vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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 2025-07-30 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: MS

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights 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 2025-07-30 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-07-30 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days.

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I submitted an Education Award Payment Request on XX/XX/year> through my.americorps.gov specifying that I wanted the award amount to be applied to a specific loan. I described that loan in four different ways so that there could not possibly be any confusion about which loan I wanted the payment to be applied to. I said, " Please apply this amount to loan # 8, the unsubsidized loan with a balance of {$2100.00} and an interest rate of 5.500 %. '' A child could identify the correct loan off of those instructions. However, MOHELA applied the payment to loan # 3, which is unsubsidized, had a much higher balance, and a much lower interest rate. Literally nothing about loan # XXXX matched my description. This is not the first time I have had issues with them. I've filed complaints in the past with the FSA, the CFPB, and my state 's Attorney General, and I will be doing it again about this issue. This is completely unacceptable. I don't have 7 hours to wait on hold on the phone, and if past experience is any indication, I probably won't hear back about the message I sent them for two months and I need this issue resolved sooner than that. Loan # 8 has a high interest rate and I want to pay it off immediately, but I can't do that if they don't apply my money correctly. Additionally, I submitted an interest payment request on the same day, asking for the entire interest balance to be paid off, which on XXXX showed to be an amount of {$680.00}. MOELA only applied {$330.00} to the interest amount, which according to studentaid.gov is the incorrect amount. 

When I previously filed a complaint against MOHELA with my state 's Attorney General, I was provided the phone number of an employee from the response sent to the AG. I called and left a message one week ago, but have not received a call back. I have sent MOHELA an email through their website, and also sent XXXX to XXXX. I obtained this email address from the response to the AG as well. If past experience is any indication, I don't think I'll hear back from them about these emails for two months.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The XXXX  inquires listed on my credit report were not authorized by me and do not belong to me. I believe they are result of unauthorized activity or potential fraud. specifically, the following inquires need to be removed : XXXX. XXXX XXXX XX/XX/year> - Equifax XXXX. XXXX XXXX XX/XX/year> - XXXX  I request an investigation and the inmediate removal of these inquires from my credit report, as they were not initiated or approved by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: DE

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 prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer; or ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following accounts from my credit report immediately : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Balance : {$800.00} Date Opened : XX/XX/XXXX Status : Collection account Past Due : {$800.00} Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} Date Opened : XX/XX/XXXX Status : Open auto loan, {$1000.00} past due as of XX/XX/XXXX Late Payments : XXXX ( XXXX lates across multiple months ) Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX / XXXX Balance : {$6300.00} Date Opened : XX/XX/XXXX Status : Open student loan, {$430.00} past due Last Payment : XX/XX/XXXX Late Payments : XXXX, XXXX, XXXX, XXXX lates Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Balance : {$3700.00} Date Opened : XX/XX/XXXX Status : Open student loan, {$250.00} past due Last Payment : XX/XX/XXXX Late Payments : 90, 120, 150, 180-day lates 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AL

Complaint narrative:
I submitted a timely Validation of Debt request to JEFFERSON CAPITAL XXXX regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$2400.00} and {$570.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state.

Despite this request, JEFFERSON CAPITAL SYSTEM failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not
legally prove they own or are authorized to collect.

By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within XXXX business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
I disputed XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting inaccurate personal address information on my credit report that does not reflect my true residential history and misrepresents my identity. My current and only address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. This is the sole place I have lived, and no other addresses should be associated with me. However, Experian is still listing XXXX unrelated and incorrect previous addresses on my credit XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX, XXXX, CA XXXX XXXX both dated as of XX/XX/year>. These addresses are entirely inaccurate, and I have never lived at either of them. Their presence on my report is not only factually wrong, but it constitutes a violation of my rights under federal law.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) requires credit reporting agencies like Experian to follow reasonable procedures to ensure that the information they furnish in consumer reports is held to the standard of maximum possible accuracy. Including addresses that do not belong to me and have no verifiable connection to my legal residence falls far below that standard. Experian has failed to maintain accurate identifying information tied to my profile, and that directly compromises the integrity of my report. 

When I submitted a dispute to Experian to correct this issue, I clearly stated that XXXX XXXX XXXX XXXX is my current and only address, and I requested that the erroneous addresses be removed entirely. Rather than take corrective action, Experian returned a vague response claiming the information was verified, yet provided no source, no documentation, and no details about how that verification was performed. That is not a reinvestigationit is a refusal to comply with 15 U.S.C. 1681i ( a ), which mandates that credit bureaus conduct a reasonable reinvestigation when a consumer disputes inaccurate information. Repeating an internal error without verifying it through documentation or credible third-party sources is not a lawful responseit is a failure of duty.

This is not just an administrative glitchit is causing real consequences. These inaccurate addresses are confusing lenders and triggering red flags during identity verifications. I've had to deal with delays in applications and invasive questioning, all because Experian continues to associate my name with properties Ive never lived in. It creates a false and misleading paper trail that opens the door to fraud, misattribution, and risk of mixed files. There is no legal, financial, or factual justification for these addresses to remain on my 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: NC

Complaint narrative:
I am submitting this statement to explain the personal, financial, and emotional harm Ive suffered due to a false background report created and maintained by Checkr, which continues to show a dismissed criminal charge that was resolved in my favor. 

In XX/XX/XXXX, I received a reckless driving charge in XXXX XXXX, North Carolina. I hired legal representation, and on XX/XX/XXXX, the charge was dismissed without leave by the District Attorney. The case was resolved as a non-moving infraction ( " Improper Equipment '' ), which is not a misdemeanor or criminal offense. Despite this resolution, Checkr continued to report the reckless driving charge as a misdemeanor, which flagged my profile and led to serious real-world consequences. 

Because of this false report, XXXX permanently deactivated my driver account, a platform I had relied on as a flexible income stream, especially during financially unstable periods. I was unable to work on the XXXX platform for at least XXXX full year, possibly closer to XXXX, and this deactivation severely disrupted my ability to generate income on my own terms. The situation was especially stressful as I was already dealing with housing insecurity, health issues, and limited employment options. 

What made matters worse is that I had no clear way to fix it. Every time I logged into my Checkr account, the platform said there was no report available. I repeatedly tried to request a copy of my background check but never received one. I had no way of knowing what was on my file or how to dispute it. For over a year, I was locked out of the dispute process, denied a fair chance to correct false information, and blocked from working with no recourse. 

Only recently was I able to obtain a copy of my report, which, as of now, still inaccurately lists the dismissed reckless driving charge as a misdemeanor that is under " Consideration. '' This is false, outdated, and materially harmful to my ability to earn income. 

In addition to lost income, Ive suffered : Chronic financial stress and anxiety about how I would make ends meet Loss of independence and flexibility, as I couldnt rely on rideshare income Embarrassment, shame, and emotional distress, knowing I was being unfairly labeled based on a charge that was dismissed Ongoing uncertainty, as the dispute is still unresolved and I remain blocked from platforms like XXXX I am sharing this in hopes of having the false information corrected immediately and holding the responsible parties accountable for the harm caused. I did everything right. I followed the law, hired a lawyer, resolved the case, and yet Ive been penalized for over a year because of a reporting system that failed to reflect the truth and blocked my ability to challenge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2025, I was coerced under threat by an individual who took control of my device and used my debit card to make unauthorized purchases totaling {$2300.00}. I did not consent to these transactions and filed a dispute with XXXX XXXX  on XX/XX/2025. I received a provisional credit, which was still pending when I withdrew my funds after a very traumatic phone call with rep XXXX XXXX. I realized my money was not secure with XXXX XXXX  and they dont take crime or fraud seriously. XXXX XXXX  then closed my account with a negative balance after having denied the dispute. 
The representative I spoke to refused to answer my questions or explain the reasoning further and stated they would not reinvestigate and that she would not repeater herself or answer my questions despite me begging her. I have an audio recording of this call. 
XXXX XXXX  denial was based in part on prior dispute history, even though I was not refunded in past disputes. This is not a legally valid reason for denial under Regulation E, which requires each case to be evaluated individually. This is against the law.

I was a victim of coercion and financial abuse those are real crimes with real trauma attached. I explained this to the bank and XXXX XXXX, and they still treated this as a routine denial, claiming the transactions were authorized because they occurred from my phone and used Verified by XXXX. That does not account for coercion or lack of real consent. 
I am requesting a full reinvestigation, removal of the negative balance, and restitution of my funds and reinstatement of my account or I will take legal action under these Legal grounds Breach of Contract / Bad Faith ( Closing your account without explanation or due notice, not properly handling fraud claim ) Negligent Infliction of Emotional Distress ( Mishandling sensitive situation, especially after identity theft and violence ) Violation of Fair Credit Billing Act ( FCBA ) ( Failure to adequately handle disputes of fraudulent charges )

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 2025-07-30 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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