vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-02 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: IL

Complaint narrative:
Trans Union and Equifax both continually report inaccurate status of charged off accounts when Ive informed them that there has been no 1099 C issued to me. Unlawful Reporting of Charge-Offs Without Issuing a 1099-C ( 26 U.S.C. 6050P ) Creditors are legally required to issue a 1099-C Cancellation of Debt when a debt is charged off, written off or canceled. If no 1099-C has been issued, the debt has not been officially canceled, making it unlawful for Trans Union and Equifax to report it as a charge-off. By reporting charge-offs without proof of a 1099-C, TransUnion and Equifax willfully are misrepresenting my credit obligations, which is a violation of 15 U.S.C. 1681e ( b ) ( duty to maintain maximum possible accuracy ). Failure to Verify or Validate Debt via assuring 1099Cs were issued ( 15 U.S.C. 1681s-2 ) : The furnisher failed to provide verifiable proof that the charge-offs were valid, yet TransUnion and Equifax continued to report them. The failure to properly investigate and validate these accounts violates federal law.

I will seek remedy as this is one of many attempts to get them to follow the letter of the law which appears they are protecting these alleged creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$110.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$520.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$110.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$520.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: UT

Complaint narrative:
MOHELA student loan servicer is inaccurately and unlawfully reporting a balance on my credit report as 90 days past due. This has resulted in a significant drop to my credit score at a crucial time when I have been diligently working to fix my credit score. It is extremely difficult to get a hold of anyone there, if I call the wait time is between 3-4 hours every time. Please help! 

On XX/XX/year>, I paid a consolidated balance of XXXX which is much higher than the repayment amount they requested. As well as, I setup automated payments BEYOND the expected minimum which pay monthly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Im writing to request a clear explanation of the investigation process your agency followed regarding a disputed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( 7 ) you are required to provide this information within 15 days of receiving a consumer dispute.

Additionally, under the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 all credit information must be accurate and transparent to protect consumer rights. 
Here are the details of the disputed account : Account XXXX : XXXX Account XXXX : XXXX Please describe the steps taken to investigate and verify this account. If you are unable to remove it immediately, I expect to receive the full details of the investigation. 
I appreciate your attention to this matter and look forward to your response within the timeframe specified by the FCRA, Consumer Protection Act, and TILA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
Dear LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, I am writing in response to a listing on my credit report. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). 

I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide the following documentation : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt.

3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges.

4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor.

Please note that under the FDCPA, you are required to cease al collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication.

I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data.

I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor.

Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA.

Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$68.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/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 2025-04-02 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$68.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Ive had multiple calls to my mortgage company. Each representative gives different or incorrect information. My loan was in forbearance. When given the option to start a payment plan, I was given incorrect information. The bank incorrectly reported my loan as 180 days late. I continually escalated and they agreed to fix it and correct the bad reporting. They also sent a letter acknowledging the error. The updated the report and then reported it incorrectly again a few days later. I called and also filed a dispute with the credit bureaus. The mortgage company still disputed the correction even though the letter they sent was attached and my account should be noted. It has been extremely difficult dealing with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NJ

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-04-02 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 am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX 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 XXXXXXXX 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 2025-04-02 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I've sent two letters that they have not responded to. I have the certified mail receipts a copy of the letter and the copy of my id and auto bill statement as proof of identity. They are reporting missing and inaccurate information on my credit report and they will not investigate or show proof of their investigation.

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 2025-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capitol one credit card was sent to my mail box which anyone had access to, which someone fraudulently opened it, they were arrested with this credit card and my identity. I even have a police report number and they still dont want to help me get it off my credit! its been XXXX trying to get any help from this horrible company. Even though i was part of getting my identity stolen. All they care about is making money out of people, total scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
In early 2022, I applied for a loan from Bankers Healthcare Group ( BHG Financial ). I explicitly told them the loan was for personal debt consolidation, and they were already aware I had used a BHG credit card for the same purpose. I am a filmmaker, not a healthcare professional. Despite this, they structured the loan as a business development loan at 15.99 % interest over 10 years, with a 48-month lockout period, and classified it as non-consumer, avoiding important protections.

On a recorded phone call, I was told I would be able to refinance the loan after one year. That assurance was the only reason I agreed to the terms. I followed up in writing before signing, referencing the 1-year rate and asking for projections I was budgeting based on that promise. However, after one year of payments, I was denied the option to refinance and repeatedly given vague answers.

I was also told the loan fees and interest may be tax deductible, with no formal disclosure or confirmation. Additionally, I was pressured into signing a personal guaranty with emotionally manipulative language about life insurance and what most of my colleagues do. I was told I would have to assign my life insurance if I didnt agree. 

Ive now made over 37 payments and paid more than {$90000.00}. I am unemployed, do not own property, and never would have signed this loan if I had known the truth. Im requesting investigation into this loans misclassification, the misrepresentations made, and BHGs pressure tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 non-monetary relief
Consumer complaint received 2025-04-02 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:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX XXXX, Account Number : XXXX XXXX. 
XXXX XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation