vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Hello, I am writing to formally request an investigation and correction of inaccurate and potentially damaging information listed on my credit report. As required by the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate data and request an investigation to ensure the integrity and accuracy of the information reported under my name. 
Upon reviewing my credit reports, I have identified the following discrepancies in my personal information : XXXX. Inaccurate Name Variations : The following name variations are incorrectly listed on my credit report : XXXX XXXX  These names are not accurate and may be the result of a typographical error or mis association. My full legal name is XXXX XXXX. I request the immediate removal or correction of these name entries. 
XXXX. Incorrect and/or Inconsistent Addresses : Some addresses listed are either outdated or formatted inconsistently. Please review and remove any address not directly associated with me, My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Confirm formatting and update consistency across the following : XXXX XXXX XXXX XXXX, FL XXXX XXXX. Employer Information : Please verify the accuracy of the following reported employers, my current employer is University of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX If any of these employers are incorrect or outdated, I request they be removed from my file. 
These errors may impact my creditworthiness and do not reflect accurate personal or employment data. Please conduct a thorough investigation and provide a written response with the results of your findings. I expect all corrections to be made in compliance with the FCRA. 
Enclosed are copies of my current utility bill for identity verification. 
Thank you for your prompt attention to this matter. 
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 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NV

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I logged into my servicer 's website, Firstmark Services and simultaneously called them to speak with their customer service agents about a manner regarding my account. They were unable to verify my information with their automated system prompts despite it being accurate, and during my phone call with the representative, she asked me if my street was XXXX XXXX. I have never lived at that address. I looked into the documents section of their website and discovered my address had somehow been changed and asked the representative to verify how that may have happened. According to Firstmark, they liaison with USPS to verify addresses and used the address that USPS had on file. My name was incorrectly still attributed to my maiden name admittedly, but ultimately my address had been CORRECT prior to this event and was automatically changed without my consent. Private documents and statements with my student loan information were sent to the wrong address and individual which is an egregious breach in privacy. My statement was correct in XX/XX/year> and was updated sometime at the end of this month and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: IN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: AR

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ). I submitted formal written disputes regarding inaccurate or incomplete information on my credit report on XX/XX/year>, and the credit bureau ( s ) have not responded or completed their investigation within the 30-day period as required by law. 

Under the FCRA, credit reporting agencies are required to investigate disputes and respond within 30 days of receipt of a consumers notice of dispute. As of today, more than 30 days have passed without any communication, results of an investigation, or confirmation of reinvestigation. This failure to respond violates federal law and obstructs my ability to ensure the accuracy and fairness of my credit file. 

I am requesting that the CFPB take immediate action to compel the credit bureau ( s ) to comply with FCRA requirements, complete the reinvestigation of my disputes, and provide a full response in writing. I am also requesting that the credit bureaus be held accountable for their noncompliance.

Supporting documentation is available upon request. I also submitted utility bill, ID, and SSN with my letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions. Transunion consistently responds in a short period of time stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. This is the account I marked as inaccurate XXXX XXXX XXXX Account XXXX its showing its an " OPEN '' BALANCE in collection with a different Company name it shows " XXXX XXXX  '' this is clearly an inaccuracy on my credit report Transunion keeps denying my dispute knowing an an account in collection cant have an open balance and XXXX different Creditor name.

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 2025-04-10 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-10 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: MOHELA
State: MA

Complaint narrative:
I filed a previous complaint with Mohela, but it's necessary to do another one. 

After XXXX months, my forebearance request was granted, but given the time that passed, I was only afforded XXXX months forebearance versus the XXXX i requested initially ( due now on XXXX ). 

I called and they said they'd submit the request. 

Now, in my portal it states that my due date is XXXX, so I lost a month. When I speak to a person, they confirm it is due on XXXX. The automated system states XXXX. 

So, my forebearance request for XXXX months was not done properly and now I have XXXX different due dates. Additionally, the representative says I have to access their " advanced team '' to resolve the issue. However, wait times are over XXXX hours. There is no call back option. 

This organization needs to be held accountable!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

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. 

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 explanation
Consumer complaint received 2025-04-10 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: TX

Complaint narrative:
XXXX XXXX XXXX, is trying to collect money and trying to scam me to pay an account I have knowledge of. I HAVE ASK THEM to stop harassing me XXXX calling about a debt I don't owe. But they still continue to harassing me and making threatened statement. Like your going to get fire from your job and we will mess up your credit. I don't know what kind of employees these people hire but like attack dogs. And it's mentally draining.

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 2025-04-10 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:
REMOVE THOSE FRAUDULENT ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately. 

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: LA

Complaint narrative:
This update supplements my original report, which detailed a coercion-based scam in XX/XX/year> in which I was manipulated into transferring {$5000.00} through Crypto.com under false pretenses. Crypto.com acknowledged that financial coercion and fraud occurred, but still refused to issue reimbursement or investigate further. Instead, they repeatedly referred to a final position and closed the case without resolution. 

Now, after receiving my most recent formal message and regulatory escalations, the original support thread I was using to communicate with Crypto.com has disappeared. I no longer have access to prior messages, including their own written acknowledgment of fraud. This strongly suggests that I have been blocked from communicating with the company. 

Given that Crypto.com previously told the CFPB they would cooperate with official investigations, their removal of the communication thread appears to be a deliberate attempt to obstruct the fraud resolution process and silence a victim. 

I request that this behavior be taken into consideration as further evidence of bad faith and that Crypto.com be held accountable for knowingly retaining stolen funds while cutting off communication with the reporting party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I DO NOT RECOGNIZE THIS ADDRESS PLEASE REMOVE THANKS XXXXXXXX XXXX XXXX XXXX, PA 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 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have 24 XXXX loans that have been in forbearance since XX/XX/XXXX. No interest has been accruing. As of date, all 24 loans are still in forbearance with 0 % interest. However, between XX/XX/XXXX and XX/XX/XXXX all XXXX loans increased on my credit report - some by XXXX  of dollars. XXXX does not provide itemized monthly statements for each loan - I can only see what it is reporting as currently on their website. I have requested twice itemized statements to determine whether interest was improperly added during the forbearance. There is no reason for the loans to be increasing between XX/XX/XXXX and XX/XX/XXXX. XXXX has failed to provide any explanation, nor have they notified me of any balance increases. I only became aware of this issue because I received a notification from the CRAs that some of my loans have significantly increased in XX/XX/XXXX. Upon review, all XXXX XXXX  loans being reported by XXXX significantly increased - no other loans or credit accounts increased. These loans were reporting as increased with TransUnion, XXXX, and XXXX. Some of the XXXX  loans even updated to reported as 101 % of the balance usage. This is SIGNIFICANTLY affecting my credit ( as there are XXXX loans ). I made XXXX direct disputes with the CRAs and multiple disputes with XXXX. The issue remains ongoing. Either the loans were improperly reported by XXXX to the CRAs as increasing, or XXXX has been deceptively adding interest to my account during forbearance. Either way, this needs to be corrected immediately. This is my final dispute before XXXX purse legal action. Attached are screenshots of my credit report from XX/XX/XXXX and XX/XX/XXXX showing the increase for each loan.

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