vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I complained to Experian. They came back to me and said after contacting the card company that the card company certifies it is correct and accurate. They are obviously wrong. The report says I have a {$3500.00} line of credit. I have a balance of some amount and that I am making monthly payments. THAT IS WRONG!! I am not making payments and I have no idea who is.

XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detailsXXXX Account Info Account Name XXXX Account XXXX XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXXXXXX  Status Open/Never late. 
Status Updated XX/XX/XXXXXXXX  Balance {$2100.00} Balance Updated XX/XX/XXXXXXXX  Recent Payment - Monthly Payment {$29.00} Credit Limit {$3500.00} Highest Balance {$2800.00} Terms -

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 2025-03-24 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: FL

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA.

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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: MOHELA
State: IL

Complaint narrative:
It came to my attention around XX/XX/year> that I was a victim of identity theft. My personal information was used to obtain fraudulent student loans. I have requested and my attorney has requested that my name be removed from these fraudulent loans. Mohela has refused to turn documentation over to my attorney, despite several attempts to do so both verbally from me and in writing from my attorney. I made it clear to Mohela that I do not want to talk to them, based upon the numerous predatory lending lawsuits against them. Mohela granted fraudulent loans and assigned me as cosigner although I never agreed to these loans verbally, via signature, or any other predatory lending practices they may have engaged in. I did not cosign any loans for these loans, yet Mohela has reported me to credit agencies for being deliquent on loans that do not belong to me. I have filed an identity theft report through the FTC. I have also started disputing these claims with credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: PA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized reporting to my credit report. These remarks have been detrimental to my life and credit.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In XXXX I noticed unauthorized use of my checking account. A thief had got into my account and applied for 2 credit cards. Navy Federal then blocked my account. In XXXX I contacted Navy federal about unlocking my account the Woman I spoke with on the phone walked me through resetting login and password reset. After I regain access to my account, I told the woman that there was an ACH withdrawal of {$460.00} from my checking account while I had no access to my account. The started an investigation on it and I was told by Navy Federal Credit Union " It's my fault, the thief that took my money used my name, my SSN and all my information to steal my money and I am told IT'S MY NAME MY FAULT '' I disputed that and filed an appeal on that. Only to be told the same thing. Whoever made the withdrawal used my name so " IT'S MY FAULT. '' I have closed those accounts and still try to regain my money, but I see it does no good because the thieves use my name my SSN so according to the bank it's my fault. I have sent in Identity theft letters, police reports, but still, I just get the blame. With all the trouble Identity theft causes to have this company say its my fault because its my information is flat out insulting and very hurtful to 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 2025-03-23 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:
Dear CFPB, I am filing this formal complaint against the following creditors and credit reporting agencies for reporting and allowing the dissemination of inaccurate and unverifiable late payment information on my credit reports : Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies : TransUnion Experian Equifax The accounts reported by these creditors contain late payment notations that are inaccurate and unsubstantiated. I am requesting a full investigation and that the reporting be corrected to reflect PAANL ( Paid As Agreed, Never Late ) based on the following : 1. Timely Payments Made I submitted all payments on time, most of which were mailed. Under 15 U.S.C. 1666b, creditors must credit payments received by XXXX XXXX on the due date and must provide billing statements at least 21 days in advance of the due date. These obligations were not met.

2. No Statements or Late Notices Were Provided I never received any billing statements or written notification informing me that my payments were considered late. This lack of notice violates both common billing practices and my rights as a consumer, leaving me no opportunity to address or contest the alleged delinquencies.

3. FCRA Violations Inaccurate & Improper Reporting The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to credit reporting agencies be accurate, complete, and verifiable : 15 U.S.C. 1681 Section 602 states that the purpose of the FCRA is to ensure fair and accurate credit reporting, along with protection of consumer privacy.

15 U.S.C. 1681 Section 604 ( a ) outlines the permissible purposes for accessing and using consumer credit information.

TransUnion, Experian, and Equifax have failed to uphold these standards by accepting and reporting inaccurate late payment data from the above-named creditors without proper verification or validation.

Requested Resolution I am not requesting deletion of these accounts. Instead, I am requesting that each of the accounts in question be updated to reflect PAANL Paid As Agreed, Never Late. If these creditors and credit bureaus can not provide full, verified evidence of a legitimate late payment and proper notice, they are required under federal law to correct the inaccurate information.

I respectfully ask the CFPB to investigate this matter and take appropriate steps to ensure compliance with the FCRA and other relevant statutes. Please confirm receipt of this complaint and inform me of the results of your investigation.

Thank you for your time and support in this matter.

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 2025-03-23 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: SC

Complaint narrative:
Dear CFPB, I am filing this formal complaint against the following creditors and credit reporting agencies for reporting and allowing the dissemination of inaccurate and unverifiable late payment information on my credit reports : Creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Agencies : TransUnion Experian Equifax The accounts reported by these creditors contain late payment notations that are inaccurate and unsubstantiated. I am requesting a full investigation and that the reporting be corrected to reflect PAANL ( Paid As Agreed, Never Late ) based on the following : 1. Timely Payments Made I submitted all payments on time, most of which were mailed. Under 15 U.S.C. 1666b, creditors must credit payments received by XXXX XXXX on the due date and must provide billing statements at least 21 days in advance of the due date. These obligations were not met.

2. No Statements or Late Notices Were Provided I never received any billing statements or written notification informing me that my payments were considered late. This lack of notice violates both common billing practices and my rights as a consumer, leaving me no opportunity to address or contest the alleged delinquencies.

3. FCRA Violations Inaccurate & Improper Reporting The Fair Credit Reporting Act ( FCRA ) requires that all information furnished to credit reporting agencies be accurate, complete, and verifiable : 15 U.S.C. 1681 Section 602 states that the purpose of the FCRA is to ensure fair and accurate credit reporting, along with protection of consumer privacy.

15 U.S.C. 1681 Section 604 ( a ) outlines the permissible purposes for accessing and using consumer credit information.

TransUnion, Experian, and Equifax have failed to uphold these standards by accepting and reporting inaccurate late payment data from the above-named creditors without proper verification or validation.

Requested Resolution I am not requesting deletion of these accounts. Instead, I am requesting that each of the accounts in question be updated to reflect PAANL Paid As Agreed, Never Late. If these creditors and credit bureaus can not provide full, verified evidence of a legitimate late payment and proper notice, they are required under federal law to correct the inaccurate information.

I respectfully ask the CFPB to investigate this matter and take appropriate steps to ensure compliance with the FCRA and other relevant statutes. Please confirm receipt of this complaint and inform me of the results of your investigation.

Thank you for your time and support in this matter.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am submitting this complaint against OneMain Financial and the credit bureaus ( XXXX, XXXX, and XXXX ). OneMain Financial is reporting on my credit file without following federal law. 

Under 15 U.S. Code 6802 of the Gramm-Leach-Bliley Act ( GLBA ), a financial institution must provide three specific disclosures before sharing my nonpublic personal information with non-affiliated third parties such as credit bureaus. These include a clear notice, an opt-out option, and instructions on how to opt-out.

I never received any of these disclosures from OneMain Financial. Therefore, they do not have legal grounds to furnish my personal information to the credit bureaus. 

I have already sent a cease and desist / opt-out letter to the furnisher, and Ive submitted disputes to all three bureaus. I am requesting that this account be removed immediately from my credit report.

Please enforce compliance and ensure deletion of this unauthorized tradeline. 

Company : OneMain Financial Product : Credit reporting Account Type : Installment loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

The following accounts have violated my rights : 15 U.S.C. 1001 states that I have the right to privacy.

15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) states that a consumer reporting agency can not furnish an account without my written instructions or authorization.

15 U.S.C. 1681c ( a ) ( 5 ) states that no consumer reporting agency may include in any consumer report any adverse item of information, other than records of criminal convictions, that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) states that 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.

Therefore, I am formally requesting that the accounts listed below be deleted from my credit report immediately. 
XXXX XXXX. XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Earlier today, I was shopping at XXXX 's in XXXX. I was asked if I wanted to sign up for a card, and agreed to do so. The representative never informed me that it was a credit card I was signing up for and I thought it was for a membership card for XXXX XXXX. It wasn't until I finished the application that I was told that I applied for a credit card. To my surprise, it was already approved and I did not have a chance to cancel the application. I provided information that was not up to date, including an old email address that I use for spam as well as an old address because I was not expecting a credit card to arrive. I want to have my hard inquiry removed or to be reimbursed for the damages to my credit score. I was planning on getting a new credit card from a bank later in the year from a reputable bank after my credit has gotten better after the XXXXXXXX XXXX XXXX that I got. Now my plans need to be delayed as I wait for the inquiry come off the 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 2025-03-23 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX and Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Transunion. Please delete the following accounts 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 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 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Re : Request for 1099-C Form for Canceled Debt Dear XXXX, I am writing to request a 1099-C form for the canceled debt related to the Auto Loan. As you are aware, this debt was settled/canceled on or before XXXX XXXX. 

Pursuant to Internal Revenue Service ( IRS ) regulations, I am entitled to receive a 1099-C form reporting the amount of canceled debt. This form is necessary for me to accurately report my income and claim any applicable tax credits.

Please provide the 1099-C form to me within 15 days because this is necessary for me to file on my XXXX income tax return You can mail the form to the address above or email it to XXXX. 

If you have already issued the 1099-C form, please confirm the date it was mailed and provide a copy if possible. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am writing to formally dispute unauthorized and unrecognized entries reported on my credit reports by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have never entered into any agreement with these debt collectors, nor have I authorized the opening or transferring of these accounts. These entries have appeared under account numbers XXXX, XXXX, and capit********* on my credit reports from TransUnion, XXXX XXXX and XXXX. 

The presence of these inaccurate reports is adversely affecting my credit score and my financial standing. This discrepancy hampers my ability to secure credit and engage in other financial activities. 

Attached to this complaint, you will find a screenshot of the disputed entries on my credit report. I trust that the CFPB will address this matter with the urgency it requires and ensure the integrity and accuracy of my credit information. 

Thank you for your immediate attention to this matter.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/year>XXXX  payment of {$740.00} was made entirely to principle without my consent. This has caused me to appear late on payments and additional late fees were imposed. I was advised to reach out to XXXX. to resolved who has advised once I make {$740.00} payment in order to be current if payment is made my credit would be restored to good standing.

Company response to consumer: Closed with explanation