vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiry Immediate Deletion Requested Dear Dispute Department, I am writing to formally dispute an unauthorized hard inquiry reported on my credit report. I did not authorize this inquiry, nor did I provide consent for the company to access my credit file. The inquiry in question constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), the Uniform Commercial Code ( UCC ), and established case law. 

Details of the Unauthorized Inquiry : Date of Inquiry : XX/XX/XXXX Company Name : XXXX FTC Report File Number : XXXX Legal Violations : FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ) : Requires a permissible purpose to access a consumers credit report. No permissible purpose exists here because I did not apply for or authorize this inquiry.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus must maintain maximum possible accuracy and ensure inquiries are reported only when permissible. 

UCC 1-308 : Reservation of rights regarding unauthorized use of my credit information and false data entry. 

Case Laws : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Credit bureaus must independently investigate and can not simply accept data from furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Reporting unverifiable or inaccurate information must be deleted. 

I have also filed an FTC Identity Theft Report ( File Number : XXXX ) regarding this unauthorized inquiry. I demand that you immediately and permanently delete this unauthorized inquiry from my credit file and provide written confirmation of its deletion within the time frame mandated by the FCRA. Failure to comply may result in legal action seeking actual, statutory, and punitive damages. 

Please send me an updated copy of my credit report reflecting this deletion. 

Thank you for your immediate attention to this matter. 

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 2025-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Account ( T-Mobile # XXXX ) ) Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB : I am writing to report a serious issue with Experian Information Solutions XXXX Inc. ( " Experian '' ) regarding their failure to remove incorrect information from my credit report, despite my repeated requests. This incorrect information is a result of identity theft, and Experian 's inaction has caused me significant harm. 

The incorrect names on my report are : XXXX XXXX identification number : XXXX XXXX XXXX XXXX identification number : XXXX XXXX XXXX XXXX identification number : XXXX XXXX XXXX XXXX XXXX identification number : XXXX XXXX XXXX XXXX identification number : XXXX I have previously disputed these errors with Experian, but they have failed to correct or remove them. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of the information in consumer reports.

- 15 U.S.C. 1681i, which requires consumer reporting agencies to reinvestigate disputes and correct or delete inaccurate information. 

Furthermore, Experian 's failure to remove the incorrect information has also led to a violation of my rights under the FCRA 's section 609, which requires consumer reporting agencies to provide consumers with a summary of their rights under the FCRA. 

As a victim of identity theft, I request that the FTC take immediate action to : 1. Investigate Experian 's handling of my dispute and their failure to correct or remove the incorrect information.

2. Require Experian to correct or remove the incorrect information from my credit report.

3. Take enforcement action against Experian for their violations of 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal information is not accurate on my 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-01 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: AL

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I worked at XXXX XXXX XXXX, an eligible XXXX employer from XX/XX/XXXX - XX/XX/XXXX and only XXXX payment has been reported to the federal loan department. During that time period I paid off XXXX XXXX and made years of payment to XXXX. Why are those payments not being applied? Can this be investigated so my qualifying payments are accounted? Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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:
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 2025-06-01 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: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 


XXXX XXXX {$470.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4600.00}

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 2025-05-31 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$1500.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$350.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$1100.00}

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
b'Once upon a time I had a Capital One account with the number of XXXX. This account went into collections, I understand that I owed the debt to Capital One; however it has been paid not once but three times to three different collection organizations or agencies.. \n\nI need this investigated immediately and a resolution to my problem. I am asking that the investigation be into the collection organizations or agencies that harassed me to get a payment and then according to Capital One did not advise them that it was paid and or pay Capital One what they were due. I should only be responsible for one of the payments and the other two payments should be returned to me as soon as possible. \n\nI have already reached out to you once with the complaints listed below and there was not a resolution to this serious problem. Each of the companies that a complaint was filed against did take my money and should be held accountable for it. Capital One can only have one of the payments that was taken from me. I did not file a complaint against the law firm that contacted me last, they provided a legal letter about the debit being paid, and I advised them that I better not hear from another debit collector again. \n\nI am due repayment from either the two companies listed below that I believe scammed me or by Capital One for the total amount of XXXX Capital One Bank - they should want to investigate this issue themselves, and have my personal identifying information because they opened me an account. \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  per automatic payment \n\n\nIf this complaint has went to the wrong place, please send it to the right organization that it should go to. I cannot afford a lawyer, I do not make enough money to do so at this time. I am happy to join a law suit that is already open against one of these companies in hopes that it will bring more attention to what has taken place. The only resolution for me is my money back and if possible restitution for what these two companies done to me.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
A refund request for overpayment of student loans was submitted by Mohela to the U.S. Department of Education on XX/XX/XXXX, after my student loans were forgiven/discharged under the Public Service Loan Forgiveness ( PSLF ) program. I still have not received the refund, and it has been nearly 7 months. I have called and spoke to multiple agents at Mohela, receiving conflicting information about the status of the refund. More recently, I called and one of their agents said they submitted an expedited request on my behalf because it had been many months and should have been refunded no later than XX/XX/XXXX. I called back a couple weeks after this expedited request was supposedly submitted, and the agent told me the request was on backlog and that there was no further information available to indicate when the request would be submitted. I have also submitted a request to the federal student aid ombudsman 's office, and all they did was confirm there is a refund request out there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX - XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2025-06-01 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: NY

Complaint narrative:
XXXX XXXX UNVERIFIED 30-DAY LATE PAYMENT Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} Reported Late : 30 Days in XX/XX/year> Past Due : {$0.00} Status : Open / Current Last Payment : {$370.00} on XX/XX/year> Violations : Equifax reports the account as Current but also lists a 30-day late in XX/XX/year>, which is logically and legally contradictory under 1681e ( b ).

There is no documented past due amount, no history of escalating delinquency, and timely payment in the same month as the alleged late mark.

This late payment violates Metro 2 Format rules, which require late status, past-due amount, and payment history to align.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: NY

Complaint narrative:
XXXX XXXX UNVERIFIED 30-DAY LATE PAYMENT Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} Reported Late : 30 Days in XX/XX/year> Past Due : {$0.00} Status : Open / Current Last Payment : {$370.00} on XX/XX/year> Violations : Equifax reports the account as Current but also lists a 30-day late in XX/XX/year>, which is logically and legally contradictory under 1681e ( b ).

There is no documented past due amount, no history of escalating delinquency, and timely payment in the same month as the alleged late mark.

This late payment violates Metro 2 Format rules, which require late status, past-due amount, and payment history to align.

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 2025-06-01 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:
Some of my credit information is incorrect also my account was hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This not my debt please remove me from anything that has been to do with the problem. And I ask for this company to not contact me. Other to let know that this problem has been taken off. Because it is not has never been my debt.or never will be my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation