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

Complaint narrative:
I discovered a fraudulent activity listed on my credit report that does not belong to me. I believe this is a result of identity theft. 

The accounts in question appears to be opened without my knowledge or consent. I did not authorize this account or inquries, and I have never conducted any business with the company reporting it. The account is negatively affecting my XXXX XXXX and does not reflect my financial activity or responsibility : Collector : XXXX XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Amount Due : {$2100.00} Opened : XXXX. XXXX, XXXX Amount Due : {$7700.00} Opened : XXXX XXXX, XXXX Amount Due : {$1800.00} Opened : XXXX. XXXX, XXXX Amount Due : {$760.00} Opened : XXXX XXXX, XXXX Amount Due : {$1300.00} Opened : XXXX. XXXX, XXXX XXXX XXXX : {$1100.00} Opened : XXXX. XXXX, XXXX Amount Due : {$2000.00} XXXX XXXX XXXX  Original Creditor : XXXX Communications Opened : XX/XX/XXXX - Amount Due : {$990.00} XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX ( Removal : XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( Removal : XX/XX/XXXX ) XXXX  XX/XX/XXXX ( Removal : XX/XX/XXXX ) Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXX Inquiries XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TransUnion : Inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Employer : 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 2025-05-05 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 letter serves as my third formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite two previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 


My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, California XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within 30 days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, 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 2025-05-05 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information whit complete accuracy. this account has not been late payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had three late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information whit complete accuracy. this account has not been late payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. thank you for your understanding and prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was part of the Equifax data breach and received {$7.00} on a prepaid card as part of my settlement. Although I did not agree to receiving my funds via a prepaid card, in fact I was not even given an option. I received an email from myprepaidcard.com and after verifying and entering my information, successfully activated the card. I then tried to use the card, I was unable to add it to my phone 's digital wallet, it was rejected on XXXX and XXXX, as a hail XXXX, I tried to buy a pack of gum from the gas station on the corner, it didn't work at all. 

I could not get any help from myprepaidcard.com from their website, I tried calling but only got a robot repeating information. I then called the number for the Equifax data breach, I finally got a human on the phone and I asked for a check instead of this prepaid card because it doesn't work. The person just kept repeating a script indicating that I elected to receive the prepaid card and the time to request another form of payment was closed. I asked when that period was ( I never got an option as to how to receive my settlement ) and the person repeated the script she had told me minutes ago, never actually giving me dates. I asked to speak with a superior, and she put me on hold for 10 seconds came back on and said there were no supervisors available ( big surprise ). I asked for a call back but it's been 1 week and after some light googling, see that nobody has been able to use their Equifax settlement funds for the same reason, the prepaid cards don't work. This is not right, take Equifax to task.

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

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.

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

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CO

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team ( includes individuals like XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX ) of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

FERPA also didn't disclose any information that I was accepting a student loan when applying for FAFSA due to the fact that I was XXXX XXXX and XXXX being my second language. They did not provide any equitable access to information for all students, especially those who may face language or cultural barriers. FERPA also failed to communicate with me directly XXXX years post graduation which led my credit score to drop XXXX points.

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

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX * * * * * * * * * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX 30 days late XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX * * * * * * * * Balance Owed : {$4700.00} Date Opened : XX/XX/XXXX late XXXX, and 90 days from XXXX to XX/XX/XXXX 2024

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

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


NEGATIVE ACCOUNTS PLEASE DELETE : : XXXX XXXX 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 XXXXXXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I had 12 hard inquiries removed from Transunion, Equifax and Experian and I never received the points back to my credit score.

Please help

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 2025-05-05 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: LA

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$3200.00}

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 2025-05-05 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Clarity ; TransUnion ; Experian ; XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX XXXX  XXXX XXXX ; Equifax

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
Complaint Against MOHELA for Mishandling Federal Student Loans To Whom It May Concern, I am submitting this complaint regarding the federal student loan servicer MOHELA. I have encountered the following issues : issues include : failure to process loan discharge, overcharging, inability to reach customer service, inaccurate account information I am requesting the CFPB investigate this matter and assist in securing a resolution. I am aware that MOHELA is under broader scrutiny, and I would like my experience to be included in that review. 

Attached are relevant records and a summary of my communication attempts. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute the response provided by Capital One dated XX/XX/year> ( Case # XXXX ) regarding the continued reporting of derogatory information on my credit report. 

Capital One 's response fails to adequately address or rebut the specific legal grounds I referenced in my initial CFPB complaint, which include : 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act ( FCRA ) emphasizes the need for consumer protections against inaccurate and outdated information, and the right to privacy in credit reporting.

15 U.S.C. 1681b ( a ) ( 2 ) A consumer reporting agency can not furnish a report without the consumer 's written instructions, which I did not provide.

15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) A consumer report does not include transactions or experiences between the consumer and the furnisher unless its for permissible purposes, which I contest here.

15 U.S.C. 1666b ( a ) Payments can not be deemed late if received by XXXX XXXX on the due date. I assert that my payments were made on time or that proper crediting was not performed. 

Despite citing contractual language from their customer agreement, Capital One has not demonstrated compliance with these federal statutes. The response fails to validate that the late payment entries were reported correctly, lawfully, and without consumer harm. 

Furthermore, Capital One only generically states that were reporting accurate information, which does not satisfy the FCRAs requirement for a reasonable investigation under 15 U.S.C. 1681i ( a ).

I am requesting the following actions : A full investigation and removal of all late payment notations that are not backed by documented proof of actual late payments, in compliance with FCRA. 

A clear explanation of how the reporting is in line with FCRA provisions, especially 15 USC 1666b ( a ), if Capital One insists the payments were late.

That all bureaus include a statement of dispute on these tradelines per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

The removal of any accounts being reported without written consumer authorization, in line with 15 U.S.C. 1681b ( a ) ( 2 ). 

I am also enclosing : A copy of the response received Should Capital One continue to report these accounts inaccurately or without fully satisfying FCRA guidelines, I reserve the right to pursue further action under civil liability provisions ( 15 USC 1681n & 1681o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP
State: NV

Complaint narrative:
The XXXX XXXX XXXX Kimball , Tirey & St John LLP is illegally reporting incorrect information on my credit report & has failed to remove & update this false inaccuracy from my credit report. This firm/collection agency is attempting to collect on debt that was XXXX XXXX XXXXXXXX  as of XX/XX/XXXX, of XXXX. Judgment was ordered for the plaintiff XXXX, XXXX XXXX XXXX XXXX XXXX to keep my record sealed & any monetary amounts they claimed were owed, were balanced out to {$0.00} & XXXX XXXX XXXX. Despite the XXXX XXXX the case back in XXXX  & the statutory of limitations this company continues to report, email and call, clearly violating both the FCRA & the FDCPA. I have documentation proving the courts dismissal and can provide documentation as well. If they continue to continuously violate my rights I will take immediate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
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 List of Unauthorized Inquiries : 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-05 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: MN

Complaint narrative:
I was going through my credit reports, and i noticed these unauthorized hard enquiries on my credit reports as follows : - EQUIFAX as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and request the removal of unauthorized hard inquiries that have been placed on my credit report. I did not provide written authorization or consent for these inquiries, nor did I initiate any transactions with the companies responsible for them. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a consumer reporting agency may only furnish a consumer report for certain permissible purposes, which include written instruction by the consumer or in connection with a credit transaction initiated by the consumer. These inquiries were neither authorized by me in writing nor tied to any legitimate application for credit.

Additionally, 15 U.S. Code 1681b ( f ) prohibits any person from obtaining a consumer report under false pretenses or without a permissible purpose.

These unauthorized inquiries are negatively impacting my credit score and were made without my knowledge or consent, which is a violation of my rights under federal law.

Thank you for your assistance and for upholding the rights of consumers under the FCRA.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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