vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 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:
I disputed this account on my credit report due to inaccurate balances, improper account status, and unverifiable debt. The credit bureau and the furnisher marked the account as verified without providing any supporting documentation. Some details, such as late payments and past due balances, continue to report even though the account has been paid, closed, or written off. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) ) requirements for maximum possible accuracy and reasonable reinvestigation.

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
XX/XX/year>, letters of validation was sent to the company that include explanation and debt not being validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: ME

Complaint narrative:
Equifax did not provide any acknowledgment, reinvestigation results, or written response within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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: OH

Complaint narrative:
reopen XXXX ; XXXX, XXXX, and XXXX based on the following information : XXXX response misstates the Fair Credit Reporting Act ( FCRA ) and fails to meet its obligations under 15 U.S.C. 1681i and 1681e ( b ). A consumer reporting agency must conduct a reasonable reinvestigation ; not simply verify with the furnisher. Courts have held that parroting a furnishers response is inadequate when the consumer provides contrary evidence. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( CRA must go beyond source ) and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( Experian negligent for ignoring court records disproving a judgment ). 
FCRA also requires CRAs to forward all relevant information to the furnisher and delete or modify any item that is inaccurate, incomplete, or can not be verified. 15 U.S.C. 1681i ( a ). Experians claim that accurate information can not be deleted omits the statutory can not be verified prong. CFPB XXXX XXXX warns that failing to transmit consumer documentation violates federal law, and XXXX XX/XX/XXXX lawsuit against Experian alleges sham investigations and failure to forward disputes. See CFPB v. Experian XXXX. XXXX, XXXX XXXX XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ). 
Further, technically correct data can still be inaccurate if materially misleading. See XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) and XXXX XXXX XXXX Banking XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( failure to note disputes and misleading reporting violates FCRA ; punitive damages affirmed ). Experian must also provide a description of the procedure used in its reinvestigation under 1681i ( a ) ( 6 ) ( B ) ( iii ), not boilerplate language.

To comply, Experian must reopen the dispute, review primary source documents, forward all consumer evidence, and delete or correct any unverifiable or misleading information. It must also ensure that furnishers report the account as disputed. Failure to do so exposes Experian to liability for statutory, actual, and punitive damages under 1681i and 1681e ( b ). XXXX XXXX, XXXX, XXXX, and 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 2025-12-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: AL

Complaint narrative:
They continued to send emails and letters to collect a DEBT that's clearly does not have my name upon it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am submitting this complaint to formally dispute a collection account appearing on my credit report that I did not authorize, open, or incur. This collection is inaccurate and is being reported in violation of federal consumer protection laws.Under 15 U.S.C. 1692g, a debt collector is required to provide proper validation of a debt upon dispute, including competent evidence that the consumer is legally obligated to pay the alleged debt. 
XXXX amount own 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Chase charged a {$95.00} annual fee on my Chase Sapphire XXXX credit card. The card was never used for any purchases.

The annual fee was paid from my checking account via autopay. After noticing the charge, I contacted Chase and requested a refund, explaining that the card was unused and that I closed the account.

Chase refused to refund the annual fee, citing an internal 41-day policy, even though the card had XXXX transactions and the fee had already been paid. I made multiple attempts to resolve this directly with Chase, but they consistently denied the refund.

I am requesting a refund of the {$95.00} annual fee charged on an unused credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
Im writing again because multiple fraudulent accounts are still showing up on my credit report, even after Ive taken every proper step to dispute and resolve this issue. Its incredibly frustrating that these unauthorized entries continue to appear, and it raises serious concerns about how this situation has been allowed to go on for so long.

My credit report also contains incorrect personal information, which seems to be contributing to these false accounts being linked to me. I am a victim of identity theft my personal details were used without my consent, and I have no connection to any of these accounts being reported in my name. 

Following Experians instructions, I filed an FTC Identity Theft Report and submitted all the necessary documents, yet these fraudulent items are still listed. This ongoing inaccuracy is damaging to both my credit and my peace of mind.

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 2025-12-25 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: MD

Complaint narrative:
Im writing again because multiple fraudulent accounts are still showing up on my credit report, even after Ive taken every proper step to dispute and resolve this issue. Its incredibly frustrating that these unauthorized entries continue to appear, and it raises serious concerns about how this situation has been allowed to go on for so long.

My credit report also contains incorrect personal information, which seems to be contributing to these false accounts being linked to me. I am a victim of identity theft my personal details were used without my consent, and I have no connection to any of these accounts being reported in my name. 

Following TransUnions instructions, I filed an FTC Identity Theft Report and submitted all the necessary documents, yet these fraudulent items are still listed. This ongoing inaccuracy is damaging to both my credit and my peace of mind.

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 2025-12-25 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-25 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: NY

Complaint narrative:
I am a federal student loan borrower pursuing XXXX XXXX XXXX XXXX. My loans are serviced by MOHELA. MOHELA placed my account into administrative forbearance without my consent. My last payment was on XX/XX/year>, and after that my loans went into forbearance. This forbearance prevents me from making XXXX qualifying payments and is causing harm to my statutory right to progress toward forgiveness. Since the forbearance, I have missed XXXX qualifying payments that I could have made towards PSLF. I have repeatedly attempted to contact MOHELA by phone and through their secure message system and have received no response. I am requesting that MOHELA remove the administrative forbearance retroactively or immediately and resume billing so I can make PSLF qualifying payments. I am also requesting written confirmation of the forbearance removal and correction of my PSLF payment tracking.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-25 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: DC

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent inquiries that were opened without my knowledge or consent. Despite prior submissions these inquiries or their related information continue to appear or remain unblocked in my file. The following fraudulent inquiries must be permanently blocked and deleted from my credit file and any future reinsertion of this or related inquiries must be automatically prevented per FCRA 605B ( c ) ( 1 ) and XXXX ( a ) ( XXXX ) ( B ) FRAUDULENT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent inquiries listed above Delete all existing records inquiries or derivative data connected to these inquiries Ensure future suppression preventing any of these or related inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent inquiries or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these inquiries has been permanently deleted and blocked from future reporting.

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 2025-12-25 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: DC

Complaint narrative:
I am submitting this formal notice under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 FCRA 605B and 623 as a verified victim of identity theft. I have submitted documentation and supporting evidence including my FTC Identity Theft Report regarding fraudulent inquiries that were opened without my knowledge or consent. Despite prior submissions these inquiries or their related information continue to appear or remain unblocked in my file. The following fraudulent inquiries must be permanently blocked and deleted from my credit file and any future reinsertion of this or related inquiries must be automatically prevented per FCRA 605B ( c ) ( 1 ) and XXXX ( a ) ( XXXX ) ( B ) FRAUDULENT HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were opened or initiated by unknown parties using my stolen identity as confirmed in my FTC Identity Theft Report. I never authorized or consented to any application or extension of credit connected to these inquiries. I demand that under FCRA 605B ( b ) you Permanently block all information related to the fraudulent inquiries listed above Delete all existing records inquiries or derivative data connected to these inquiries Ensure future suppression preventing any of these or related inquiries from reappearing in my credit report Provide written confirmation of the completed block and deletion within the statutory 4 business days of receipt of this notice Notify all furnishers involved that this information has been identified as fraudulent and must not be re-reported under FCRA 623 ( a ) ( 6 ) ( B ) This request also extends to any fraudulent inquiries or information not currently visible in my credit file but mentioned in my FTC Identity Theft Report. Those must be preemptively blocked to prevent appearance or reinsertion. Failure to comply constitutes a willful violation under FCRA 605B ( d ) and 623 ( a ) ( 6 ) and may result in statutory damages attorney fees and civil liability under 15 U.S.C. 1681n and 1681o. Please confirm in writing that all fraudulent information related to these inquiries has been permanently deleted and blocked from future reporting.

Company response to consumer: Closed with non-monetary relief