vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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: MI

Complaint narrative:
Subject : Formal Notice of Intent to Initiate Civil Litigation To Whom It May Concern : This correspondence shall serve as my formal Notice of Intent to Sue Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection statutes. 

Despite multiple formal disputes and legal notices, your agencies have continued to report inaccurate, unverified, and unlawful information on my consumer credit file, causing irreparable harm to my financial standing, credit reputation, and peace of mind. 

Specifically, the violations include but are not limited to : Continued reporting of inaccurate derogatory items ( including late payments, hard inquiries, and repossessions ) Failure to conduct lawful and timely reinvestigations as required by 15 U.S.C. 1681i Reporting of accounts that were never authorized or opened by me, or that are subject to exclusion under 15 U.S.C. 1681a-2 Failure to block fraudulent or disputed items under 15 U.S.C. 1681c-2 Furnishing of information by data furnishers that violate 15 U.S.C. 1681s-2 ( a ) Negligent and/or willful noncompliance resulting in tangible and intangible damages Legal Remedies Sought : Should this matter not be fully resolved within 10 calendar days from receipt of this letter, I will initiate legal proceedings in XXXX XXXX XXXX. The complaint will include claims for : Statutory damages under 15 U.S.C. 1681n and 1681o Punitive damages for willful noncompliance Actual damages, including denial of credit and reputational harm Attorneys fees and legal costs Injunctive relief to compel permanent removal of all disputed data This is not a threat but a declaration of legal recourse based on your continued violations of federal law. 



Final Opportunity to Cure : You may avoid litigation by : 1. Removing all inaccurate and disputed accounts from my credit report 2. Providing written confirmation of such action within 10 days 3. Ensuring no re-reporting of such items in the future without full legal certification GOVERN YOURSELVES ACCORDINGLY. 



Sincerely, : XXXX XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MI

Complaint narrative:
Subject : Formal Notice of Intent to Initiate Civil Litigation To Whom It May Concern : This correspondence shall serve as my formal Notice of Intent to Sue Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection statutes. 

Despite multiple formal disputes and legal notices, your agencies have continued to report inaccurate, unverified, and unlawful information on my consumer credit file, causing irreparable harm to my financial standing, credit reputation, and peace of mind. 

Specifically, the violations include but are not limited to : Continued reporting of inaccurate derogatory items ( including late payments, hard inquiries, and repossessions ) Failure to conduct lawful and timely reinvestigations as required by 15 U.S.C. 1681i Reporting of accounts that were never authorized or opened by me, or that are subject to exclusion under 15 U.S.C. 1681a-2 Failure to block fraudulent or disputed items under 15 U.S.C. 1681c-2 Furnishing of information by data furnishers that violate 15 U.S.C. 1681s-2 ( a ) Negligent and/or willful noncompliance resulting in tangible and intangible damages Legal Remedies Sought : Should this matter not be fully resolved within 10 calendar days from receipt of this letter, I will initiate legal proceedings in XXXX XXXX XXXX. The complaint will include claims for : Statutory damages under 15 U.S.C. 1681n and 1681o Punitive damages for willful noncompliance Actual damages, including denial of credit and reputational harm Attorneys fees and legal costs Injunctive relief to compel permanent removal of all disputed data This is not a threat but a declaration of legal recourse based on your continued violations of federal law. 



Final Opportunity to Cure : You may avoid litigation by : 1. Removing all inaccurate and disputed accounts from my credit report 2. Providing written confirmation of such action within 10 days 3. Ensuring no re-reporting of such items in the future without full legal certification GOVERN YOURSELVES ACCORDINGLY. 



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 2025-05-05 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
You failed to respond to my XX/XX/year>, dispute letter within the XXXX  days required by federal law. This is a clear violation of the Fair Credit Reporting Act, and Im prepared to file a formal complaint with the FTC for your noncompliance. 

I am giving you XXXX  days to fix this. The XXXX account ( # XXXX ) is inaccurate and must be verified with proper documentation or removed immediately. Provide the method of verification used, plus the names and contact info of all parties you contacted. 

This is your final warning. If you dont respond properly, I will pursue legal action and notify all relevant authorities.

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 2025-05-05 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: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-05 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: WA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
Consumer Name : XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting XXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-05 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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:
Today, I noticed some unfamiliar and inaccurate accounts showing up on my credit report, and Im unsure why. I routinely check my report, but this time I found errors that came out of nowhere. I tried reloading the page, thinking it was a temporary issue, but the accounts were still there. Im now requesting a thorough check of the documents I sent, as I want to avoid dealing with this kind of problem again.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
This is a formal demand for urgent correction under the Fair Credit Reporting Act ( FCRA ). In XXXX, my federal student loan was paid in full, and no further communications were issued from the servicer for several years. In XXXX, without any lawful notice, Aidvantage reported the account as delinquent to XXXXdespite the fact that no principal or interest was outstanding, and no legitimate transfer of servicing had been acknowledged or approved by me. 

In good faith, I made a {$2400.00} payment under duress while disputing the charge and immediately requested verification of the debt, account payment history and lawful authority to collect. No such documentation has been provided. This violates 15 U.S. Code 1681s-2, which requires data furnishers to report accurate, complete, and verifiable information.

Experian has failed to correct the derogatory mark despite being furnished with the following : Aidvantage confirmation emails stating loan paid in full Proof of payment CFPB case files Credit report screenshots showing the inaccurate derogatory label despite account status as paid and closed This erroneous reporting is not only negligentit is willful. As a result, I have been denied credit and am suffering ongoing financial harm and reputational damage. I am formally requesting : Immediate deletion of the delinquency from Experians records Full refund of the {$2400.00} payment made without proof of lawful debt A written confirmation of correction within 24 hours of receiving this notice If this is not resolved by XX/XX/XXXX, I will escalate this to legal action and seek damages for FCRA violations, financial harm, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I'm calling to start my process to repay. I consistently get an actual answer to contact someone else. I've been working on this for months, with no one picking up. Now all I get are calls to contact the Dept. of Treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NC

Complaint narrative:
Stated that XXXX XXXX card used for years is now invalid and to use new pin which I did. Still didnt work. Therefore, I didnt get my XXXX payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called customer service on XX/XX/2025 XXXX : XXXX XXXX EST .. requesting to file a dispute because im unable to file a dispute on my own. The message received is : For security reasons, we can not process your dispute online. Please contact us below. 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX Contact us : ( XXXX ) XXXX Ask the representative to disute the item and add the note ; I am requesting the description of reinvestigation procedure according to 15USC 1681i ( 7 ) states if requested by the consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline Which he wouldn't do. He stated him putting investigate the debt would be just fine. This is the XXXX time filling a complaint with Experian about the way they are handling my credit reports. 



In light of the recent lawsuit filed against Experian by the CFPB, I am requesting a thorough and fair investigation of the disputed information on my credit report. 


The lawsuit highlights concerns regarding compliance with federal consumer protection laws, and the accuracy of credit reporting practices. 


As a consumer, 1 trust Experian will uphold its responsibility under the Fair Credit Reporting Act to ensure that all information reported is accurate, complete, and verifiable. 
If the disputed information can not be verified as accurate after a fair investigation, I respectfully request its prompt deletion from my credit file. 


This request is made in good faith to ensure my credit report reflects truthful and accurate 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Check was deposited in good faith and was excepted, then reversed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I filed XXXX XXXX bankruptcy. My case no was XXXX. 
My bankruptcy was XXXX on XX/XX/XXXX. 
On XX/XX/XXXX XXXX XXXX XXXXXXXX was awarded a judgement for Portfolio Recovery Associates who purchased the debt from XXXX. All XXXX creditors were notified that the debt was XXXX in bankruptcy. XXXXXXXX XXXX XXXXXXXX was notified of the bankruptcy discharge by first class mail on XX/XX/XXXX. Portfolio Recovery associates was sent an email on XX/XX/XXXX and XXXX was sent an email on XX/XX/XXXX. All were advised of the discharge. 
I attempted to contact XXXX XXXX XXXX to have the debt show satisfied in the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX is no longer an active law firm and there is no longer any contact information. 

I attempted to contact Portfolio Recovery Associates to get the information removed. I spoke with XXXX XXXX who asked if my attorney was still representing me. I advised her that the XXXX XXXX XXXX XXXX XXXXo, so I am not sure how to answer that question. She advised that she would not be able to give me any information on the situation because I would not answer yes or no.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$590.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$150.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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