vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: MO

Complaint narrative:
I am filing this complaint to formally object to XXXX  continued and improper use of my consumer credit information. I am demanding to opt out of XXXX  practice of reporting inaccurate, misleading, or derogatory information on my credit file.

Under 15 U.S.C. 6802 ( Obligations of Financial Institutions ) and 15 U.S.C. 6805 ( Enforcement ), I assert my right to financial privacy. These statutes clearly prohibit financial institutions from disclosing nonpublic personal information without providing clear opt-out notices and giving the consumer the opportunity to decline such disclosure. I have not received sufficient notice or opportunity to exercise that right in relation to XXXX  credit reporting practices. 

In addition, XXXX  actions appear to violate 15 U.S.C. 1681b, which governs the permissible purposes of accessing and using consumer reports. Any continued access to or reporting of my personal credit information that is inaccurate, outdated, or obtained without proper purpose constitutes a breach of federal law.

I further invoke my rights under the Family Educational Rights and Privacy Act of 1974 ( FERPA ), 20 U.S.C. 1232g, and 34 C.F.R. Part 99, which strictly limit the disclosure of educational recordsincluding financial aid datawithout the students written consent. XXXX, as a student loan servicer handling Title IV funds, is subject to XXXX and is therefore obligated to maintain confidentiality of all student-related information unless explicitly authorized otherwise.

Additionally, pursuant to 16 C.F.R. Part 313, which governs privacy of consumer financial information under the Gramm-Leach-Bliley Act, XXXX is bound by strict rules regarding the sharing and use of consumer data and must adhere to both initial and annual privacy notice requirements. Failure to comply with these obligations is a direct violation of federal law.

I also cite 5 U.S.C. 552a ( The Privacy Act of 1974 ), which provides me the right to request correction of records maintained by federal agencies and their agents when such records are incorrect or misleading. XXXX is either acting as or on behalf of a federal agency and must comply with this requirement. 

Furthermore, I demand that XXXX immediately cease any use of deceptive, misleading, or fraudulent language in any communication, filing, or reporting that pertains to my account under the authority of 17 C.F.R. 240.10b-5 and 17 C.F.R. 424, which govern disclosures and anti-fraud provisions under the Securities Exchange Act. Misrepresentation in the context of financial disclosures or reporting is not only unlawful, but subject to enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MOHELA
State: MO

Complaint narrative:
I am filing this complaint to formally object to MOHELAs continued and improper use of my consumer credit information. I am demanding to opt out of MOHELAs practice of reporting inaccurate, misleading, or derogatory information on my credit file.

Under 15 U.S.C. 6802 ( Obligations of Financial Institutions ) and 15 U.S.C. 6805 ( Enforcement ), I assert my right to financial privacy. These statutes clearly prohibit financial institutions from disclosing nonpublic personal information without providing clear opt-out notices and giving the consumer
the opportunity to decline such disclosure. I have not received sufficient notice or opportunity to exercise that right in relation to MOHELAs credit reporting practices.

In addition, MOHELAs actions appear to violate 15 U.S.C. 1681b, which governs the permissible purposes of accessing and using consumer reports. Any continued access to or reporting of my personal credit information that is inaccurate, outdated, or obtained without proper purpose constitutes a breach of federal law.

I further invoke my rights under the Family Educational Rights and Privacy Act of 1974 ( FERPA ), 20 U.S.C. 1232g, and 34 C.F.R. Part 99, which strictly limit the disclosure of educational recordsincluding financial aid datawithout the students written consent. MOHELA, as a student loan servicer handling Title IV funds, is subject to FERPA and is therefore obligated to maintain confidentiality of all student-related information unless explicitly authorized otherwise.

Additionally, pursuant to 16 C.F.R. Part 313, which governs privacy of consumer financial information under the Gramm-Leach-Bliley Act, MOHELA is bound by strict rules regarding the sharing and use of consumer data and must adhere to both initial and annual privacy notice requirements. Failure to comply with these obligations is a direct violation of federal law.

I also cite 5 U.S.C. 552a ( The Privacy Act of 1974 ), which provides me the right to request correction of records maintained by federal agencies and their agents when such records are incorrect or misleading. MOHELA is either acting as or on behalf of a federal agency and must comply with this requirement.

Furthermore, I demand that MOHELA immediately cease any use of deceptive, misleading, or fraudulent language in any communication, filing, or reporting that pertains to my account under the authority of 17 C.F.R. 240.10b-5 and 17 C.F.R. 424, which govern disclosures and anti-fraud provisions under the Securities Exchange Act. Misrepresentation in the context of financial disclosures or reporting is not only unlawful, but subject to enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
I

noticed an unauthorized hard inquiry on my consumer report that I would like removed. This is a violation of the FCRA and these unverified or unauthorized inquiries must be removed. I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. If not, I asked that this unauthorized inquiry be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, XXXX Customer Support : XXXX XXXX, has violated my rights. 

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 XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generall if, after any reinvestigation under paragraph ( XXXX ) 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 XXXX 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. 

15 U.S.C. XXXXB ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Account name XXXX : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, XXXX Customer Support : XXXX XXXX, has violated my rights. 

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 XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generall if, after any reinvestigation under paragraph ( XXXX ) 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 XXXX 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. 

15 U.S.C. XXXXB ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sent from my 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 non-monetary relief
Consumer complaint received 2025-04-12 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: NC

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 XXXXB 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 2025-04-12 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: MI

Complaint narrative:
I am writing to complain and dispute inaccurate information on my credit report regarding the XXXX XXXX XXXX  listed above. Specifically, I am disputing the following XXXX XXXX XXXX XXXX Your report indicates misinformation - and inaccurate information - regarding the Date of Last Activity, the Date Opened, Last Payment Amount, Account Type, and the Payment History for XXXX and XXXX. As XXXX proves I was never late in XXXX and Transunion and Experian Prove I was not late in XXXX. The payment was made on time, and this inaccuracy proves there was an error in processing.

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 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: AR

Complaint narrative:
I purchased an item from wayfair using Klarna in 2022. The item was advertised as shipping within a week. After purchase I was sent an email stating it would take 1 1/2 months to ship. I immediately canceled item. I was charged a restocking fee and still charged shipping fees even though the item hadnt shipped. XXXX refused to refund this money in the amount of {$320.00}. I had to contact my bank and they did a charge back. I am now trying to get a mortgage and the underwriters want me to have a XXXX balance on Klarna. I contacted Klarna and they refuse to remove the balance and wont even allow me to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am filing this complaint to request the immediate removal of an inaccurate and unverified account reported by XXXX XXXX XXXX ( account ending in XXXX ) from my Equifax consumer credit report. 

I do not acknowledge this debt and have submitted a formal dispute and debt validation request to XXXX XXXX XXXX. To date, they have failed to provide proper validation of the alleged debt as required by the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). Despite this, Equifax continues to report the account, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i Section 611 ).

Additionally, the continued reporting of a disputed, unvalidated, and potentially inaccurate debt can be seen as willful noncompliance with federal law and is causing undue harm to my credit profile. 

I have sent a written request to Equifax demanding removal of this account within XXXX business days under the authority of FCRA Sections 611 and 605B, and have cited relevant FDCPA protections. I am requesting that the CFPB assist in having this account permanently removed from my Equifax credit report, and that both XXXX XXXX XXXX and Equifax be held accountable for the failure to investigate and correct inaccurate reporting. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am filing a complaint against NetCredit regarding their line of credit account ( Account # XXXX ). I originally borrowed approximately {$2100.00} but have since made regular biweekly paymentsoften around {$170.00} {$180.00}. Despite this, my balance has barely gone down over time. 

NetCredit has charged me excessive and recurring Statement Balance Fees and XXXX XXXX  Fees that significantly reduce the impact of my payments. This structure has kept me trapped in a cycle of debt and feels financially abusive and predatory. In just a few months, I was charged over {$1200.00} in fees, while my principal remained nearly the same. 

I have formally requested the closure of this account and clearly informed NetCredit that I will not be making any further payments. I also revoked their access to my bank account under the Electronic Fund Transfer Act. They responded only by canceling XXXX but continue to treat the account as active, attempting to pressure me to pay with threats of credit reporting. 

I am requesting the CFPB to investigate this companys lending practices. I also request that my account be closed and reported as paid/settled, without further damage to my credit report. I am willing to submit documentation of my payment history and statements showing the fees and minimal principal reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Immediate Removal of Inaccurate Mortgage Account Reporting To Whom It May Concern, This letter serves as a formal dispute and demand for immediate removal of inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. The mortgage account under XXXX, with the masked number ending in XXXX, is reported inconsistently across all three credit bureaus, and the discrepancies outlined below constitute a breach of your legal obligations to maintain accurate and consistent data.

Additionally, this account is falsely reporting multiple late payments. I have never missed a payment on this mortgage account, and the presence of any derogatory payment history is completely inaccurate and unlawful. These late marks must be removed immediately.

Field TransUnion Experian Equifax Account Status Closed Paid Paid Date Opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Payment Status Late 120 Days Late 120 Days Late 120 Days Balance {$0.00} {$0.00} {$0.00} Past Due {$0.00} {$0.00} {$0.00} Last Reported XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These discrepancies are materially harmful and misleading. For example, the account shows as 'Closed ' on TransUnion while marked 'Paid ' on the others. The opening dates are also inconsistent, and more egregiously, all three bureaus continue reporting 'Late 120 Days ' despite the balance being {$0.00} and the account marked as resolved.

This constitutes inaccurate and outdated information under the FCRA. I am demanding the immediate and permanent removal of this mortgage account from all three credit bureaus. If not removed within 15 calendar days of receipt of this notice, I will proceed with the following actions : - File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) - Submit a complaint to the Florida State Attorney General - Initiate legal proceedings for statutory and punitive damages due to willful noncompliance This letter and any attachments are being retained for legal documentation purposes. I expect a formal response and evidence of immediate and permanent removal within 15 days. Govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief