vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am filing this complaint to dispute inaccurate and unauthorized reporting related to the student loan account DPT EDXXXX, Account # XXXX. 
Fair Credit Reporting Act ( FCRA ) Violations Inaccurate Payment Status : The account is reported as Current with {$0.00} due and also stated to be in deferment ( payment not required ). According to the FCRA, furnishers must report accurate and complete information. Reporting a Current status when no payment is due ( due to deferment ) is misleading and inflates the appearance of open credit usage without reflecting actual repayment activity. 
Payment History Reporting During Deferment : There are OK/K/Current marks under the payment history while the loan was in deferment. This is misleading because no payment was due or made during those months. The FCRA prohibits the inclusion of information that misrepresents payment activity. 
Duplicate or Conflicting Account Information : Multiple account numbers are being reported for the same loan across the three credit bureaus, which may cause confusion and a potential negative impact on my score. This conflicts with 607 ( b ) of the FCRA, requiring credit bureaus to maintain maximum possible accuracy. 

It has come to light that XXXX XXXX and DOGE were granted access to federal education records and borrower files. This represents a massive breach of privacy under FERPA, which restricts the access and disclosure of educational and financial aid records without explicit written consent from the borrower. MY RIGHTS under FERPA have been VIOLATED! 
Links Below XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-22 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: PA

Complaint narrative:
XXXX XXXX XXXX has been reporting late payments for the past five months to the credit bureaus. The reason that theyre reporting late payments is when the payment that is owed for their terms is made in full theyre deciding to take money out of that and send it to an insurance policy that I never opted for. Told them that I didnt need and they refuse to remove. So when the payment is made what they are doing is paying the insurance and then saying that no payment was made for the month for the car payment. I have insurance on my own. Ive sent them the information many times and Ive asked them not to continue paying the insurance companies with it. This has become a serious problem now since theyre taking it as late payments or payments not made at all because of how theyre removing the funds and putting it somewhere else.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint against DEPTEDXXXX as reported by TransUnion and Equifax for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related federal protections.

Account Information : Creditor : DEPTEDXXXX Account Type : Installment ( Educational ) Account Status : Closed / Paid Date Opened : XX/XX/XXXX ( TU ) / XX/XX/XXXX ( EQ ) Last Reported : XX/XX/XXXX ( TU ) / XX/XX/XXXX ( EQ ) Balance : {$0.00} High Credit : {$3000.00} Comments : Dispute resolved; reported by grantor ( TU ) Violations Identified : Obsolete Reporting FCRA 605 ( a ) : This account was last active in XX/XX/XXXX. The FCRA limits the reporting of closed/paid accounts with no negative history to 10 years from the date of closure. As of XX/XX/XXXX, this account is beyond the 10-year reporting window and should no longer appear on my credit report. 
Incomplete and Inconsistent Reporting : Equifax lists the account as Paid, while TransUnion lists it as Closed. These statuses must be consistent across all bureaus per FCRA 607 ( b ).

There are no negative payment remarks or delinquencies, yet the account continues to appear in my file without any purpose, creating an unnecessary data footprint.

Failure to Delete After Dispute ( FCRA 611 ) : The account shows a comment : Dispute resolved ; reported by grantor. This is misleading and prejudicial, as it implies a disputed derogatory item even though the account shows {$0.00} balance and no delinquencies. If the account has been resolved, it should be fully corrected or removed, not left with a prejudicial notation.

Violation of My Right to Accurate and Fair Credit Reporting : Reporting outdated, misleading, or unclear information violates the FCRA and negatively impacts my creditworthiness. I have the right to a fair and fully accurate credit profile.

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE ( Department of Government Education ) were given unprecedented access to vast amounts of educational data including DEPTEDNELNET records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report.

I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

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 non-monetary relief
Consumer complaint received 2025-03-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ohio XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute Against Equifax for Civil Liability Negligence and Noncompliance Dear CFPB, I am writing to formally submit a dispute against Equifax Information Services LLC regarding civil liability negligence and noncompliance under 16 U.S.C. 810. 

On XX/XX/year>, I discovered Errors on my Consumer report collection companies that keep coming back validated that never responded to Debt validation. This issue has not only caused me financial distress but has also adversely affected my creditworthiness and ability to secure necessary financing. 

Under 16 U.S.C. 810, credit bureaus like Equifax are obligated to maintain accurate and fair credit reporting practices. However, Equifax has failed to comply with these requirements by Equifax failing to action or inaction constitute negligence or noncompliance, providing false and inaccurate statements, and not removing statements, I have been refused and deny of credit. 

I have attempted to resolve this issue directly with Equifax by [ briefly mention any actions you took, such as submitting a dispute, calling customer service, etc. ], but have not received a satisfactory resolution. 

I request that the CFPB investigate this matter and take appropriate action against Equifax to ensure compliance with federal regulations. Additionally, I seek assistance in correcting the inaccuracies on my credit report. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Are reporting false late payments when account was in deferment status at those moments. I have attached a letter from the XXXX XXXX verifying the deferment status and Experian is still reporting the inaccurate information. This account needs to reflect never late.

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 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: PA

Complaint narrative:
I wanted use Remitly to transfer XXXX dollars from my XXXX XXXX XXXX to my bank account in XXXX, initially XXXX XX/XX/XXXX. I placed the transfer early in the morning XXXX XXXX, using Remitly, but the transaction did not go through for hours which was odd as it usually only takes minutes, then in the evening I received a message from Remitly saying that the transaction was failed. I called their service XXXX XXXX, at which time I was told there was an issue with the receiving bank, but they would not tell me the exact issue. I was told that if I repeated the transaction, it would go through in 24 hours. On XX/XX/XXXX I get yet another message saying my transaction was again failed. I called their call center again XXXX XXXX to be told that the receiving bank was declining the transfer, and I was prompted to change the receiver. I comply and give them my other account in XXXX XXXX, and we repeat the transaction. This time get a message that the transfer was successful, and the amount was deposited in the receiving account. Since I am both the sender and the receiver, I have access to both accounts, and I unfortunately found out that it was not the case. The funds were not in my receiving account. I called them again XXXX XXXX only to be told they will be " investigating '', but at this point my trust in them is zero. I was told they will be sending me proof from the receiving bank that the funds were deposited, which essentially means they are accusing me of not telling the truth. I will be attaching all the email notifications and the receiving bank account actions history so you can determine that I am telling the truth. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
This account is being reported inaccurately and must be removed. According to 15 U.S. Code 1692c, my rights have been violated due to unlawful and unauthorized communications by the reporting party. I have not given consent to be contacted in the manner in which communication was conducted, and such contact constitutes a violation of federal law. Furthermore, I request validation of this debt, as required by the FDCPA, and until such validation is properly provided, this account must not be reported. I am formally requesting that this account be deleted from my credit report immediately due to noncompliance with federal statutes and failure to follow proper dispute and validation procedures. Please conduct a thorough investigation and remove this account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: SC

Complaint narrative:
On XX/XX/year>, XXXXXXXX XXXX XXXX preformed a hard inquiry on my credit. I did not authorize this. On XX/XX/year>, I got a letter in the mail from XXXX XXXX stated I applied for a credit card and that in order for the application to be processed I needed to submit a verified ID. I did not apply for a credit card. On XX/XX/year>, XXXXXXXX XXXX performed a hard inquiry on my credit. I did not authorize this. I made contact with XXXX XXXX on XX/XX/year> and they have no record of me in their system or as an applicant.

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 2025-03-22 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:
PERSONAL INFORMATION LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Equifax RE : Update Personal Information Dear Equifax, I recently reviewed my credit file and found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times.

Please delete the following inaccurate information from my credit file within the next 30 days. I understand that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I expect these inaccuracies to be automatically removed. 

Please delete the following inaccurate names : XXXX XXXX Please delete the following invalid telephone numbers : XXXX Please delete the following inaccurate employers XXXX XXXX XXXX  Please delete the following inaccurate email addresses : XXXX Correct Information to be updated : Name : ** XXXX XXXX XXXX Address : ** XXXX XXXX XXXX XXXX, XXXX, CA XXXX Phone Number : ** XXXX Date of Birth : ** XXXX Employer : ** XXXXXXXX XXXX Email Address : ** XXXX Contact Information : Phone Number : ** XXXX Email Address : ** XXXX Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have already called more than a week ago and reported that my bag was lost that had all of my credit cards. My wallet, my ID my phone but for some reason, my name and XXXX credit card you close the account which OK that makes sense if someone else has stolen, the card is trying to use it. But why have you not starting an investigation of the fraud? Why arent you looking for this criminal somebody is using my credit card somewhere. I should have a XXXX balance. I have never used this credit card ever in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
Account info Account name DIVERSIFIED ADJUSTMENT XXXX XXXX XXXX XXXX XXXX Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. XXXX XXXX past due as of XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is fraudulent I never sign any contract wit this lender they never reach with me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: SC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despise my submissions, Equifax constantly responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been disputing and trying to erase fraudulent accounts from credit report. I am a victim of identity theft. I've requested to have certain addresses and phone number removed. I have never lived on XXXX XXXX XXXX XXXX XXXX, never lived on XXXX XXXX XXXX XXXX Never had credit cards in my name. My identity has clearly been compromised.

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 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have been disputing and trying to erase fraudulent accounts from credit report. I am a victim of identity theft. I've requested to have certain addresses and phone number removed. I have never lived on XXXX XXXX XXXX XXXX XXXX, never lived on XXXX XXXX XXXX XXXX Never had credit cards in my name. My identity has clearly been compromised.

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 2025-03-22 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-03-22 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: OH

Complaint narrative:
This account was placed by XXXX, and was fraudulent. My student loans have been forgiven by the federal government. I challenged XXXX and requested investigation by the credit bureaus. The account, there were two, was removed from all of my credit reports beside Equifax. Recently I noticed this account changed to XXXX  XXXX XXXX. I have not contracted with XXXX  XXXX XXXX, nor do I owe any money for student loans, again, they have been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I HAVE AS OF LATELY HAVEN'T BEEN ABLE TO OPEN UP A NEW BANK ACCOUNT FOR THE PAST YEAR. 
I HAD A BANKING RELATIONSHIP WITH XXXX XXXX XXXX UP UNTIL XXXX. 
I LOOKED UP AND INQUIRED WITH CHEXSYSTEMS AND THEY TOLD ME THAT SOMEONE TRIED TO DEPOSIT A CHECK INTO MY ACCOUNT WITH MY NAME ON IT. BUT IT WAS DOCTORED. 
I DIDNT DO THAT. 
SO NOW CHEXSYSTEMS IS STATING AND BLACKBALLING ME WITH EVERY BANK IN THE COUNTRY!

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