vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: CT

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX  XXXX JEFFERSON CAPITAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute the account. if you believe you sent proper notification, please provide 'CERTIFIED MAIL ' with receipt displaying my signature. If not please delete this account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX CARD XXXX * * * * Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * Balance : {$130.00} XXXX FIN XXXX * * * * Balance : {$0.00} XXXX FIN XXXX * * * * Balance : {$0.00} Chapter XXXX Bankruptcy Dismissed Date XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I contacted XXXX XXXX ( TD Bank ) to inquire as to why my account received a collections letter to the house. When I called they told me I am not delinquent but there is fraud on the account so they need me to call back the next day to talk to fraud about the account. They could not tell me anything but it has a fraud alert. I continued to request information about why I have a collections letter and if that had to do with the fraud. They would not answer any questions. I asked for a supervisor and after talking for a few minutes the supervisor hung up. I called back and asked to file a complaint with them for the 4th time, they did not have a process to take the complaint.

I thought creditors/banks had to have a process to receive and respond to complaints.

No one helped me, I still dont know what the fraud is or if I should be closing this credit account. I dont know if it was a data breech or if it was just my credit account that has issues, if it has issues at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XXXX 2025, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data. These actions prove a pattern of systemic negligence in the industry. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-05-16 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NV

Complaint narrative:
As Mohela systems changed in XXXX of XXXX, I am missing significant documentation about the timeline of events. I have records of my payments and records of my loans being put into forbearance with 0 % interest, but interest has still accrued. 

There is a large discrepancy between the last available balance from XX/XX/XXXX ( {$130000.00} ) when 0 % deferment was in place and the current MOHELA balance ( {$140000.00} ). 

MOHELA has added {$16000.00} of interest during 0 % interest forbearance. 

I have also identified significant errors in their documentation. 

For example, one of my XXXX XXXX  had the following balances at the following dates. These were all taken directly from communications sent by MOHELA. 

All during 0 % interest forbearance. 

* XX/XX/XXXX : {$8600.00} * XX/XX/XXXX : {$9100.00} * XX/XX/XXXX : {$7.00} * XX/XX/XXXX : {$56.00} * XX/XX/XXXX : {$8700.00} * XX/XX/XXXX : {$8600.00} * XX/XX/XXXX ( from MOHELA website ) : {$9300.00} Even the standard Interest Calculations before the forbearance don't make sense. 

Sum of All Loans * XX/XX/XXXX : {$130000.00} * XX/XX/XXXX : {$130000.00} ( + {$6400.00}, but the form stated interest was {$620.00} ) * XX/XX/XXXX : {$140000.00} ( + {$760.00} ) * XX/XX/XXXX : {$140000.00} ( + {$590.00} ) No documentation sent XXXX, XXXX, XX/XX/XXXX * XX/XX/XXXX : {$130000.00} ( - {$6100.00} ) * XX/XX/XXXX : {$130000.00} ( - {$55.00} ) * XX/XX/XXXX : {$130000.00} ( - {$1200.00} ) * XX/XX/XXXX : {$130000.00} ( - {$510.00} ) * XX/XX/XXXX : {$130000.00} ( no change ) Statements not sent in XXXX, XXXX, XXXX, XXXX, XXXX, or XXXX. 

* XX/XX/XXXX ( from MOHELA website ) : {$140000.00} ( + {$17000.00} ) During the 0 % interest forbearance period which began in XX/XX/XXXX I made modest payments. 

XXXX Payments : - {$1100.00} Furthermore, I am unable to access complete and consistent account history from XXXX through XXXX. With MOHELAs recent system updates and data migration, critical documentation appears to be missing or inaccessible, including : 1. Detailed monthly statements 2. Historical interest accrual logs 3. Forbearance and deferment records prior to XXXX 4. A complete payment history for the duration of my loans These gaps make it nearly impossible to reconcile my account or verify MOHELAs calculations over time. This lack of transparency undermines my ability to manage my student debt responsibly and raises serious concerns about recordkeeping and regulatory compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
Issue : Missing tradeline affecting credit score I have a XXXX XXXX XXXX XXXX called " Double Up '' with a {$14000.00} credit limit. This card is in good standing and Ive never missed a payment. 

XXXX XXXX  representatives ( XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX and XXXX, XXXX  ) confirmed that they report my credit activity to XXXX, XXXX, and Experian every 31 days. 

However, my Experian credit report does NOT show this account at all. I called Experian, but the manager on duty was unhelpful and told me it was a XXXX XXXX  issue. 

I pulled all three credit reports. XXXX  and XXXX  show the account with accurate, up-to-date information. Experian does not. 

In XX/XX/XXXX, my credit score was XXXX. It dropped to XXXX because Experian reports that Your total credit limit decreased by {$14000.00}. That is incorrect. The account is open and in good standing. 

This also happened in XX/XX/XXXX, so I am asking for a permanent resolution to ensure Experian properly receives and displays my XXXX XXXX XXXX XXXX information going forward. 

Additionally, I request that my credit score be adjusted to reflect this error once the tradeline is restored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CO

Complaint narrative:
I am writing to formally notify you that I am a confirmed victim of the 2017 Equifax data breach, which exposed the personal identifying information of over XXXX XXXX XXXX, including mine. As a result of this breach, I have reason to believe that unauthorized and fraudulent accounts and/or inaccurate information have been reported on my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am asserting my rights as an identity theft victim to request that all information resulting from fraud, including any accounts, inquiries, or collections that do not belong to me, be permanently blocked from my credit report. The FCRA requires consumer reporting agencies to block such information within 4 business days of receiving : Proof of identity ; A copy of a valid identity theft report The identification of the fraudulent information in question ; and A statement that the information is not related to any transaction I made.

Furthermore, the credit reporting agencies have a legal obligation to ensure the maximum possible accuracy of the data they report under 15 U.S.C. 1681e ( b ). The continued reporting of inaccurate, unverifiable, or fraudulent information is a violation of federal law.

I am requesting an immediate investigation and the removal or permanent blocking of all items on my credit report that do not belong to me, which I believe are the result of identity theft stemming from the Equifax data breach.

Please consider this a formal complaint and request for enforcement action, as I have exhausted attempts to correct this directly with the credit bureaus and furnishers of the information. I respectfully ask that the CFPB hold these entities accountable and ensure my consumer rights are protected.

I am prepared to provide supporting documentation, including my identity theft report, upon request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Self Financial Inc.
State: WI

Complaint narrative:
I reviewed my credit report and found an account I do not recognize or recall authorizing. The account includes a balance, negative payment history, and/or collections activity, but I have never received documentation, billing statements, or communication from the company about it. 
I submitted an FTC Identity Theft Report and have disputed this item with the credit bureaus under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B. I also requested documentation directly from the company to verify that I opened or authorized the account. To date, no such documentation has been provided. 
The presence of this unverified account is negatively impacting my credit, and I should not be held responsible for it. I have attached my FTC Identity Theft Report and supporting identification. I am asking that this account be investigated and removed from my credit file if the company can not provide clear proof of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I am sending this complaint regarding fraudulent items on my credit report that I have requested to be deleted. Despite my previous communications, these inquirieshave not been addressed. I am formally requesting the removal of the following fraudulent items : XXXX XX/XX/year> DEPT OF ED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am formally requesting the removal of fraudulent information from your credit report due to identity theft. The report includes unauthorized accounts and inquiries that do not belong to you. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are asking for these items to be blocked and removed. Ive attached a list of disputed items and an FTC Identity Theft Report. I also request a prompt investigation and written confirmation once the corrections are completed.

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