vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
Dear Experian Dispute Department, I am writing to formally dispute inaccurate information appearing on my credit report. Specifically, my Experian credit file erroneously shows a bankruptcy status associated with a XXXX account, which also lists a charge-off. I unequivocally state there is no bankruptcy on my credit record on any credit bureau. 

I have previously initiated four disputes regarding this incorrect entry. Despite my repeated attempts to rectify this significant error, Experian has consistently reported that the information has been " verified, '' which is demonstrably false. 

To corroborate my claim, I have successfully disputed and had this identical inaccurate information removed from my credit reports with both XXXX XXXX XXXX I have previously provided, and can provide again upon request, documentation from these other credit bureaus confirming the removal of this erroneous bankruptcy status. 

Experian 's continued reporting of this inaccurate bankruptcy information constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies conduct a reasonable investigation of disputed information. Experian 's failure to recognize and correct this clear inaccuracy, especially when other major bureaus have already done so, indicates a failure to conduct a proper and reasonable investigation as required by law. 

This persistent inaccuracy is severely damaging my creditworthiness and is a direct result of Experian 's failure to comply with its obligations under the FCRA. 

I demand the immediate removal of all bankruptcy references and any associated charge-off status related to the XXXX account from my Experian credit report. Furthermore, I request that you provide me with an updated credit report reflecting this correction, along with confirmation of the steps taken to investigate and resolve this dispute. 

Should this matter not be resolved promptly and accurately, I will not hesitate to pursue all available legal remedies 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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
Creditor Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX File number : XXXX XXXX XXXX XXXX Case # XXXX I already made a payment in full. I keep calling this company to remove my case online. Or for them to update it. I paid in full in XXXX. Its XXXX  and they havent updated it online. And it still says online that my case is active even though i already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
XXXX XXXX I requested proof of the debt and that it be removed and I havent received any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX  Date : XX/XX/year>25 XXXX  XXXX  XXXX  Date : XX/XX/scrub>/25 XXXX XXXX XXXX Date : XXXX/XXXX/25

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 2025-07-21 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-21 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: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
Your Name : XXXX XXXX Complaint Against : Experian Complaint : I, XXXX XXXX, have filed multiple disputes with Experian regarding negative items that are inaccurate on my credit report. 

On prior calls, I was told that certain negative items were deleted. However, when I pulled my credit report afterward, those same negative items were still reporting.

The items in question are inaccurate and should have been permanently deleted under the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( 15 U.S.C. 1681i ) unverified or inaccurate items must be deleted.

Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) credit bureaus must ensure maximum possible accuracy.

It has been well over 30 days since my disputes, and Experian has failed to remove the inaccurate items despite their own confirmations. This is causing ongoing harm to my credit profile.

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 2025-07-21 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: FL

Complaint narrative:
In XXXX XXXX, I discovered numerous inaccurate and inconsistent accounts on my credit report. I immediately initiated direct disputes with Equifax and followed up with a formal Method of Verification ( MOV ) request [ cite : Equifax MOV Letter.pdf ]. Equifax 's initial responses to disputes were often problematic ( e.g., 'completed ' on a Sunday ) [ cite : Dispute ResultsXXXX XXXX  ]. 

In XXXX XXXX I filed an FTC Identity Theft Report due to evidence of compromised personal information from multiple data breaches, which I believe led to fraudulent accounts being opened [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ].

My persistent escalation through CFPB complaints ( e.g., ID XXXX XXXX XXXX XXXX  ) [ cite : XXXX XXXX  ] and contact with other agencies has exposed significant non-compliance. Most egregiously, Equifax sent official notices in early XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) stating multiple disputed accounts were 'NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ' [ cite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. However, my subsequent Equifax credit reports ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) demonstrably show these exact accounts ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) still present and actively reporting negatively [ cite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. This is a clear, documented misrepresentation of dispute outcomes, which is a direct violation of FCRA. 

Furthermore, Equifax 's online dispute portal selectively denies me the ability to download detailed results for some 'completed ' disputes, hindering transparency [ cite : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. This persistent pattern of misrepresentation and failure to conduct reasonable reinvestigations and assure accuracy has caused significant financial harm due to inability to grow credit and has required an extensive amount of my time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account prior to you tarnishing my credit report. Not only are you falsely reporting to credit bureau, but you are also misguiding as on the credit report it does not state a valid phone number or a valid address. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action. Please provide me with an updated credit report upon resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX which is a debt collection agency. They called my step father. Which he stated that he was my step father. They gave him the full details of my debt. They stated how much and where I got the loan from. They also have been calling and texting him the amount, the place I got the loan from, the reference number and how to pay. I contacted Spire recovery solutions and the agent XXXX who is handling my debt. She stated that someone new validated that it was me even though I am a female. My step father is a male. She said she would take the number off of the account as primary number, XXXX. The primary number on the account is supposed to be XXXX. I never put my step fathers number as a primary number. I never gave them permission to contact him or gave his number to them or make his number my primary number. I never gave them permission to discuss my debt with my step father. They are contacting him everyday and also calling me multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to formally dispute the reporting of a late payment associated with the following account on my Equifax credit file : Creditor Name : XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXX Date Opened : XX/XX/year> Balance : {$360000.00} This item has already been disputed previously, yet the inaccurate late payment mark remains on my credit report. I am requesting that Equifax conduct a full reinvestigation into this matter under the Fair Credit Reporting Act ( FCRA 611 ). 
If XXXXXX/XX/XXXXXXXX can not verify the accuracy of the late payment with proper documentation, this negative mark must be corrected from my credit file. The FCRA requires that all data reported by furnishers be accurate, complete, and verifiable. Continued reporting of an unverifiable derogatory entry constitutes non-compliance with federal law and causes unjust harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX XXXX XXXX, CA XXXX Address Law Issue : FCRA 1681e ( b ) and 1681i Consumer reporting agencies must ensure the accuracy and conduct timely reinvestigation of disputed information Story : This address has never been mine, and it has been erroneously tied to my profile. I recently applied for a business line of credit and was declined because of mismatched address history. This situation not only damaged my business credibility but also created suspicion regarding my true location. I respectfully request its permanent removal and a documented reinvestigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2900.00} Chargeoff * * Law Issue : Violates FCRA 1681s-2 for inaccurate reporting by the furnisher and 1681i requiring CRAs to investigate disputed entries Story : I dispute this charge-off account on the grounds that it does not reflect the most accurate and verifiable status. XXXX XXXX has not provided full validation of the account, nor have I received complete details outlining the debt and how the charge-off was determined. This entry has significantly lowered my credit score, resulting in high auto insurance premiums and a declined personal loan application. I request full reinvestigation and deletion if verification can not be substantiated. 

I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was in competition for a raise at my job and was denied due to my credit report. I checked my credit report and there is a lot of misinformation accounts almost XXXX addresses I have no association with along with spammed inquires and credit card accounts. I reached out to solve this issue with no help so far. None of the companies responded to any of my letters or phone attempts to talk with someone who could escalate the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was in competition for a raise at my job and was denied due to my credit report. I checked my credit report and there is a lot of misinformation accounts almost XXXX addresses I have no association with along with spammed inquires and credit card accounts. I reached out to solve this issue with no help so far. None of the companies responded to any of my letters or phone attempts to talk with someone who could escalate the situation.

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 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
When attempting to access the financing app AND website for Nissan Finance on XX/XX/year>, there was an incredible amount of difficulty logging into or accessing any loan payment information. After numerous attempts to make a payment on the required due date, I finally managed to access a page and process my transaction. However, even when making this payment, the account listed that there was no payment due of any kind on that specific due date, even though I had not published a payment yet. On XX/XX/year>, yet again the app to pay is inaccessible, and the website for the loan financing does not indicate a due payment amount. Additionally, all linked bank information on file has been removed, and any attempt to add the banking information back into the profile to make a payment is met with a prompt stating, " Your bank information has been added. '' In reality, it isn't added at all. The inability to pay the loan online has required myself and others who have made review complaints to have to pay over the phone, which places an additional fee to the payment, rather than a waived fee for online payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX and XXXX and I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-07-21 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-21 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I sent a letter to this company on XX/XX/XXXX requesting a copy of my original contract a copy of their license to collect a debt in Florida and a copy of my payment history they did not send information in over 30 days

Company response to consumer: Closed with non-monetary relief