vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am filing a complaint against XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and the two credit bureaus for failing to accurately report and verify my account information.

The account remains listed as Charged Off even after being closed or sold, violating FCRA 611 and 623 ( a ) ( 1 ) ( A ).

The bureaus failed to conduct a reasonable reinvestigation and to ensure completeness and accuracy as required by 607 ( b ).

I am requesting CFPB intervention to require correction or deletion of this tradeline and full compliance with Metro 2 reporting standards.

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 2025-11-12 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:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Inquiry Disputes : XXXX XXXX XXXX XX/XX/year>

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

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 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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C.
State: MN

Complaint narrative:
I was contacted by Gurstel Law about a debt from XXXX. I was a XXXX  in XXXX  therefore the debt can't be mine. The validation sent to me was for complete different years and dates. Their contact letter is almost a legal document due to the nature of if I hadn't responded they could have entered a default judgement against me. I believe they send out wrongly represented debt letters in hopes of getting unexpected people to not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-12 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have been receiving my bill from Kohl 's with no problems. I made a purchase in XXXX and was waiting for the bill arrive. In the meantime, my husband and I are trying to secure a mortgage for a new home. I was told by the mortgage broker that I have a delinquent on my credit report which is lowering my score from Ko/hl 's ( Capital One ). I called and was told that they had sent to an address that I haven't lived at for the past 8 years. I asked them how that could happen as I had changed it when I moved and also when I got married. They were able to fix the name and address and when I asked if they could take my so-called late payment off the delinquent list, they told me that they were unable to do so. The gentle man that I talked to was rude and kept telling me that this was a warning and I kept asking about the credit report that he would not be able to talk with me. I politely hung up the phone so I wouldn't get into an argument with him. All I am trying to do is take the delinquent off my report, so my score won't be so bad. Could you please help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Amex conducted a financial review despite no changes in my spending behavior. My card is paid in full each month. Despite this, they locked my cards down and required a XXXX tax return transcript. I completed their document and the required revisions. This was submitted to the IRS, and a few days later, I called them to inform me that the IRS had rejected their attempt and that I'd need to complete this process myself. They also informed me of a new XX/XX/XXXX deadline instead of XX/XX/XXXX. However, on XX/XX/XXXX they cancelled my cards and told me it was because of an income discrepancy. I told them my income has doubled in the last year as my career has advanced. However, they never got documents to even show this income. They cancelled it for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am a consumer working to resolve inaccuracies on my credit report. I am submitting this dispute to bring attention to multiple accounts that have been inaccurately reported by the credit bureaus. Below is a detailed list of the disputed accounts across the three bureaus, and I kindly request an investigation into these matters.

CHARGE OFF : XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$230.00} Reason for Dispute : The account is reported as charged-off. I dispute the accuracy of this reporting and request verification of the accounts status. 

XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$160.00} Reason for Dispute : This account has been reported with inaccurate details. I request an investigation to ensure the account is reported correctly. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$590.00} Reason for Dispute : I believe this account is inaccurately reported and request a thorough investigation into its status. 

XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$2700.00} Reason for Dispute : This accounts reporting as a charged-off account is disputed. I request a detailed investigation into the accuracy of the information reported.

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 2025-11-12 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX  / XXXX  / TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : === CHARGE OFF === TU : 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 === INQ === TU : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect 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 2025-11-12 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 filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am submitting this dispute regarding the inaccurate inquiry on my credit report. Below is the information related to the inquiry that I would like to bring to your attention. I request that you review this issue and take the necessary action to ensure the accuracy of my credit report. 

Equifax ( XXXX ) : Inquiry : XXXX  Date of Inquiry : XX/XX/year> Dispute Reason : Inaccurate or unauthorized inquiry. 

Please investigate this matter and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
I need to be removed from my IDR plan through Mohela so that I can set up Auto Pay for my student loan payment. The auto payment I am trying to set up is greater than the monthly amount due. The goal is to pay down the principal so I can pay it off sooner. I can not make any changes online and was instructed to contact them. When calling I was passed around to several representatives and on hold for over 3 hours. It feels like they don't want me to make additional payments so they can continue to tack on interest. This is the worst experience ever!

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Experian credit report : Charged-Off Accounts : XXXX, XXXX, XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX XXXX XXXX, Balance : {$280.00} Inquiry Disputes :

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 2025-11-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was an authorized user on a Capital One credit card that is currently reporting as maxed out. I have already been removed from this account by the primary cardholder, and Capital One has confirmed this directly.

Since I am no longer financially associated with this account, I am requesting that XXXX  delete the entire tradeline from my credit file under the Fair Credit Reporting Act 611 ( 15 U.S.C. 1681i ) as it is inaccurate and no longer applicable to me.

Please investigate and confirm deletion of this account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I

am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2025-11-12 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:
Dear Sir/Madam, I am a consumer attempting to correct inaccuracies on my credit report. Below is a summary of the accounts that I am disputing across the three credit bureaus. These accounts are incorrectly reported, and I am requesting that they be thoroughly investigated, corrected, and updated as necessary to ensure compliance with credit reporting laws. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$240.00} XXXX, XXXX, XX/XX/XXXX, {$450.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$2900.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX, XXXX, XX/XX/XXXX, {$7000.00} XXXX, XXXX, XX/XX/XXXX, {$14000.00} XXXX, XXXX, XX/XX/XXXX, {$14000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT 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 2025-11-12 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: VA

Complaint narrative:
The following accounts reported by TransUnion are inaccurate, and I request an investigation and correction : CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$2800.00} XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1700.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX {$27000.00} XXXX XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-12 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:
I am writing to formally request the removal of several unauthorized and fraudulent inquiries that appear on my credit report. I recently obtained copies of my credit reports and discovered multiple credit inquiries that I did not authorize or initiate. These inquiries were made without my knowledge or consent and are the result of identity theft or fraud.

Please conduct an investigation into these inquiries and remove them from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and authorized information be reported. 

XXXX XXXX XXXX XXXX Automobile Financing Company Individual XXXX XXXX XXXX XXXX XXXX Auto Dealers , Used Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Financing Company Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used Individual XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing Individual XXXX XXXX XXXX XXXX4

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