vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
I came across the CFPB XXXX lawsuit. I was negatively impacted by XXXXEQUIFAX, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. But I do not see any details about your investigation.

I am writing to formally dispute several unauthorized hard inquiries listed on my Equifax credit report. I am a victim of identity theft, and I did not authorize the companies below to access my credit file. These inquiries are fraudulent and should be removed from my credit report immediately. 

Here are the inquiries in question : 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 Attached you will find : - A copy of my government-issued ID - A utility bill or official document with my name and address - A copy of my Identity Theft Report filed with the FTC or local law enforcement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NV

Complaint narrative:
This is my numerous requests 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 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/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 2025-04-01 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX : XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2025-04-01 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX : XX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
This is my several endeavors 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXXXXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}

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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-01 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: Kriya Capital, LLC
State: AZ

Complaint narrative:
XX/XX/year> I have all major credit monitoring agencies about disputes previously reviewed removed or inquires, or name change, or allege debt that unverified never being accurately verified ALL CREDIT AGENCIES HAVE BEEN NOTIFEIED AND GIVEN 7 DAYS TO VERIFY OR DELETED ACCOUNT UPDATED ACCOUNT AS PAID AS AGREEED AND DELETE ANY CREDIT MONITIORING THAT WITH OUT MY CONSENT OR HAVE MY PERMISSION TO SPEAK ON MY BEHALF WITH WRITTEN CONSENT. 
THE FOLLOWING HAS BEEN VIOLATED IN ALL MAJOR CREDIT AGENCY AND PROOF WILL BE PROVIDED IN PDF FILE FORMAT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX F SECTION 604 A SECTION 604 A 3 ii SECTION 611 SECTION 165 I AM REQUESTING A XXXX  PERVIOLATION FOR EACH ACCOUNT FOR EACH MONTH REPORTED FROM EACH AGENCIES AND I AM REQUESTED THE INFORMATIONBE DELETED IN 48 HOURS AS I AHVE SENT THE CERTIFIED MAIL ALONG WITH A DEASE AND DESIST ALREADY VIOLATED FROM ALL CREDIT AGENCIES WITH A AFFIDAVIT OF TRUTH ALL WILL ADDED TO PDF FILE FOR EACH CREDIT BURUES ALL FILES ARE SO ALRGE NOT ALL HAVE UPLOADED BUT I CAN MAIL IF NEEDED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: AZ

Complaint narrative:
XX/XX/year> I have all major credit monitoring agencies about disputes previously reviewed removed or inquires, or name change, or allege debt that unverified never being accurately verified ALL CREDIT AGENCIES HAVE BEEN NOTIFEIED AND GIVEN 7 DAYS TO VERIFY OR DELETED ACCOUNT UPDATED ACCOUNT AS PAID AS AGREEED AND DELETE ANY CREDIT MONITIORING THAT WITH OUT MY CONSENT OR HAVE MY PERMISSION TO SPEAK ON MY BEHALF WITH WRITTEN CONSENT. 
THE FOLLOWING HAS BEEN VIOLATED IN ALL MAJOR CREDIT AGENCY AND PROOF WILL BE PROVIDED IN PDF FILE FORMAT 15USC1681 E XXXX XXXX XXXX  15USC1681 N 15USC1692CC 15USC1666B FCRA 623 15USC1681 XXXX XXXX  15USC6802 15USC1681B 1 F SECTION 604 A SECTION 604 A 3 ii SECTION 611 SECTION 165 I AM REQUESTING A XXXX PERVIOLATION FOR EACH ACCOUNT FOR EACH MONTH REPORTED FROM EACH AGENCIES AND I AM REQUESTED THE INFORMATIONBE DELETED IN XXXX HOURS AS I AHVE SENT THE CERTIFIED MAIL ALONG WITH A XXXX AND DESIST ALREADY VIOLATED FROM ALL CREDIT AGENCIES WITH A AFFIDAVIT OF TRUTH ALL WILL ADDED TO PDF FILE FOR EACH CREDIT BURUES ALL FILES ARE SO ALRGE NOT ALL HAVE UPLOADED BUT I CAN MAIL IF NEEDED

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 2025-04-01 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Accnt closed on XX/XX/year>2023

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2025-04-01 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Accnt closed on XX/XX/year>2023

15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b- ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX put a collection on my credit report for XXXX XXXX  that took place in 2019. This agency has never once contacted me in writing, by phone, or by email. The collection posted directly to my credit report 6 YEARS past the services and I had to reach out to them directly to attempt to get any information or proof of the debt owed. The supposed debt is listed as being for XXXX XXXX XXXX XXXX XXXX  in 2019. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and fully paid the debt at the time of initial charge. I have contacted the hospital and confirmed that the debt was paid in full and the hospital did not send this to collections. I ALREADY PAID the hospital directly and this is confirmed with a receipt attached from the provider. When I called XXXX they would not provide me details about what was being collected. The agent ASKED ME to tell him the exact total and then proceeded to ask for my personal details including my address, my name, correct spelling, and for me to provide him the total of the debt I supposedly owe and then told me I needed to state right now whether I was going to pay or not. He stated these were my only 2 options and refused to state what the attempt to collect was for without my prior agreement to pay or not pay. I told him I needed to understand what I was being charged for and he refused to provide details unless I gave him my FULL SSN and DOB. I stated that I didn't even know this company or if it was trustworthy or what I was being billed for and could not comfortably provide such sensitive info over the phone, but he would not proceed so I disconnected. I have since called the hospital and received confirmation my bill was already paid in full and never sent to collections. This company is impacting my credit and trying to scam me out of over XXXX XXXX dollars. I want this removed from my credit report and corrected immediately. Do not pay a collection here without verifying. Do not give them your personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX [ XXXX, OH, XXXX ( XXXX ) XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute and Notice of Civil Liability Under 15 U.S.C. 1681o Dear Experian, I am writing to formally dispute the inaccurate and unverifiable information on my credit report. Despite my previous disputes, you have failed to conduct a reasonable investigation and have continued to report incorrect and damaging information, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Disputed Account Details : Creditor : National Credit System Account NumberXXXX Amount : {$3200.00} Violation of 15 U.S.C. 1681o Civil Liability for Negligence Under 15 U.S.C. 1681o, you are liable for damages due to your negligent noncompliance with the FCRA. Your failure to properly investigate and remove inaccurate information has caused harm to my creditworthiness. This violation subjects Experian to civil penalties, including actual damages, court costs, and attorney fees.

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies must investigate disputes within 30 days and correct any inaccuracies. Since you have failed to comply, you are in direct violation of the law.

Demand for Immediate Action I hereby demand the following : Immediate deletion of the inaccurate account ( s ) from my credit report.

Written confirmation that the negative information has been removed.

A detailed explanation of the verification process used to justify the continued reporting of this account.

Failure to Comply Will Result in Legal Action If Experian does not correct this violation within 30 days, I will escalate my complaint by : Filing a lawsuit against Experian for civil damages under 15 U.S.C. 1681o.

Submitting formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

Supporting Documents Included I have attached the following documents for verification : A copy of my government-issued ID A utility bill or bank statement for address verification I expect this matter to be resolved immediately. Please send me written confirmation once the inaccurate account ( s ) have been removed from my report. 

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 explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Subject : Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Dear Midland Credit Management, I am writing to formally dispute the alleged debt that you have contacted me about. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this debt, including but not limited to the following : 1. The name and address of the original creditor.

2. A copy of any signed agreement or contract that verifies my liability for this debt.

3. A complete payment history, including all fees and interest accrued.

4. Documentation proving that Midland Credit Management has the legal right to collect this debt.

5. Any judgment, assignment, or contract that establishes your authority over this account.

6. Proof that this debt is within the applicable statute of limitations for collection.

7. Evidence that this debt belongs to Midland Credit Management and not another entity.

8. A contract bearing both my signature and that of Midland Credit Management demonstrating my obligation to this debt.

Please consider this letter as a formal dispute of the alleged debt. Until the requested validation is provided, I request that you cease all collection activities, including reporting this account to credit bureaus, as failure to validate a disputed debt is a violation of the FDCPA and other consumer protection laws.

If you are unable to validate this debt, I respectfully request that you remove any references to it from my credit report and cease all further collection efforts. Additionally, please provide written confirmation of your actions regarding this matter. 
Please send all correspondence regarding this request to my address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
Mohela had failed to inform me about delinquent loans after 90 days and reported it to credit bureaus, forcing a XXXX point credit drop. After noticing, I reached out to MOHELA on XX/XX/year> at approximately XXXX XXXX to learn about my account. Much of the information that they had on file needed to be changed and the primary phone number they had was a number that I had never heard of before and dont know why or how it ended up on file. From there I was transferred to the credit team where I had attempted to have them remove the delinquent payments report from my credit score which they refused to do. I then asked for them to provide me with the days and times of attempted outreach, as well as the numbers utilized because a phone call would have solved this issue that same day. They failed to provide me with such information and let me know that they will call me back when they find it. Five business days passed and I hadnt heard back. I then called back again consistently hit with 4+ hour wait times and again got connected to a different member of the credit team. I asked them for the same information and Id let them know that I never received a call back. I had asked them to let me know of the specific times and numbers they had called because I was unfamiliar with the number they had on file and felt that they were failing to reach me adequately and responsibly to let me know of late payments. They also couldnt tell me why that number was on file or who changed it. They also couldnt tell me where my last payment came from and who the spoke to to receive it. They then promised to call back in 3 to 5 business days which I hadnt received once again which was 7 days ago. They failed to keep up to date records and had a false phone number on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to complete an online transfer of funds w/ Ally Bank from my money market savings account to my checking account. Both accounts are with Ally Bank. The amount I attempted to transfer from savings to checking is {$2000.00}. I repeatedly received an error message stating that " The amount you entered is higher than the amount available for transfer. Please enter a lower amount or call us 24/7 for help. '' I called Ally for help and waited on hold for over 15 minutes. I was told that there was an Ally-initiated hold on my account and the bank refused to permit any transfer of funds out of this account. The bank is frequently and inappropriately holding my funds hostage in this savings account. The bank has issued no communications to me whatsoever indicating that withdrawals or transfers were restricted or otherwise not permitted. Further, the bank issued no communications to be advising how to cure this issue. Now the bank has unilaterally restricted access to my funds with no clear path to resolution. The agent with whom I spoke advised that they were unable to address the problem and advised that I call back the following day. This is entirely unacceptable.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates

USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I see several inquiries that I did not authorize on my behalf

Company response to consumer: Closed with explanation