vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts appearing on my credit report. These accounts are inaccurately reported, and I respectfully request a thorough investigation. I believe these items to be incorrect, and they are negatively impacting my credit score. Below are the disputed accounts, organized by each credit bureau : XXXX XXXX XXXX XXXX Account Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$56.00} Discrepancy : Please verify the accuracy of this account, as it may contain errors. 

XXXX XXXXXXXX XXXX Account Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$390.00} Discrepancy : The information reported on this account does not appear correct. Kindly conduct a thorough investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been disputing since XXXX of XXXX  they have ignored all certified letters of dispute they did not do an investigation and lied about things that I did wrong

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 2025-11-19 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/year> my student loan from XXXX XXXX XXXX XXXX XXXX XXXX was forgiven based on me working in a particular employment for XXXX consecutive years and is listed as paid in full on XXXX XXXX XXXX XXXX website. My credit report is showing charge off for this loan which is incorrect and has affected me getting a XXXX XXXX loan for my daughter. I would like for my credit report to reflect the correct information. I have screenshots from XXXX XXXX XXXX XXXX website which I can provide that shows it's paid in full. I am in the process of getting a letter to reflect my paid off account.

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 2025-11-19 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: NY

Complaint narrative:
In XX/XX/year> my student loan from XXXX XXXX XXXX XXXX XXXX XXXX was forgiven based on me working in a particular employment for XXXX consecutive years and is listed as paid in full on XXXX XXXX XXXX XXXX website. My credit report is showing charge off for this loan which is incorrect and has affected me getting a XXXX XXXX  loan for my daughter. I would like for my credit report to reflect the correct information. I have screenshots from XXXX XXXX XXXX XXXX website which I can provide that shows it's paid in full. I am in the process of getting a letter to reflect my paid off account.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following charged-off accounts on my Experian credit report. The accounts listed below are inaccurately reported as charged off or settled. I request that these accounts be thoroughly investigated, and the inaccuracies be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$36.00} XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries 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 XXXXXX/XX/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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
My vehicle was repossessed by the lender, and I have been unable to reinstate the loan despite being told conflicting information. On multiple calls in early XX/XX/year>, I was informed by a representative that I could recover my vehicle by paying the past-due amount of {$7100.00} plus storage fees. I prepared to pay this amount immediately. 

Shortly afterward, the lender changed its position and said the full payoff amount of {$78000.00} was required. At no point before this was I told that reinstatement would not be allowed. I lost my job unexpectedly, which caused the delinquency, but I have remained in communication and have been actively trying to resolve the account in good faith. 

I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>, but the vehicle is scheduled to be sold as early as tomorrow XX/XX/year>, leaving almost no time for proper review. An XXXX investigator informed me that the loan originated in Connecticut and advised me to file a CFPB complaint because of the urgency. 

During this same period, on Thursday evening, the only other car available to my household was totaled when my daughter was hit by an intoxicated driver traveling approximately XXXX mph. That vehicle was a XXXX car, and the insurance company has stated its payout will be minimal. This has left us with no transportation at all. 

I am not refusing responsibilityI am attempting to reinstate the loan by paying the past-due balance, late fees, and storage costs. I simply need a reasonable and consistent reinstatement amount and the opportunity to resolve the delinquency before the car is sold. The lenders sudden refusal to accept reinstatement and demand for full payoff has created extreme hardship and prevents me from recovering the vehicle. 

I am requesting the CFPBs assistance to review the lenders actions, ensure proper notice and reinstatement rights, and prevent the sale of the vehicle until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2800.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$7100.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$8300.00} Inquiries : XXXX XXXX XXXX XXXX  Account XXXX : XX/XX/XXXX XXXX XXXX Account Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX : XX/XX/XXXX XXXX  XXXX XXXX Account Date XXXX XX/XX/XXXX XXXX XXXX  Account Date : XX/XX/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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I reviewed your response and it still does not address the actual issue I raised. This account has damaged my credit tremendously, and at this point your company still has not shown any proof that I ever agreed for Security Credit Services LLC to receive, handle, or report my personal information. No one ever contacted me, notified me, or obtained my consent before placing anything on my credit file. 

You attached signatures for someone named XXXX XXXX, which is not my legal name. My name is XXXX XXXX. If you are claiming that I authorized this company to take my information, then you need to explain why there is no XXXX XXXX signature anywhere in your documents. Nothing shows that I approved or acknowledged Security Credit Services in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX  XXXX Balance : {$20000.00}

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I disputed some charges stating that my card was lost or stolen, i then got provisional credit which last about 14 days until i got 8 letters in the mail stating that i had possession of my card so the charges could not be fraudulent, i then called citi bank and told them that i did not have possession of my card during that time, and they had me go through the process of disputing their investigation and that the provisional credit would stay and they stated they would keep me informed, i followed up with them the following day and confirmed they received my dispute via fax and they confirmed they did and told me that i should have no worries and that they would inform me once the investigation is complete, come to today XX/XX/XXXX, they withdrew the provisional credit and left my account overdrawn and i had to deposit money back into it, i called and they stated that they would attempt to put the provisional credit back but couldnt tell me when that would occur.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting the following dispute regarding inaccurate and incomplete information reported by the credit bureaus. The following accounts are in dispute due to their negative impact on my credit report, including charged-off accounts, inquiries, positive accounts, and late payments. Below are the details of the accounts being disputed, separated by each bureau. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6600.00} Late Payment Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-11-19 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: NJ

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-19 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$12000.00} XXXX  Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2500.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Would you mind checking this entry? Its late and might be 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts appearing on my credit report. These accounts are inaccurately reported, and I respectfully request a thorough investigation. I believe these items to be incorrect, and they are negatively impacting my credit score. Below are the disputed accounts, organized by each credit bureau : CHARGED OFF Credit Collection Account Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$56.00} Discrepancy : I am requesting a review of this account due to potential inaccuracies in its reporting. 

2. Credit Collection Account Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$390.00} Discrepancy : This account is inaccurately reported, and I would like to request an investigation to ensure it is accurately reflected.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I do not know when this debt was done, but I have filed several documents stating this is not my debt. I am tired of the harassments for this debt

Company response to consumer: Closed with explanation