vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Experian/Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : 1. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$3600.00} 2. DEPT OF EDUCATION/XXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$6300.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX | Amount : {$850.00} 4. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent Charged off accounts and late payments appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, loans, or hard inquiries as reported. The aforementioned accounts, missed payments, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charged off accounts, and hard inquiries are the result of identity theft and fraud.I have attached copies of FTC Identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Under FCRA 611 ( 15 U.S.C. 16811 ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit.Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
Consumer Name : XXXX XXXX XXXX XXXX : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion/Experian/Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following accounts : 1. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$3600.00} 2. DEPT OF EDUCATION/XXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX | Amount : {$6300.00} XXXX XXXX XXXX XXXX XXXX  Account # : XXXX | Type : Credit Card | Opened : XX/XX/XXXX | Amount : {$850.00} 4. DEPT OF EDUCATIONXXXX Account # : XXXX | Type : Loan | Opened : XX/XX/XXXX These accounts have resulted in several fraudulent Charged off accounts and late payments appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, loans, or hard inquiries as reported. The aforementioned accounts, missed payments, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charged off accounts, and hard inquiries are the result of identity theft and fraud.I have attached copies of FTC Identity Theft Criminal Complaints # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Under FCRA 611 ( 15 U.S.C. 16811 ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit.Please explain why it was not removed initially, despite my submission of all required documents, including my ID, Social Security, proof of address, and FTC Identity Theft report. I also request disclosure of the investigation method used, as required by law, and evidence that the credit bureau contacted the FTC to verify the affidavit, including the names and addresses of any persons or entities involved. Recent lawsuits against XXXX reveal troubling patterns of non-compliance, emphasizing the need for adherence to federal law. As required under FCRA 605B, I expect a complete investigation and all requested documentation within four business days. Should you fail to delete this account within the timeframe, I demand the name and address of anyone contacted to verify the disputed information.

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 2025-03-19 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
This letter serves as a formal dispute regarding adverse information present in my consumer report with Chex Systems. I hereby demand a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws

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 2025-03-19 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-03-19 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: OR

Complaint narrative:
I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. 

I have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. 

This ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. 

I have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. 

Thank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.

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 2025-03-19 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: LEXISNEXIS
State: OR

Complaint narrative:
I am writing to formally address the ongoing issues with my credit reports and request immediate intervention. My Social Security number was stolen during the XXXX  XXXX data breach, which I confirmed through their official website. Since then, I have repeatedly discovered incorrect names, Social Security numbers, addresses, and phone numbers on my credit reports, indicating fraudulent activity such as credit cards with providers I have previous business relationships with, loans and multiple inquiries. 

I have made multiple attempts to work with the CFPB and the credit reporting agencies to resolve these discrepancies, yet the inaccurate information remains on my credit file. Despite submitting documentation proving my identity, the credit bureaus continue to report incorrect personal details and accounts that do not belong to me. The CFPB has previously responded by stating that the credit bureaus have verified my information ; however, their verification process has failed to remove fraudulent data that does not match my legal identification. 

This ongoing issue has significantly impacted my financial standing and caused undue hardship. I am once again requesting that the CFPB take direct action to ensure that these fraudulent accounts and false information are permanently removed from my credit reports. Additionally, I would like to understand why, after multiple disputes, these errors have not been corrected. 

I have attached supporting documentation, including my credit reports, identification, and previous correspondence with the CFPB and credit bureaus, for your review. I urge the CFPB to hold these agencies accountable and to assist me in restoring the accuracy of my credit file. 

Thank you for your immediate attention to this matter. Please provide me with an update on the necessary next steps to fully resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Multiple credit pulls from company without permission in order to obtain a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-19 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX ) XXXX XXXX Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX Balance {$960.00}, XXXX XXXX XXXX Balance {$1000.00}

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 non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Following are ( 1 ) my letter to Customer Service, and ( 2 ) my email to the CEO : 1. Experian Customer Care XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXDear Sir or Madam, I was not able to log in using my username and password, and when I asked to reset, it also would not accept my birthdate and social security number. I called customer service, but was not able to reach a live person. I want to freeze my credit report. 

I am requesting that you make my account accessible to me and freeze my credit report. Thank you for your assistance. 

XXXX. XXXX XXXX XXXX Dear XXXX XXXX, I have received no reply to my letter to Customer Care sent onXX/XX/XXXX and pasted below. I need to freeze my credit report, but I am unable to access my account as detailed in the letter. I am requesting that your office freeze my credit report and make my account accessible to me. 

Thank you in advance for your assistance. 

Yours 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 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 2025-03-19 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: AR

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.

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 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Newport Intermediate Inc.

Complaint narrative:
I called all phone numbers on card and letter with card, used the website and in all cases could not reach a human, and card activation failed online and by phone at step needed " zipcode/postcode - i entered original account zipcode and XXXX postcode and nothing worked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
ACCORDING TO 15 USC XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C XXXX section XXXX XXXX States I have the right to privacy. 

15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
I am submitting this complaint against MOHELA regarding their improper handling of my student loan forbearance and their failure to provide adequate customer service. My account has been in forbearance since XX/XX/2024 after applying for and while awaiting approval for an Income-Driven Repayment ( IDR ) plan. Stated my application should be processed in XXXX and to call back in XXXX for updated. MOHELA assured me that all accounts would remain in forbearance until approval. However, they have removed my forbearance status prematurely, resulting in my account showing a due payment of over {$1000.00} per month. They state on their voice message that all accounts prematurely removed from forbearance would be placed back on 10 days prior to due date. We are past my due date and I have yet to have this happen and has just received a new statement for next month with a now past due amount. 

This unexpected removal from forbearance is causing significant financial distress. As a single mother balancing work and childcare, I can not afford these high payments while waiting for my IDR plan to be processed. Additionally, I have made multiple attempts to contact MOHELA for clarification and resolution, but their customer service wait times exceed four hours, making it impossible for me to get through while also trying to work and take care of my household. 

The failure to honor the promised forbearance period and the lack of accessible communication is unacceptable. If this situation is not rectified immediately, it could negatively impact my credit and financial stability. I request the following actions from MOHELA : Immediate reinstatement of my forbearance until my IDR payment plan is officially processed and implemented. 

Written confirmation that my account will not be reported as delinquent or negatively impact my credit due to their administrative failure. 

A clear resolution timeline and a direct contact method for further inquiries. 

I expect a prompt resolution to this matter, as I have taken all necessary steps to remain in compliance while waiting for my repayment plan. I appreciate your attention to this urgent issue and look forward to your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation