vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section XXXX of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft. 

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Date Opened Amount Owed Status XXXX XXXX XX/XX/XXXX. {$0.00} Current XXXX XXXX  XX/XX/XXXX {$7100.00} Late 60 Days / Closed XXXX XXXXXXXX XX/XX/XXXX {$1000.00} Collection/Charge OfXXXX XXXX XXXX XX/XX/XXXX {$4100.00} Collection/Charge Off XXXX XX/XX/XXXX {$0.00} Late 30 Days XXXX {$11000.00} Late 60 Days XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$0.00} Current XXXX XXXX XX/XX/XXXX {$460.00} Current XXXX  XXXX XX/XX/XXXX {$290.00} Current Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of XXXX Credit Bureau XXXX - XX/XX/XXXX Equifax XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXeporters XX/XX/XXXX Experian XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX Experian

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Mohela still hasn't given a reason for the denial of my school misconduct application and hasn't halted collection activity as directed by the CFPB. They are still sending collection notices and have been destorying my credit while not giving avenues to move forward with discharge despite them knowing that the loan is eligible due to multiple reasons ( School Misconduct and Illegal Promissory Note Language ). Mohela Staff have ignored CFPB directions when I emailed them the XXXX XXXX and continued to send collection notices without giving a specific reason for denial. I have also sent in new information regarding archived promotional content found on the XXXX XXXX XXXX XXXX 's Website that showed several misrepresentations from the college. 

" To address these UDAAPs related to noteholder liability, XXXX  directed the private student loan lenders and servicers to maintain and publicize a robust process to consider borrower claims of misconduct by their school. More specifically, XXXX directed the entities to implement a claims-review process that is not unduly burdensome for the borrowers and gives due deference to findings of the U.S. Department of Education or courts regarding claims of misconduct, fraud, or misrepresentation by a borrowers school ; that is public and easily accessible ; and that ensures any denials are individualized and detailed. With respect to private student loans where the entity had actual notice that the U.S. Department of Education or a court had made a finding of fraud, misconduct, or misrepresentation by the school that resulted in discharge of loans to attend that school, XXXX further directed the entities to suspend collections until they provided the borrower with a detailed reason why their private loans were not the result of similar misconduct. "

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information at Transunion, Experian and Equifax. Please delete the following accounts 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

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 2025-05-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX XXXX, DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello. I am writing to request the correction of inaccurate personal information on my credit report. I've noticed that some errors in my report, particularly the incorrect addresses listed, have caused issues with my credit applications, which is extremely frustrating. Please take action on this as soon as possible.

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 2025-05-19 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: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CO

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX  upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violati
on of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Complaint for CFPB XXXX  XXXX XXXX ( Account ending in XXXX / XXXX ) To Whom It May Concern : I am filing this formal complaint against XXXX  XXXX XXXX and the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ) due to serious inaccuracies and noncompliance with federal laws that are currently damaging my credit profile and limiting my financial access. 

This revolving credit account, opened on XX/XX/XXXX, was closed in XXXX. However, it continues to be inaccurately reported across all bureaus as " Negative '', with multiple charge-offs ( COs ) and delinquencies ( XXXX, XXXX, XXXX, XXXX days late ) being reported after the account closure which is illogical and factually incorrect. 

Among the key inconsistencies : The account reports as closed, yet continues showing delinquent activity in XXXX, including months after the date of last payment ( XX/XX/XXXX ) and last activity. 

XXXX  reports a high balance of {$0.00}, which is inconsistent with the other bureaus listing {$27000.00}. 

All three bureaus report the account as Negative, despite the consumer dispute dated XX/XX/XXXX. 

The payment history shows re-aging of debt, artificially extending delinquency periods beyond the original timeline a serious violation of federal law. 

VIOLATIONS OF FEDERAL LAWS : 1. FCRA Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. The re-aging and false reporting of delinquencies beyond the date of last activity is a direct violation. 

1681s-2 ( b ) : Furnishers must investigate disputes and correct any inaccurate or incomplete information. The account remains inaccurate months after being disputed. 

1681i : Failure to correct previously disputed information within the required XXXX window. 

2. TILA Truth in Lending Act ( 15 U.S.C. 1601 ) : The mischaracterization of the repayment timeline and continued negative reporting after account closure misrepresents the terms and performance of the credit agreement violating TILA 's provisions on accurate disclosures. 

3. GLBA Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) : Failure to safeguard sensitive consumer data and ensure the privacy and accuracy of financial records. Disseminating false credit data to third parties without due diligence breaches GLBA obligations.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-05-19 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: FL

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-19 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: NJ

Complaint narrative:
I discovered several accounts listed on my credit report that I did not open In XX/XX/XXXX, These accounts were created without my knowledge or consent and appear to be the result of identity theft or the unauthorized use of my personal information. 
the account included in the fraud is the following : XXXX XXXX XXXX -- Auto Loan -- opened on XX/XX/XXXX and the following inquiries were included to the fraud too : XXXX inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX TMCC inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX inquiried on XXXX, XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX  inquiried on XX/XX/XXXXXXXX XXXX XXXX XXXXnquiried on XXXX, XXXX XXXX inquiried on XXXX, XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX is furnishing derogatory information related to multiple closed accounts starting with XXXX to Experian and TransUnion, even though these accounts have already been removed from Equifax following a reinvestigation. 

The accounts in question are reported as Paid, Closed but contain late payments, including 30-day delinquencies. These late payments were reported after the accounts were closed, which is a violation of Metro 2 reporting standards. According to CDIA Metro 2 guidelines and FCRA 1681s-2 ( a ), furnishers are responsible for ensuring maximum possible accuracy. Reporting new derogatory activity on a closed account is both inaccurate and misleading. 

I have previously disputed this directly with the credit bureaus and with the furnisher. Equifax corrected and completely removed the accounts from my report. However, Experian and TransUnion continue to report the accounts with derogatory marks.

This inaccurate reporting is damaging my credit profile and does not reflect my current obligations. I request the CFPB to initiate a thorough review of XXXX XXXX XXXX reporting procedures and compliance with Metro 2 and FCRA standards.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of 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 2025-05-19 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: TN

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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