vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$6200.00} XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt XXXX. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt XXXX from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$6200.00} XXXX - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX AUTO - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
My credit card number from Citibank Credit Card was stolen by identity theft. My online access was then accessed and I no longer can get access to my online account. The new card was issued to me but was already accessed before I even received the new card. I can not get any access now to the online account and the phone number to prove my identity has been altered. A debit card was issued and cash was withdrawn without my knowledge or authorization. I can not escalate the issue because I can not prove who I am to get past security. I can not now review my statements because I only have online access to my statements.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-05-09 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint XXXX [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2025-05-09 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-09 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I disputed the following student loans on Equifax to be deleted. Reason " borrower defense to loan repayment '' by Navient NAVIENT : Loan XXXX Date Opened High Credit XX/XX/XXXX {$4000.00} Balance Amount {$4300.00} Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Education Loan ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX XX/XX/XXXX NAVIENT : Loan XXXX Date Opened High Credit XX/XX/XXXX {$1700.00} Balance Amount {$420.00} Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Education Loan ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX XX/XX/XXXX NAVIENT : Loan XXXX Date Opened High Credit XX/XX/XXXX {$2600.00} Balance Amount {$1300.00} Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Education Loan ; Whose Account XXXX Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX XX/XX/XXXX NAVIENT : Loan XXXX Date Opened High Credit XX/XX/XXXX {$2600.00} Balance Amount {$2300.00} Status - Pays As Agreed ; Type of Account - Installment ; Type of Loan - Education Loan ; Whose Account - Individual Account ; ADDITIONAL INFORMATION - Student Loan - Payment Deferred; Variable/Adjustable Rate ; XX/XX/XXXX The Credit bureaus XXXX XXXX and XXXX have deleted these accounts off my report already why won't Equifax delete them off my report? I have requested an investigation and XXXX completed the investigation and still left the incorrect information on my credit report. 

The loans by Navient been forgiven by the Education Department with documentation. 

XX/XX/XXXX my federal loans were previously under review by the Department of Education to determine if they were eligible for borrower defense to loan repayment and were forgiven. 

In conclusion, all Navient/Mohela loans are to be deleted from my credit report across all XXXX bureaus. XXXX and XXXX  deleted them without me having to contact the CFPB. This is very frustrating to have contacted the loan company ( Navient ) and get proof, then contact XXXX, have to go through their very long dispute process and they still dont delete the incorrect information off my credit report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This is a follow-up to my prior dispute of the above-referenced account. I formally disputed this entry as inaccurate and unverifiable. Instead of validating the account or removing the tradeline, the furnisher merely changed the status to Closed without providing any supporting evidence, contract, wet ink signature, or itemized validation of debt. 

That action constitutes : Failure to validate, as required under 15 U.S.C. 1692g and 15 U.S.C. 1681i ( a ) ; Furnishing false or misleading information to credit reporting agencies in violation of 15 U.S.C. 1681s-2 ( b ) ; Deceptive practices by altering the status without resolving the core dispute. 

I demand : 1.Immediate deletion of this account from my credit report ; 2.Written confirmation that this inaccurate item has been permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
It is literally impossible to get a hold of Mohela. I am currently in an administrative forbearance and I don't even know why. However, these months are not qualifying towards my PSLF payment count. I would like to see how I can start making qualifying payments. I can never get a hold of anyone to speak with to go over options. I have called a few times over the past 9 months and can never even figure out how to speak to a live person. I called today and after about 5 minutes of even trying to figure out how to speak to a live person, which I eventually got. I explained I am in forbearance but would prefer to be making qualifying payments, she said I can get you over to someone who can help, it was a 3 HOUR AND 15 MINUTE wait. That is ridiculous! It has been 9 months since Mohela has placed me in an administrative forbearance, which could be qualifying payments, and I have no idea why or how to get out of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: AMERICAN HONDA FINANCE CORP
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX. XXXX XXXX, XXXX, TX XXXX XX/XX/XXXXXXXX. XXXX XXXX, XXXX, PA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX Dispute of Inaccurate Information on Credit Report Dear XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

I am writing to formally dispute certain inaccuracies in my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). 

After reviewing my credit report dated XXXX, I discovered the following inaccurate information : American Honda Finance. 

I am disputing the entry related to the repossession reported by American Honda finance for the account number XXXX, which occurred on XX/XX/XXXX. I believe this information is inaccurate for the following reasons I was never notified of the repossession according to the contract terms or the relevant laws governing such actions. This is written off as a collection closed account labeled as loss but I have not received Any 1099 form when requested declined still have not received. As of today, I have not received this form, and I want to ensure that all my financial and tax records are accurate. 

At the time of repossession, I had made the required payments as per the agreement. 

had previously contacted American Honda financial to discuss this account and was led to believe that a satisfactory arrangement had been made, which was not reflected in the report. 

Under the FCRA, I have the right to dispute inaccuracies and ensure the reports are fair and accurate. I request that you conduct a thorough investigation of the above-mentioned items. 

Please complete your investigation and provide me with the results within the legally required 30 days. If the investigation confirms that the information is indeed inaccurate, I request that you remove or correct the erroneous information accordingly. 

Additionally, as required under 15 U.S.C. 1681i ( a ), once the inaccuracies are corrected, please send me another copy of my credit report showing the adjustments made. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-09 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief