vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CT

Complaint narrative:
I am formally disputing the accuracy, completeness, and verification of the following accounts currently appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], I have the right to dispute any item I believe to be inaccurate, incomplete, or unverifiable. I request a reinvestigation of the accounts listed below and a written response reflecting the results of your investigation. 

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XXXX XXXX XXXX XXXX XXXX  If any of these accounts can not be fully verified, or if they are found to be inaccurate, outdated, or duplicated, they must be corrected or removed in compliance with the FCRA. I also request a complete explanation of your findings and confirmation of any corrections made to my credit file.

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 2025-09-30 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:
Equifax has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate accounts and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which Equifax has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: SC

Complaint narrative:
Category : Credit reporting Problem with statement of dispute or investigation Company : Experian Information Solutions , Inc . 

What happened : I submitted a written dispute to Experian on XX/XX/year> via XXXX XXXX Mail ( tracking and delivery receipt attached ). Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), Experian is required to investigate my dispute and provide written results within 30 days. 

It has now been over 30 days, and Experian has failed to provide me with the required written investigation results. Instead, I received a stall email in XX/XX/year> stating they were unable to honor my request, without completing the investigation or providing results. 

This violates the following FCRA requirements : 1. Failure to Investigate ( 611 ( a ) ( 1 ) ( A ) ) No investigation results were provided within the statutory timeframe.

2. Failure to Provide Notice of Frivolous Dispute ( 611 ( a ) ( 3 ) ) If Experian believed my dispute was frivolous, they were required to notify me within 5 business days, not weeks later.

3. Failure to Provide Results ( 611 ( a ) ( 6 ) ) Experian is required to provide me with written results of the investigation. 



Supporting evidence : XXXX XXXX Mail Receipt ( XX/XX/year> ) XXXX Delivery Confirmation showing Experian received my dispute Copy of Experians XX/XX/year> email refusing to process my dispute Requested Resolution : I request that the CFPB require Experian to : Complete the investigation of my dispute ( s ) immediately ; Provide me with the full results and method of verification for each disputed account ; Remove or correct any accounts that can not be verified within the statutory period. 


Additionally, I request the CFPB investigate Experians repeated use of stall tactics and failure to comply with the 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 2025-09-30 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: MO

Complaint narrative:
I am disputing the reporting of a hard inquiry that has been incorrectly placed on my credit file. At no point did I authorize or apply for credit with the entity responsible for this inquiry. Its presence is not only inaccurate but also negatively impacts my creditworthiness..

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 2025-09-30 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: CA

Complaint narrative:
I checked my credit report and I found error on my information that I need this removed from the credit report. I reported an issue to all 3 credit bureaus and no reply back and there has been a Data Breach with Trans Union and Equifax and I also have a PIN with the IRS do to they stolen my identity. Please help me resolve this matter. 

Hard Inquiries : 2 accounts 1. XXXX XXXX  Inquiry XX/XX/XXXX NOT MINE 2. XXXX XXXX Inquiry XX/XX/XXXX NOT MINE Collections 2 accounts XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$1600.00} XXXX XXXX Reported XX/XX/XXXX {$1300.00}

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 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDICO. INC
State: SD

Complaint narrative:
There was an agreement to make payments to credit collections from XX/XX/XXXX of payment for XXXX starting XXXX XXXX being last payment XX/XX/XXXX they took payments out of my account but XXXX month they took payment back so I paid a payment of XXXX in XX/XX/XXXX to make out the payment they didn't take out in XXXX. The agreement was to end on XX/XX/XXXX. Then they recently contacted me wanting more money on XX/XX/XXXX I receive paperwork saying I need to pay more. I refuse to pay do to their error of calculations. When they figured out payments they told me the amount of XXXX until XXXX XXXX they admitted that was agreement. They are still trying to make me pay more. I don't think I should have to pay extra for their mess up. I enclosed a proof or the phone conversation saying the date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 victim of identity theft. Someone has used my personal information to get a car loan. Ive never gave anyone permission or authorization to open this account without my permission or consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was taken to court by JP MorGan Chase NA for the XXXX accounts below. Their claim against me was dismissed in court XX/XX/year>, after nearly a year of litigation. JP Morgan Chase Bank NA never substantiated their claim against me. These XXXX accounts are still negatively reporting on my credit reports as " late '' and unpaid. Please have them removed.

JP Morgan Chase Bank NA XXXX : {$8000.00} and JP Morgan Chase Bank XXXX XXXX : {$7200.00} JP Morgan Chase Bank NA was represented by : XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: NC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Lendmark Financial Ser XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Dear Lendmark XXXX I am writing in response to your collection activities regarding the account referenced above. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

I dispute this alleged debt in its entirety and request that you provide the following information to validate it : 1. The name and address of the original creditor.

2. A copy of the original signed agreement or contract creating the debt.

3. A detailed statement of the amount you claim is owed, including how it was calculated ( principal, interest, fees ).

4. Proof that you have the legal right to collect on this debt.

Until you provide proper validation of the alleged debt, you must cease all collection activities and not report ( or must remove any existing reporting of ) this debt to the credit reporting agencies, as required by the FDCPA. 

Please send your response to the address listed above. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
In response to a request for payment, I submitted a debt validation/ verification request under the FDCPA for the alleged debt. In response, the creditor and the collector confirms that the account is under audit, yet the collector continues to present the account as collectible by listing a balance and payment options in that same letter. This is a false and misleading representation of a debt : 1692e ( 2 ) ( A ), an attempt to collect an amount not validated or authorized:1692f ( 1 ), and continuing collection activity despite an active dispute:1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and data furnisher. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ).

Their refusal to comply continues to cause harm to my creditworthin
ess and financial well-being.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
While attending XXXX  XXXX XXXX, loans were distributed without my consent or request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im a victim of identity theft and they won't block it from my file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
I opened this credit card account in XX/XX/XXXX and have always paid my bill on time. Despite this, the company reported a late payment in XX/XX/XXXX. This is inaccurate, as I made the payment on time. 

I disputed this with the company and with the credit bureaus, but the late payment remains on my credit reports with XXXX, Experian, and XXXX. The company has not provided sufficient proof that the payment was actually late. 

This false reporting is negatively affecting my credit score and history. I am requesting that the XX/XX/XXXX late payment be removed from all three credit bureaus and that my payment history be corrected to reflect on-time payments.

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 2025-09-30 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: FL

Complaint narrative:
I opened this credit card account in XX/XX/XXXX and have always paid my bill on time. Despite this, the company reported a late payment in XX/XX/XXXX. This is inaccurate, as I made the payment on time. 

I disputed this with the company and with the credit bureaus, but the late payment remains on my credit reports with Equifax, Experian, and TransUnion. The company has not provided sufficient proof that the payment was actually late. 

This false reporting is negatively affecting my credit score and history. I am requesting that the XX/XX/XXXX late payment be removed from all three credit bureaus and that my payment history be corrected to reflect on-time payments.

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 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
I am again disputing the above-referenced collection account, which is being reported on my credit file. 
This debt is not mine. Despite my prior dispute on XX/XX/year>, the item has been reported back as verified, yet no supporting documentation proving that I am responsible for this debt has been provided to me. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must conduct a reasonable reinvestigation whenever a consumer disputes information and delete any information that can not be verified ( 1681i ( a ) ( 5 ) ( A ) ).

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) requires that, once a debt is disputed in writing, the debt collector must cease collection efforts and provide proper validationincluding a copy of the original signed contract or other documentation that proves I am legally obligated for this debt.

Your verification to date has not included : 1.A copy of the original contract or application bearing my signature ; 2.A full payment history showing how the alleged balance was calculated ; or 3.Proof of assignment or transfer of the debt to the current collection agency.

Absent such evidence, continuing to report this account is a violation of FCRA 1681i ( a ) ( 5 ) ( A ) and FDCPA 1692e ( 8 ), which prohibits communicating or threatening to communicate false credit information.

I hereby demand : A full description of the procedures used to verify this account under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ; and Immediate deletion of the collection account from my credit file unless full, documented proof of my liability can be provided.

Please respond within XXXX days of receiving this letter as required by law. If you continue reporting this unverifiable collection, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and consider further legal action. 

Thank you for your prompt attention. 

Sincerely, 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 2025-09-30 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v.s Gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX BALANCE {$1500.00}

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 2025-09-30 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v.s Gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( please remove this account before I seek Litigation for defamation of character ) XXXX XXXX XXXX BALANCE {$1500.00}

Company response to consumer: Closed with explanation