vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
All the hard inquiries in my report is incorrect I dont authorize any of this companies to run my credit report please remove this all hard inquiries its wrong and I dont authorize it please

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 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
My personal and financial information was compromised without my authorization. The XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts that are negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im writing to formally dispute incorrect information currently reflected on my credit report. This entry is inaccurate and, frankly, its damaging my credit, which is completely unjustified. I did not authorize this, and it has no place on my record.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to XXXX XXXX, any billing mistake should be fixed and marked as paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MO

Complaint narrative:
Upon reviewing my Experian credit report, I noticed several unauthorized hard inquiries from the following companies : CAP ONE NA on [ XXXX, 2024 ] XXXX XXXX XXXX XXXX  on [ XX/XX/year> ] XXXXXXXX XXXX on [ XX/XX/year> ] XXXX XXXX on [ XX/XX/year> ] I did not apply for credit with any of these companies and did not authorize them to pull my credit report. I only submitted XXXX credit application in [ insert month/year ], and I was not informed that multiple companies would be accessing my credit file. 

These inquiries were not disclosed to me at the time of application, and I believe they were made in error or without my permission. I am concerned about the impact these unauthorized inquiries have had on my credit score and creditworthiness. 

I am requesting that these inquiries be removed from my credit report immediately and that the companies involved provide an explanation and confirmation that no credit accounts were opened in my name as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have never a physical card from this creditor that is in collections they should remove this immediately from my report I have no agreement to any or agreed to pay for something they can not provide original documents of my signature original documents from creditors that have been sent these collection agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: AL

Complaint narrative:
my name is XXXX and I disputed a XXXXXXXX XXXX XXXX  charge-off on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the CRAs advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within XXXX  days or less. if the unverifiable account is not removed within XXXX  days or less, please include any consumer laws that include my right to sue and take legal action.

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 2025-03-24 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: AL

Complaint narrative:
my name is XXXX and I disputed a XXXXXXXX XXXX XXXX charge-off on my XXXX secondary credit report. After my dispute, the investigation was completed on XX/XX/year>. the account was deleted from my XXXX report. Generate a letter I can upload to the CFPB and send to the CRAs advising them of the deletion from XXXX. Include if XXXX deleted the account completely they will have to do the same due to the account now being verified. include any consumer laws that protect me as a consumer and encourage the credit reporting agencies to remove the unverifiable debt from my credit report within 30 days or less. if the unverifiable account is not removed within 30 days or less, please include any consumer laws that include my right to sue and take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: WI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-03-24 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:
I recently reviewed a copy of my credit report and found fraudulent accounts on my report. I want these accounts removed. I am in the process of getting a home and this is effecting my credit. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: GA

Complaint narrative:
I looked at my report back on XX/XX/year>, 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. These accounts [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX are not complete and accurate. 

[ XXXX  XXXX - XXXX ] ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). [ XXXX  XXXX XXXX ] ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). [ XXXX  XXXX XXXX ] ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ). [ XXXX  XXXX XXXX ] ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ), [ XXXX  XXXX XXXX ] ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ), [ XXXX XXXX XXXX XXXX ] ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ), [ XXXX XXXX XXXX XXXX ], ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) [ XXXX XXXX XXXX ] ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) [ XXXX XXXX XXXX  XXXX XXXX XXXX ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ) [ XXXX  XXXX XXXX XXXX XXXX, ( open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the unauthorized compromise of my personal and financial information, which has occurred without my consent. Under the Family Educational Rights and Privacy Act ( FERPA ), student records are to be kept confidential, and any breach of this information is a clear and direct violation of my rights.

It has come to my attention that my personal and financial details were improperly accessed and disclosed, leading to a severe breach of my privacy. This breach not only violates federal privacy protections but also places me at risk of identity theft and financial harm. Given the severity of this issue, I request an immediate investigation into this matter and the prompt discharge of the affected student loans associated with my compromised information.

As a borrower, I have the right to have my personal and financial data safeguarded against unauthorized access. Since this fundamental protection has been violated, I demand that corrective action be taken without delay. Please provide me with written confirmation of the steps being taken to resolve this issue and to ensure that my rights are upheld.

I expect a response within 30 days of receipt of this letter, outlining the actions your office will take regarding the discharge of my loans due to this violation. Should I not receive an adequate resolution, I am prepared to escalate this matter to the U.S. Department of Education and other relevant authorities.

Please confirm receipt of this dispute letter at your earliest convenience. I appreciate your prompt attention to this urgent matter.

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 2025-03-24 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: FL

Complaint narrative:
I am writing to formally dispute the unauthorized compromise of my personal and financial information, which has occurred without my consent. Under the Family Educational Rights and Privacy Act ( FERPA ), student records are to be kept confidential, and any breach of this information is a clear and direct violation of my rights.

It has come to my attention that my personal and financial details were improperly accessed and disclosed, leading to a severe breach of my privacy. This breach not only violates federal privacy protections but also places me at risk of identity theft and financial harm. Given the severity of this issue, I request an immediate investigation into this matter and the prompt discharge of the affected student loans associated with my compromised information. 

As a borrower, I have the right to have my personal and financial data safeguarded against unauthorized access. Since this fundamental protection has been violated, I demand that corrective action be taken without delay. Please provide me with written confirmation of the steps being taken to resolve this issue and to ensure that my rights are upheld.

I expect a response within 30 days of receipt of this letter, outlining the actions your office will take regarding the discharge of my loans due to this violation. Should I not receive an adequate resolution, I am prepared to escalate this matter to the U.S. Department of Education and other relevant authorities.

Please confirm receipt of this dispute letter at your earliest convenience. I appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the unauthorized compromise of my personal and financial information, which has occurred without my consent. Under the Family Educational Rights and Privacy Act ( FERPA ), student records are to be kept confidential, and any breach of this information is a clear and direct violation of my rights.

It has come to my attention that my personal and financial details were improperly accessed and disclosed, leading to a severe breach of my privacy. This breach not only violates federal privacy protections but also places me at risk of identity theft and financial harm. Given the severity of this issue, I request an immediate investigation into this matter and the prompt discharge of the affected student loans associated with my compromised information. 

As a borrower, I have the right to have my personal and financial data safeguarded against unauthorized access. Since this fundamental protection has been violated, I demand that corrective action be taken without delay. Please provide me with written confirmation of the steps being taken to resolve this issue and to ensure that my rights are upheld. 

I expect a response within 30 days of receipt of this letter, outlining the actions your office will take regarding the discharge of my loans due to this violation. Should I not receive an adequate resolution, I am prepared to escalate this matter to the U.S. Department of Education and other relevant authorities.

Please confirm receipt of this dispute letter at your earliest convenience. I appreciate your prompt attention to this urgent matter.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I applied for SCRA relief under the Louisiana Statute ; LA Rev Stat 29:312 312. I specifically cited this state provision which extends relief to XXXX XXXX service members AFTER entering military service. 




On XX/XX/year>, Wells Fargo denied my request citing the following reason : " This account was opened after the servicemember entered military service ; therefore, we are unable to provide SCRA benefits. ''

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 2025-03-24 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: MA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report

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