was already paid before being referred to collections. 

- Additionally, I submitted a request to XXXX XXXX for full documentation of the account and billing history, but so far, they have only provided " partial records ''. I have not received a full explanation of the charges, notices sent, or documentation that justifies placing this debt under my name or reporting it to a credit bureau. 

- Since the bill was paid by my motherwho was listed as the primaryI dont understand why the collection was placed under my Social Security number and credit file, and why I wasnt contacted directly before it was reported. I was never given a chance to resolve the situation, and now my credit is being harmed for something I wasnt even made aware of. 

- This has caused unnecessary damage to my credit due to poor communication, lack of transparency, and mishandling by the original creditor.

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 2025-05-20 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
In early May, I submitted a dispute through XXXX  regarding a late payment Capital One reported for XX/XX/year>. On XX/XX/XXXX, I received a letter stating they conducted an investigation and determined the late payment was accurate. I called Capital One to let them know I never received any supporting documentation when the late payment was first reported, and I requested the evidence they used to verify its accuracy. I also reminded them that under the Fair Credit Reporting Act ( FCRA ), I have the right to be informed of the details of their investigation. The representative told me they couldnt locate any documentation, yet they still refused to remove the late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MS

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I went to Walmart to put {$100.00} cash on my capital one debit card and i accidentally put it on my capital one credit card that DOESNT accept cash transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account XXXX to the breach that occurred in 2024. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. Thank you for your assistance. 


Company or Organization : XXXX XXXXXXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXXXXXX XXXX/2025 RE : Dispute Inaccurate Credit Reporting XXXX XXXX XXXX Account ( XXXX XXXX XXXX ) To whom it may concern : The following debt ( s ) ( XXXX XXXX  ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX/2025 RE : Dispute Inaccurate Credit Reporting XXXX XXXX XXXX Account ( XXXX XXXX XXXX  ) To whom it may concern : The following debt ( s ) ( XXXXXXXX XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480

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 2025-05-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX XXXX/2025 RE : Dispute Inaccurate Credit Reporting XXXX XXXX XXXX Account ( XXXX XXXX XXXX  ) To whom it may concern : The following debt ( s ) ( XXXX XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no
cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief