vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
THE FOLLOWING ACCOUNTS ARE REPORTING INAACURATE AND UNAUTHORIZE IFORMATION CONCERNING THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE ABOVE ACCOUNTS ARE IN VIOLATION OF THE FOLLOWING FCRA LAWS 1681e-b and 1681s 2a and 1a inaccurate reporting, 1681 1a 1a did not recieve a XXXX  day notice prior to these lates being reported on my consumer report, 611 proof of XXXX day notice being sent. I'm asking that all lates be throughly investigated and XXXX day notice be provided along with the consent to share my personal information IM REQUESTING A THROUGH INVESTIGATION OF THE ABOVE ACCOUNTS AND THAT THEY BE UPDATED TO PAID AS AGREED AND THE INACCURATE AND NEGATIVE INFORMATION BE REMOVED 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 2025-12-16 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent activity. please remove these account 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I am struggling to repay my loan because I do not have a full time job offer. I have been pretty honest with Sallie Mae that I can not make a payment because I don't know if my contract/internship will be extended. 

On XX/XX/year> at XXXX XXXX  I asked them to stop calling me using autodialers and to not call an excessive amount of times. I reiterated this when I spoke to them on XX/XX/year>. As of writing this ( XX/XX/year> ) I've been called XXXX times in less than a week. This is not appropriate and constitutes harassment. 

I want to reiterate that I do not consent to Sallie Mae contacting me more than once a week after I've spoken to them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
My student loans from XX/XX/XXXX to XX/XX/XXXX did not qualify for PSFL due for forbearance due to the federal government. I attached some information.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am submitting this complaint regarding the reporting of a XXXX XXXX account ( Account XXXX. XXXX, balance owed {$1400.00}, date opened XX/XX/year> for Experian and XX/XX/year> for TransUnion ) which appears on my credit reports from Experian, TransUnion, and Equifax, and contains inaccurate details regarding late payments, charge-off status, balance, and account timeline. Despite reviewing my records, I have noticed inconsistencies that do not reflect the actual history of this account, and the information as reported affects my ability to obtain credit, housing, and fair financial opportunities. I have attempted to dispute the inaccuracies with each bureau individually, referencing my rights under the Fair Credit Reporting Act, including 15 U.S. Code 1666 ( Correction of Billing Errors ), 1666a ( Creditor Restrictions During Dispute ), 1681i ( Dispute Inaccurate Info with Credit Bureaus ), 623 ( a ) ( 2 ) ( Duty to Correct and Update ), and 623 ( b ) ( Furnishers Duty to Investigate ), but the account information remains inconsistent and does not reflect verified, accurate reporting. The late payment indicators, charge-off status, and balance reported are not in alignment with the documented activity and history of the account, creating a materially inaccurate representation of my financial responsibility and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. Late accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data. 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information. 15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. Legal Precedent : In XXXX  v. Trans Union, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson and Kennard, LLP
State: HI

Complaint narrative:
XXXX was sent claiming we owe an allege debt. With language stating they are a debt collector business. XX/XX/year> debt was disputed and not marked as disputed on credit report. First notice sent certified mail with XXXX  XXXX return receipt to cease and desist all communications XX/XX/year>. XX/XX/year> another communications letter sent from debt collector. Claiming inaccurate information on an alleged debt we owe. Violating the XXXX XXXX  XX/XX/year> we send out XXXX  notice to cease all communications certified mail with green card return receipt if you continue to violate 15 USC 1692c ( c ). In or around XXXX XXXX Formal demand for full accounting and transactional history certified mail with XXXX XXXX return receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NV

Complaint narrative:
I have filed 2 identity theft reports requesting inaccurate, fraudulent inquiries be removed from my report. I subnitted this report to Experian, who refuses to remove the illegally placed inquiries. Reporting inaccurate and fraudulent information on my report is commonplace behavior with Experian. As an example, Experian continues to report an account with XXXX for a vehicle loan. The vehicle was stolen. XXXX incorrectly told XXXX Insurance company that my payment was going to bounce, therefore causing my policy to lapse. The money was there and had XXXX handled the payment honestly, the policy would have been active at the time the vehicle was stolen. Yet, despite nearly seven years of disputes to Experian have yielded no results. Experian continues to report the inaccurate information. It has done so with addresses that were fraudulent too. Now it's refusing to remove fraudulent inquiries. This is a blatant violation of FCRA law. Experian does not care that it's violating the law because it knows that the CFPB, FTC, or OAG will not support an individual consumer like myself. I request that the CFPB encourage Experian to remove the fraudulent inquiries as well as the XXXX account. XXXX should also compensate me for the last 7 years of destroyed credit. They had no right telling XXXX that my payment would be returned. My account had {$3.00} more in it vs the payment amount. The malicious and absurd behavior of Experian must not continue unpunished.

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 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX I discovered two loans listed under my name and Social Security number that I did not authorize or have knowledge of. I became aware of these loans after being prompted to review my credit report, at which time I noticed the accounts for the first time. 

I did not consent to these loans, did not apply for them, and did not sign for them. The loans were opened without my authorization using my personal information. I later learned that the application relied on an electronic or typed signature rather than a handwritten or verified signature. 

After contacting the loan servicer, I was able to reset the password and gain access to the account, and report the matter as identity theft. I requested a fraud packet and assistance, as I had no knowledge of these loans at the time they were opened. 

The loans were opened by a family member without my consent or knowledge. Although the loans have existed for years, I had no knowledge of their existence until reviewing my credit report. 

I am disputing these loans as unauthorized and fraudulent and am requesting correction of my records and appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Re : Fraudulent Accounts Request for Blocking Under FCRA 605B To Whom It May Concern : I am a victim of identity theft. The following accounts on my Experian credit report are not mine and were opened without my authorization : XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX ) Acct # XXXX Under the Fair Credit Reporting Act Section XXXX, you are required to block these fraudulent accounts from my credit file within XXXX business days. Enclosed : - Copy of my FTC Identity Theft Report - Police Report ( if available ) - Government-issued photo ID - Proof of address ( utility bill ) Please confirm in writing that these items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge 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 non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request XXXX theseunauthorized inquiries, but they are still on my credit report. I am following up to insist on a thorough investigation and removal of these inquiries, which were made without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Via Certified Mail / Email / FaxJefferson Capital Systems XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Communication To Whom It May Concern, This letter serves as a formal notice to cease and desist all communication with me regarding any alleged debt associated with Account Number : XXXX effective immediately. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that you stop all forms of communication, including but not limited to phone calls, emails, letters, text messages, and contact through third parties. 
You are hereby instructed to cease all collection efforts unless and until you are able to provide written verification of the alleged debt, as required by law. 
Any further contact from your companyother than confirmation that collection efforts have ceased or legally required noticeswill be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as possible legal action.

This letter is not an acknowledgment of liability, nor is it a refusal to pay any debt that may be legally verified. 
Please govern yourselves accordingly. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Exeter Finance, LLC.
State: WA

Complaint narrative:
I am filing a complaint against Exeter Finance for inaccurate and unfair credit reporting related to an auto loan with an original amount of approximately {$20000.00}.

Exeter Finance is reporting the account as a charge-off with a past-due balance that exceeds the original loan amount, which is inaccurate and misleading. The balance being reported does not properly account for payments made and does not reflect a valid or itemized accounting after charge-off.

I have disputed this account with the credit bureaus, and it is currently marked as account information disputed by consumer. Despite this, Exeter Finance has continued to report the same inaccurate balance without providing complete validation, including a full payment history, charge-off accounting, or explanation of how the balance increased beyond the original loan amount. 

This reporting is causing ongoing harm to my credit profile and is preventing fair access to credit. Continuing to report a charged-off account with an inflated balance without proper verification is inconsistent with fair and accurate credit reporting requirements. 

I am requesting that Exeter Finance either provide full and complete validation of the debt, including a detailed accounting of the balance, or remove this account entirely from my credit reports with all consumer reporting agencies. 

I am requesting CFPB assistance to resolve this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-12-16 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: GA

Complaint narrative:
I am sending this complaint to formally dispute and request correction of certain account information currently appearing on my consumer credit report. I have taken the time to carefully review my credit file and, in doing so, identified information that I believe does not fully or accurately reflect the true status of my accounts. My purpose in submitting this dispute is to ensure that my credit report presents a complete, fair, and accurate picture of my credit history, consistent with the requirements of the Fair Credit Reporting Act. The accounts listed below are currently reporting late payment notations that do not accurately convey the overall performance, intent, or agreement status of the accounts. Rather, I am requesting correction so that these accounts properly reflect Paid as Agreed, which more accurately represents the relationship between myself and the creditor. 
XXXX XXXX XXXX Balance : {$4400.00} late 30 days XX/XX/XXXX, XX/XX/XXXX CAPITAL XXXX XXXX Balance : {$5700.00} late 30 days XX/XX/XXXX XXXX XXXX Balance : {$34000.00} Under CRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute information that I believe is inaccurate or incomplete, and has the obligation to conduct a reasonable reinvestigation to verify that the information being reported is correct. Additionally, FCRA 623 ( a ) ( 2 ) requires that furnishers of information promptly correct and update information so that it remains accurate and complete, while FCRA 623 ( b ) imposes a duty upon furnishers to conduct a meaningful investigation once a dispute is received. Further protections are provided under 15 U.S. Code 1666 and 1666a, which outline consumers rights related to billing accuracy and place restrictions on creditors from reporting information that may be misleading or not reflective of the true account standing while matters of accuracy are being addressed.

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 2025-12-16 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:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-12-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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