vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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:
Your Name : XXXX XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX of Submission : XX/XX/XXXX Subject of Complaint : Incorrect reporting of discharged account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) Company Complained About : Experian Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Complaint Details : I am submitting this complaint against Experian for its continued inaccurate reporting of an account that was discharged in my XXXX XXXX XXXXankruptcy. 

The account in question : Creditor Name : XXXX Account Number : XXXX Credit Limit : {$12000.00} Status Being Reported : Discharged through Bankruptcy XXXX XXXXXXXX Late On Record Until : XX/XX/XXXX Despite being discharged, this account continues to appear on my credit report and is verified upon dispute without any documentation being provided. I have already submitted a formal dispute and supporting documentation to Experian, including my bankruptcy discharge. 

Experian is violating the following laws : 15 USC 1681b No permissible purpose to report a discharged debt 15 USC 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 15 USC 1681e ( b ) Reporting inaccurate information without ensuring maximum accuracy Requested Resolution : Immediate deletion of the inaccurate account from my credit file Written confirmation that Experian has corrected the error Investigation details and proof of verification, if applicable Attachments Provided : Dispute letter ( Notice of Intent to Sue ) Bankruptcy discharge documents Copy of current credit report showing the disputed item Proof of identity ( ID and SSN if required )

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 2025-05-28 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:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that you the credit reporting agencies Experian, TransUnion, and Equifax block the fraudulent information appearing on my consumer credit reports that is the result of identity theft and fraud, within XXXX business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following accounts that were not opened, made, or authorized by me : This fraudulent, inaccurate, and false information consists of the following accounts, which were not opened, made, or authorized by me : A personal account at XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) An XXXX loan account at XXXX XXXX opened on XX/XX/XXXX under account number ( private ) AXXXX XXXX  loan account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX  account at XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX account at XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under account number ( private ) A XXXX XXXX account at XXXX opened on XX/XX/XXXX under account number ( private ) A XXXX account at XXXX XXXXXXXX opened on XX/XX/XXXX under account number ( private ) AXXXX XXXX loan account at XXXX opened on XX/XX/XXXX under account number ( private ) XXXX XXXX XXXX account at XXXX XXXXXXXX opened on XX/XX/XXXX under account number ( private ) These fraudulent accounts have also resulted in multiple unauthorized hard inquiries on my credit report. The following inquiries are not mine and are related to the fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize any of the aforementioned accounts or inquiries. I did not authorize or initiate these accounts, collections, or inquiriesthey are the result of identity theft and fraud. 

As required by FCRA XXXX, I request that TransUnion XXXX  these items from my credit report within XXXX business days. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Case # [ insert case number ] ) A copy of my consumer credit report showing the fraudulent accounts and inquiries A list of the fraudulent hard inquiries A copy of my government-issued ID and proof of address I request that TransUnion investigate and XXXX the above-referenced fraudulent information from my credit file immediately.

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 2025-05-28 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: NY

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. 

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 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 non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
This letter serves as formal notice that I am initiating legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCRAA ). A filed copy of the Complaint is enclosed and requires your immediate attention.

Despite repeated notices and requests for reinvestigation under 15 U.S.C. 1681i and California Civil Code 1785.16, your agency has failed to comply, continuing to report inaccurate and unverified information that has harmed my credit.

Therefore, I demand the following : Immediate removal of the above fraudulent accounts from my credit report ; A detailed explanation of your reinvestigation process, including supporting documentation used to verify the debt ; Cessation of reporting any unverifiable or inaccurate information going forward. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
Subject : Complaint Against XXXX XXXX XXXX, XXXX XXXX, and Citibank for Harassment and Abusive Debt Collection Practices Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX XXXX, and Citibank for engaging in harassing and abusive debt collection practices. These actions have caused me significant emotional distress and potential financial harm. 

Since about 2020 I have been subjected to incessant phone calls from XXXX XXXX XXXX, XXXX XXXX, and Citibank regarding an alleged debt. These calls occur at unreasonable hours and frequencies, despite my repeated requests for them to cease. The callers are often aggressive and fail to provide adequate documentation of the debt. 

Recently, XXXX XXXX XXXX, XXXX XXXX, and Citibank escalated their tactics by filing a lawsuit against me. To my shock and dismay, a sheriff 's deputy arrived at my home, allegedly to serve a notice left on my front door for all to see related to this debt. This action was not only intimidating but also portrayed me as a criminal in front of my neighbors, causing significant embarrassment and emotional distress. 

I believe that XXXX XXXX XXXX, XXXX XXXX, and Citibank are in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Their actions constitute harassment, misrepresentation, and unfair debt collection practices. 

I am seeking the CFPB 's assistance in investigating these companies and taking appropriate action to prevent them from continuing these abusive practices. I am also seeking compensation for the emotional distress and potential financial harm I have suffered as a result of their actions. 

I am available to provide any additional information or documentation needed to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2025-05-28 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: MS

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete the unauthorized information. Enclosed are a list of disputed items and my Identity Theft Report filed with the FTC.

Please investigate and confirm in writing once the corrections are made. Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
This loan was inaccurately reported to the credit bureau and put on my credit report without following the due process of law. After the pandemic, the federal government paused the loan collecting process. However, XXXX ignored the federal judges ruling, and initiated the collection and reporting to the credit bureaus. The initiation of the loan collection was supposed to start on XX/XX/XXXX. But the XXXX XXXX started reporting erroneously to the credit bureaus earlier than the governments mandated collection date of XX/XX/XXXX. The fact remains that the borrower was not made aware of these loans accounts, ignoring the due process of law. Again, further violating the XXXX XXXX Rights and Privacy Act of XXXX. There is disastrous and derogatory credit worthiness which could lead to the impairment of possible opportunities in further employment, contractual work, and ultimately a XXXX XXXX XXXX XXXX 

Please remove these accounts from my credit report, XXXX XXXX credit bureaus.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This loan was inaccurately reported to the credit bureau and put on my credit report without following the due process of law. After the pandemic, the federal government paused the loan collecting process. However, XXXX ignored the federal judges ruling, and initiated the collection and reporting to the credit bureaus. The initiation of the loan collection was supposed to start on XX/XX/XXXX. But the XXXX XXXX  started reporting erroneously to the credit bureaus earlier than the governments mandated collection date of XX/XX/XXXX. The fact remains that the borrower was not made aware of these loans accounts, ignoring the due process of law. Again, further violating the XXXX XXXX Rights and Privacy Act of XXXX. There is disastrous and derogatory credit worthiness which could lead to the impairment of possible opportunities in further employment, contractual work, and ultimately a XXXX XXXX XXXX XXXX 

Please remove these accounts from my credit report, XXXX XXXX credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
This loan was inaccurately reported to the credit bureau and put on my credit report without following the due process of law. After the pandemic, the federal government paused the loan collecting process. However, XXXX ignored the federal judges ruling, and initiated the collection and reporting to the credit bureaus. The initiation of the loan collection was supposed to start on XX/XX/XXXX. But the XXXX XXXX started reporting erroneously to the credit bureaus earlier than the governments mandated collection date of XX/XX/XXXX. The fact remains that the borrower was not made aware of these loans accounts, ignoring the due process of law. Again, further violating the XXXX XXXX Rights and Privacy Act of XXXX. There is disastrous and derogatory credit worthiness which could lead to the impairment of possible opportunities in further employment, contractual work, and ultimately a XXXX XXXX XXXX XXXX 

Please remove these accounts from my credit report, XXXX XXXX credit bureaus.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Information appears on my credit reports that is inaccurate. The inaccurate information is the account XXXX XXXX XXXX. It appears that this company has reported conflicting information to the bureaus. The FCRA states that my credit report should be 100 % accurate in which it is not. The clear discrepancy are late payments that are not accurate. Transunion is reporting that I had 30 day late payments in XXXX, XXXX, and XXXX of XXXX, and another 30 day late payment in XXXX of XXXX and in XXXX of XXXX, while Equifax is reporting 60 day late payments in XXXX, XXXX, and XXXX of XXXX and in a 60 day late payment XX/XX/XXXX. Experian is reporting 30 day late payments in XXXX of XXXX and XXXX of XXXX as well as 30 day late payments in XXXX, XXXX, and XXXX of XXXX. This clearly shows an inaccuracy that must be corrected or removed per FCRA standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: NC

Complaint narrative:
I am formally requesting full validation of the student loan accounts they continue to report under my name to the credit bureaus. 

I never signed a contractual agreement with MOHELA, nor did I authorize the transfer of any student loan accounts to your organization. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), they are required to validate any debt they report. Please have them provide the following documentation : XXXX. A copy of the original promissory note or signed agreement bearing my signature. 
XXXX. A copy of the legal assignment or transfer from the original creditors to MOHELA. 
XXXX. A complete payment history and itemized balance breakdown. 

If they can not produce the above within 30 days, please have them remove any reference to this debt from all credit bureaus and cease all reporting activities. I am also notifying the credit reporting agencies of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 2025-05-28 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 sending this complaint to request immediate correction of the erroneous status of my account, which has been neglected despite my previous communications. To date, I have not received any response, and the inaccurate information continues to appear on my reports. 
XXXX XXXX XXXX * * * * Balance : {$470.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX * * * * BALANCE {$21000.00} XXXX XXXX XXXX XX/XX/year> 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 2025-05-28 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: OH

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 non-monetary relief