vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: IN

Complaint narrative:
RE : Formal Demand for Deletion of Inaccurately Reported Charged-Off Account Account No. Ending in XXXX To Whom It May Concern, I am writing to notify you of serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) in relation to your reporting of the account ending in XXXX, originally opened on XX/XX/XXXX. This credit card account is currently listed as closed and charged off, yet your company continues to furnish misleading and inaccurate information to the consumer reporting agencies. 

The violations include : Monthly charge-off reporting after the account was closed. The account was charged off, yet you continue to report it as if it is actively delinquent. " CO '' has been reported for 20 consecutive months from XX/XX/XXXXXXXX  through XX/XX/XXXX, which is misleading and a direct violation of FCRA Section 1681s-2. 

Re-aging of the account. Reporting ongoing charge-offs after the original charge-off date gives the false appearance of a more recent delinquency and may artificially extend the reporting period. This is deceptive and violates credit reporting standards. 

False reporting of the account status. The account is closed, yet the credit history reflects continuing negative activity, which is inaccurate. 

Failure to finalize derogatory status. Charged-off accounts should reflect a fixed derogatory status and should not continue accumulating new derogatory marks after the charge-off date. 

These actions constitute 23 separate violations of federal law. As allowed under the FCRA and FDCPA, each violation is subject to statutory damages of up to {$1000.00}. Therefore, I am seeking a total of {$23000.00} in damages. 

You are hereby given 15 calendar days from the date of this letter to remove this account in its entirety from all consumer reporting agenciesExperian, Equifax, and TransUnionand provide written confirmation of the deletion. 

If you do not comply within this time frame, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also initiate legal action to seek statutory damages, attorneys fees, and any other relief permitted by law. 

This letter serves as your final opportunity to resolve this matter without legal escalation. 

Sincerely,

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 2025-04-24 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: IN

Complaint narrative:
RE : Formal Demand for Deletion of Inaccurately Reported Charged-Off Account Account No. Ending in XXXX To Whom It May Concern, I am writing to notify you of serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) in relation to your reporting of the account ending in XXXX, originally opened on XX/XX/XXXX. This credit card account is currently listed as closed and charged off, yet your company continues to furnish misleading and inaccurate information to the consumer reporting agencies. 

The violations include : Monthly charge-off reporting after the account was closed. The account was charged off, yet you continue to report it as if it is actively delinquent. " CO '' has been reported for 20 consecutive months from XX/XX/XXXXXXXX  through XX/XX/XXXX, which is misleading and a direct violation of FCRA Section 1681s-2. 

Re-aging of the account. Reporting ongoing charge-offs after the original charge-off date gives the false appearance of a more recent delinquency and may artificially extend the reporting period. This is deceptive and violates credit reporting standards. 

False reporting of the account status. The account is closed, yet the credit history reflects continuing negative activity, which is inaccurate. 

Failure to finalize derogatory status. Charged-off accounts should reflect a fixed derogatory status and should not continue accumulating new derogatory marks after the charge-off date. 

These actions constitute 23 separate violations of federal law. As allowed under the FCRA and FDCPA, each violation is subject to statutory damages of up to {$1000.00}. Therefore, I am seeking a total of {$23000.00} in damages. 

You are hereby given 15 calendar days from the date of this letter to remove this account in its entirety from all consumer reporting agenciesExperian, Equifax, and TransUnionand provide written confirmation of the deletion. 

If you do not comply within this time frame, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also initiate legal action to seek statutory damages, attorneys fees, and any other relief permitted by law. 

This letter serves as your final opportunity to resolve this matter without legal escalation. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I am writing to formally respond to the denial of my deferment request on XX/XX/year>. I was informed through phone conversation that my request was denied due to my account being in default. However, that very reasoning highlights the core of my financial hardship and is precisely why deferment is necessary at this time.

My financial standing has been severely impacted by the COVID-19 pandemic, which caused a significant disruption in my ability to earn a living. I lost multiple income streams due to pandemic-related shutdowns, and while I continue to work to rebuild, my current income does not yet allow me to meet these loan obligations without assistance. 

Additionally, I am a XXXX XXXX XXXX in the United States, and this designation is recognized under federal guidelines. I am actively engaged in XXXX XXXX as a means of self-reliance and economic sustainability. The USDA and other federal agencies recognize the disproportionate challenges faced by XXXX  in my category, and I believe that should be considered in your assessment of my case.

It is deeply confusing and disheartening to be denied deferment when the very reason for the request is financial hardship. I am not asking to be released from my obligation, only for time and flexibility to stabilize my finances and continue building a path forward.

I am asserting my rights under the CARES Act, ECOA, UDAAP regulations, and U.S. Code 2279 recognizing XXXX XXXX XXXX. I respectfully request a full reconsideration of my case
based on these protections, and I am open to discussing an income-driven repayment alternative that reflects my current situation in good faith.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 2025-04-24 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
I have two hard inquiries from XXXXXXXX XXXX XXXX that I did not authorize or have an account. These inquiries are from XX/XX/year>XXXX  & XX/XX/year>. I want them removed as they are fraudulent and have affected my credit rating. 

Why would I have two hard inquiries that I did not authorize.

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 2025-04-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-04-24 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: TX

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 2025-04-24 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: LA

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

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

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I never gave this company permission to access my credit. I didnt apply for any services, authorize any checks, or initiate any business with them. This inquiry was made without my knowledge or consent, and as such, I consider it unauthorized and potentially fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ashwood Financial Inc
State: SC

Complaint narrative:
the collection is from ashwood financial and it was for a cleaners fee from college housing services and I know before I left the apartment everything was clean I even took pictures and sent them to the XXXX of college housing services. But when they did the inspection I was gone already and the other roommates didn't make sure the house was clean. But I have photo proof of when I moved out the apartment was clean and the cleaners fee for what the roommates messed up is in my account which is not right. I talked to college housing services and they said there is nothing they can do since it's already with collections. And Ashwood financial said that they can't close the account without written proof from College housing services and which college housing services said there is nothing they can do. So I'm just getting the run around. The pictures of the apartment is attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: OH

Complaint narrative:
I am in the Public Service Loan Forgiveness Program and submitted for forgiveness as I have made my 120 qualifying payments working for an approved non profit. I submitted for forgiveness when eligible and was denied for incorrect reasons. I attempted to communicate directly with Mohela, but kept getting the runaround and Mohela kept changing the reasons why I did not qualify. After several months I reached out to my Congressman XXXX XXXXXXXX XXXX office for help. Mohela ignored XXXX XXXX 's office 's inquires and simply did not reply to them. I then reached out to Congressman XXXX XXXX office who did get a response, but the response provided by Mohela was different incorrect information as I had rebutted the first batch of their excuses with appropriate documentation. When I provided Senator XXXXXXXX XXXX office with documents showing that Mohela was incorrect ( which was forwarded on to their contact at Mohela ) the Moleha contact stopped replying to Senator XXXXXXXX XXXX office. I will attach all communication to this complaint. I have been trying to get this issue resolved since XXXX of XXXX - 9 months ago. To make matters worse Mohela will not respond to my messages AND they have reported me to the credit bureau taking my excellent credit score in the upper XXXX 's down to the low XXXX 's stating I have defaulted on my payments. I have requested they reverse this through Senator XXXX 's office until this matter has been resolved and they chose ignored my request. This has greatly harmed me financially when it comes to securing new loans. My credit history and score alone should show you that I pay my bills on time and always have, but I refuse to pay bills that I do not owe. I have no other resources who can help me with this matter. If Mohela is ignoring a congressman and a senators office my fear is they will just ignore the Consumer Financial Protection Bureau as well. You will find Mohela 's last message to Senator XXXX 's office XX/XX/XXXX and my immediate reply with supporting documents attached, and the my response with supporting documents that I never received a reply to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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 account in question is being reported with late payments, which is completely inaccurate. Ive reviewed my records, and Ive always paid this account on time and as agreed. There has never been a missed or late payment on my end. Under 15 U.S.C. 1666B, this constitutes a billing error, as the account is not being reported in accordance with the actual payment history. Reporting late payments that didnt occur not only misrepresents my creditworthiness but also violates federal law. Its important to me that my credit profile accurately reflects my financial behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: SC

Complaint narrative:
I constantly check my credit report and notice that the errors and false misleading information for individuals account didn't quite meet the credit report standards of being 100 % accurate. This has damage me and held me back from some time now. My life has been affected tremendously from this false information. I demand CFPB to enforce the correction and or deletion of these items.

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 2025-04-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( 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 explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 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 2025-04-24 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: CA

Complaint narrative:
The account in question is being reported with late payments, which is completely inaccurate. Ive reviewed my records, and Ive always paid this account on time and as agreed. There has never been a missed or late payment on my end. Under 15 U.S.C. 1666B, this constitutes a billing error, as the account is not being reported in accordance with the actual payment history. Reporting late payments that didnt occur not only misrepresents my creditworthiness but also violates federal law. Its important to me that my credit profile accurately reflects my financial behavior.

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 2025-04-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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