vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts, address inaccurately reported on my credit file by creditors and debt collectors. Despite my repeated efforts to dispute these items with the credit reporting agencies, the inaccurate, unverifiable, and misleading information continues to appear on my report, causing serious harm to my creditworthiness and financial stability. I respectfully request the CFPB to intervene, investigate these matters thoroughly, and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have outlined each disputed account below with supporting facts and applicable legal violations. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED : XX/XX/XXXX BALANCE OWED : {$1100.00} LATE PAYMENT * * Law Issue : 15 usc 1681s-2 and 1681i require creditors to report accurate information and credit bureaus to reinvestigate disputed data Story : this account shows a late payment that i never made i always paid this account on time and was never notified of any delinquency this negative reporting is incorrect and harms my credit score and credibility please verify with the furnisher and remove the late mark immediately if it can not be proven XXXX  XXXX XXXX XX/XX/XXXX INQUIRY Law Issue : 15 usc 1681b does not allow credit inquiries without consumer-initiated action Story : i have no account or application with XXXX XXXX XXXX and this inquiry was placed without my consent i want this unauthorized inquiry removed to correct my report XXXX XX/XX/XXXX INQUIRY Law Issue : all inquiries must be based on consumer-initiated applications as per 15 usc 1681b Story : this inquiry was not authorized and i did not apply for any service from XXXX this hard inquiry was done without my knowledge and must be deleted These accounts, address have significantly harmed my creditworthiness and mental well-being. I respectfully request that the CFPB take immediate action by initiating an investigation, compelling the data furnishers to provide full documentation verifying these debts or instructing the credit bureaus to delete the accounts due to failure to comply with federal consumer protection laws. I am also requesting that all credit bureaus update or delete any inaccurate information resulting from this dispute. I am exercising my rights under the FCRA and FDCPA and seeking the assistance of the CFPB to enforce fair and accurate reporting practices as guaranteed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MPOWER Financing, Public Benefit Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX, after completing my XXXX, I contacted MPOWER Financing to secure a loan for a XXXX XXXX XXXX program at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative named XXXX XXXX, who assured me that : MPOWER does not perform U.S. credit checks or report to U.S. credit bureaus. 
The loan would cover my full academic year ( XXXX  XXXX and XXXX XXXX ). 
Payments would begin only after graduation. 

I applied and was approved for a loan in the amount of {$64000.00}, which I submitted to my schools XXXX for XXXX issuance. After receiving the XXXX and arriving in the XXXX, I was transferred to a relationship manager named XXXX XXXX XXXX He confirmed the loan was approved and that disbursement would occur across XXXX semesters. I was told there was nothing more I needed to do and MPOWER would handle the disbursement directly with my school. 

However, during XXXX XXXX, I received an email thanking me for accepting a loan of only {$27000.00}, with repayment scheduled to begin in XX/XX/XXXX. I immediately called XXXX and asked why the amount was not what I had applied for. He reiterated the loan was approved for XXXX disbursements and I should continue paying on the {$27000.00} in good faith. I followed his advice and began making payments through XXXX XXXX. 

In XX/XX/XXXX, while preparing for XXXX XXXX enrollment, I was notified by XXXX that my tuition was unpaid. I contacted MPOWER again and was informed that XXXX was no longer with the company and that no second disbursement would be issued. I was told to reapply for a new loan, even though the original application was based on a one-year funding plan. 

I then requested : An internal investigation into the handling of my loan, Access to the original loan agreement ( as I only have e-signature confirmation ), and Call recordings or proof of my conversations with MPOWER staff.

Instead, MPOWER simply reiterated that I needed to reapply. 

To make matters worse, despite being told no XXXX credit check or reporting would occur, the loan was reported to XXXX XXXX XXXX damaging my credit history as an XXXX  XXXX  without prior credit. I was not notified this would happen and did not consent to it. 

I am now left with an unpaid tuition balance, harmed credit, and a partial loan I would not have accepted had I known the true terms. This has placed my XXXX  XXXX, education, and financial future at risk.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 was never late on this account. 
XXXX or 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 non-monetary relief
Consumer complaint received 2025-07-28 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/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 2025-07-28 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-28 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 XXXX 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 2025-07-28 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XX/XX/XXXX * * Subject : Formal Dispute of Inaccurate Information Notice of Potential FCRA Violations * * To Whom It May Concern, Under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, I am disputing multiple inaccuracies on my credit report and demanding immediate correction. * * Each violation of the FCRA exposes your company to statutory damages of up to {$1000.00} per violation, plus actual damages, attorneys fees, and punitive damages in cases of willful noncompliance ( 15 U.S.C. 1681n ). * * # # # * * Legal Basis for {$1000.00} Per Violation * * The FCRA imposes strict liability on credit reporting agencies for failing to maintain reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Courts have consistently ruled that consumers may recover * * statutory damages of {$100.00} to {$1000.00} per violation * * for willful or negligent noncompliance, even without proving actual harm ( * XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) ). 

# # # * * Specific Errors & FCRA Violations * * 1. * * Incorrect Delinquency Reporting ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Accounts falsely marked as " past due '' or " charged off '' without evidence. 
- * * Violation * * : Failure to verify information under 1681i ( a ) ( 1 ) ( A ). 

XXXX. * * Unverified Charge-Off ( XXXX XXXX XXXX ) XXXX XXXX  - Reported as " charged off '' despite payment records showing activity. 
- * * Violation * * : Reporting unverified derogatory information ( 1681e ( b ) ). 

XXXX. * * Inconsistent Balance Reporting ( XXXX XXXX XXXX ) XXXX XXXX - Wild fluctuations in balance history without justification. 
- * * Violation * * : Failure to maintain reasonable accuracy ( XXXX ( b ) ). 

XXXX. * * Outdated Information ( XXXX XXXX XXXX XXXX ) XXXX XXXX - Alleged " settlement '' not corroborated by my records. 
- * * Violation * * : Reporting obsolete information ( 1681c ( a ) ). 

# # # * * Demands * * 1. * * Delete or correct all inaccuracies * * within 30 days ( 1681i ( a ) ( 1 ) ).

2. * * Provide written verification * * of corrections and sources of disputed data.

3. * * Notify all third parties * * who received the erroneous report in the past 6 months ( 1681i ( d ) ). 

* * Failure to comply will leave me no choice but to pursue legal remedies, including statutory damages of {$1000.00} per violation, plus attorneys fees. * * Sincerely, * * XXXX XXXX XXXX * * * * Enclosures * * : - Copy of drivers license - Proof of address - Relevant payment records -- - * * Key Legal References * * : - * * 15 U.S.C. 1681n * * : Statutory damages for willful noncompliance. 
- * * 15 U.S.C. 1681i * * : Duty to reinvestigate disputed items.

- * * 15 U.S.C. 1681e ( b ) * * : Accuracy obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have been paying on a XXXX XXXX XXXXXXXX since XX/XX/XXXXXXXX  with monthly payments of {$240.00}, yet I still owe over {$7300.00}. The car is worth far less than the loan, and I believe I was given a high-interest, predatory loan that was designed to keep me in a cycle of debt. I have already experienced one repossession and am facing financial hardship. I am requesting loan cancellation and refund consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-28 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: Io, Inc.
State: VA

Complaint narrative:
I called and gave them info that they asked for and then they say we can't speak with you and that someone would call me back and don't

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy ( U.S. Bankruptcy Court ) # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-28 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-28 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation