vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
I am disputing the following charged-off account and late payment information listed on my credit report under Experian. Please investigate and correct any inaccuracies found. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 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: MI

Complaint narrative:
I am disputing the following charged-off account and late payment information listed on my credit report under TransUnion. Please investigate and correct any inaccuracies found. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-23 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: MD

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for reporting multiple hard inquiries on my credit report that I did not authorize. These inquiries were made without my knowledge or consent and have negatively impacted my credit profile and score.

I have already taken appropriate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and provided Equifax with a copy of this report as required under the Fair Credit Reporting Act ( FCRA ). Despite receiving the FTC documentation, Equifax has failed to remove or block the unauthorized hard inquiries from my credit file.

Under FCRA 605B, consumer reporting agencies are required to block information resulting from identity theft within four ( 4 ) bus
iness days after receiving a valid FTC Identity Theft Report. Equifaxs continued reporting of these hard inquiries demonstrates a failure to comply with federal law and a failure to conduct a reasonable investigation as required under FCRA 611. 

I did not authorize the following Inquiries : XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XX/XX/year> Please see all attached documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OR

Complaint narrative:
I took our XXXX loans during my time in XXXX school. I started paying off my loans in the last few years - above the minimum payment. I would pay large sums but since I was on autopay the system didn't realize I have a XXXX balance and applied my autopay balance to some of the loans. I currently have XXXX open loans with a negative balance. I have asked MOHELA to close those accounts and apply that money to my open loan ( XXXX ). I first did this in XXXX of XXXX and more recently in XXXX and XXXX of XXXX. This has been escalated to multiple managers and I keep getting told the same thing, " this is an easy fix but I need to escalate it up the chain. You will have it fixed in XXXX business days, if not call back ''. I am currently stuck in an endless cycle of incompetence and all I want to do is pay off my student loans. I have XXXX loan left to pay off. Once my negative balances have been applied to the loan I will pay it off, but I can't do that until MOHELA fixes this issue. Thank you for your help. Please let me know if you have any questions.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate information appearing on my Equifax credit file. 

Disputed Items : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$2200.00} This account is reporting as charged off. I have no record or contractual agreement with this company. I request verification of the original creditor, signed contract, and balance details. If Equifax can not verify this account, it must be deleted as required by the FCRA. 

Inquiries in Question : No recent inquiries are authorized or known to me. Please remove any unverifiable inquiries. 

Address Concerns : Some previous addresses listed on my report are outdated or inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update and retain only my correct current address. 

Requested Action : I request a reinvestigation and deletion of unverifiable or inaccurate data in compliance with FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report. I believe that these accounts are incorrectly reported and require immediate correction. Below are the details of the disputed items, separated by bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: TX

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: MI

Complaint narrative:
Charged-Off Accounts in Dispute I dispute the accuracy of the following accounts reported by Equifax : XXXX Acct # XXXX Reported XX/XX/XXXX Balance {$0.00} This account appears as a charged-off item with a XXXX balance. The status and reporting details are unclear and need to be verified. 

XXXX XXXXXXXX XXXX XXXXXXXX Acct # XXXX Reported XX/XX/XXXX Balance {$470.00} This account is being reported with information that does not match my records. I am requesting full verification of the balance, status, and dates, or removal if it can not be validated. 

I am requesting a complete reinvestigation and correction or deletion of any information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is reporting an account on my credit report that I do not recognize and did not open. 

Jefferson Capital is reporting that I opened this account on XX/XX/XXXX. This is incorrect. I have no recollection of ever opening any account with Jefferson Capital Systems or their original creditor. 

I disputed this account with XXXX. The dispute was marked as verified, but I was never provided with any documentation proving that I opened or agreed to this account. No contract, signed agreement, or proof of obligation was provided. 

After my dispute, Jefferson Capital updated the balance/status date of the account to XX/XX/XXXX, making the account appear more recent. I believe this is an improper re-aging of the account. 

I am requesting that Jefferson Capital Systems either provide full documentation proving that I opened and am legally responsible for this account or remove the account from my credit report. I am also requesting that XXXX  correct or delete this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am disputing the following accounts under the charged-off section. The balances or account statuses appear to be incorrect or outdated. Please review and amend these entries. 

Charged Off Accounts : DEBT REC XXXX, XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX Of XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I contacted them Indigo and XXXX XXXX  to try to get these off of my credit I never signed up or used. I do alot of shopping online thats how I think they got my information.I disputed with XXXX XXXX and sent letters nothing works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited an insurance check for approximately {$6000.00} into my Chase checking account. Chase initially credited the funds but then restricted my account and placed the deposit under review. 

Chase is now labeling the item as a bad check, however the issuing bank has confirmed the check has not been returned unpaid and that Chase is currently holding the funds. 

Chase states the funds will remain restricted until they verify the issuer using a specific phone number that they claim must exist in their internal system. I have confirmed with the issuing bank and claims administrator that this phone number does not exist, and alternative verified contact information has already been provided.

Chase has refused to return the deposited item, refused to release the funds, and has not provided written documentation explaining the legal basis for holding funds indefinitely when the requested verification method is unavailable. 

This has resulted in an indefinite restriction on my account with no resolution path, despite cooperation and confirmation from the issuing bank. I am requesting that Chase either return the deposited item, release the funds, or provide written justification consistent with federal banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information reported on my credit report by TransUnion. The information is inaccurate and incomplete, and I request that the reporting agencies investigate and correct these discrepancies as per the Fair Credit Reporting Act ( FCRA ). 

Inquiries AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-12-23 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: MI

Complaint narrative:
I am disputing the following charged-off account and late payment information listed on my credit report under Equifax. Please investigate and correct any inaccuracies found. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief