vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX s proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient sent out the misconduct information and i filled it out and returned it with documents via mail. I received a letter saying that my discharge was denied for a variety of factors but not one factor was listed. Navient has to tell me why and give me time to fix it and they did not. This response is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX Balance {$8700.00} XXXX XXXX XXXXXXXX Balance {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have several unauthorized hard inquiries on my credit report. These are fraudulent. I have submitted an FTC report and ask that these inquiries be removed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MI

Complaint narrative:
They reported loan payments as late when I put them in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
There was incorrect things on my XXXX and then they denied me for an auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 am sending this complaint to address discrepancies in my credit report and seek a fair solution. I respectfully request that credit bureaus ensure my personal identifying information is accurate, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX XXXX XXXX {$3000.00} In line with the Fair Credit Reporting Act ( FCRA ), I ask for a comprehensive review and reinvestigation of any disputed items. If an item can not be verified with concrete evidence, I request its immediate deletion to prevent inaccurate reporting from affecting my credit standing.

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 2025-03-04 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX. Right to Dispute Inaccuracies ( 15 U.S.C. 1681i ) Credit bureaus must investigate and correct inaccurate or incomplete information within 30 days ( or 45 days in some cases ).

2. Right to Verification ( 15 U.S.C. 1681s-2 ) If an item is disputed, the credit bureau must verify the accuracy of the information with the original creditor or data furnisher. If they can not verify it, the information must be removed.

3. Right to a Free Corrected Credit Report ( 15 U.S.C. 1681i ( d ) ) If a correction is made due to your dispute, the bureau must provide you with a free updated credit report.

4. Right to Add a Consumer Statement ( 15 U.S.C. 1681i ( b ) ) If the bureau refuses to correct the information, you have the right to add a written statement explaining your dispute.

5. Right to Sue for Violations ( 15 U.S.C. 1681n and 1681o ) If a credit bureau or creditor fails to correct inaccurate information or violates your rights under the FCRA, you may have legal grounds to sue for damages.

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 2025-03-04 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EdFinancial Services
State: GA

Complaint narrative:
**Subject : Formal Dispute Under Fair Credit Reporting Act ( FCRA ) Fraudulent Account** To Whom It May Concern : I am writing to formally dispute the following information on my credit report under Section 623 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). The accounts listed below are fraudulent, and I did not authorize their creation or access to my personal information. 

**Disputed Accounts : ** - [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Reason for Dispute : ** Identity theft/fraud. I did not open this account or permit anyone to use my information.

**Actions Requested : ** 1. Conduct a full investigation into this account.

2. Remove all fraudulent information from your records and notify all credit bureaus to delete it.

3. Provide me with written confirmation of the resolution.

4. Share copies of all documentation related to the accounts creation, including applications and transaction records.

**Enclosures : ** - Copy of my government-issued ID.

- Copy of [ Identity Theft Report/Police Report/FTC Affidavit ] ( if available ).

- [ Additional evidence, e.g., fraud alerts, correspondence ].

As a victim of identity theft, I expect your prompt compliance with FCRA requirements. Failure to resolve this within 30 days may result in legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: CT

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX - DATE OPENED XX/XX/XXXX 8 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I have no explanation for their presence. I regularly review my report, but this time, errors appeared unexpectedly. I even tried refreshing my browser, hoping it was a temporary issue, but the incorrect accounts did not disappear. Because of this, I am requesting that my submitted documents be carefully reviewed so that I no longer have to worry about this problem.

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 2025-03-04 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: TX

Complaint narrative:
Details of the Issue : I am filing a complaint against Experian for failing to properly investigate and correct inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Despite submitting a formal dispute with supporting evidence, Experian has refused to remove or correct the following inaccurate and/or unverifiable accounts : Disputed Accounts : XXXX XXXX XXXX Account charged off. {$1300.00} past due as of XX/XX/year> ( Inaccurate past-due reporting on a charged-off account ). 
XXXXXXXX XXXX XXXXXXXX Account charged off. {$3900.00} past due as of XX/XX/year>XXXX  ( Charged-off accounts should not report as past due ). 
XXXXXXXX XXXX XXXXXXXX Paid in settlement ( Request confirmation that balance is correctly reported as {$0.00} ). 
XXXX XXXX XXXX Account charged off. {$980.00} past due as of XX/XX/year> ( Same inaccuracy as above ). 
XXXX XXXX XXXX XXXX {$880.00} past due as of XX/XX/year> ( Failure to provide proof of ownership of this debt ). 
XXXX XXXX XXXXXXXX No proof of late payment provided ( Failure to verify delinquency as required under 15 U.S.C. 1681i ). 
Violations Include : Failure to Conduct a Reasonable Investigation Experian did not verify the accuracy of the disputed accounts as required by 15 U.S.C. 1681i.

Failure to Ensure Maximum Possible Accuracy Reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ).

Failure to Provide Verification Documentation Experian has not provided evidence supporting the accuracy of the reported information.

Failure to Remove Unverified Accounts Under 15 U.S.C. 1681i ( a ) ( 6 ), if verification is not completed within 30 days, the disputed information must be deleted, yet Experian continues to report it.

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 2025-03-04 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: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
My data been breech wrong name, address and bankrupt on my account. 

XXXX EQUIFAX XXXX All got my account mess up can't buy nothing

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 2025-03-04 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: FL

Complaint narrative:
My data been breech wrong name, address and bankrupt on my account. 

XXXX EQUIFAX XXXX All got my account mess up can't buy nothing

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 2025-03-04 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
I am filing a complaint with FTC regards to the data breach that occurred on my credit reports with all major credit bureaus. ( Equifax, Transunion, Experian and XXXX XXXX ) I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to the following : 1. My academic records and personally identifiable information ( PII ) 2. My free application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information 3. My IRS tax transcript, which were obtained and used without proper authorization. 
Which is a violation of 15 USC 1581 I am demanding the following : Immediate discharge and cancellation of all federal loans, and all negative inquiries on my credit reports which caused an adverse reporting of my personal and business credit reporting.

A formal investigation into this data breach A full report on the extent of my data exposure Immediate notification to all major credit bureaus

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint with FTC regards to the data breach that occurred on my credit reports with all major credit bureaus. ( Equifax, Transunion, Experian and XXXX XXXX ) I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to the following : 1. My academic records and personally identifiable information ( PII ) 2. My free application for XXXX XXXX XXXX ( XXXX ) data, including financial aid history and loan information 3. My IRS tax transcript, which were obtained and used without proper authorization. 
Which is a violation of 15 USC 1581 I am demanding the following : Immediate discharge and cancellation of all federal loans, and all negative inquiries on my credit reports which caused an adverse reporting of my personal and business credit reporting.

A formal investigation into this data breach A full report on the extent of my data exposure Immediate notification to all major credit bureaus

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 2025-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dispute XXXX  Please provide me the evidence that I received the bracelet. 
As far as I know, both the courier receipt and the police report show that I did not receive the bracelet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove this fraudulent item from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any item listed in Identity Theft. Once again HERE ARE THE ITEM THAT I WANTED TO REMOVE! 
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 non-monetary relief
Consumer complaint received 2025-03-04 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: CBC Companies, Inc.
State: MO

Complaint narrative:
Dear Innovis You had emailed me advising that you completed an investigation on the disputed items, but you did not tell me specifically how you disputed the items. I would like to know specifically what method you used to complete the dispute. I would like to know the name and address of the person that you spoke to and the exact name of those involved in the dispute. I wanted to make sure that it was fair, accurate and unbiased as per 15 USC 1681. 
Please do not respond with vague terms, such as data furnishers to avoid additional CFPB complaints Thank you so much for your time. Hopefully, have a good day. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MI

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

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