vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Accounts To Whom It May Concern, I am writing to formally dispute the reporting of the following collection accounts on my Equifax credit report : XXXX XXXX - {$990.00} XXXX XXXX XXXX XXXX XXXX - {$4400.00} These accounts are inaccurately reported and must be investigated for compliance with the Fair Credit Reporting Act ( FCRA ) and other federal consumer protection laws. Under 31 U.S.C. 5118, all obligations must be based on lawful transactions, and I demand that Equifax verify the legitimacy and accuracy of these accounts. Furthermore, under 15 U.S.C. 6802, my financial information is protected, and any sharing of my personal data must have my express consent. I request verification of whether these accounts were reported in compliance with this law. Additionally, 15 U.S.C. 1692c ( c ) under the Fair Debt Collection Practices Act ( FDCPA ) prohibits further communication regarding debts that have been disputed and for which validation has not been provided. Therefore, I demand that Equifax cease reporting these accounts unless full and complete validation, including original signed contracts and proof of debt ownership, is provided. Further, under 15 U.S.C. 1681i, credit reporting agencies must conduct a reasonable investigation within 30 days of a dispute. If these accounts can not be properly verified, they must be deleted from my credit report immediately. Any failure to comply will be considered a direct violation of federal law, and I will take further action as necessary to protect my consumer rights. To resolve this matter fairly, I request that Equifax take the following actions : Conduct a thorough investigation of these accounts and provide me with the results. Remove any unverified, inaccurate, or non-compliant accounts from my credit report. Provide written confirmation once these accounts have been removed or verified. I have enclosed a copy of my government-issued ID and proof of address for verification purposes. Please respond in writing within the legally mandated timeframe. If I do not receive a satisfactory resolution, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. Below is a list of addresses that I would like to have permanently deleted : 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 non-monetary relief
Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
Subject : Dispute of Reinserted Fraudulent Collection Account on Equifax Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the reappearance of a fraudulent collection account on my Equifax credit report. The account in question is from XXXX XXXX XXXX XXXX XXXX, reflecting a balance of {$17000.00}. This account had been previously removed but has been unjustly reinserted without proper notification or validation. Background : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} Issue : Reinserted on Equifax credit report without proper notification Legal Grounds for Dispute : Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Credit reporting agencies are required to notify consumers within five business days if previously deleted information is reinserted into their credit file. I did not receive any such notification regarding this account 's reinsertion. Violation of 12 CFR 1022.4 : This regulation mandates that furnishers must have reasonable policies and procedures to ensure the accuracy and integrity of information provided to consumer reporting agencies. The reappearance of this fraudulent account indicates a failure in maintaining such standards. Violation of 15 U.S.C. 1692c ( c ) : Under the Fair Debt Collection Practices Act ( FDCPA ), if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the collector to cease communication, the collector must stop communication, except to inform the consumer of specific actions. The re-reporting of this account may constitute continued collection activity without proper validation. Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the unauthorized reinsertion of this fraudulent collection account by Equifax. Ensure that Equifax provides the necessary documentation validating the debt or permanently removes the account from my credit report. Confirm that all actions taken are in compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Enclosures : XXXX of my Equifax credit report highlighting the reinserted account. Correspondence indicating the previous removal of this account. Any additional relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. I look forward to your confirmation that this fraudulent account has been permanently removed from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: AZ

Complaint narrative:
Subject : Dispute of Fraudulent Accounts on Credit Report Due to Data Breaches Dear Sir or Madam, I am writing to formally dispute several unauthorized accounts appearing on my credit report, which I believe are the result of multiple data breaches, including those involving XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX. Fraudulent Accounts : XXXX XXXX : {$1700.00} XXXX XXXX : {$990.00} XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX : T his account is reporting past the statute of limitations as per FCRA guidelines. Legal Grounds for Dispute : Violation of Regulation F ( 12 CFR 1006 ) : Debt collectors are required to ensure the accuracy of information reported to credit bureaus. The presence of these unauthorized accounts indicates non-compliance. Violation of 15 U.S.C. 1681o : Credit reporting agencies are liable for willful noncompliance in reporting accurate information. Violation of 12 CFR 1026.13 combined with 15 U.S.C. 1666b : These statutes provide guidelines for resolving billing errors, emphasizing the necessity for accurate reporting. Violation of 31 U.S.C. 5118 : Pertains to obligations and transactions in foreign currency, underscoring the importance of lawful financial practices. Violation of 15 U.S.C. 1692c ( c ) : Addresses the cessation of communication upon request, relevant to the handling of disputed debts. Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the unauthorized accounts listed above. Ensure their immediate and permanent removal from my credit report. Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Enclosures : Copy of my credit report highlighting the disputed accounts. Documentation related to the mentioned data breaches. Any additional relevant information supporting my dispute. Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been permanently removed from my credit report. 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 2025-04-05 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: AZ

Complaint narrative:
Subject : Dispute of Fraudulent Accounts on Credit Report Due to Data Breaches Dear Sir or Madam, I am writing to formally dispute several unauthorized accounts appearing on my credit report, which I believe are the result of multiple data breaches, including those involving XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, and the XXXX XXXX XXXX. Fraudulent Accounts : XXXX XXXX : {$1700.00} XXXX XXXX : {$990.00} XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX : T his account is reporting past the statute of limitations as per FCRA guidelines. Legal Grounds for Dispute : Violation of Regulation F ( 12 CFR 1006 ) : Debt collectors are required to ensure the accuracy of information reported to credit bureaus. The presence of these unauthorized accounts indicates non-compliance. Violation of 15 U.S.C. 1681o : Credit reporting agencies are liable for willful noncompliance in reporting accurate information. Violation of 12 CFR 1026.13 combined with 15 U.S.C. 1666b : These statutes provide guidelines for resolving billing errors, emphasizing the necessity for accurate reporting. Violation of 31 U.S.C. 5118 : Pertains to obligations and transactions in foreign currency, underscoring the importance of lawful financial practices. Violation of 15 U.S.C. 1692c ( c ) : Addresses the cessation of communication upon request, relevant to the handling of disputed debts. Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the unauthorized accounts listed above. Ensure their immediate and permanent removal from my credit report. Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. Enclosures : Copy of my credit report highlighting the disputed accounts. Documentation related to the mentioned data breaches. Any additional relevant information supporting my dispute. Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been permanently removed from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
There are 19 separate loans listed on my credit report. On XXXX XXXX 2025, I received confirmation that my loans with MOHELA were refinanced and transferred to a new servicer, XXXX. Therefore, the information currently reported by all three credit bureaus is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: AZ

Complaint narrative:
Date : XX/XX/year> To : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Formal Identity Theft Complaint Fraudulent Accounts Reporting on My Credit Reports Dear Federal Trade Commission, I am writing to formally report XXXX fraudulent accounts that are currently appearing on my credit reports with Experian, Equifax, and TransUnion. These accounts were not opened by me, nor did I authorize anyone to open them on my behalf. The fraudulent accounts are listed as follows : XXXX XXXX {$1700.00} XXXX {$1300.00} These accounts are the result of identity theft and are now inaccurately damaging my credit profile across all three major credit reporting agencies. I have never had an account with XXXX XXXX or XXXX, and I have no knowledge of how these accounts were opened in my name. To support my claim of identity theft, I am including a copy of my official FTC Identity Theft Affidavit Report. I have also submitted this affidavit, along with other supporting documentation such as a copy of my government-issued ID, my Social Security card XXXX and proof of residence, to all three credit bureaus. Applicable FCRA Consumer Law Protections : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy. Reporting fraudulent accounts clearly violates this statute. 15 U.S.C. 1681i Grants consumers the right to dispute inaccurate information and requires the credit bureaus to investigate and remove unverifiable data within 30 days. 15 U.S.C. 1681c-2 Once identity theft is reported and verified, consumer reporting agencies are required to permanently block the fraudulent data from the consumers credit file. 31 U.S.C. 5118 Asserts protections against invalid or improperly documented financial obligations, reinforcing my right to challenge and remove debts not legally incurred by me. My Request to the FTC : I respectfully request that the FTC review this complaint and assist in ensuring that these XXXX fraudulent accounts are permanently removed from all three of my credit reports. I also ask that action be taken to hold the responsible furnishers and credit bureaus accountable for their failure to properly verify the legitimacy of these accounts before reporting them under my personal credit profile. I am prepared to cooperate fully and submit any additional information necessary to support my case and assist in your investigation. Thank you for your prompt attention and continued protection of consumer rights. 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 2025-06-11 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: AZ

Complaint narrative:
Date : XX/XX/year> To : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Formal Identity Theft Complaint Fraudulent Accounts Reporting on My Credit Reports Dear Federal Trade Commission, I am writing to formally report XXXX fraudulent accounts that are currently appearing on my credit reports with Experian, Equifax, and TransUnion. These accounts were not opened by me, nor did I authorize anyone to open them on my behalf. The fraudulent accounts are listed as follows : XXXX XXXX {$1700.00} XXXX {$1300.00} These accounts are the result of identity theft and are now inaccurately damaging my credit profile across all three major credit reporting agencies. I have never had an account with XXXX XXXX or XXXX, and I have no knowledge of how these accounts were opened in my name. To support my claim of identity theft, I am including a copy of my official FTC Identity Theft Affidavit Report. I have also submitted this affidavit, along with other supporting documentation such as a copy of my government-issued ID, my Social Security card XXXX and proof of residence, to all three credit bureaus. Applicable FCRA Consumer Law Protections : 15 U.S.C. 1681e ( b ) Requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy. Reporting fraudulent accounts clearly violates this statute. 15 U.S.C. 1681i Grants consumers the right to dispute inaccurate information and requires the credit bureaus to investigate and remove unverifiable data within 30 days. 15 U.S.C. 1681c-2 Once identity theft is reported and verified, consumer reporting agencies are required to permanently block the fraudulent data from the consumers credit file. 31 U.S.C. 5118 Asserts protections against invalid or improperly documented financial obligations, reinforcing my right to challenge and remove debts not legally incurred by me. My Request to the FTC : I respectfully request that the FTC review this complaint and assist in ensuring that these XXXX fraudulent accounts are permanently removed from all three of my credit reports. I also ask that action be taken to hold the responsible furnishers and credit bureaus accountable for their failure to properly verify the legitimacy of these accounts before reporting them under my personal credit profile. I am prepared to cooperate fully and submit any additional information necessary to support my case and assist in your investigation. Thank you for your prompt attention and continued protection of consumer rights. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
MOHELA is reporting a student loan account that was transferred or sold by the Department of Education without my written consent, which violates both FERPA ( 20 U.S.C. 1232g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I never authorized MOHELA to access or report my personal or financial information. This is a breach of my privacy rights and federal law. Under 15 U.S.C. 1681s-2 ( b ), any information that can not be verified must be deleted. Since there is no signed authorization from me, I am requesting the immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TN

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to conduct a lawful and reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) concerning negative payment history reported by XXXX XXXX. Despite submitting a dispute in good faith, TransUnion verified the account as accurate without providing documentation or a description of the method of verification, as required under FCRA 611 ( a ) ( 7 ). I specifically requested details and supporting evidence used to confirm the late payments, but TransUnion failed to provide this information. The dispute response was generic and did not address the basis of my concerns or provide any verifiable XXXX XXXX from the creditor. This lack of transparency and accountability obstructs my ability to correct my credit file and directly harms my access to fair 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/year>, I submitted a formal complaint to TransUnion regarding their failure to reinvestigate a disputed XXXX XXXX tradeline as required under FCRA 611. TransUnions response did not address the merits of my dispute and failed to provide the required method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Additionally, TransUnion continues to incorrectly display my legal name as XXXX XXXX XXXX instead of the correct XXXX XXXX XXXX and has not corrected the error despite multiple notices. This misreporting creates identification and credit file accuracy issues, directly impacting my creditworthiness. Furthermore, TransUnion is still not reporting my current active XXXX XXXXXXXX XXXX account, even though the replacement account is open and in good standing. This omission reduces the completeness and accuracy of my credit file, in violation of FCRA 607 ( b ). What I want TransUnion to do : Conduct a full, FCRA-compliant reinvestigation of the disputed XXXX XXXX tradeline and provide the specific method of verification used. Immediately correct my legal name in all records to XXXX XXXX XXXX. Begin accurate and timely reporting of my active XXXX XXXXXXXX XXXX account. Provide written confirmation of these corrections within the statutory timeframe. Supporting documents : Prior dispute correspondence TransUnions incomplete response Proof of correct legal name XXXX XXXX XXXX account documentation

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 2025-08-25 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: TN

Complaint narrative:
TransUnion has failed to correct verified errors in my credit file despite XXXX prior certified dispute letters and an active CFPB complaint ( ID XXXX ). My name continues to be incorrectly reported as XXXX XXXX XXXX instead of my legal name, XXXX XXXX XXXX, despite proper ID and SSN documentation. TransUnion refuses to delete a closed, zero-balance XXXX XXXX XXXX account ( Acct # ending XXXX ) that was not mine. It belonged to my deceased spouse and is being misattributed to me, in violation of FCRA 609 ( e ) and 611 ( a ). No verification has been provided. Only partial action was taken XXXX account ( XXXX XXXX ) was removed, but other verified issues remain unresolved.

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