vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report XXXX. Copy of my FTC report XXXX I request that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Department of education Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Dear Barclays Customer Support, I am writing to formally express my disappointment and concern regarding the recent denial of my application for the Frontier Airlines XXXX. 

As an elite member with Frontier Airlines, flying is not just a convenience for meit is a necessity. I frequently travel back and forth to XXXX under the terms of a court-ordered out-of-state custody arrangement. These flights are essential to maintaining my responsibilities as a parent, and I have consistently managed the associated costs out of pocket. 

Having the Frontier Airlines XXXX would significantly enhance my ability to manage these travel expenses, providing greater flexibility through earned miles and other travel-related benefits. Given my ongoing loyalty to XXXX and my consistent travel schedule, I believe I would be a strong candidate for this card. 

I respectfully request that you reconsider my application or provide more specific details regarding the reason for the denial. I am more than willing to provide any additional information or documentation that XXXX support a reassessment of my eligibility. 

Thank you for your time and consideration. I look forward to your response.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Thought I was doing the pre approval to see if I pre- qualify for the card, didnt know I was doing the application for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act protects the confidentially of student records. I requested that all of my student loans be removed from my credit report to the credit bureaus ( XXXX XXXX XXXX XXXX 
I am filing a formal complaint against MOHELA XXXX XXXX  and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 
Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-04-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I am filing this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ), CDIA Metro 2 guidelines, and my consumer rights by both XXXXXXXX XXXX and the credit bureaus ( TransUnion, XXXX, and XXXX XXXX XXXX 

I disputed an old charged-off credit card account ( Account # : ending in XXXX XXXX XXXX ) that is reporting inconsistent and inaccurate information across the bureaus. Despite this, my dispute was wrongfully verified with no documentation or proper investigation. 

Here are the violations : Inaccurate balance reporting : XXXX  shows {$0.00}, TransUnion and XXXX report {$150.00}. The account is closed and should report {$0.00} if charged-off or sold. 
Re-aging the charge-off every month : Each bureau continues to mark the account as Charge-Off monthly, which is illegal and deceptive under Metro 2 compliance. A charge-off is a one-time event, not a recurring one.

Incorrect Date of Last Activity : Each bureau lists a different last activity date, making the information appear more recent and damaging than it is.

Dispute remarks missing or inconsistent : Some bureaus fail to list that Ive previously disputed this account. 

This is a clear violation of 15 U.S.C. 1681e ( b ) ( duty to maintain accurate reporting ), 1681i ( failure to reinvestigate properly ), and 1681s-2 ( b ) ( furnisher duties ).

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 2025-04-16 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: IL

Complaint narrative:
I am filing this complaint due to repeated violations of the Fair Credit Reporting Act ( FCRA ), CDIA Metro 2 guidelines, and my consumer rights by both XXXXXXXX XXXX  and the credit bureaus ( XXXX Experian, and XXXX XXXX  XXXX 

I disputed an old charged-off credit card account ( Account # : ending in XXXX XXXX XXXX ) that is reporting inconsistent and inaccurate information across the bureaus. Despite this, my dispute was wrongfully verified with no documentation or proper investigation. 

Here are the violations : Inaccurate balance reporting : Experian shows {$0.00}, XXXX and XXXX report {$150.00}. The account is closed and should report {$0.00} if charged-off or sold. 
Re-aging the charge-off every month : Each bureau continues to mark the account as Charge-Off monthly, which is illegal and deceptive under Metro 2 compliance. A charge-off is a one-time event, not a recurring one.

Incorrect Date of Last Activity : Each bureau lists a different last activity date, making the information appear more recent and damaging than it is.

Dispute remarks missing or inconsistent : Some bureaus fail to list that Ive previously disputed this account.

This is a clear violation of 15 U.S.C. 1681e ( b ) ( duty to maintain accurate reporting ), 1681i ( failure to reinvestigate properly ), and 1681s-2 ( b ) ( furnisher duties ).

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 2025-04-16 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: OR

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: OR

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove.

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 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I will be going on medical leave from work in XXXX of XXXX  to undergo XXXX treatment. I contacted XXXX to request hardship forbearance or any kind of temporary assistance with my private student loan payments. Despite explaining my financial situation and medical condition, I was told there are no programs or options available to pause my payments, even for a temporary amount of time. They offer a reduced payment plan of XXXX XXXXXXXX or an interest-only payment/month, whichever is greater. The interest-only option for me would be ~ XXXX XXXXXXXX, still an amount I can not afford while on leave. 

I can not afford to make full or interest-only payments while on medical leave and I need to be able to focus on my health and treatment. SoFi has offered no flexibility or support, which is causing extreme distress. 

I am asking the CFPB to review this case, as I believe lenders should provide some level of hardship accommodation for borrowers in serious medical crises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates
State: IL

Complaint narrative:
Hello- My significant was supposed to be responsible for this bill. I found out after he moved out that he did not. I paid XXXX $ on XX/XX/XXXX. A couple days later I received a letter from XXXX that I could settle this debt. I paid the remaining XXXX to clear the debt and the payment cleared on XX/XX/XXXX. Now I get a another letter from Prince Parker requesting XXXX. Please send a letter that this has been settled in full and it will not report to my 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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Date : XX/XX/year> To : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ( XXXX ) XXXX Subject : Cease and Desist Demand Account # XXXX Dear Midland Credit Management, Pursuant to 15 U.S. Code 1692c ( c ) of the FDCPA, I am demanding that you immediately cease and desist all communication regarding the alleged debt originally associated with XXXX XXXX, account number XXXX. 
I dispute the validity of this debt and am exercising my right to refuse further contact. As such, your office is forbidden from contacting me except to provide notice of specific legal actions you intend to take. Any further contact beyond that will be interpreted as a violation of my consumer rights and reported to the proper authorities. 
Consider this your final notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, TransUnion, and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, TransUnion and Experian complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Amscot Corporation
State: FL

Complaint narrative:
XX/XX/2025 On or about XX/XX/2025, I purchased a money order XXXX for the amount of {$180.00}. 
On or about XX/XX/2025, I received notice from my life insurance provider money order are no longer an acceptable form of payment with the original money order. 
On or about XX/XX/2025, I returned to the merchant where I purchased the money order. I provided documentation that the insurance company send me refusing the money order, Brief, I was told to leave the store it was an issue between myself and XXXX XXXX. 
On or about XX/XX/2025, I contact XXXX XXXX. XXXX XXXX email me with instructions on the process. I took the money and documentation to Amscot located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX. Amscot took the original money order and refund me approximately {$170.00}. 
On XX/XX/2025, I received a threatened phone call from Amscot corporate office demanding I come into the office and pay the {$180.00}, Amscot was not a subsidiary or XXXX XXXX or XXXX of XXXX XXXX. Amscot is a Check cashing business, and a stop payment was placed on the money order by XXXX XXXX, the bank refused to honor the money order. 
I dont believe I am responsible for the reimbursing Amscot the funds. I asked the Amscot clerk was this a XXXX XXXX vendor and did the store honor XXXX XXXX refunds. At no time was I told no this was not a XXXX XXXX store, or I was cashing the money and not receiving a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
Unauthorized Hard inquiries appeared on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was notified on XX/XX/year> when I applied for a student loan for my daughter that I had a {$570.00} Department of Treasury dept that was added to my Equifax credit on XX/XX/year>. I filed a dispute with Equifax on XXXX at XXXX at night telling Equifax XXXX whoever filed this debt did not adhere to the state of Ohio XXXX by sending me documentation saying i had a debt or an actual bill or a letter head to make payment arrangements. According to the State Of Ohio Attorney Generals Office A debt collector must send you an initial letter within XXXX days of contacting you to tell you the amount of the debt you owe, the name of the creditor to whom you owe the debt, your rights to dispute the debt and how to request verification of the debt. None of this ever happened So, when I filed the online dispute with Equifax at XXXX on XXXX and recieved a email at XXXX on XXXX saying the complaint was closed because they verified the account belongs to me. I filed the dispute because there are guidelines that have to be followed to post collections to a consumers credit, which they did not follow and Equifax did not do a proper investigation to even request information to show where the creditor even sent any correspondence to me to even pay the debt.

Company response to consumer: Closed with explanation