vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
The following accounts listed are not mine and were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
The following accounts listed are not mine and were unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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  UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
According to the laws of 15 USC 1681 S-2, 15 USC 1681 E ( B ) and the Fair Credit Reporting Act, the following accounts are in violation of my credit report and privacy. 
These accounts have been reported on my credit report and deemed as a profit and loss and also report to the IRS. The creditors can not update a delinquency on my credit report. 
The following accounts are : Account : 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 has been deem as a profit and loss and has been reported to the IRS. This account can not be updated each month as a delinquency this is a violation of the Fair Credit Reporting Act, 15USC 1681 S-2 and 15USC 1681 E ( B ) laws.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
To whom it may concern : I have the right to contest ANY information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. 
The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been XXXX person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with MANY errors in my personal information in which there are also inquiries I have NOT authorized. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! Im requesting evidence to show why my personal information is incorrect. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.The evidence of actions and my updated credit report should be sent via mail. 

XXXX XXXX for all data furnishers should be correctly submitted : TransUnion, Experian, and Equifax. 

NAME : XXXX XXXX XXXX Can you please delete any names in your system that do not match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do not match XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXX NORDIC AV, XXXX, ID XXXX I would appreciate it if you could take care of any address that may be listed incorrectly in your database. My actual address is XXXX XXXX XXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately. 

As a consumer, I have listed the concerns about the data furnishers reporting in this document. It is not complete and does not meet applicable standards because according to law, the data furnishers are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated. 

Appreciatively, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, ID XXXX OR to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX SSN : XXXX DOB : XX/XX/XXXX 1982

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
To whom it may concern : I have the right to contest ANY information on my credit report that I believe is inaccurate, per the Fair Credit Reporting Act. 
The data included in it must be documented and validated before its shown to anyone else, because if not then there 'll just have been XXXX person who wasn't doing their job - which means more mistakes! I challenge the reportability of the allegations within my credit report. They simply are not true! My credit report is riddled with MANY errors in my personal information in which there are also inquiries I have NOT authorized. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting! Please remedy the situation immediately. Non-compliance with regulations and the law is never acceptable! Im requesting evidence to show why my personal information is incorrect. This includes any proof that the creditor had a permissible purpose for making claimed accounts and inquiries.The evidence of actions and my updated credit report should be sent via mail. 

XXXX XXXX for all data furnishers should be correctly submitted : TransUnion, Experian, and Equifax. 

NAME : XXXX XXXX XXXX Can you please delete any names in your system that do not match mine? I want to make sure the database has accurate information about me, so it will help with future transactions if you can get rid of any names in your system that do not match XXXX XXXX XXXX. 

CURRENT ADDRESS : XXXX NORDIC AV, XXXX, ID XXXX I would appreciate it if you could take care of any address that may be listed incorrectly in your database. My actual address is XXXX XXXX XXXX. If you have anything in your system that is different from what I have just mentioned then delete them immediately. 

As a consumer, I have listed the concerns about the data furnishers reporting in this document. It is not complete and does not meet applicable standards because according to law, the data furnishers are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated. 

Appreciatively, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, ID XXXX OR to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX SSN : XXXX DOB : XX/XX/XXXX 1982

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-07 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: CA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-07 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: GA

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 2025-05-07 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-07 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 am writing to formally dispute the accuracy of certain items listed on my Equifax credit report. These accounts may be inaccurately reported or the result of identity compromise, particularly given the history of the Equifax data breach. I request an immediate reinvestigation in accordance with the Fair Credit Reporting Act ( 15 U.S.

Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ). 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6400.00} Please verify the accuracy of these accounts with documentation from the original creditors. If they can not be fully validated, I request that they be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my debt with the National Credit System was removed from all three of my credit bureaus. This debt was fraudulent, stemming from the apartment complex I rented from, the XXXX in XXXX XXXX, back in XXXX. After I left negative feedback, the management created a false invoice for {$1300.00}. Just XXXX days ago, I received a notification that the same collection, which had been removed, was reinstated. 

Reported on XX/XX/XXXX, the National Credit System updated my documents to reflect a date of XX/XX/XXXX. Someone needs to investigate this business ; they are extremely rude and greedy con artists who scam people. If you look at their reviews, you'll see that many others are complaining about the same issues. They manipulated the due date to place me back in collections. I intend to file a lawsuit against them. I am urging the authorities to examine this situation, as something is definitely not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received my credit report and noticed my personal information is incorrect. I'd like my information updated immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

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 2025-05-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: KS

Complaint narrative:
On or about XX/XX/XXXX I requested a transaction transcript for all payments or transactions made towards my loan. I downloaded the transaction transcript and sorted through it. My original loan amount as stated by the original lender XXXX XXXX was {$13000.00} which of that amount roughly {$3000.00} was refunded back from the school bringing my total loan down to {$10000.00}. I have paid to date {$22000.00} which is more than double what the amount owed. I feel I have sufficiently paid the loan back. 

Mohela which took over my loan from XXXX who received it from XXXX XXXX contacted my place of work to pursue payment on my loan. I sent Mohela a cease-and-desist letter on XX/XX/XXXX detailing they stop all contact with me, my family and my employer about this alleged debt as per are my rights through the Fair Debt Collections Practices Act. They responded to me on XX/XX/XXXX via the inbox notification on their website and not through postal service that they feel they are entitled to resume collection activity.

My family member received two letters from Mohela on XX/XX/XXXX and XX/XX/XXXX regarding the alleged debt that I still owe. I feel they have violated my rights by continuing contact.

Company response to consumer: Closed with explanation