vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX c/o [ Non-Domestic, without the U.S. ] SSN : XXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion send one letter to each, separately ] Subject : Lawful Notice to Correct My Appellation under the FCRA and Name Accuracy in Credit Reporting Act To Whom It May Concern, I, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and natural living being, am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Name Accuracy in Credit Reporting Act of 2023, to demand the immediate correction of my personal identifying information within your records.

This letter constitutes Lawful Notice and Demand to correct all credit records to reflect my proper and lawful appellation : Correct Appellation : XXXX XXXX XXXX XXXX XXXX and all past misnomers, including but not limited to : * XXXX XXXX XXXX * XXXX XXXX XXXX * Any ALL-CAPS derivatives are inaccurate and do not reflect my lawful status or identity as a XXXX XXXX XXXX XXXX Their continued use constitutes misrepresentation and must be corrected immediately.

I formally demand that your office : 1. Update all credit records to reflect the accurate legal name : XXXX XXXX XXXX XXXX XXXX. Remove any erroneous, incomplete, or outdated name variations XXXX. Confirm in writing that the updates have been completed, as required within 30 days under federal law Enclosures : * Rcorded Name Declaration or supporting affidavit * NationalityIssued Identification * Proof of mailing location ( e.g., recent utility statement ) Failure to comply may result in a formal complaint being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and/or further legal action for willful non-compliance, misidentification, or violation of consumer rights under federal statutes. 

Respectfully in Honor, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX [ Non-Domestic ] XXXX XXXX XXXX Near 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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a letter today, XX/XX/XXXX, dated XX/XX/XXXX, that my credit card of over a year was closed on XX/XX/XXXX. No reason was given except " we can close at any time for any reason per user agreement '', however no reason was given. 
I have never been late, not ever close to my limit. 
I reached out via phone and was rudely engaged by a XXXX ( you can tell the accent ) why did the exactc same thing. " This is legal and we can do whatever we want per the agreement. '' Never a reason given.

I have been researching online and have discovered MANY others reporting the same exact thing on social media. And rumors are saying that the XXXX owned company is closing American accounts to retaliate tarriffs. I don't care about continuing with them, however I should be free from paying any further balance and should not have my credit affected by this political sabotage.

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 2025-04-15 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: AZ

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXXXXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested XXXX To resolve this matter, I demand the following actions : XXXX a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXX block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
XXXX took over the servicing of the fXXXX XXXX  and the issue is that they have very long hold times. I called at XXXX XXXX EST on Monday XX/XX/year>. They close at XXXX XXXX EST on XXXX. The estimated wait time was 2 hours. There was no call back option. I waited for 5.5 hours. Nobody answered the phone. I have a couple things that only customer service can help me with such as issuing a refund, buy back option, etc. I am unable to have these matters resolved if I can not get ahold of an agent. I don't think Mohela is equipped to handle the federal loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I am a California resident. Three Sticks Lending issued me a {$2800.00} loan with an APR of 523.3 %. This is illegal under the California Financing Law, which limits rates to 36 % for loans over {$2500.00}. They are attempting to avoid state law using tribal affiliation, which courts have ruled does not protect predatory lending targeting California residents. Ive revoked ACH and requested cancellation, and they are still demanding repayment.

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 2025-04-15 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:
XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRIES VIOLATION OF CONSUMER LAW Dear Experian I am writing to formally dispute the unauthorized inquiries listed below that appear on my credit report. On XXXX XXXX, I called your office to dispute these inquiries and was informed that they would not be removed. In response to this violation of my consumer rights, I have since filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), you are required to ensure that my personal informationincluding my name, address, phone number, and Social Security numberis not accessed without my explicit permission. I did not provide consent for these inquiries, nor did I authorize any co-signer or third party to do so on my behalf. These inquiries are a direct violation of my rights under consumer law, and their presence on my credit report is unlawful.

As per 15 U.S.C. 1681b ( f ), a company must have permissible purpose before pulling my credit report. Since these inquiries were unauthorized, they must be permanently removed from my file immediately. Additionally, failure to comply with this request may result in legal action, as I will pursue all available remedies under the law. 
Below is a list of the disputed inquiries : XXXX credit/auto savvy Inquiry date : XXXX XXXX Ally financial Inquiry date : XXXX XXXX XXXX XXXX na Inquiry date : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry XXXX : XX/XX/year> XXXX XXXX XXXX Inquiry date : XX/XX/year> Nowcom/westlake financ Inquiry date XXXX XX/XX/year> I demand that these inquiries be deleted from my credit report immediately. Per 15 U.S.C.

1681i ( a ) ( 5 ) ( A ), you are required to delete inaccurate, unverifiable, or unauthorized information.

If you claim these inquiries are valid, provide documented proof of my written authorization and the permissible purpose under federal law. If you can not provide such proof, you must remove them immediately.

I am attaching a copy of my FTC report, a valid government-issued ID, and proof of my current address for verification purposes. Please provide written confirmation of the deletion of these inquiries within 30 days, as required by law.Failure to comply will result in further escalation through the Better Business Bureau ( BBB ), State Attorney General, and potential legal action. I expect immediate resolution of this matter. 
Sincerely, 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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Broadway Account Services
State: NY

Complaint narrative:
Dear [ XXXX ], I am writing to dispute an item on my credit report. I recently reviewed my report and noticed a repossession entry listed under the name XXXX. I would like to formally dispute this account because this is not my account. 



Creditor Name : XXXX Account Number : Unknown I request that you investigate this matter and remove the inaccurate repossession record from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report with the disputed item clearly highlighted for your reference. 



Please complete your investigation within the 30-day period mandated by the FCRA and notify me in writing of the results at the address listed above. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because Experian continues to report a XXXX XXXX account ( Account # XXXX ) as charged off, despite my prior disputes and consumer statement stating that this account was paid as agreed. I have disputed this item multiple times directly with Experian, but the account remains on my report without proper investigation or correction. 

The original delinquency was over 6 years ago, and the account should be eligible for early exclusion per FCRA guidelines. XXXX XXXX has not provided any updated documentation or proof to validate the continued negative reporting. 

I request that the CFPB investigate this matter and instruct Experian to either remove this account or provide proper verification. This derogatory information is severely impacting my ability to obtain reliable transportation and rebuild my credit. 

Please remove this inaccurate and outdated account from my credit file.

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 2025-04-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX card wants me to disclose my tax information with all personal transactions and assets to verify my name and home address. 
This includes disclosure of my husbands confidential tax information and he is not the Authorized user. ( Seperate complaint filed on this ) XXXX XXXX claims via Equifax they collect tax information. When I called Equifax and spoke with a representative- they had no record of these letters XXXX was using on behalf of Equifax. 

XXXX advised if I do not release my and my husbands tax information they will close the card report it to the Bureau. In addition if you call the credit card number on the back it goes to random departments and no way to make payments.

This will put people in forced delinquencies or closure of card refusing to releases private asset and tax information. No other credit card entity uses tax information from IRS to validate name and address.

I request the 3 rating Bureau to take this matter seriously and not report credit card closure because tax transcript not provided.

I have reported misconduct to the AGs office regarding Tax Disclosure which include spouses info since joint filing and not auth
orize user on card.

I cant even close my card because I get the run around to 5 different departments for a basic service like payment and card closure by user.

They could not provide terms and condition from XXXX when I got the card. Any policy sent now will be embellished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
Pulled credit report and did not recognize a {$120.00} charge for Transworld Systems Inc. Called in XX/XX/XXXX and rep stated charge was from XXXX XXXX bill. Asked debt collector to send information by mail and did not receive. Called XXXX XXXX and they confirmed I paid bill off back in XXXX. This debt is in error and Im not the responsible party and debt collector has never sent proof via mail that I owe this debt after asking for pertinent information to be sent to me via US mail. The company never called me, I voluntarily reached out to them Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MA

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-Provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers or dispute outcome.These failures align with my experience, where Experian has neither correct nor removed dispute items despite the evidence I provided causing on going harm to my credit standing I am required immediate correction action to remove or amend the disputed account as Experian inaction violates federal law and my rights as a customer this is my fifth time request regarding the fraudulent account that continues to appear on my credit report.i am deeply troubled as these accounts XXXX XXXX Account information XXXX XXXX Please delete this Account Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NV

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MN

Complaint narrative:
insufficient notice of payment due, and 90 day credit reporting without knowledge to borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am disputing the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX These accounts violate my rights under 15 U.S.C. 1681, Section 602 ( a ), which affirms that every consumer has the right to privacy with respect to the confidentiality, accuracy, relevance, and proper utilization of their credit information.

Additionally, under 15 U.S.C. 1681b ( a ) ( 2 ) ( formerly referred to as Section 604 ( a ) ( 2 ) ), a consumer reporting agency is prohibited from furnishing a consumer report without the written instruction of the consumer, unless otherwise authorized by law. I have never provided such written instruction or authorization in connection with these accounts.

Due to the unauthorized use and potential breach of my personal data, I respectfully request that these accounts be removed from my credit report immediately. Furthermore, I request that any actions necessary to restore and protect my privacy be taken in full compliance with federal law.

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 2025-04-15 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation