vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am submitting this complaint because a closed installment loan account with XXXX is continuing to report inaccurately and negatively on my credit file. 

As of XX/XX/year>, the account reflects a {$0.00} balance and is marked as closed, yet it is still being reported as In Collections and Derogatory. It is also listed as Purchased by another lender, but no other company has reached out with proper validation, and no new owner is actively furnishing data. 

Under the Fair Credit Reporting Act ( FCRA ), all credit report entries must be 100 % accurate, complete, and verifiable. In this case, the information being reported is misleading and potentially damaging to my credit profile. It is unclear who currently owns this account, and there has been no validation or contact regarding its legal standing or reporting authority. 

I am requesting that the CFPB investigate this matter. If XXXX no longer owns the account and can not validate its continued reporting, the account should be corrected or removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am writing to formally dispute the student loan account ( XXXX ) reported on my credit file. Due to the recent data breach involving the U.S. Department of Education ( DOE ) and its loan servicers, the accuracy, security, and validity of my student loan records have been compromised. 

Under FCRA 611 ( a ) ( 1 ) ( A ), I am requesting an immediate investigation into this account, as I believe the information reported may be inaccurate, incomplete, or unverifiable due to this breach. Specifically, I am requesting : Full verification of the chain of custody of this loan, including proof of ownership and transfer records.

Documentation proving the legitimacy of the debt, ensuring my personal information was not improperly accessed or manipulated due to the breach.

Immediate removal of the account if verification can not be provided within 30 days, as required by the FCRA. 

Given the severity of the data breach and the potential compromise of borrower records, I urge your office to act swiftly in investigating and resolving this dispute. Please provide written confirmation of your findings and any changes made to my credit report as a result of this dispute. 

If this matter is not resolved satisfactorily, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further legal action to protect my credit profile. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX, 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 2025-04-02 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: FL

Complaint narrative:
I am writing to dispute the inaccurate and misleading information being reported on my credit file in reference to the above-referenced account from XXXX XXXX XXXX. 
The following information is being reported inaccurately : Account XXXX : XXXX XXXX : {$10000.00} Comments : XXXX was taken back by credit grantor ; there may be a balance due. 
Last Payment Date : XX/XX/year> Date Last Active : XX/XX/year> This account is showing a repossession with a remaining balance, which is misleading, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ). Heres how : Violations of the FCRA FCRA 607 ( b ) [ 15 U.S. Code 1681e ( b ) ] Credit bureaus are required to maintain maximum possible accuracy in the reporting of consumer information. Reporting both a repossession and a charge-off balance without validating the post-sale deficiency is a violation of this requirement.

FCRA 611 ( a ) [ 15 U.S. Code 1681i ] You are required to conduct a proper reinvestigation of any disputed information within 30 days. I am demanding a full reinvestigation of this account, including validation from the data furnisher. 
FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX has a duty to only furnish information that is accurate and complete. 
Reporting a charge-off after repossession without accounting for a vehicle sale or deficiency letter is incomplete and misleading. If the vehicle was sold, the remaining balance must be adjusted properly if no sale occurred, proof of ownership and balance breakdown must be provided. 
FCRA 609 ( a ) ( 1 ) ( A ) I am requesting full documentation and verification of the original contract, payment history, repossession records, and post-sale accounting. If you can not provide this, the account must be removed under federal law. 

Demand for Deletion Due to the inability to verify this debt with complete and accurate information including lack of proper deficiency breakdown, failure to report accurately post-repossession, and misleading remarks I am demanding the immediate deletion of this account from my credit report. 
If your office is unable to provide verifiable documentation within 30 days of receipt of this letter, this account must be permanently removed. 
Please send me written confirmation of the results of your reinvestigation.

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 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: WV

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail with a new debit card from Chime bank. I did not open this card or request any information from this company. On the same day ( XX/XX/XXXX ), I contacted Chime by calling the phone number listed on the debit card. I spoke with XXXX in the fraud department and provided him my name and debit card number. I told him that I did not open this account nor did I have any knowledge of it being opened. He opened an investigation but stated he would be unable to close the account until I filed a complaint with the FTC and provided Chime with photographic evidence of the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: GA

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 2025-04-02 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My first severe identity theft occurred in XXXX and then again seven years later. Online on Experians site, while attempting to obtain my free credit report, I was unable to pass verification of identification, as an email unknown to me was listed attached onto my name. XXXX is and has never been my email. After numerous failed attempts to correct this information via phone and Experians site, I gave up trying. 

Today, on XX/XX/XXXX, I decided to try again. This time, I spoke with a live human representative at Experians dispute department who informed me to call the membership subscription phone number with Experian to try to resolve this issue. He stated he could not help me because this matter would require handling by the membership department. I asked him if live humans work at this department as I have tried several times in the past to contact a help agent and an automated robot directs me to Experians website before ending my call. He assured me has witnessed live personnel working in this particular department I was being routed to. 

The number I was routed to today is the number to the subscription/ membership department. Phone number XXXX is a number I have tried calling many times in the past. This number is an AI generated automated recording that informs me to visit the Experian website subscription site before it ends my call [ everytime ]. And so, again, I am defeated, at my wits end, not sure how to correct fraudulent information listed on Experians website.

I am sure this fraudulent information is also listed on my credit report. The person who stole my identity I am sure has a phone number attached onto this unknown email with my name and goes in and out of my credit file opening up more & more credit cards or revolving home loans.

Please help me. Please.

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 2025-04-02 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXXXXXX XXXX XXXX ( Account # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I'm trying to see, if I'm OWED Mone

y. Here To Find Out & Not Press No Issues, with the Company called " Cashapp '' But : I'm Hearing, Security was handling Info Correctly, Which Made Me Wonder More. Can Ya 'll See : If Everything is Good To Go Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 seven 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 non-monetary relief
Consumer complaint received 2025-04-02 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by XXXX. This request is based on the recent deletion of the account by XXXX, one of the four major credit reporting agencies. I recently disputed two charge-offs {$44000.00} from XXXX XXXX and {$9600.00} from XXXX XXXX XXXX on my XXXX report. After a thorough investigation, XXXX has completely removed these unverifiable debts from my report as of XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies are required to ensure that the information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after determining it to be unverifiable, I respectfully request that you take similar action and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has removed this account, I urge you to take similar action. 


FCRA Section 623 ( 15 U.S.C. 1681s-2 ) mandates that information suppliers report only complete and accurate information. As XXXX has deemed this information unverifiable, I strongly encourage you to align your records accordingly. 


Please confirm the removal of this account within 30 days of receiving this request. If the account is not removed, I will be prepared to pursue further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse under the Fair Credit Reporting Act ( FCRA ), specifically Section 616 ( 15 U.S.C. 1681n ) for willful non-compliance and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts the integrity of my credit report. Please notify me in writing once the deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered an unauthorized inquiry on my credit report today, and I have no explanation for it. I always monitor my report, and this unexpected discrepancy has left me extremely frustrated. I even refreshed my browser, hoping it was an error, but nothing changed. I need this issue resolved immediately, and I expect a thorough review of the documents I sent to prevent this from happening 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