vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXXXXXX 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 2025-06-16 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-16 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: MOHELA
State: AZ

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Student Loan Entry Due to FERPA Violation and Breach of the Privacy Act of XXXX I am writing to formally dispute the reporting of a student loan account listed on my credit report, which I believe was unlawfully shared and reported in violation of the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of XXXX. 



The account in question appears on my credit report as follows : Creditor Name : Mohela Account Number XXXX Reported Date : [ XX/XX/XXXX ] Under FERPA ( 20 U.S.C. 1232g ), my educational records, including financial aid and loan information obtained through an educational institution, are protected from disclosure without my explicit written consent. I have reason to believe that my private educational and financial records were shared with third-party credit reporting agencies without such consent, constituting a direct violation of FERPA and the Privacy Act of XXXX ( 5 U.S.C. 552a ). 



As such, I am requesting a full investigation into this matter and demand immediate removal of the above-referenced loan from my credit report. I also request written documentation verifying that proper consent was obtained prior to the disclosure of my information to credit bureaus. If such documentation can not be provided, the item must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 



Please consider this letter as a formal dispute under the FCRA ( 15 U.S.C. 1681i ), and provide a written response within 30 days of receipt of this notice. Failure to remove or correct the inaccurate and unlawfully reported information will leave me no choice but to pursue further action through the U.S. Department of Education, the Consumer Financial Protection Bureau ( CFPB ), and/or legal counsel. 



Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: VA

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am disputing inaccurate information reported by DPT EDXXXX XXXX regarding two student loans on my credit report. In XX/XX/year>, these loan were suddenly reported as 90 days late without any prior delinquency history. This reporting is factually impossible because : I have never missed payments on these loans the reporting jumped directly to 90 days late without showing the required progression of 30 days late, then 60 days late, before reaching 90 days late This sudden 90-day delinquency report violates standard credit reporting practices, as delinquencies must progress sequentially through 30, 60, and then 90 days

Company response to consumer: Untimely response
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
My identity was stolen, and as a result, some fraudulent accounts were opened in my name, and now they are negatively affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX RE : Formal Debt Validation and Chain of Assignment Request Account No : [ Insert account or reference number ] To Whom It May Concern, This letter is in response to your recent correspondence regarding the alleged debt on behalf of XXXX XXXX. 

As previously stated in my formal request dated [ insert date ], under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested complete validation of this alleged debt, including : A copy of the original agreement or contract bearing my signature ; A full chain of title/assignment from the original creditor to your agency ; A complete account history, including all charges, payments, and write-offs ; Evidence that your agency is licensed and authorized to collect debts in my state.

To date, none of these required documents have been provided.

Additionally, in your own admission, you have stated : We do not own this debt, we represent XXXX XXXX. As such, you are not the creditor and do not have the legal authority to report this debt on my personal credit file. 

Per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), only furnishers of information with a legitimate ownership or servicing interest may legally report to a consumer reporting agency. Reporting a debt that you do not own or have legal servicing rights to is a direct violation of federal law.

Any continued reporting of this debt without providing lawful documentation and ownership constitutes willful noncompliance and misrepresentation under 15 U.S.C. 1681n and 1681o, and actionable violations under 15 U.S.C. 1692e ( 8 ) of the FDCPA, which prohibits false or misleading representations, including the communication of false credit information.

If this account is not immediately removed from my credit profile and proper validation is not provided, legal action will be pursued without further notice. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and a civil suit for statutory and actual damages.

You are hereby given one final opportunity to comply with federal law by either providing full validation as requested or permanently removing this account from all consumer reporting agencies.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As of XX/XX/year> my credit report has been showing addresses in Indiana. I have never lived in Indiana. I have lived in Illinois my whole life. I have lived in XXXX XXXX Illinois for 8 years. Prior to that address, I lived in XXXX Illinois. My taxes have also always been filed in Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Sunnova Energy Corporation
State: MD

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I am submitting this formal complaint in follow-up to the complaint filed on XX/XX/year>, under reference number XXXX. The company involved has failed to take corrective action to remove inaccurate and unlawful information from my credit report, in direct violation of federal law. 

The creditor in question has reported an account as paid and closed, yet continues to reopen and reclose the account without cause, which constitutes false and misleading reporting. This is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information that is known or should be known to be inaccurate. 

15 U.S. Code 1681i Consumer reporting agencies must conduct a reasonable investigation of disputed information and correct or delete inaccurate data within 30 days.

15 U.S. Code 1666b Requires accurate and timely crediting of payments and treatment of account activity. 

Additionally, I was verbally informed by the creditor that if I transferred the account from my personal name to my XXXX, the inaccurate tradeline would be removed. This account was originally intended to be under my XXXX at the time of contract signing, as the property associated with the account is owned by the XXXXnot me personally. 

Despite following the creditors directive and taking corrective steps, the inaccurate information has not been removed. This amounts to misrepresentation and deceptive trade practices, potentially violating : 15 U.S. Code 1692e ( 10 ) Under the Fair Debt Collection Practices Act ( FDCPA ), the use of any false representation or deceptive means to collect or attempt to collect any debt is prohibited. 

15 U.S. Code 45 Under the Federal Trade Commission Act, unfair or deceptive acts or practices in or affecting commerce are unlawful. 

This creditors actions have caused significant and ongoing harm to my personal credit profile and financial standing. I am demanding the immediate removal of the inaccurate and unlawful information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued to seek remedies under all applicable federal consumer protection statutes.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-15 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: World Acceptance Corporation
State: LA

Complaint narrative:
According to 15 USC 1681 section 602 of the fair credit reporting act. there is need to insure that reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's Rights to privacy. " XXXX XXXX XXXX  are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each finance institutions has an affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. Any and all consent to XXXX XXXX whether it be verbal, non-verbal, written implied or otherwise is revoked. XXXX XXXX XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Not only that 15 USC 1681 ( c ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting containing any of the following information any other adverse item of information. Considering that these reporting agencies expose my information for their own gain. the inaccurate information contained on these reports need to removed. also 12 CFR 1016.7 states that " a consumer my exercise the right to opt at any time ''. as of his moment " I am opting out of your Reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-16 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
Im contacting you regarding a hard inquiry that has shown up on my credit report and I want to be absolutely clear : I did not authorize this inquiry in any form, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

I never applied for credit with the company that made this inquiry, and I never gave consent for my credit to be pulled. That means this entry is not only incorrect its a direct violation of federal law.

Under the FCRA, a credit inquiry must have either my explicit authorization or a legally valid reason to be on my file. This has neither. I dont care whether it was an error or a case of misuse it does not belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries So I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.

Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.

Your immediate attention to this matter is appreciated. 

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 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the inaccurate information about an account from XXXX ( Account # XXXX ) on my Equifax credit file. 

The account is currently being reported as charged off, followed by a repossession, which is logically and legally impossible. A charge-off indicates the creditor has already removed the account from its active receivables. Reporting repossession after a charge-off is not only misleading but also violates the Fair Credit Reporting Act ( FCRA ), which requires the information you report to be complete and accurate. 

Furthermore, XXXX claims I owe a remaining balance of {$14000.00} after the vehicle was repossessed and sold for {$6000.00}, based on documentation they provided. However, they failed to apply any credits or unearned finance charges, and the deficiency amount appears inflated and unsupported. Their balance claim does not reflect any itemized deductions or post-sale adjustments. This constitutes unverifiable and misleading reporting.

Under 15 U.S. Code 1681i, I request that you investigate this account and verify its accuracy. If XXXX can not provide complete, accurate, and legally compliant documentation of the account history, status, and balance, I request that you remove this tradeline entirely from my credit report. 

Please provide a written response to this dispute and a copy of any documentation used in your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NJ

Complaint narrative:
I demand verifiable evidence bearing my signature/electronic signature. This letter asserts my consumer rights under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ) and Section 604 ( 15 U.S.C. 1681b ). I have contacted the relevant companies and found that these actions were initiated without proper validation or original documentation from any of the reporting entities.

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