vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
Issue : Incorrect information on my credit report / Failure to properly investigate dispute Details of Complaint : I am filing this complaint because Experian is inaccurately reporting an account and has failed to conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ). 
Creditor Name : XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Status Reported : Charged Off ( {$0.00} balance ) Status Update Date : XX/XX/XXXX The account is reported as charged off with a {$0.00} balance, which is misleading and inaccurate, as it falsely implies I still owe money on a derogatory account. Additionally, Experian is reporting duplicate late payments after the charge-off date, which is not accurate reporting. 

I disputed this with Experian and specifically requested a reasonable reinvestigation by a human reviewer. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a proper reinvestigation of disputed information. Instead, Experian appears to have relied on an automated e-Oscar response, which does not satisfy FCRA requirements.

I also requested the method of verification and the furnishers contact information as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), but Experian has failed to provide this. 

Requested Resolution : Delete the inaccurate XXXX XXXX XXXX  account from my credit file. 
Provide documentation of the reinvestigation, including the method of verification and the name/contact information of the furnisher. 
Ensure Experian complies with its obligations under the FCRA. 

If Experian does not resolve this matter, I will pursue further action, including civil remedies under 15 U.S.C. 1681n & 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collection accounts listed on my credit report appear to contain inaccurate details. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: AR

Complaint narrative:
HELLO MY NAME XXXX XXXX THERE IS A FRAUDULENT ACCOUNT IN MY CREDIT REPORT WHICH MUST REMOVED NOW. XXXX XXXX XXXX OPENED IN XXXX IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I AM THE ONLY PERSON WHO MADE THIS STATEMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MO

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 identity 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 completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
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 identity 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 completeandaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
Subject : Identity Theft & Fraudulent Collection Account Request for Immediate Removal To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB, I am filing a complaint regarding a fraudulent collection account that has severely impacted my credit. 

FTC Identity Theft Report Reference Number : XXXX Collection Agency : Cedars Business Services LLC Original Creditor : XXXX Collection Account Number ( as reported ) : XXXX Account No : XXXX Amount Reported : {$6600.00} Date Opened ( per credit report ) : XX/XX/XXXX Background : I never opened, used, or authorized any Wayfair account or purchase. 

Neither I nor any family member has ever placed an order with XXXX for this alleged debt. 

Despite this, Cedars Business Services has reported a collection account against me. 

On XX/XX/XXXX, an order number XXXX was supposedly placed, but I had no involvement in this transaction. 

Actions Taken : I filed disputes with all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 

I filed an FTC Identity Theft Report ( Reference # XXXX ). 

I directly contacted XXXX and Cedars Business Services demanding validation, including : Delivery address used Payment method/credit card used Identity of the purchaser Neither has provided sufficient documentation to prove this debt belongs to me. 

Harm : My credit score dropped from XXXX to XXXX due to this fraudulent collection, directly affecting my pending mortgage loan closing in XX/XX/XXXX. 

This has caused significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: MO

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXXXX/XX/year>, I initialized a wire transfer to XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). 
Until now, the recipient still have not received the fund. 

On XX/XX/year>, I went one of the Chase branches to ask for a copy of XXXX doc, but they did not provide me, and claimed that the transfer is finished.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-09-23 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
I, XXXX XXXX XXXXXXXX, declare that the hard inquiry made by EXPERIAN XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX XXXX XX/XX/year> was made without my knowledge, consent, or authorization. I did not apply for credit with this entity, and this action is the result of identity theft. I respectfully request this item be blocked from my credit report under 15 U.S. Code 1681c-2. 
Signed, XXXXXXXX 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 2025-09-23 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: GA

Complaint narrative:
I applied for Loan Forgiveness multiple times. I did receive the IDR, however, after seeing so many people have their loan forgiven and I myself working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my father serving in the military ( not using his credentials )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in Georgia and starting my own business XXXX XXXX XXXX, I feel it is appropriate to have my loans forgiven, as they have more than doubled.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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:
I am filing a complaint to you because after carefully reviewing my credit file, I discovered serious inaccuracies that are unfairly damaging my creditworthiness. These entries are either incomplete, misleading, or were reported without proper authority, and I am requesting immediate reinvestigation and removal if they can not be fully verified. 
XXXX issue involves accounts that are reported as XXXX XXXX, even though the balances do not justify such a damaging remark. The account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$410.00}, yet it is being misreported as XXXX XXXX. The same issue appears with XXXX XXXX XXXX which reflects a {$0.00} balance, and XXXX XXXX XXXX  which also reflects a {$0.00} balance, both of which are inaccurately reported as XXXX XXXX. These accounts in their current form do not reflect fair or accurate reporting. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information that is inaccurate or incomplete, and your bureau must conduct a reasonable reinvestigation. Additionally, FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers of information to promptly update records that are reported incorrectly. I also rely on FCRA 605B / 15 U.S.C. 1681c-2, which protects consumers by requiring the blocking of information resulting from fraud, misrepresentation, or identity theft. 
Beyond the inaccurate account reporting, I also discovered inquiries listed on my file that I did not authorize. These include XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I never gave consent for these inquiries to be performed, and they have no permissible purpose under the law. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute these inquiries. Moreover, FCRA 619 15 U.S.C. 1681q makes it unlawful to obtain a consumer report under false pretenses, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) strictly limits inquiries to situations where there is explicit authorization or a legitimate purpose. Because these inquiries do not meet those requirements, they must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am filing a complaint to you because after carefully reviewing my credit file, I discovered serious inaccuracies that are unfairly damaging my creditworthiness. These entries are either incomplete, misleading, or were reported without proper authority, and I am requesting immediate reinvestigation and removal if they can not be fully verified. 
XXXX issue involves accounts that are reported as XXXX XXXX, even though the balances do not justify such a damaging remark. The account listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of {$410.00}, yet it is being misreported as XXXX XXXX. The same issue appears with XXXX XXXX XXXX which reflects a {$0.00} balance, and XXXX XXXX XXXX  which also reflects a {$0.00} balance, both of which are inaccurately reported as XXXX XXXX. These accounts in their current form do not reflect fair or accurate reporting. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute information that is inaccurate or incomplete, and your bureau must conduct a reasonable reinvestigation. Additionally, FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers of information to promptly update records that are reported incorrectly. I also rely on FCRA 605B / 15 U.S.C. 1681c-2, which protects consumers by requiring the blocking of information resulting from fraud, misrepresentation, or identity theft. 
Beyond the inaccurate account reporting, I also discovered inquiries listed on my file that I did not authorize. These include XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I never gave consent for these inquiries to be performed, and they have no permissible purpose under the law. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute these inquiries. Moreover, FCRA 619 15 U.S.C. 1681q makes it unlawful to obtain a consumer report under false pretenses, and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) strictly limits inquiries to situations where there is explicit authorization or a legitimate purpose. Because these inquiries do not meet those requirements, they must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: WI

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 explanation
Consumer complaint received 2025-09-23 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: CL Holdings LLC
State: VA

Complaint narrative:
I dispute the Jefferson Capital account XXXX [ amount {$190.00} ]. Jefferson has not provided original creditor documentation or assignment records proving ownership. Reporting without validation violates FCRA 623 ( a ) ( 3 ). Per 611 ( a ), this account must be deleted.I have contacted reps for a year now sent in my payoff letter from XXXX XXXX they still wont remove I even disputed with all three credit bureaus who also are in violation of the dispute process and allowing inaccuracies. 

I dispute the XXXX XXXX account : XXXX. This account is reporting inaccurately and is closed. 

I dispute XXXX XXXX XXXX account XXXX my account is showing 120 days late and it was transferred representatives stated it would be removed over 6 months ago they only updated it closed. Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute inaccurate reporting. If the furnisher can not provide proper verification, the account must be corrected or deleted. Additionally, FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers to report only accurate information. 

All of these disputes I have been dispute for 4 months to a year now with no resolution from creditors or the major credit bureaus

Company response to consumer: Closed with explanation