vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX account # XXXX This account does not show the maximum possible accurate information in my file according to FRCA 1681e ( b ). Please delete immediately according to FRCA rule 1681e ( b ). My identity theft report # XXXX. 

XXXX XXXX  account # XXXX This account does not show the maximum possible accurate information in my file according to FRCA 1681e ( b ). Please delete immediately according to FRCA 168 XXXX XXXX ( b ). My identity theft report # XXXX JPMC account # XXXX account does not show the maximum possible accurate information in my fi, r according to FRCA 1681e ( b ). Please delete immediately according to FRCA 181e ( b ). My identity theft report # XXXX XXXX XXXX  account # XXXX.This account does not show the maximum possible accurate information according to FRCA 1681e ( b ). Please delete immediately from my file according to FRCA 1681e ( b )

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 2025-04-09 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: VA

Complaint narrative:
To Whom It May Concern, I am filing a complaint against **Experian** for its continued reporting of a **fraudulent and unauthorized student loan account allegedly held by XXXX. This account **does not belong to me**, and **no signed agreement or valid contract** has been provided by either XXXX or Experian to prove that this debt is legitimate. 

Additionally, this account is **incomplete**, as it is **not associated with a physical address**, violating the basic standards for credit reporting accuracy. I have formally disputed this account, but Experian has refused to remove it despite clear evidence that it is **fraudulent, inaccurate, and unverifiable**. 

-- - # # # **Violations by Experian : ** - XXXX USC XXXX XXXX a ) ( XXXX ) ( B ) ( iii ) : ** Failure to remove disputed information that can not be verified. 

- XXXX XXXX XXXX XXXX : ** Experian has failed in its duty to uphold the fairness, accuracy, and privacy required by the FCRA XXXX 

- XXXX XXXX XXXX XXXX ( a ) ( XXXX ) : ** Reporting a debt without a permissible purpose or verified consumer authorization. 

- XXXX CFR XXXX ( Regulation B ) : ** Allowing a fraudulent and unverifiable account to influence credit decisions is discriminatory and reckless. 

- XXXX XXXX XXXX : ** No validation or billing explanation has been provided, a clear violation of fair credit billing standards. 

- **UCC XXXX : ** Experian is reporting a debt for which no contract or legal obligation exists, and no lawful consideration was provided. 

- XXXX/ XXXX XXXX XXXX ( 1933 ) : ** The alleged loan is based on fiat, not lawful money XXXX and no consideration was lawfully exchanged. 

- XXXX XXXX XXXX : ** Experian is assisting in the unlawful reporting of a student loan account that does not follow federal discharge or validation standards. 

-- - # # # **Summary : ** The XXXX account is **fraudulent, not mine**, and is causing damage to my financial credibility and emotional well-being. Experians **continued reporting of this false and unverifiable debt** is unlawful and in direct violation of my rights.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I lived in XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. While living there I was diagnosed with XXXX XXXX XX/XX/XXXX and proceeded to go through treatment. During treatment which lasted through XXXX, XXXX  XXXX stopped paying vouchers. I had to move from the apartments and move in with a family member. While still in treatment I was sick on most days. I was unable to move out on XX/XX/XXXX and moved out on XX/XX/XXXX once I had help from family members. I spoke with someone from the collection company on behalf of XXXX XXXX and explained that I was unable to move out by XX/XX/XXXX due to being in treatment. This agent then told me that it would be removed from my credit report due to my hardship. I have not received any communication from the collection agency until XX/XX/XXXX. 

I am now looking to move to another apartment and went to apply at XXXX XXXX, I was informed that my application was rejected due to XXXX XXXX XXXXXXXX XXXX negative report and collection on my credit report. I spoke to XXXX at XXXX XXXX XXXX who was very rude and did not want to help me at all. I tried to explain to her what happened and that this was on my credit in error, and she told me that it would stay on my report regardless to what I explained. 

After contacting XXXX, I was advised to make a complaint aganst XXXX XXXX XXXX for erroneously putting this charge on my report. I was informed by XXXX that this is being removed from my report and should drop off within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX, with whom I had a mortgage for many years, sold it to another mortgage company without my knowledge or awareness of, and that new monthly payment is over $ XXXX more than it was with b of a. also, when with b of a, I was told that the only way to do a loan XXXX was to miss payments, then get a new payment plan, which we did, only to have them sell the loan. I must have faxed and/or emailed b of a hundreds of pages during the loan mod process.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX, with whom I had a mortgage for many years, sold it to another mortgage company without my knowledge or awareness of, and that new monthly payment is over $ XXXX more than it was with b of a. also, when with b of a, I was told that the only way to do a loan XXXX was to miss payments, then get a new payment plan, which we did, only to have them sell the loan. I must have faxed and/or emailed b of a hundreds of pages during the loan mod process.

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 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was asked to open additional accounts together with my regular checking account. I concluded that this was a sham and I was incurring unnecessary fees so I closed the accounts. I do not remember the actual dates but I think it was between 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 2025-04-09 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: FL

Complaint narrative:
This morning, I saw some incorrect accounts listed on my credit report and Im unsure of the reason. I review my report regularly, but this time unexpected errors appeared. I even tried refreshing my browser, thinking it might be a technical issue, but the errors remained. Given this situation, Im requesting a detailed review of the documents I provided so I wont have to deal with this concern again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Today, while reviewing my credit report, I was shocked to see incorrect personal details listed, and I have no idea how they ended up there. I regularly check my report, so these mistakes were completely unexpected. I even reloaded the page to rule out a browser issue, but the inaccurate information remained. Therefore, I kindly request a thorough review of the documents Ive provided so this matter can be resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
What happened? 
I am filing a formal complaint against XXXX XXXX XXXX for reporting an alleged debt that I do not owe and for failing to properly investigate my prior dispute. I have never entered into any agreement, contract, or financial obligation with this company or the alleged original creditor. Despite disputing the account, it remains on my credit report without any validation or supporting documentation being provided. 

Their reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The company failed to validate the debt as required by 15 U.S.C. 1692g ( b ), and continues to report the account inaccurately in violation of FCRA 623 ( a ) ( 1 ) ( A ). I submitted a request for full validationincluding a signed contract, legal authority to collect, and a full accounting of the debtbut they failed to provide a meaningful response. 

Additionally, the consumer reporting agencies ( XXXX, Equifax, and XXXX ) failed to conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). This ongoing misreporting has caused harm to my credit and well-being.

Their continued reporting without verification is unlawful and misleading, and directly contradicts case law such as XXXX XXXX XXXX, which established that CRAs must conduct independent and reasonable investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
What happened?

I am filing a formal co

mplaint against Industrial Acceptance Corporation for reporting an alleged debt that I do not owe and for failing to properly investigate my prior dispute. I have never entered into any agreement, contract, or financial obligation with this company or the alleged original creditor. Despite disputing the account, it remains on my credit report without any validation or supporting documentation being provided. Their reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The company failed to validate the debt as required by 15 U.S.C. 1692g ( b ), and continues to report the account inaccurately in violation of FCRA 623 ( a ) ( 1 ) ( A ). I submitted a request for full validationincluding a signed contract, legal authority to collect, and a full accounting of the debtbut they failed to provide a meaningful response.

Additionally, the consumer reporting agencies ( Experian, XXXX, and XXXX ) failed to conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). This ongoing misreporting has caused harm to my credit and well-being.

Their continued reporting without verification is unlawful and misleading, and directly contradicts case law such as XXXX XXXX XXXX, which established that CRAs must conduct independent and reasonable investigations.

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 2025-04-09 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: MA

Complaint narrative:
What happened? 
I am filing a formal complaint against Industrial Acceptance Corporation for reporting an alleged debt that I do not owe and for failing to properly investigate my prior dispute. I have never entered into any agreement, contract, or financial obligation with this company or the alleged original creditor. Despite disputing the account, it remains on my credit report without any validation or supporting documentation being provided.

Their reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The company failed to validate the debt as required by 15 U.S.C. 1692g ( b ), and continues to report the account inaccurately in violation of FCRA 623 ( a ) ( 1 ) ( A ). I submitted a request for full validationincluding a signed contract, legal authority to collect, and a full accounting of the debtbut they failed to provide a meaningful response.

Additionally, the consumer reporting agencies ( XXXX, XXXX, and TransUnion ) failed to conduct a reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). This ongoing misreporting has caused harm to my credit and well-being.

Their continued reporting without verification is unlawful and misleading, and directly contradicts case law such as Cushman v. TransUnion, which established that CRAs must conduct independent and reasonable investigations.

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 2025-04-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I dispute the following hard inquires on my credit report : XXXX XXXXXXXX XXXX  with date of XX/XX/year>. XXXX XXXX XXXX XXXX XX/XX/year>. XXXXXXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX XXXX XXXX  on XX/XX/year>. XXXX XXXX XXXX on XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. ~168B1i ), Unverified inquires must be removed. Please investigate and remove any unverifiable inquires.

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 2025-04-09 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$890.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-09 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-09 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: CO

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 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