vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-08-07 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 am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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 writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-07 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:
This account has already been disputed previously, and the furnisher has failed to provide verifiable, complete, and accurate information I am filing this complaint as a follow-up to a prior CFPB complaint that was closed without resolution, despite the fact that the furnisher ( XXXX, XXXX ) has failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) .Violations and Issues : XXXX reported an alleged debt to Experian, Equifax XXXX and XXXX  on XX/XX/XXXX XXXX but did not officially charge off the account until XX/XX/XXXX from the original creditor XXXXXXXX XXXX per the balance ledger that I received from XXXX This is a direct violation of FCRA 623 ( a ) ( 5 ) for reporting an inaccurate charge-off date and past-due status. The lease agreement provided by XXXX lists a term of XX/XX/XXXX XX/XX/XXXX which is incorrect lease term that was provided while my actual lease term was XXXX a balance ledger containing duplicate charges conflicting credits and misapplied security deposits and erroneous reletting fee charge {$1700.00} they are attempting to collect on an account without a valid contractual basis. Despite multiple disputes, XXXX has failed to provide a lawful Method of Verification as required by FCRA 611 ( a ) ( 7 ). XXXX is furnishing false and incomplete information to consumer reporting agencies, knowingly providing inaccurate balances, incorrect lease dates, and falsified account statuses .As a result of XXXX willful violations and the original creditors failure to maintain accurate records, I have been denied housing applications and have suffered financial harm due to this false reporting. they do not have a valid contract that reflects my actual lease period that is a violation of FDCPA 809 ( b ) they are attempting to collect using false representation of the legal contract re-aging account or using wrong contract terms is illegal furnishing of false data to CRAs AND EACH BUREAU FAILED to ensure the information that was being furnished is accurately being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This is a formal follow up complaint serves as my fourth formal notice to dispute and demand the removal of unauthorized items on my credit report. Despite previous disputes and requests for reinvestigation, these items remain unresolved.

Under FCRA 619 ( 15 U.S.C. 1681q ), it is a federal offense for any person or entity to knowingly and willfully obtain a consumer report under false pretenses. I believe the items listed below were accessed or reported without my knowledge, consent, or legal justification and may constitute violations of this law. 
Items to Be Removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-08-07 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 writing pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) to formally request the removal of certain information from my credit file that I believe is the result of identity theft. I did not authorize or open the items listed below, and I have no knowledge of them. In accordance with my rights under the FCRA 605B, I am requesting that these fraudulent items be removed from my credit report : XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$680.00} XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-08-07 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
My mortgage company, Rocket Mortgage, had an appraisal done on our home in XX/XX/year> when we were trying to refinance. The appraisal proved we should not be paying PMI on our loan and I requested they remove it. They then claimed to not be able to locate the appraisal they had done, and all of a sudden the documents for our refinance were no longer available for our reviewing on the account. I called and spoke with someone who found the appraisal. He advised he would send it to me and submit it up for review. I never got the appraisal and they still have yet to remove the PMI from our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Formal Dispute and Demand for Deletion of Inaccurately Reported Debt Portfolio Recovery Associates Dear Experian, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) regarding a tradeline appearing on my credit report, allegedly furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), concerning a debt originally issued by XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX. with account number ending in XXXX. 

I previously requested full validation of this account directly from XXXX XXXX XXXX via a Consumer Financial Protection Bureau ( CFPB ) complaint. In response, XXXX failed to provide any of the required account-level documentation, including : A copy of the original signed credit agreement or application; A contract of assignment or bill of sale connecting my alleged account to XXXX ; A full itemization of the debt including charges, fees, and payments ; Any valid proof of legal ownership of the alleged debt. 

Despite this failure, XXXX continues to report this account to the credit bureaus. This constitutes inaccurate and incomplete reporting under 15 U.S.C. 1681s-2 ( b ), which prohibits a furnisher from reporting data that it can not verify with documentation.

Legal Basis Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires you to reinvestigate and delete any item that can not be verified.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) requires deletion if the furnisher fails to verify after notice of dispute.

15 U.S.C. 1681e ( b ) requires that all items in a consumer report be maximum possible accurate.

Legal Argument : Courts have held that a debt buyer must provide documented proof that it owns the specific debt, not just a generic bill of sale. See : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Further, under 15 U.S.C. 1681n and 1681o, you may be held civilly liable for willful or negligent failure to comply with these provisions, including the failure to delete unverifiable accounts. 

Action Requested Because XXXX XXXX XXXX failed to provide validation, you now have an independent legal obligation to : Obtain account-level documentation from the furnisher verifying : Proof of ownership ; Signed contract ; Contract of Assignment ; Itemization of balance. 

If XXXX fails to provide this to you, you must delete the tradeline from my report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to do so after receiving this formal dispute will be viewed as willful noncompliance, and I will pursue all available legal remedies, including complaints with the CFPB, FTC, and a lawsuit seeking actual, statutory, and punitive damages.

Please complete your investigation and send me a written response within 30 days as required by law.

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 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I never received a contract from Toyota Financial Services and I am reporting this Person for securities fraud, banking fraud, money laundering, illegal racketeering, contructive fraud and identity theft. All responses from the Toyota Services Entity involving complaints against it will be exhibits which will be used in Court. Toyota Financial Services never issued a judicial warrant signed by a judge and notarized by a witness and notary to illegally have my property searched and seized, why? Because Toyota Financial Services knows that lawfully it never had Standing because to begin with due to lack of consideration. Toyota Financial Services can not produce an original document with my signature and are uttering counterfeit documents when a notary can not notarize copies of an original document. Only original documents can be notarized otherwise the notary is liable under penalty of perjury. Therefore Toyota Financial Services accusations are null and void when it admitted that it had no first hand knowledge of a contract being executed. Toyota Financial Services continue to sells copies a counterfeit documents to cause further financial harm and damage to me which includes using illegal joinder without full disclosure, without my knowledge or consent to steal from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: WI

Complaint narrative:
As a direct result of multiple recent data breaches including Equifax, XXXX, and XXXX others, my personal identifiable information was compromised which has resulted in the theft of my identity. This led to the appearance of unknown personal information ( addresses, names, jobs, etc. ), unauthorized accounts, unfamiliar credit inquiries, and inaccurate delinquent payment entries on my credit report. I am formally requesting a comprehensive reinvestigation into these accounts, inquiries, and personal information with the enforcement of my consumer rights as specified under the Fair Credit Reporting Act SECTION XXXX ( XXXX XXXX XXXXXXXX ). I ask that all inaccurate, unverifiable, and/or fraudulent information be permanently removed from my credit report within XXXX  days as this information is XXXX  to my XXXX XXXX XXXX XXXX! I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-08-07 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: WI

Complaint narrative:
As a direct result of multiple recent data breaches including Equifax, XXXX, and XXXX others, my personal identifiable information was compromised which has resulted in the theft of my identity. This led to the appearance of unknown personal information ( addresses, names, jobs, etc. ), unauthorized accounts, unfamiliar credit inquiries, and inaccurate delinquent payment entries on my credit report. I am formally requesting a comprehensive reinvestigation into these accounts, inquiries, and personal information with the enforcement of my consumer rights as specified under the Fair Credit Reporting Act SECTION XXXX ( XXXX XXXX XXXXXXXX ). I ask that all inaccurate, unverifiable, and/or fraudulent information be permanently removed from my credit report within XXXX  days as this information is XXXX  to my XXXX XXXX XXXX XXXX! I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-08-07 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: WA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-08-07 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: TX

Complaint narrative:
I am disputing a {$56000.00} collection being reported by XXXX related to federal student loans that were originated in Louisiana from XXXX. These loans were serviced by various entities ( XXXX XXXX, XXXX, XXXX ), and XXXX is now attempting to collect and report under a single claim. However, XXXX has failed to provide the original promissory note, accurate chain of title, or proof of ownership. 

I have disputed the account multiple times. XXXX falsely labeled my dispute as frivolous without providing verification, which is a violation of the FCRA. XXXX and the credit bureaus have continued reporting the debt with discrepancies, including incorrect balances, double reporting, and identity confusion. 

The student loans were paid in part or resolved years ago, and XXXX has no right to collect under these conditions. I am requesting full deletion of the tradeline and investigation into unlawful collection practices.

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