vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-14 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 need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-14 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: OH

Complaint narrative:
On XX/XX/scrub>XXXX XXXX I filed a dispute with Experian regarding a collection account reported by XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ). The account in question is inaccurate and has not been properly validated. Despite my formal dispute, Experian closed the dispute the same dayMay XXXX, XXXXwithout conducting a meaningful investigation or providing proper debt validation, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian 's official response stated : " The account with XXXX XXXX XXXXXXXX that starts with XXXX has not been changed and will remain on your credit report. '' This response fails to address the core issue : the account was never properly validated. To date, XXXX XXXX XXXX has not provided any documentation proving that this debt is valid, accurate, or that I am legally responsible for it. Additionally, the account is reporting derogatory information that is damaging my credit health and reputation. 

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information being reported, including this one. These false or unverified remarks have had a detrimental impact on my financial well-being, limiting my ability to access credit, housing, and other essential services. 

I am requesting the CFPB 's assistance in ensuring : A full and proper investigation is conducted into this matter ; That XXXXXXXX XXXX XXXXXXXX provides complete documentation validating the debt ( if valid ) ; That Experian is held accountable for failing to fulfill its obligation to investigate and respond appropriately under FCRA guidelines ; That the inaccurate or unverified account is removed from my credit report immediately. 

Thank you for your attention to this matter. 

Submitted by : XXXX XXXX Report Number : XXXX Account Number : XXXX Date Submitted : XX/XX/year> Credit Bureau XXXX Experian Collection Agency XXXX XXXX XXXX XXXX Address of XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2025-05-14 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am resubmitting a formal complaint to NATIONSTAR/MR COOPER XXXXegarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXXXXXX XXXX XXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data. If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing three unauthorized charges on my Citi credit card ( ending in XXXX ) : {$310.00} at Macys on XX/XX/XXXX {$54.00} at XXXX on XX/XX/XXXX {$160.00} at XXXX XXXX XXXX on XX/XX/XXXX I have not used this card since around XXXX. We have a separate credit account for Macys and have never used our Citi card there. I have also never been to or made any purchases from XXXX XXXX XXXX. Despite promptly responding to a Citi fraud alert stating I did not authorize the transaction, the charges were processed and the card was not blocked. 

I provided everything that Citi requested, but Citi informed me that the documentation was insufficient and told me to contact the merchants myself. I find this response deeply disappointing, especially as a customer with over 20 years of history with Citi, holding not only a credit account but also checking, savings, and CD accounts. 

Under the Fair Credit Billing Act, I should not be held liable for these charges, and I am requesting CFPB 's assistance in getting a full refund.

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 monetary relief
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
I am submitting a formal request for the investigation and deletion of multiple unauthorized hard inquiries currently appearing on my Equifax credit report. These inquiries were made without my knowledge, consent, or initiation, and after contacting the listed creditors, they confirmed they do not have any signed applications, verbal agreements, or other documentation indicating that I authorized these inquiries. 
Below are the specific inquiries I am disputing : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries were most likely verified automatically through the EOSCAR system ( Electronic Online Solution for Complete and Accurate Reporting ). However, the Consumer Financial Protection Bureau ( CFPB ) has publicly acknowledged that EOSCAR is insufficient when accuracy depends on original documentation rather than automated data matching. Because of this, I am demanding a manual reinvestigation of each inquiry, along with full verification of any documentation used to validate them. 
I am also requesting copies of any original application forms or documents that Equifax or the data furnishers might have on file. If such documentation can not be produced, the inquiries are legally unverifiable and must be removed from my report. 
FCRA Violations Involved : 1.15 U.S.C. 1681b ( Section 604 ) These inquiries do not meet permissible purpose requirements under the law.

2.15 U.S.C. 1681i ( a ) ( 5 ) ( Section 611 ) Unverifiable information must be promptly deleted.

3.15 U.S.C. 1681g ( Section 609 ) I have the right to verify every inquiry ; without signed proof of authorization, these entries are invalid.

4.15 U.S.C. 1681s-2 ( Section 623 ) Information furnishers are responsible for ensuring accuracy and lawful basis, which is lacking here. 
5.15 U.S.C. 1681c-1 ( Section 605A ) Inquiries potentially linked to unauthorized use of my identity must be removed under this section. 
Supporting Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Accessing a credit report without consumer consent or permissible purpose is a violation of the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX  ) : Reinforces the requirement that inquiries must meet strict permissible purpose standards. 
I have made a good-faith effort to resolve this matter directly with Equifax, but the situation remains unresolved. I am requesting the CFPB to intervene and require Equifax to perform a thorough reinvestigation and delete these unauthorized inquiries in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Please remove all information that is not mines. I was in several breaches that caused wrong information to be put on my report and per the FCRA this information is violating my consumer rights to have the right information on report. Please REMOVE all wrongfully added information off my 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 2025-05-14 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: WI

Complaint narrative:
Please remove all information that is not mines. I was in several breaches that caused wrong information to be put on my report and per the FCRA this information is violating my consumer rights to have the right information on report. Please REMOVE all wrongfully added information off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-14 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX * * * * Balance : {$4300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NC

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 2025-05-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I bought a vehicle from BMW of XXXX back on XX/XX/XXXX, They used all my personal information incorrect which is fraud. I reach out to the dealership along with BMW of XXXX which I get nowhere with them just a lot of running around. Vehicle was turn in on XX/XX/XXXX drop it off with the XXXX XXXX XXXX. I also reported these issues the Better Business Bureau. This vehicle was pick up since XX/XX/XXXX it still appearing on the credit bureau that I own the full amount. Along with a pass amount I already write the BMW XXXX via postal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Consumer Name : XXXX XXXX Social Security Number : [ XXXX ] Date of Birth : [ XXXX  ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ XXXX XXXX XXXXXXXX XXXX XXXX I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-14 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 have a student loan with MOHELA. Several months back, I paid off a small student loan, but MOHELA never closed out the loan sequence. Now, each time I make an online payment on my remining loan, {$19.00} goes towards the loan that has already been paid off. I now have a negative balance on that paid off loan of - {$240.00}. 

I called MOHELA over 3 months ago and asked that they close out the loan sequence as the loan is already paid off, and they said that they would. However, as of the date of this complaint, the loan sequence is still open and I continue to accrue a negative balance on the loan that's already paid off. 

I just want them to close out the loan that I have already paid off and return the money they have taken for the loan, the entirety of the negative balance on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
This morning, I discovered incorrect accounts listed on my credit report, and Im unsure how they got there. I regularly review my credit report, but this time unexpected discrepancies appeared. I even refreshed my browser thinking it might be a technical issue, but the errors remained. Due to this situation, Im requesting a careful review of the documents I submitted to ensure this problem is resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accscient, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX account that I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete the XXXX XXXX XXXX  account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-14 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: MO

Complaint narrative:
paid my XXXX XXXX account in full in XX/XX/year>. Despite multiple calls and proof of payment, XXXX failed to properly update or report this to the third-party collector ( Credit Control LLC XXXX XXXX As a result, the collector reported a false unpaid debt to my credit report. Spectrum refuses to provide written verification of my paid status and has contributed to credit damage and ongoing stress. Ive made numerous calls, been transferred repeatedly, and still have no resolution. This is a violation of FCRA ( XXXX XXXX. XXXX ) and has caused measurable harm.

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 2025-05-14 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: AZ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 explanation