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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I would like the inaccurate information and these inaccurate accounts removed from my consumer report effective immediately, which is my right as a Federally protected consumer under the FCRA and Title 15 of the United States Constitution. 
Only the name XXXX XXXX should be present on my consumer report XXXX XXXX XXXX and XXXX XXXX should be removed from theses illegal aliases do not correctly nor lawfully identify me, they are not my correct name XXXX XXXX please remove them. 
The following EMPLOYMENT INFO must be removed effective immediately XXXX XXXX XXXX And XXXX XXXX I have never worked at these establishment nor can I be reached at these locations or places of employment. Which is lawfully private information Please remove this inaccurate information for my consumer report as it does not accurately represent me the consumer. 
ADDRESSES REPORTED XXXX XXXX XXXX, XXXX  this is a non-malleable address. I can not be reached at this address. I awfully can not receive mail or be contacted here. Please remove this address. 
Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want these hard inquiry removed from my consumer report. 

YEAR OF BIRTH XXXX Must be removed Inquiry XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX, XXXX I would like this in accurate information DELETED from all forms of my consumer report. Which is my right under 15 USC 6802.

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: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
CFPB : I wish to file a SECOND COMPLAINT AGAINST US BANK OF THEIR LACK OF ACTION IN A TIMELY MANNER TO GRANT MY DEED IN LIEU OF FORECLOSURE! THIS IS NOT A DUPLICATE COMPLAINT! 
XXXX XXXX XXXX XXXX XXXX and person on a fixed income losing my XXXX XXXX XXXX XXXX XXXXncreased condo fees insurance costs and engineering studies! my condo fees went up XXXX $ in XXXX year which is NOT sustainable on a fixed income! 
i requested a deed in lieu of foreclosure WAY BACK IN XX/XX/XXXX for that matter the bank knew i was having difficulties WAY BACK IN XX/XX/XXXX! The bank has done little or nothing since then and their representative XXXX XXXX XXXX keeps offering excuse after excuse for 5 months now!!! nothing has been done. I told us bank they could have the property back way back in early XXXX and XXXX XXXX keeps offering excuses such as my supervisor is on vacation! I am not fighting the foreclosure im asking us bank to freaking move as i'm a XXXXXXXX XXXX XXXX XXXX XXXX They have had 5 months now to offer the deed in lieu paperwork and florida state government has offered to help as well. US BANK KEEPS GOING IN CIRCLES WITH THE VA, 5 months later saying we need a new appraisal ( no you don't ) and an exterior inspection. XXXX XXXX of the VA had told me nothing about these studies and said the va doesn't have these requirements. US BANK IS LYING TO ME AND TRYING TO INCREASE THE BILL SO THEY GET PAID MORE! in addition XXXX XXXX refused to give a contact number and us bank call center doesn't even know who he is! US BANK IS SXXXX XXXX XXXX XXXX XXXX XXXX  WHILE THEY OWN A FOOTBALL STADIUM AND THEIR CEOs are all XXXX! this is wrong! ' XXXX XXXX now nothing has been done! I DEMAND THE DEED IN LIEU PAPERWORK NOW! foreclosure would be years from now and cost us bank XXXX of thousands of dollars! US BANK HAS A XXXX $ guarantee which they are illegally trying to maximize and lie to me constantly! stop this now! THE VA HAS ALREADY APPROVED THE DEED IN LIEU. you are causing me many 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am the victim of identity theft and have submitted an official FTC Identity Theft Report ( No. XXXX ). The account from AFFIRM INC ( Account XXXX. XXXX ) was fraudulently opened in my name without my knowledge or authorization. I have disputed this account multiple times with XXXX, yet they continue to report it as " verified '' without providing any documentary evidence, call recordings, or validation documents as required by law. Despite repeated formal disputes, no proper reinvestigation has been conducted, and no validation was provided under Section 611 of the Fair Credit Reporting Act ( FCRA ), nor have they complied with 12 CFR 1022.43 or 623 ( a ) ( 6 ) ( B ). Their vague responses and failure to properly reinvestigate and delete this fraudulent data constitute willful noncompliance.

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: NV

Complaint narrative:
Summary of Complaint This is a formal complaint against one or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : FCRA 604 No permissible purpose FCRA 607 ( b ), 611 ( a ) Inaccurate reporting and failure to investigate FDCPA 1692g No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each.

II. Enforcement Demanded I demand that the CFPB enforce the following : 1. Removal of all late payments, fraudulent accounts, and unauthorized inquiries.

2. Correction of all inaccurate personal data and account statuses.

3. Issuance of corrected reports to prior recipients ( FCRA 1681i ( d ) ).

4. Penalties against furnishers and CRAs for repeated violations.

5. Written confirmation of every reinvestigation and correction action.

III. Supporting Evidence ( To be Submitted if Available ) Copy of govern
ment-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showing inaccuracies

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: IL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX, XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Zion Debt Holdings is appearing on my XXXX credit report when XXXX XXXX XXXX, a lender, pulled my credit on XX/XX/year>. This is showing as a derog / collections account. 

The inquiry shows as XXXX XXXX XXXX. This information should not show as it is inaccurate and old. This is negatively impacting my credit. XXXX is not helping with getting this resolved. They say they can't see the collection account on their end.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
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: NJ

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 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against TransUnion for inaccurate reporting on an unsecured loan account ( Account # : XXXX XXXX XXXX XXXX XXXX ). The key issue is that the Date Last Active ( DLA ) is being reported incorrectly : Date Last Active is false TransUnion lists XX/XX/XXXX as the DLA. 

My payment records show my last payment was on XX/XX/XXXX. No further activity occurred after that. 

This false reporting extends the derogatory marks life and is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c ( a ) ( 5 ) ). It also violates Florida Statutes 501.005, which prohibit misreporting to consumers in Florida. 

I disputed this directly with TransUnion, but they failed to correct the inaccurate Date Last Active. This amounts to failure to conduct a reasonable investigation, violating FCRA 1681i and Florida law.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There were a couple of withdrawals from our business account in the following details. 
We haven't authorized and couldn't identify the identity of the merchants. 

XXXX. XXXX XX/XX/year> Amount {$1500.00} XXXX XXXX XXXX XXXX phone XXXX XXXX. XXXX XX/XX/year> Amount {$1400.00} 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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: OK

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 2025-05-05 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: CA

Complaint narrative:
I called in XX/XX/year> after a 3 and 1/2 hour hold being moved from a customer service rep to an advanced rep to find out how to handle my account for XXXX. XXXX was my last payment for XXXX. Mohela said to put my account into forbearance in XXXX as the Dept. of Ed processes my XXXX. The DOE said I did not have any loans that qualify for XXXX because I was in forbearance. I called back on XX/XX/year> and asked Mohela to take me out of forbearance so I can get my final count for XXXX, Mohela said they would and that I would have a {$3300.00} dollar payment for XXXX. In XXXX there was no balance due. I called back on XX/XX/year> to have them remove me from forbearance and again they said they would, they escalated the process and that my payment due will be {$2000.00}. Nothing has happend and they are delaying my XXXX. Again they had me on hold for 4 hours where I was sent to an agent and then an advanced agent. I emailed them twice with no response. I recorded a conversation with MOHELA where the agent also told me that I have 120 payments completed, but then back tracked that it still shows 119 on the national database.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have disputed multiple times XXXX accounts with all bureau to investigate, only Experian took off the collections in error. The vehicle was a total loss and I included a declaration page and investigation page from insurance which stated it was paid off. Both bank and insurance were paid and this has not been corrected.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have disputed multiple times XXXX accounts with all bureau to investigate, only Experian took off the collections in error. The vehicle was a total loss and I included a declaration page and investigation page from insurance which stated it was paid off. Both bank and insurance were paid and this has not been corrected.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: 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 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