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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has an incorrect account from XXXX XXXX  on my credit report. The XXXX credit card was never used by me prior to the bank closing the card themselves with a {$0.00} balance. They are falsely reporting a balance due and unpaid for an account that was never used to make any purchase ever

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 was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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: AR

Complaint narrative:
Experian failed to conduct a reasonable investigation into the XXXX XXXX XXXX collection account, which has a balance of {$1100.00}. 
The account is illegally re-aged, citing an FCRA violation. Experian 's report shows the account is " On record until XX/XX/year>. '' This date is impossible, as I had active service with a new provider on XX/XX/year>. I provided documentation proving the incorrect timeline during the dispute process. 
Additionally, Experian is reporting XXXX conflicting addresses for this XXXX collector ( XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) on my file, proving the data is fundamentally flawed and unreliable. 
Experian closed the dispute, accepting the collector 's re-verification despite the clear, documented evidence of illegal re-aging and the multiple address inaccuracy. I demand Experian reopen the investigation and permanently DELETE the 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: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: OK

Complaint narrative:
XX/XX/year> I received a voicemail from XXXX XXXX name of business. In the voicemail he states he is calling about a claim and that he has been instructed to call my place of employment and that if no contact is made I would be located. Immediately after this call he proceeded to call my mother asking for my location stating i have a lawsuit pending and that I'm being taken to court. I then called XXXX back after verifying my information he proceeded to tell me he is verification XXXX and not a debt collector and that if this debt owed to ACIMA wasn't paid I would then be taken to court and my credit would be red flagged making it impossible to ever buy a home or car. I WAS CRYING at this point and didn't understand so I paid {$170.00} over the phone and sat up weekly payments scared to go court and trying everything to avoid court.. 

XX/XX/year> Once my nerves calmed down I started researching the {$170.00} charged by XXXX  XXXX. Immediately scam articles came up about XXXX XXXX  charges for acima. I then searched the XXXX area code number and nothing was found. I called XXXX and asked him if he could be provide me anything stating I owe this money just anything from his business so I know this is legit. He refused to send anything and again advised he wasn't collections but a verification XXXX .. Me thinking I was scammed I then disputed this charge with my bank and the payment was returned. 

XX/XX/year> I called XXXX again and spoke with an XXXX who said the office name was XXXX. I explained to XXXX I was really concerned about being scammed and again asked for something just anything to please be emailed to me from her office. Again I was denied. I called Acima to speak with someone regarding this and was told that Collections Attorney XXXX is handling this and that XXXX isn't. My mom and I are being harassed for a debt that's XXXX years old and by an office I feel is a SCAM. What is going on!?

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: TX

Complaint narrative:
I am filing this complaint because a previously deleted account was illegally reinserted on my credit report without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The credit bureau removed this account after a prior dispute, but later placed it back on my report without providing any written notification within XXXX business days as required by federal law. I did not receive any explanation, verification, or evidence supporting the reinsertion of this account. 
This unauthorized reinsertion is causing ongoing harm to my credit profile and financial opportunities. I am requesting : Immediate removal of the reinserted account.

A full investigation into why the bureau failed to follow FCRA 605 ( b ) reinsertion procedures. 
Written documentation of how the account was allegedly verified for reinsertion.

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: FL

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
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: Upstart Holdings, Inc.
State: TN

Complaint narrative:
To Whom It May Concern, I am filing this complaint because my credit reports still contain inaccurate personal information and several accounts that are either outdated, reported incorrectly, or not verified properly. I have already tried multiple times to get these issues corrected directly with the credit bureaus and the companies reporting the accounts, but nothing has been fixed. This is now my XXXX  request, and the ongoing errors have caused me a great deal of stress and frustration. I am asking for your help in finally getting these matters resolved. 
My correct personal information is : Full Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Current Employer : XXXX Primary Phone : XXXX Old or incorrect names, addresses, phone numbers, and employer information are still appearing on my credit reports. These outdated details need to be removed because they are causing confusion and may be linking the wrong accounts to my file. 
In addition to the personal information issues, I am also disputing the following accounts that I believe are being reported inaccurately or without proper verification : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o This account went to court and was dismissed, yet it continues to be reported. 
Upstart / XXXX XXXX o This account is closed, but the balance keeps increasing, which is not accurate. 
XXXX XXXX XXXX  XXXX XXXX Some of these accounts show incorrect balances, some appear to have been sold or transferred without updates to my file, and others continue to report even though they should no longer be active. Each time I dispute them, I receive the same automated responses without any clear explanation or verification. 
I am requesting the following : XXXX. Correct my personal information and remove any outdated or inaccurate details. 
XXXX. Require the companies reporting these accounts to properly verify them. 
XXXX. Remove any accounts or information that can not be fully verified or is being reported incorrectly. 
XXXX. Provide a clear explanation of how these accounts were verified and by whom. 
This process has been extremely stressful and time-consuming, and I am asking for your assistance in ensuring that my credit file is accurate and compliant with federal law. 
Thank you for your attention to this matter.

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: SC

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
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: UT

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 : No accounts to dispute listed for TransUnion Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> XXXXXXXX Date of Inquiry : XX/XX/year> Late Payment Accounts : XXXX Card Account Number : XXXX I believe these entries are incorrect and request that they be investigated and removed from my credit report if found to 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to file a dispute regarding the inaccurate information reported by the credit bureaus concerning my credit accounts. Below is a list of accounts that I believe have been inaccurately reported, separated by each credit bureau : Charged Off Accounts : XXXXXXXX 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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXXXXXX XXXX XXXX XXXX XXXX - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Georgia XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known XXXX-XXXX  data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In XXXX XXXX my mother in law used her back account on my capital one account to pay off my balance which showed on my account as paid on XX/XX/year>. Capital one accepted payment and then restricted my account. Called in for the restriction and they requested to speak with her bank. With my mother in law on the phone we called her bank which informed us that they will not give out any information over the phone. Captial one then requested a bank statement for her account and my account ( the same account I have been using for years to pay my credit card account ). Submitted the statements and the account remained restricted. Got a letter in the mail dated XX/XX/year> that said the account would be closed in XXXX  days if I did not call the fraud department. Called in today ( XX/XX/year> ) and they told me that the statement for my mother in laws account that I sent in was invalid because it was past XXXX  days old. I informed capital one that I will not bother my mother in law and waste her time to get new documentation and that I will just close my account. I requested my remaining rewards ( {$40.00} ) and was told that that was not possible because my account was restricted and the only way to get my rewards was to submit the bank statement. I explained that the rewards had nothing to do with the statement or the payment ( I earned the rewards before any of that took place ) and they said there is nothing they can do about it. I was told that after closing my account I would have XXXX  days to redeem my rewards, but I still cant redeem them until I submit the bank account statement from my mother in laws account. My personal concern is that capital one if refusing to give me my rewards that I am owed ( in my opinion this is theft ). My XXXX  concern is that if capital one really thought that the payment from my mother in laws account was fraud, then why did they accept the payment of {$3500.00}? If the transaction was suspicious, it should have been declined and never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I got new home insurance with XXXX XXXX XXXX XXXX and they canceled me XXXX XXXX due to back deck and roof. I completely removed deck and fixed roof sent photos and receipts showing what work was done as told but XXXX XXXX but they still canceled my policy. Mr. Cooper went ahead and found insurance on their own which was through XXXX  until I found my own insurance through XXXX XXXX insurance in XXXX. Called Mr. Cooper and let them know I purchased new home owners insurance they received everything and in the midst of all this the XXXX  was never canceled which made my house note almost double per month. I paid what I could not knowing I was paying for 2 home insurances for almost XXXX. It got to the point where foreclosure is in process with no sale date yet. I did put house up for sale its been on the market for about 16 days now I am selling. I also got a check from XXXX XXXX that canceled my policy and put it towards mortgage. Everytime I would call into Mr. Cooper trying to see why escrow kept going up no one would give me an answer which was bc I was paying for 2 home insurances it took my realtor to figure it out when she put the house up for sale so now I'm behind on payments that I couldn't afford due to having 2 insurances on my home ( XXXX  and XXXX XXXX XXXX  )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
Near the end of my 2 year lease with Nissan I was told to contact an inspection company to check the vehicle prior to returning it at the end of the lease. I called the company which gave me an inspection date 2 weeks after the vehicle was due to be returned. I pleaded with them to give me a date before I returned it, but was told that if I couldn't have the vehicle at my home, they could do the inspection at the dealership when I returned it. I was instructed to keep the appointment, which I did and when I returned the vehicle I alerted the dealership that the inspection was going to take place there. 

Approximately 3 days after I returned the vehicle, I was notified that my inspection appointment was cancelled. I subsequently receive a bill for damages to the car. 

The car was in the garage the entire leased term unless I was driving it. I never took it out of town because of the low battery life and I put just XXXX miles on the odometer. I have presented photos of the car showing no damage whatsoever in addition to the dealership employees that have seen the car and saw no damage. 

A formal dispute has been made on XX/XX/year> to this email address : XXXX Thank you

Company response to consumer: Closed with explanation