vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 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: MI

Complaint narrative:
Opened : XX/XX/year> Closed : XXXX XXXX XXXX Department of education {$4000.00} Opened : XX/XX/XXXX, XXXX Closed : XXXX XXXX XXXX Department of education {$2200.00} Opened : XXXX XXXX Department of education {$33000.00} XX/XX/XXXX, payments went from deferred to late. 
XX/XX/XXXX, Locked out of account login information did not work and account deactivated XX/XX/XXXX, hack on my credit file XX/XX/XXXX, Data leak from the Department of education XX/XX/XXXX, payment now current did not make any changes

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 2025-03-28 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-03-28 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: OH

Complaint narrative:
Dear Sir or Madam, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking : XXXX ). XXXX XXXX ( account number # XXXX ) /Balance : $ XXXX Opened XX/XX/year> XXXX ) XXXX XXXXXXXX XXXX XXXX  ( account number # XXXX ) /Balance : {$22000.00} / Opened XX/XX/year> XXXX ). XXXXXXXX XXXX ( account number # XXXX ) /Balance : $ XXXX Opened XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this Matter. 

Sincerely, 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 2025-03-28 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, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX INQUIRIES XXXX XXXX - XX/XX/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 - XX/XX/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 explanation
Consumer complaint received 2025-03-28 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:
On XX/XX/year>, I mailed a formal dispute to TransUnion, challenging the accuracy of the following item on my credit report : XXXX XXXX XXXXXXXX In the dispute, I requested a reinvestigation and removal of the account if it could not be verified. I cited FCRA 1681i ( a ), which requires TransUnion to conduct a reasonable investigation and respond within 30 days of receiving the notice. I also requested : A free updated credit report Notification to any parties who accessed my file in the past six months, as required under FCRA 1681i ( d ) As of today, I have not received any response from TransUnion, which is a clear violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). This failure to investigate and respond to a valid consumer dispute within the required timeframe is unacceptable and unlawful.

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 2025-03-28 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: OH

Complaint narrative:
Mohela continues to report loans that were consolidated in XXXX of XXXX I have called them and was assured that this information has been updated yet they are still reporting this information on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this Year. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX - XX/XX/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 XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-03-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Early in 2021, an individual named XXXX XXXX stole my father and my identity, charged our credit cards, and opened a Capital One account in my name. 

I've since filed a lawsuit against this person in XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX ( see attached ). Further, I've disputed this account with XXXX, XXXX, and XXXX. XXXX is the only company who has not yet removed this fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-28 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: NJ

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-27 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: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why. I check my credit report regularly, and this has never happened before. Thinking it might be a glitch, I refreshed my browser, but the issue remained. This is completely unacceptable, and I demand that the documents I submitted be thoroughly reviewed so I never have to deal with this stress again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Credit Dispute XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting a formal complaint regarding inaccurate information on my credit report that has not been properly addressed by [ Credit Bureau XXXX XXXX XXXX Despite my efforts to resolve this matter directly, the errors persist, and I am requesting your intervention under the Fair Credit Reporting Act ( FCRA ). 

Disputed Item : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name : Southwest Credit XXXX Account XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name : XXXX  Account Number : XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft I have previously contacted [ Credit Bureau Name ] on [ Date of XXXX XXXX ] regarding this issue. However, they have failed to correct the error or provide sufficient justification for the inaccurate reporting. I have attached copies of all relevant documentation, including : My dispute letter to the credit bureau I request that the Consumer Financial Protection Bureau review this matter and take appropriate action to ensure the inaccurate information is corrected. Please provide me with an update on the progress of this complaint at your earliest convenience. 

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Credit Dispute XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting a formal complaint regarding inaccurate information on my credit report that has not been properly addressed by [ Credit Bureau XXXX XXXX XXXX Despite my efforts to resolve this matter directly, the errors persist, and I am requesting your intervention under the Fair Credit Reporting Act ( FCRA ). 

Disputed Item : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name : Southwest Credit XXXX Account XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft Disputed Item : Creditor Name : XXXX  Account Number : XXXX Date of Issue : XX/XX/year> Description of Error : " This account is not mine, '' I am a victim of identity theft I have previously contacted [ Credit Bureau Name ] on [ Date of XXXX XXXX ] regarding this issue. However, they have failed to correct the error or provide sufficient justification for the inaccurate reporting. I have attached copies of all relevant documentation, including : My dispute letter to the credit bureau I request that the Consumer Financial Protection Bureau review this matter and take appropriate action to ensure the inaccurate information is corrected. Please provide me with an update on the progress of this complaint at your earliest convenience. 

Thank you for your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2025-03-28 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave 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 non-monetary relief
Consumer complaint received 2025-03-28 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief