vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy

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 2025-04-18 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-19 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX BALANCED {$9000.00} XXXX XXXX XXXXXXXX BALANCED {$800.00} XXXX XXXX XXXX BALANCED {$540.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$3100.00} XXXX  XXXX BALANCED {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Discover XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Re : Account ending in XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX I note that your letter of XXXX, claims my application was received on XXXX, a manifest error that undermines your purported reinvestigation. Under FCRA XXXX, I am entitled to a detailed description of the procedures you used to verify the account, and under the ESign Act I write to formally notify you that the abovereferenced Discover account is not mine and was opened and used fraudulently by an imposter. I have never authorized, applied for, activated, or used this account. This is a clear case of identity theft, and I demand you take the following actions immediately under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) : Under FCRA 605B, once Ive submitted a valid Identity Theft Report and police report, you must permanently blockfrom your own records and from any information you furnish to any credit reporting agencyany information pertaining to this fraudulent account. You may not furnish, refurnish, or continue to report this account to XXXX XXXX XXXX XXXX XXXX  Because this is not a valid obligation of mine, any further attempts to collect or communicate about this account violate the FDCPA. Under 15U.S.C. 1692c ( c ), you must stop all collection activity and communications with me regarding this debt. Please send me, at the address above, a written statement within 10 business days confirming that You have blocked and permanently removed all references to this account from your files and from all credit reporting agencies. You have ceased any and all collection activity and will not report this account to any debt collector or credit bureau. Failure to comply with these requirements under FCRA, FACTA, and FDCPA may result in legal action to enforce my rights, including statutory damages, attorneys fees, and costs. I appreciate your prompt attention to resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: WY

Complaint narrative:
I have called Mohela 5 times over the past two months to try to get access to repay my loans. I have left my phone number, and no one calls back, even though " my place in line won't change ''. I finally get access, reset password and then the system could not find my loan the next day. I set up a payment and had the payment reversed. I set up auto pay and then auto pay was canceled. It is now showing up on my credit. All i want to do is pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 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 2025-04-18 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: WV

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Dear Family Policy Compliance Office, I am submitting a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My personally Identifiable student loan records were improperly disclosed without my prior written consent. Below are the detalls : Disclosed Information : Student loan balance, Social Security number, banking details, and other personally identifiable information.

Part of My Student Records? ; Yes, maintained by ( Loan Servicer ) and the U.S.Department of Education.

Responsible Official : The U.S. Department of Education allowed unauthorized access by XXXX XXXX 's Department of Government Efficiency ( DOGE ). 
Recipient : DOGE personnel, who are not authorized student loan servicers or approved third-party vendors. 
Circumstances : DOGE accessed federal student loan data without consent under the guise of a " government efficiency review. '' When I Became Aware : | learned of the breach on XXXX XXXX, through news reports and legal actions, including UCSA v. U.S. Department of Education.

Attempts to Address : No direct communication from my loan servicer or the Department of Education regarding the breach. 
Request : I request a formal investigation and ask that my student loans be forgiven in full due to this privacy violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: WV

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Dear Family Policy Compliance Office, I am submitting a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My personally Identifiable student loan records were improperly disclosed without my prior written consent. Below are the detalls : Disclosed Information : Student loan balance, Social Security number, banking details, and other personally identifiable information. 
Part of My Student Records? ; Yes, maintained by ( Loan Servicer ) and the U.S.Department of Education.

Responsible Official : The U.S. Department of Education allowed unauthorized access by XXXX XXXX 's Department of Government Efficiency ( DOGE ).

Recipient : DOGE personnel, who are not authorized student loan servicers or approved third-party vendors.

Circumstances : DOGE accessed federal student loan data without consent under the guise of a " government efficiency review. '' When I Became Aware : | learned of the breach on XXXX XXXX, through news reports and legal actions, including UCSA v. U.S. Department of Education.

Attempts to Address : No direct communication from my loan servicer or the Department of Education regarding the breach.

Request : I request a formal investigation and ask that my student loans be forgiven in full due to this privacy violation.

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 2025-04-18 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: WV

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Dear Family Policy Compliance Office, I am submitting a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My personally Identifiable student loan records were improperly disclosed without my prior written consent. Below are the detalls : Disclosed Information : Student loan balance, Social Security number, banking details, and other personally identifiable information. 
Part of My Student Records? ; Yes, maintained by ( Loan Servicer ) and the U.S.Department of Education.

Responsible Official : The U.S. Department of Education allowed unauthorized access by XXXX XXXX 's Department of Government Efficiency ( DOGE ). 
Recipient : DOGE personnel, who are not authorized student loan servicers or approved third-party vendors.

Circumstances : DOGE accessed federal student loan data without consent under the guise of a " government efficiency review. '' When I Became Aware : | learned of the breach on XXXX XXXX, through news reports and legal actions, including UCSA v. U.S. Department of Education.

Attempts to Address : No direct communication from my loan servicer or the Department of Education regarding the breach.

Request : I request a formal investigation and ask that my student loans be forgiven in full due to this privacy violation.

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 2025-04-18 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: WI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We had bank fraud committed against us in the amount of {$65000.00}. We have made claims that were denied. We have evidence proving that unknown actors accessed our account and made the fraudulent transaction. We also have a recorded phone call with Bank of America representative stating that the transaction was fraudulent and an employee named XXXX approved the transaction without our knowledge or authorizations. Bank of America denies our claims and offers no assistance in helping us recover our stolen money. We are frequently met with comments that accuse us of committing this crime, condescending comments that we didnt protect our accounts, denial to an account credit, or providing any updates or access to information. They have shut us out and refuse to help their XXXX XXXX customer.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THIS COMPLAINT IS FOR THE ( CREDIT BUREAU IS VIOLANTING MY RIGHT ) FOR XXXX, XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file '' and based in the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify- through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

They also violated my rights numerous times. 

DELETE Bankruptcy Account Number : XXXX ; XXXX. FOR VIOLATION TO THE FCRA 15 U.S.C. 1681a ( 4 ) - Privacy Rights : The verification process employed does not appear to adhere to the privacy protection requirements outlined under this section. My right to privacy under the FCRA has not been upheld. 

15 U.S.C. 1681b ( 2 ) - Permissible Purposes : The information used to verify the bankruptcy must be for permissible purposes and comply with established procedures. The process by which this record was verified appears to have failed to meet these standards. 

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Consumer Rights : According to this section, I am entitled to request the removal of inaccurate or outdated information from my credit report. Your verification response has not sufficiently addressed inaccuracies or provided valid justification for retaining this record. 

15 U.S.C. 609 ( a ) ( 2 ) - Proof of Verification : I am entitled to request proof of the verification of the bankruptcy record. The verification provided was insufficient and does not meet the requirements for proving the accuracy and legitimacy of the record. 
Violation of the Truth in Lending Act ( TILA ) : * UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Title 15, Chapter 41 - Federal Consumer Protections : The failure to provide adequate proof and the apparent disregard for my rights under the FCRA indicate a violation of federal consumer protection laws.

Company response to consumer: Closed with explanation