vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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 filing a formal dispute against TRANSUNION, EXPERIAN, AND EQUIFAX regarding multiple inaccurate and inconsistent reports of a closed account XXXX that is being reported differently across the three major credit bureaus. These errors are violating the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to my credit profile at a time when I am in the process of securing home financing. This account is closed, yet the three credit bureaus report different statuses : Equifax reports it as open, which is inaccurate. Experian correctly reports it as paid. TransUnion reports it as closed. The same account is being reported under different account numbers across the three credit bureaus, which is misleading and violates FCRA accuracy requirements. Equifax is reporting a XXXX XXXX monthly payment and a {$920.00} balance on a closed account, which is inaccurate. A closed account should reflect a {$0.00} balance and no monthly payment. The payment history for this account is inconsistent across the credit bureaus, further confirming data integrity issues in reporting. The multiple inaccuracies in this accounts reporting violate several provisions of federal consumer protection laws, including : 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Accuracy, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ) Improper Reporting of Closed Accounts,15 U.S.C . 1681i. Due to these multiple reporting errors, legal violations, and the financial harm this is causing,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute against TRANSUNION, EXPERIAN, AND EQUIFAX regarding multiple inaccurate and inconsistent reports of a closed account XXXX that is being reported differently across the three major credit bureaus. These errors are violating the Fair Credit Reporting Act ( FCRA ) and are causing significant harm to my credit profile at a time when I am in the process of securing home financing. This account is closed, yet the three credit bureaus report different statuses : Equifax reports it as open, which is inaccurate. Experian correctly reports it as paid. TransUnion reports it as closed. The same account is being reported under different account numbers across the three credit bureaus, which is misleading and violates FCRA accuracy requirements. Equifax is reporting a XXXX XXXX monthly payment and a {$920.00} balance on a closed account, which is inaccurate. A closed account should reflect a {$0.00} balance and no monthly payment. The payment history for this account is inconsistent across the credit bureaus, further confirming data integrity issues in reporting. The multiple inaccuracies in this accounts reporting violate several provisions of federal consumer protection laws, including : 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Accuracy, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681c ( a ) ( 5 ) Improper Reporting of Closed Accounts,15 U.S.C . 1681i. Due to these multiple reporting errors, legal violations, and the financial harm this is causing,

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 2025-03-13 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

The following items I am disputing are the following : XXXX - XX/XX/year> Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-03-13 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: TN

Complaint narrative:
In XXXX of 2024, it was announced that DOGE, the Department of Government EfficiencXXXX had unauthorized access to all student loans. Per the agreement originally signed, this department does not have access to my information and now my personal sensitive information is now in a vulnerable state. 

This essentially voids all signed agreements in place since my privacy was violated by a department that did not exist upon initial signing. Because these terms were violated, I now request that all of the general loans owed are null and void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2025-03-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX 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 2025-03-14 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: USCB Corporation
State: GA

Complaint narrative:
Im constantly receiving calls and emails from different companys regarding student loans debt, credit card debt, and debt from a school that I didnt attend a semester at.

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 2025-03-13 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:
There's no Credit Scores Reporting and any account reporting on my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: IL

Complaint narrative:
I have reason to believe that my confidential information has been compromised via MOHELA via the Department of Education. Unauthorized personnel were given access to my information ( including social security number, address, etc ) and I have legitimate concerns that my identity will be stolen. This is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have a Chase credit card. I have taken numerous cash advances from them in the past. I looked at the last two statements and noticed that they have not been applying my excess payments to the higher cash-advance APR ( after I made the entire minimum payment two weeks earlier ). My XXXX  Statement shows the cash advance subject to their 29.24 % interest was {$1500.00}. Two payments were made in XXXX. One on XX/XX/XXXX for {$160.00} which covered the entire minimum due, and a second on XX/XX/XXXX for {$1000.00} in hopes to get the higher interest paid down. 
In the " Account Summary '' for this XXXX statement it lists a " Cash Access Line '' of {$1400.00} and also lists " Available for Cash '' amount of {$520.00}. I was under the assumption that the extra payment of {$1000.00} would pay off the higher 29.24 % interest completely ( adding {$1000.00} + {$520.00} exceeds my entire {$1400.00} " XXXX XXXX XXXX '' ) Also for the record I did not make any cash advances whatsoever in XXXX. 
When I received my XXXX statement I noticed under the " INTEREST CHARGES '' section that {$920.00} of " XXXX XXXX '' had a " Balance Subject to Interest Rate ''. 
I called Chase about 30 minutes ago and spoke to XXXX XXXX on their " Escalation Team ''. After explaining the above to him he apologized and said he understood my point but they did not have a " System in Place '' to make any adjustments. I referenced " The Credit Card Act '' of 2009 and he replied that he can not help me with " some act '' that he is not even aware of. Please help me. I have not done so yet but I can look at earlier statements and probably show that Chase has been consistently overcharging me with the higher APR cash-advance rate in months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

The following items I am disputing are the following : XXXXXXXX XXXX  - XXXX - {$3600.00} XXXX  XXXX - XXXX - {$1000.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-13 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: PA

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-03-13 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXXXXXX XXXX XXXX - XXXX : {$240.00} - Account # : XXXX XXXX XXXX - Balance : {$190.00} - Account # : XXXX XXXX XXXX - Balance : {$960.00} - Account # : XXXX XXXX XXXXXXXX XXXX  - XXXX : {$11000.00} - Account # : XXXX XXXX XXXX AUTO CRE - Balance : {$24000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : FIRST PREMIER, 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 consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
Data Breach Impact I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. 
In accordance with 15 U.S.C. 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report XXXX XXXX # XXXX # XXXX XXXX XXXX # XXXX # XXXX  # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C. XXXX. This action will include claims for the following violations : Defamation of Character Negligent Enhancement of Identity Fraud Violations under 15 U.S. Code 1681o, 1681n ( b ), 1681b, 1681c, 1681a ( 4 ) Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681ii ( 7 ) ( Method of Verification )

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 2025-03-13 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2025-03-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-13 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 am writing to complain about Equifax, Experian and TransUnion in regard to items I need deleted from my credit report. I have sent in the required documentation, and they are refusing to delete these inaccurate/fraudulent accounts from my reports. I am a victim of identity theft. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commision and enclosed a copy to them all along with my ID. They have in sense violated my consumer privacy rights 15 USC 1681 A ( 3 ), and also never had permissible purpose under 1681 B ( 2 ). I never instructed them to furnish my report. In fact, I never consented to these reports in the first place. Please delete the items as soon as possible. I have been unable to secure a home and other necessities because of the errors and inaccuracies. The accounts I am requesting be deleted are as follows 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 I have also sent them handwritten complaints and request for deletion due to the theft of my identity. There has been no response nor action of deletion. this has been well over 90 days ago and now I am revisiting the issue and including the CFPB to try and get the situation resolved.

Company response to consumer: Closed with explanation