vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX, I obtained my Experian credit report and found multiple accounts reported inaccurately, incompletely, or without proper validation in violation of the Fair Credit Reporting Act ( FCRA ).

I have disputed these items in writing and through Experians dispute system, but Experian failed to conduct a reasonable reinvestigation as required under FCRA 611 ( a ) and continued reporting unverifiable information in violation of FCRA 607 ( b ). In several cases, Experian marked the accounts as remained unchanged without providing any evidence from the data furnisher. 

Specific issues include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$3900.00} collection reported since XX/XX/XXXX. No signed contract, account statements, or other documentation provided upon dispute. 

XXXX XXXX XXXX ( XXXX ) {$770.00} collection from XX/XX/XXXX. Repeated disputes since XX/XX/XXXX ; still no proof of ownership or original agreement. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$4100.00} collection reported since XX/XX/XXXX. Experian shows remained unchanged despite no validation. 

XXXX XXXX {$3500.00} collection opened XX/XX/XXXX. No original documentation or billing history provided. 

XXXX XXXX XXXX XXXX XXXX reported as charge-off/repossession ( original balance {$11000.00} ) with incorrect payment history and inflated balance ; no accounting records provided. 

Multiple Department of Education/XXXX accounts Incorrect payment histories and balances ; deferment/forbearance periods are misreported as if payments were due.

Under FCRA 611 ( a ) ( 1 ) ( A ), Experian must delete disputed information that can not be verified within the 30-day period. Continuing to report unverified or inaccurate data is a willful violation under FCRA 616 and 617.

This inaccurate reporting has resulted in denials of credit, higher interest rates, and other tangible damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
After learning my info was leaked in an XXXX  data breach, I looked over my report and seen accounts and info that I do not recognize

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 2025-08-11 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: AZ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute # XXXX regarding inaccurate information being reported on my consumer credit report by XXXX, XXXX, and Experian for the following accounts : XXXX XXXX ( XXXXXXXX XXXX  ), XXXXXXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXXXXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to formally dispute fraudulent accounts that have been wrongfully included on my credit report. These accounts are not mine, and I have never applied for, opened, or authorized them in any capacity. Their appearance on my credit file is a serious inaccuracy that is damaging my creditworthiness and financial reputation. I have exercised great care in managing my financial obligations, and it is deeply concerning to see this false information undermining years of responsible credit history. I am requesting that these fraudulent accounts be promptly investigated, removed in full, and that my credit report be updated to reflect an accurate record.

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 2025-08-11 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: GA

Complaint narrative:
I am filing this complaint regarding three collection accounts reported by XXXX XXXX, XXXX on my credit reports with Experian, Equifax, and TransUnion. 

I have repeatedly requested Debt Validation Letters from XXXX XXXX  under 15 U.S.C. 1692g ( a ) ( b ), including full chain of custody documentation and original creditor records. These requests were made via certified mail, and I have provided receipts and copies of my correspondence. 

XXXX XXXX has failed to comply with these legal obligations. No valid documentation has been provided to verify the debts. 

Violation by Credit Bureaus : Despite receiving my dispute letters and the attached proof of noncompliance by XXXX XXXX, the credit bureaus have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). Instead, they responded with generic statements that the information was investigated and found valid without addressing my evidence. 

As held in XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), merely confirming with the furnisher without reviewing the consumers evidence does not constitute a reasonable investigation. 

The continued reporting of these accounts without proper validation constitutes reporting inaccurate and unverifiable information, in violation of 15 U.S.C. 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 2025-08-11 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: GA

Complaint narrative:
I am filing this complaint regarding three collection accounts reported by XXXX XXXX, XXXX on my credit reports with Experian, Equifax, and TransUnion. 

I have repeatedly requested Debt Validation Letters from XXXX XXXX  under 15 U.S.C. 1692g ( a ) ( b ), including full chain of custody documentation and original creditor records. These requests were made via certified mail, and I have provided receipts and copies of my correspondence. 

XXXX XXXX has failed to comply with these legal obligations. No valid documentation has been provided to verify the debts. 

Violation by Credit Bureaus : Despite receiving my dispute letters and the attached proof of noncompliance by XXXX XXXX, the credit bureaus have failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ). Instead, they responded with generic statements that the information was investigated and found valid without addressing my evidence. 

As held in XXXX XXXX Trans Union XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), merely confirming with the furnisher without reviewing the consumers evidence does not constitute a reasonable investigation. 

The continued reporting of these accounts without proper validation constitutes reporting inaccurate and unverifiable information, in violation of 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX 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 2025-08-11 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud 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 XXXXXXXX DEPARTMENT OF EDUCATION {$1500.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Charges filed XXXX XXXXXXXX XXXX XXXXT attached, FTC, social security and ID attached for verification thank you send complete docs by law FCRA or delete

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 2025-08-11 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: CA

Complaint narrative:
Multiple attempts to dispute and remove fraudulent, inaccurate, and misleading information from my consumer report have failed to resolve these persistent issues. The continued presence of these unauthorized entries has created substantial personal and financial hardship, generating ongoing stress while damaging my creditworthiness and limiting my access to fair lending opportunities. As a victim of identity theft, I want to clearly state that I never authorized, requested, or consented to the inclusion of this fraudulent information, which does not represent my actual financial history or creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
I did not approve this inquiry and had no contact with the lender on the date in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
On XX/XX/XXXX I called Monterrey financial about a debt that was passed to them by XXXX XXXX XXXX both XXXX XXXX XXXX is reporting the same debt at the same time to my credit bureau I dispute it and both company deny my request to stop double reporting on my credit report. Ive reach out the XXXX they told me to dispute it I did but they still refuse to take it off I also reached out to the collection agency Monterrey financial and speak to XXXX ( ID # XXXX ) XXXX ( ID # XXXX ) XXXX ( ID # XXXX ) all of them was very disrespectful when I called trying to get this situation address and refused to give me any type of hope

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
This morning, I spotted inaccurate accounts on my credit report and have no explanation for why theyre there. I usually check my credit report regularly, but these discrepancies popped up unexpectedly. I refreshed my browser hoping it was a glitch, but the inaccurate entries stayed. Therefore, I kindly ask for a careful review of the documents I sent to ensure I dont have to worry about this again.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is regarding a late payment being reported on my credit report that is entirely inaccurate. My records and statements confirm that my payment was made on time, yet the furnisher has failed to correct the reporting error. This false entry is harming my credit standing and does not reflect my actual payment behavior.

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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent money XXXX XXXX through PayPal on XX/XX/XXXX. The recipient refunded the money to me on XX/XX/XXXX. 

I received an email from PayPal advising that the funds should be in my account by XX/XX/XXXX. I have called on XX/XX/XXXX, XXXX, XXXX, and XXXX because this money is not yet back in my account and they have been giving me the run around. And I should have already received my money by now but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I was reviewing my credit report and noticed inquiry and address that does not belong to me.

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 2025-08-11 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX 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 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 - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
XXXX'To Whom It May Concern,\n\n\nI am writing to formally dispute an inaccurate entry listed on my credit report regarding a bankruptcy allegedly filed on XXXX XXXX XXXXI contacted the Clerk of the Federal Bankruptcy Court in writing to verify this record. In their response, they explicitly stated that they do not verify bankruptcy filings for credit bureaus or creditors. As such, this entry cannot be independently verified through the original source.\nUnder the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report only accurate and verifiable information. Since this bankruptcy listing cannot be verified by the original sourcethe bankruptcy courtit is considered unverifiable and must be removed from my credit report.\n\nI request that you conduct an immediate investigation into this matter and remove the bankruptcy entry from my credit report. Please send me written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting any changes made.\n\n\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX  XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further XXXX the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
These credit lines are very predatory and impossible to pay off. I hit a spot of financial hardship and took out a line of credit with XXXX. Not only do they take money off the top whenever you barrow from the line of credit- they charge you biweekly in repayment and you can not even make a dent in what you owe. These are essentially payday loans with a new name. I have requested a lower settlement as I will never be able to pay this off, and they have denied me. I have asked for lower fees and still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation