vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-27 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: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I am requesting the removal of outdated and incorrect personal information from my TransUnion credit report, including old names, addresses, and employer data that do not match the information shown on my valid government-issued ID and current proof of address. 

On XX/XX/year>, I submitted a written dispute under the Fair Credit Reporting Act ( FCRA ) requesting deletion of this inaccurate personal information. I specifically demanded that TransUnion respond and verify corrections within 4 business days.

I included valid documentation proving my current address and legal name. I am a stay-at-home mother and do not have a current employer, so any listed employer info is outdated and should be removed. 

These inaccuracies compromise the accuracy of my credit report, and I am requesting immediate correction or deletion of all unverifiable personal information in compliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I previously had a credit card with Macy 's. I requested they cancel it back in XXXX  after they opened a second store acct in my name ( wasn't me ) ; they didn't, instead they sent me a new card. I called them again and requested they cancel it and I cut the new card up. I found out in XXXX that the new card was still open and call again to tell them to cancel it. That was on XX/XX/XXXX ; however, I was recently notified by XXXX that they received a potentially negative credit impact notification when Macy 's issued a credit limit reduction from $ XXXX to $ XXXX ... on an account that was supposed to be closed! I spoke with XXXX from Macy 's today and she confirmed the account shows closed on her end ; however, when I go into my Macy 's account it is still showing open at $ XXXX. Today, after I blew up and told them I was finally a formal complaint, they are now trying to figure out what happened and why the card is showing active and the credit limit was dropped. XXXX from the credit dept at Macy 's said that she will research and call me back. She said the credit limit was dropped in XXXX ( I received no notification or I would have known then that the card was still active ). She also said that someone called in XXXX and asked for a replacement card - that was not me. She is going to pull the recording to see what they can find out.

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 2025-05-27 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-27 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 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: FL

Complaint narrative:
Complaint Overview : I am filing this complaint because Equifax is continuing to report inaccurate, unverifiable, and potentially fraudulent accounts on my credit report. Despite multiple written disputes submitted directly by me and several CFPB complaints over the past several month Equifax has failed to validate, correct, or delete these tradelines. The only response Ive received is verified, with no documentation or lawful reinvestigation as required. 

Equifaxs ongoing actions constitute repeated and willful violations of : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation of disputed information within the statutory 30-day period.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681g ( a ) ( 2 ) Failure to disclose the method and source of verification.

15 U.S.C. 1681s-2 ( b ) Furnishers failed to investigate, and Equifax failed to delete unverifiable items.

15 U.S.C. 1681n and 1681o Civil liability for willful and negligent noncompliance. 

Disputed Accounts ( all of which remain inaccurately or fraudulently reported XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Reporting 120+ day delinquency on a {$740000.00} balance without any contractual proof or payment verification. 
XXXX XXXX XXXX XXXX Accounts # XXXXXXXX XXXX XXXX XXXX XXXX  and # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off accounts with conflicting activity dates and no validation under Metro 2 or the FCRA. 
XXXX. XXXX XXXX Account # XXXX, # XXXX, and # XXXX All show charge-offs with inconsistent balances, activity dates, and no signed contracts or billing statements. These appear to be duplicated. 
XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a {$4400.00} charge-off with no Metro 2 compliance and no proof of accuracy. 
XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still shows {$1700.00} charge-off ; no response to validation request or itemization of charges. 
XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported as a collection with no supporting documentation or signed agreement. 
XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Marked 30 days late despite prior disputes and no confirmation from the furnisher. 


Attached Documents : FTC Report Confirmation ( Report # XXXX ) Prior dispute letters Documentation previously submitted to Equifax and the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1.
Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus XXXX XXXX XXXX XXXX  and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding Checkr , Inc. and its role in processing a background check initiated by XXXX, which was based on incorrect personal informationspecifically, an inaccurate Social Security Number. This error has resulted in a background check that remains incomplete and insufficient, negatively affecting my ability to work with XXXX. 

Upon applying to XXXX XXXX XXXXXXXX, my background check was submitted through Checkr. I provided the only Social Security Number I have and to Checkr did 3 background checks that cleared in XXXX, XXXX and XXXX, this error appears to have originated on XXXX end. As a result, Checkr was unable to complete the background screening, citing insufficient information. 

What is even more troubling is that Checkr offers no viable means for individuals to resolve such issues. I have made multiple attempts to contact Checkr directlyby phone, email, and even mailbut have not received any response or acknowledgment. The lack of customer service or a direct line of communication makes it virtually impossible to dispute or correct the information used in the report. This is not only deeply frustrating but also a potential violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am requesting the Bureau 's assistance in investigating this matter, including : Verifying the source of the incorrect Social Security Number.

Holding Checkr accountable for its lack of accessible consumer support. 

Ensuring that inaccurate background reports are promptly corrected and that individuals are given a fair chance to dispute such findings. 

This situation has caused unnecessary delays in my employment and has left me with no recourse to correct or contest the inaccurate data used against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have my car loan through BMO. I always pay on the due date on line. I made this months payment on XX/XX/XXXX. The due date was XX/XX/XXXX. I received an e-mail on XX/XX/XXXX from them saying the funds transfer has been scheduled and they should receive the funds within 3 business days. I received another notification on XX/XX/XXXX saying the payment is currently pending. Today I received another notice that I am past due!! I called them and spoke to their Rep who told me that it shows that I am only 1 day late and that If I want the payment to post to them quicker that I should call in the payment! I dont believe that Its my responsibility to try and get them their money quicker! I think they should have some kind of warning on their site that warns you of their slow posting practice. Do they do this on purpose to get late fees from people. If I did not get the friendly reminder would they have tacked on the late fee after 10 days? Probably nothing can be done but it XXXX  XXXX XXXX  XXXX  when these people tell me that Im late ( even by 1 day ) when I know that I paid on early/on time! I knew that BMO would be a problem when they bought the loan from the original lender. 

Thank you. 
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 2025-05-27 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: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: AL

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 non-monetary relief