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: Experian Information Solutions Inc.
State: TX

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. 

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 XXXXXXXX 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 2025-04-12 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:
I am sending to formally request the removal of certain inquiries listed on my credit report that I do not recognize or did not authorize. These inquiries may have been made without my knowledge or consent and therefore may constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which outlines the permissible purposes for accessing a consumer 's credit file XXXXXXXX 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 2025-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am sending to formally request the removal of certain inquiries listed on my credit report that I do not recognize or did not authorize. These inquiries may have been made without my knowledge or consent and therefore may constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which outlines the permissible purposes for accessing a consumer 's credit file XXXXXXXX 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 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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

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 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am sending to formally request the removal of certain inquiries listed on my credit report that I do not recognize or did not authorize. These inquiries may have been made without my knowledge or consent and therefore may constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b, which outlines the permissible purposes for accessing a consumer 's credit file XXXXXXXX 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 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: 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 public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing the continued reporting of old, discharged XXXX XXXX from XXXX XXXX XXXX. These loans were serviced by the XXXX Department of EducationXXXX , opened around XXXX and closed by XXXX. 

I applied for and was approved under the Borrower Defense to Repayment program, and these loans were resolved due to XXXX XXXX misconduct and closure. XXXX has already removed the tradelines from my credit report, but XXXX and TransUnion continue to report them, despite them being more than 7 years old and resolved through federal discharge. 

Under FCRA 605 ( a ), negative information older than 7 years must be removed. Additionally, if the accounts were fully discharged by the Department of Education, they should not reflect any delinquency or derogatory history. 

I am requesting that XXXX and TransUnion remove these obsolete or inaccurate XXXX XXXX  tradelines from my credit report to align with federal records and XXXX  update. 

I have attached a full dispute letter and supporting documents for review.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing the continued reporting of old, discharged XXXX  loans from XXXX XXXX XXXX. These loans were serviced by the U.S. Department of EducationXXXX XXXX opened around XXXX and closed by XXXX. 

I applied for and was approved under the Borrower Defense to Repayment program, and these loans were resolved due to XXXX XXXX misconduct and closure. XXXX has already removed the tradelines from my credit report, but Equifax and XXXX continue to report them, despite them being more than XXXX XXXX XXXX and resolved through federal discharge. 

Under FCRA 605 ( a ), negative information older than 7 years must be removed. Additionally, if the accounts were fully discharged by the Department of Education, they should not reflect any delinquency or derogatory history. 

I am requesting that Equifax and XXXX remove these obsolete or inaccurate student loan tradelines from my credit report to align with federal records and XXXX  update. 

I have attached a full dispute letter and supporting documents for review.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OK

Complaint narrative:
I Opened a U.S. Bank Business Leverage Visa Signature Credit Card with US Bank in XX/XX/XXXX. I closed the account in XX/XX/XXXX within the 30-day grace period which means I would not be charged the {$95.00} Credit Card Annual Fee.

US Bank Withdrew {$95.00} from the account DESPITE the account being closed and the payment method being removed.

They immediately removed all information regarding this account from my US Bank Portal. 

I called in XX/XX/XXXX to determine the status of the {$95.00} refund, and the customer service agent stated that a check was in the mail. I called again in XX/XX/XXXX and a different agent stated the same thing. I called on XX/XX/XXXX, and the agent stated that no check had been refunded.

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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my other request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 2025-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
I leased merchandise from a company called XXXX XXXX while XXXX XXXX several years ago. My account went delinquent during an active lawsuit that was held with XXXX XXXX. 
I had a collections debt for XXXX pop up on my credit report in XX/XX/year>. I have already requested it be removed because the debt is not owed as I was one of the consumers who was in the lawsuit. XXXX XXXX paid me IN FULL instead of me owing any money at all, and I got to keep the merchandise. This collections agency is wrongfully on my credit report as I do not owe XXXX any money at all. Part of the federal lawsuit the CFPB handled was XXXX had to let consumers keep merchandise and they actually owed all their consumer money.

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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My credit reports show several hard inquiries that I did not authorize : XXXX / XXXX XXXX  / XXXX  on XX/XX/XXXX ( on all XXXX bureaus ) XXXX on XX/XX/XXXX ( XXXX only ) I did not apply for credit with any of these entities and did not give written or verbal consent for these credit pulls. I am concerned they may be unauthorized or possibly tied to identity theft, as I was a confirmed victim of the XXXX data breach in XXXX. 

Under FCRA 604, any credit inquiry must have a permissible purpose. These do not. I request that these inquiries be investigated and removed from my credit report. I have attached documentation from my reports highlighting the dates and sources of these inquiries.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: GA

Complaint narrative:
This letter serves as my formal notification and first request to inform you that I am a victim of identity theft. I am sending to dispute and challenge specific entries on my credit report that I believe are the result of fraudulent activity. These records do not reflect any transactions, authorizations, or acquisitions of goods, services, or funds made or approved by me. 

XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX  Opened : XX/XX/XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX  Opened : XX/XX/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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as my formal notification and first request to inform you that I am a victim of identity theft. I am sending to dispute and challenge specific entries on my credit report that I believe are the result of fraudulent activity. These records do not reflect any transactions, authorizations, or acquisitions of goods, services, or funds made or approved by me. 

XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX  Opened : XX/XX/XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX  Opened : XX/XX/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