vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX regarding their inability to provide me with proper documentation to verify my account information. I have made multiple attempts to contact XXXX XXXX, but they have failed to resolve the issue. I believe the root of the problem lies in the fact that the contact information they have on file for me, including my email address, phone number, and address, is incorrect. 

I have attempted to get in touch with XXXX XXXX to clarify and correct my contact details, but despite these efforts, they have been unable to offer any solutions or provide the requested documentation. As a result, I am unable to verify the accuracy of my account and can not move forward with any necessary actions related to my account. 

The inaccurate information on file is preventing me from resolving my account issues and ensuring that my records are correct. I am requesting your assistance in addressing this matter, as XXXX XXXX  failure to provide accurate documentation is severely hindering my ability to manage my account. 

Please advise on the next steps and let me know if any further information is needed from my side to help facilitate the resolution of this complaint. I am hoping that your office can assist in holding XXXX XXXX accountable for this issue and help me obtain the necessary documentation to verify my account. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-02-12 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: NV

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-12 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: CT

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-02-12 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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 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
Consumer complaint received 2025-02-12 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: MD

Complaint narrative:
" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I am filing this complaint regarding the unauthorized access and potential data breach of my and my wifes federally protected student loan records. To the best of my knowledge, our student loan data was accessed without our prior authorization by the Department of Government Efficiency ( DOGE ), a non-governmental entity associated with Elon Musk. 

What Happened? 

Unauthorized Access : - Reports from XXXX XXXX ( XX/XX/year>2025 ), XXXX ( XX/XX/year>2025 ), XXXX XXXX ( XX/XX/year>2025 ), XXXX XXXX XXXX ( XX/XX/year>2025 ), and XXXX  ( XX/XX/year>2025 ) confirm that DOGE personnel accessed federal databases, including student loan records. 
- It has been further reported that student loan data XXXX have been copied to private servers controlled by DOGE. 
- Congressional representatives were denied entry to the Department of Education by DOGE personnel, raising concerns about transparency in the agencys handling of federal student loan data. 
My Actions : - I have not authorized any third-party access to my student loan records beyond my designated loan servicer. 
- I have requested clarification from my loan servicer regarding who accessed my records and under what legal authority. 
- I am filing this complaint because I believe that my servicer and the Department of Education failed to properly safeguard my private student loan data under FERPA and federal privacy laws.

Requested Action : - A full audit of my student loan records to determine who accessed my data, when, and under what authority. 
- A written response from my loan servicer explaining how this unauthorized access occurred and what measures will be taken to prevent future breaches. 
- Corrective action to ensure that my and my wifes personal and financial data is protected from further unauthorized access. 

This situation has caused significant emotional distress and financial uncertainty, as I now have concerns about the security of my student loan records and possible identity theft risks. Given the severity of this issue, I request that the Consumer Financial Protection Bureau escalate this matter and ensure that the appropriate federal agencies take immediate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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 ( 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 2025-02-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no knowledge of this account. I have attached supporting documents

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 2025-02-12 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding Experian, XXXX, and XXXX handling of my credit report and their failure to properly investigate and verify an inaccurate XXXX XXXX account that is being reported. These credit reporting agencies have repeatedly sent stall letters and have not conducted the necessary investigation to resolve discrepancies in the reported balance and payment history on my XXXX XXXX account. This is not only a violation of my rights under the Fair Credit Reporting Act ( XXXX ) but also constitutes fraud as the reported information is inaccurate. 
I have disputed the following XXXX XXXX account with all three credit bureaus, but my disputes have not been properly addressed : XXXX CARD - XXXX The balance reported on my credit report does not reflect the actual balance of the account, and the payment history is incorrect, which negatively impacts my XXXX XXXX and financial standing. These inaccuracies have persisted despite my multiple attempts to resolve the issue directly with Experian, TransUnion, and Equifax. 
Under the FCRA, XXXX XXXX, credit bureaus are required to investigate disputes within XXXX  days, and Section XXXX mandates that the information they report must be accurate and verifiable. However, instead of conducting a legitimate investigation into my dispute, all three credit bureaus have sent me stall letters and failed to provide adequate verification of the reported information. They have not addressed the inaccuracies in the XXXX XXXX account despite my clear evidence of discrepancies. 
This failure to properly investigate and verify the inaccuracies constitutes a violation of my consumer rights and is an act of fraud, as it is misrepresenting my financial history to third parties and negatively affecting my credit profile. 
I am requesting that your office investigate the practices of Experian, TransUnion, and Equifax in this matter. They have not only violated my rights by failing to comply with the FCRA, but they are also engaging in actions that result in fraudulent reporting on my credit file. The inaccurate reporting of this XXXX XXXX account must be corrected, and I insist that the credit bureaus either verify the account accurately or permanently remove it from my credit report. 
Please find enclosed copies of the relevant documents, including the dispute letters I sent to the credit bureaus, the stall letters I received in response, and my credit report showing the disputed XXXX XXXX account with the incorrect balance and payment history. 
I appreciate your prompt attention to this matter and look forward to your response. I trust that your office will take the necessary steps to hold Experian, TransUnion, and Equifax accountable for their failure to comply with the FCRA and their continued fraudulent reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: OH

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent and my outdated personal information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no knowledge of these accounts and I have sumbitted supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries that have appeared on my EQUIFAX credit report. These inquiries were made by companies with which I have no business relationship, no prior dealings, and for which I did not provide consent. According to 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a company must have a permissible purpose before accessing my credit report. Inquiries made without my authorization violate my consumer rights and negatively impact my credit score. Since I never applied for credit, loans, or services with the listed companies, these inquiries are unlawful and unauthorized. 

1. XXXX XXXX XXXX XXXX  2. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle, numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately They told me that recovering lost funds was impossible. And that tracking the funds was unfeasible. The CSPBs findings indicate. That cell was not only negligent. To protect consumers, but has also also allowed repeat offenders to exploit the system leaving users, vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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