vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: TN

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-05-09 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: TN

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request update personal information on my credit report and also to reinstate my FICO scores to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Subject : Improper Repayment Demand Despite Pending Borrower Defense Case ( Case # XXXX ) To Whom It May Concern, I am filing a formal complaint regarding my student loan servicer, MOHELA. 

Despite having an active and pending Borrower Defense claim ( Case # XXXX ) related to my former institution, Georgia XXXX XXXX, I received a notice from MOHELA stating that repayment on my student loans will resume in XX/XX/year>. This is entirely inappropriate, as loans associated with a pending Borrower Defense application are to remain in forbearance or deferment status until a decision is rendered. 

I have contacted MOHELA twice for clarification. On both occasions, the representatives acknowledged that my account required escalation to their Advanced Department. However, I was told the wait time to speak to that department was over XXXX hours, which is wholly unreasonable for a matter of this urgency. 

MOHELAs actions violate procedural norms and cause unnecessary distress. Attempting to collect payments on a loan that is supposed to be in a protected status undermines borrower rights and adds undue hardship. 

I respectfully request that the CFPB investigate this issue and ensure that my account is placed back into the appropriate deferment status pending resolution of my Borrower Defense claim. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
There are multiple XXXX account on my credit report for duplicate amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please o ask for the immediate deletion of this account I first made a report through cfpb which resulted in the validation of the account but when I sent the original creditor validation they dont have anything that is legal that make me the owner of that account it looks like I was victim of identity theft also in the history they reporting many differences in the beraus thanks fully XXXX  deleted the account but experian and transunion keep reporting Im just asking for my rights as a consumer how do I verify that the debt is mine if I dont have any documentation from the creditor or collection company please help me I spent money and time this company dont take nothing seriously is the XXXX letter I send them requesting the documents the have because the dates de data is complete and inaccurate and varies from bereaus to bereau

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 2025-05-09 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: KY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: TX

Complaint narrative:
here are late payments on this account ( XXXX XXXX - XXXX ) which is hurting my credit report badly. I was never late in making payments. Please correct and update the inaccurate information on my credit report. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: OH

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach identity theft below. 

Please remove these fraudulent account due to Equifax data breach identity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX { Last 4 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX } Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE Dept Of EdXXXX XXXX. XX/XX/XXXX XXXX Of ED/XXXX. XX/XX/XXXX Dept Of ED/ XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX Dept Of EdXXXX XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/XXXX Dept Of EdXXXX XXXX. XX/XX/XXXX Dept Of ED/ XXXX. XX/XX/XXXX XXXX Of ED/ XXXX. XX/XX/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. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within XXXX ( XXXX ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: KY

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

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
I submitted a formal dispute to Equifax on XX/XX/XXXX, concerning numerous student loan accounts and other entries that are either duplicated, inaccurately reported, or unverified. These accounts are tied to XXXX XXXX and are affecting my creditworthiness despite being duplicative or never properly validated. 

Many of these student loan entries reflect inconsistent data across bureaus, contradict XXXX another, and in several cases were never preceded by proper consumer notice or default warnings potential violations of the Family Educational Rights and Privacy Act ( XXXX ) and the Fair Credit Reporting Act ( FCRA ). Equifax failed to respond with the legally required method of verification or remove these entries within the XXXX statutory window. 

Disputed Information Highlights : Duplicate/Erroneous EdFinancial Accounts Account Numbers Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... and others Each of these were reported as duplicate tradelines with conflicting balances or statuses. Despite my formal request, no validation or deletion has occurred. Several were also noted as defaulted without notice, deferment rights, or rehabilitation options provided, violating consumer rights under XXXX and FCRA XXXX ( a ). 

Unauthorized/Unverified Inquiries : XXXX XXXXXXXX ( XX/XX/XXXX ) ODE ( XX/XX/XXXX ) These inquiries were never authorized and lack documented permissible purpose in violation of FCRA XXXX. 
Incorrect Personal Information : Names : XXXX XXXX and XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, XXXX, MI ; XXXX XXXX XXXX XXXX XXXX, XXXX, MI These identifiers are either outdated or never connected to me and were improperly verified or left unresolved after dispute. 
Violations Identified : FCRA XXXX ( b ) : Failure to maintain maximum possible accuracy. 
FCRA XXXX ( a ) ( XXXX ) : Failure to reinvestigate and resolve within XXXX days. 
FCRA XXXX ( a ) : Continued furnishing of data without verifying validity. 
FCRA XXXX : Unauthorized inquiries. 
XXXX ( via student loan data mismanagement ) : Improper handling of federally protected educational records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am disputing the accuracy of the Midland Credit Management account XXXX reported on my credit file. I have requested complete validation of this account, including original signed contracts, account statements, and proof of the chain of ownership, but have not received a proper response. FTC HAS BEEN SUBMITED AND ATTACHED TO THIS COMPLAINT REF NUMBER XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), you are required to provide accurate and complete documentation to verify this debt. Until you provide the required validation, you are prohibited from reporting this account as " accurate '' or " verified '' to the credit bureaus. 

Additionally, as a XXXX of a data breach, my personal information has been compromised, raising further doubts about the legitimacy of this account. Continuing to report this account without proper verification is a violation of my rights and has caused significant emotional distress and credit damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
b'My mother XXXX XXXX  deposited cash into my bank account at Navy FCU and then together we took out a cashier\'s check for XXXX  and sent it by certified mail to our landlord, XXXX XXXX, from the XXXX, VA post office on XXXX XXXX XXXX. It was a blue cashier\'s check number XXXX from account number ending in XXXX at the Navy Federal Credit Union in the amount of XXXX from remitter XXXX XXXX XXXXme, the tenant\'s daughter) to the order of XXXX XXXX (landlord). According to the tracking number XXXX XXXX XXXX XXXX XXXX the last time this mail item was scanned by XXXX  was in XXXX, VA on XXXX XXXX XXXX  with the status: "In Transit to Next Facility." On XXXX XXXX XXXX an unknown individual walked into a XXXX MD branch of Navy Federal Credit Union, presented a fake ID with the landlords name and address on it, a fake bank debit card, and a fake social security card, and used these documents to cash the aforementioned check for XXXX without signing the back of the check. On XXXX XXXX  I filed a fraud claim with the Navy FCU, and on XXXX XXXX they denied it without any explanation or any letter provided to me in writing. I cannot access my bank account online because Navy FCU has locked it. On XXXX XXXX  I filed an appeal of the decision to deny my claim, but I have not heard any status updates since then. The representatives at the branch just tell me that this matter is handled by the XXXX XXXX XXXX who cannot be reached by consumers either by phone or in person. Please provide some clarity on when the XXXX  loss would be refunded to me.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX ), ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXXXXXX XXXX XXXXXXXX ) that you, the Bureau 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 {$10000.00} XXXXXXXX XXXX XXXX {$9800.00} XXXX XXXX {$20000.00}, XXXX XXXX {$12000.00} and XXXX $ XXXXThese 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 XXXX Federal Trade Commission that all 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 explanation