vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
My identity was stolen and was used to open up accounts with XXXX and XXXX XXXX XXXX  and other XXXX  accounts

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 2025-05-21 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 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 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was charged off on the following date XXXX XXXX XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 2025-05-21 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: WA

Complaint narrative:
This company is under fire with lawsuits for reporting false information about student loans. I never signed up with XXXX and never signed a promissory note saying I owed money to their company. XXXX XXXX XXXX now are in an ongoing lawsuit for misinformation and lying about student loans and reporting it to the credit bureau XXXX This is a FCRA violation and Im demanding for XXXX to remove its misinformation about student loans that I do not have with them off of my credit report. I have already pointed out the inaccurate information that was reported to my credit bureau and you allowed for them to continue to report misinformation. In 2025, the Missouri Higher Education Loan Authority ( XXXX ) faces multiple lawsuits and investigations regarding its student loan servicing practices. XXXX. Lawsuits Against XXXX : XXXX XXXX XXXX : Borrowers from predatory for-profit institutions sued XXXX for failing to implement student loan discharges ordered by the Department of Education XXXX The court denied XXXX 's attempt to dismiss the lawsuit. XXXX XXXX XXXXXXXX : The XXXX XXXX XXXX XXXX ( AFT ) sued XXXX alleging a range of unlawful practices, including a " call deflection '' scheme to deny service to borrowers. Other Lawsuits : XXXX also faces a class-action lawsuit in Missouri over XXXX management of the Public Service XXXX XXXX XXXX XXXX ) program. XXXX. Investigations into XXXX : XXXX XXXX XXXX : Multiple state attorneys general are investigating XXXX over alleged mismanagement of borrowers ' accounts. XXXX. Senators : Several XXXX. Senators have launched probes into XXXX 's practices, including its website terms of use which XXXX infringe upon borrowers ' rights. Department of Education : In XX/XX/XXXX, the Department of Education reportedly found that XXXX had committed widespread servicing failures and violated its government contracts. XXXX. Allegations Against XXXX : Servicing Failures : XXXX is accused of widespread servicing failures, including failing to send bills on time, providing inaccurate information, and illegally deducting payments. XXXX Practices : XXXX is also accused of engaging in predatory practices that harm student loan borrowers. Refusal to Implement Discharges : XXXX is accused of refusing to implement student loan discharges ordered by the Department of Education, particularly for borrowers who attended predatory for-profit institutions. In summary, XXXX faces significant legal and regulatory challenges in XXXX due to allegations of poor servicing practices, predatory behavior, and failure to comply with federal regulations.

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 2025-05-21 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute Incorrect Address, Employment Information, and Unauthorized Inquiries Dear Equifax, XXXX am writing to formally dispute inaccurate information listed on my credit report. After reviewing my Equifax credit file, I noticed the following errors which I request be investigated and corrected : 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 There are XXXX or more addresses listed on my credit report that I have never resided at. Please remove any addresses not associated with my verified residence history. 

XXXX. Incorrect Employment Information : XXXX XXXX XXXX My credit report includes employment details that are inaccurate. I have never been employed by the listed employer ( XXXX ). I request that all incorrect employment information be removed from my credit file. 

XXXX. Unauthorized Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are several hard inquiries on my report that I did not authorize. I request these inquiries be removed as they were made without my consent. 



Please investigate these matters and remove or correct the inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my government-issued ID and a utility bill as proof of identity and address. 



I respectfully request that the results of your investigation be sent to me in writing at the address above. If you need any further information from me to assist with your investigation, please let me know. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint to CFPB Regarding Inaccurate Personal Information on Credit Reports To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am writing to formally dispute inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to accurate credit reporting, and the credit bureaus must correct or remove erroneous data. 

Incorrect Personal Information : Incorrect Name Variation : Reported Name : XXXX XXXX Correct Legal Name : [ Your Correct Full Name ] Incorrect Previous Address ( es ) : Reported Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Correct Address History : [ List only addresses youve actually lived at ] Incorrect Previous Address ( es ) : Reported Address : XXXX WASHINGTON XXXX  XXXX XXXX, XXXX, XXXX XXXXXXXX Correct Address History : [ List only addresses youve actually lived at ] Incorrect Name & Address Combination : Reported Entry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, California XXXX Correct Information : [ Your current legal name and address ] Requested Actions : Immediate Removal of all incorrect name variations and addresses. 

XXXX of XXXX XXXX XXXX ( attached proof provided ). 

Written Confirmation from all three bureaus once corrections are made. 

Free Updated Credit Report reflecting changes. 

Legal Basis : FCRA 1681e ( b ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i Consumers have the right to dispute and demand correction of inaccuracies. 

Supporting Documents Attached ( if applicable ) : Copy of government-issued ID ( e.g., drivers license, passport ). 

Utility bill or bank statement proving current address. 

Previous dispute correspondence ( if any ). 

Failure to correct these inaccuracies violates federal law. I demand resolution within 30 days as required by the FCRA. 

Contact Information : 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 2025-05-21 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: WA

Complaint narrative:
Ive disputed this account before, but the issues were not corrected. Im now asking for the procedures you followed during your investigation. If I dont receive this within 15 days, the inaccurate accounts should be deleted. See the attached letter for details.

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 2025-05-21 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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.

Please remove the following items from my credit report, immediately : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I presume that no Proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

Experian * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : 30/60-day lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection TransUnion * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : XXXX lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection Equifax * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : 30/60-day lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection

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 2025-05-21 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: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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.

Please remove the following items from my credit report, immediately : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I presume that no Proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

Experian * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : 30/60-day lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection TransUnion * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : XXXX lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection Equifax * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : 30/60-day lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NJ

Complaint narrative:
I am disputing inaccurate information reported by Equifax on my consumer report regarding the XXXX XXXX XXXX XXXX  account ( XXXX ). Under the Fair Credit Reporting Act, 15 USC 1681 et seq., credit reporting agencies must ensure maximum accuracy and protect consumer privacy. The XXXX recognizes that fair and accurate reporting is essential to the banking system and public confidence. My payment status for this account is paid as agreed, so there should be no late payment reported. Reporting an erroneous late payment violates my rights under 15 USC 1681a ( 4 ), 1681b ( 2 ), and 1681c-2, which protect my control over information and prohibit unauthorized reporting. Continued inaccurate reporting is willful noncompliance under 15 USC 1681n and 1681o, exposing Equifax to liability. I demand Equifax promptly fix this inaccurate late payment information in compliance with the FCRA without deleting the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed a lot of inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My Information has also been exposed in a data breach and Identity theft is being committed. 

I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that are inaccurate and not properly verified. I have disputed this directly with the credit reporting agencies and the furnisher, but the late payments remain without proper certification /validation or documentation. under 15 U.S.C. 1681 ( s ) ( 2 ) a furnishers must report accurate information. Under 15 U.S.C. ( i ) the Credit Reporting Agency must perform a reasonable investigation within 30 days. Neither the Creditors nor the Credit Reporting Agencies have provided sufficient evidence to support the negative reporting.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for the Capital One Savor XXXX card in XXXX that included a {$200.00} bonus offer if I spent {$500.00} within XXXX  days of receiving the card. I spent more than the required balance and the date that it was completed was XX/XX/year>. Today is XX/XX/year> and I have not yet received my bonus offer so I decided to call up capital one and see what the issue was. After getting transferred to supervisor, I explained my issue and we both took time to search the fine print to see why I did not receive my offer. After XXXX minutes I was told that the card I applied for was not the same card that I got approved for. The card I applied for was called the " Savors Reward '' card and the card that I received was the same card but for clients with " good credit. '' This card is not eligible for the one-time offer even though the card is/does the exact same thing. 

The issue I have with this is that I would have rather been declined that shadily approved for a card that I did not want. If I knew this was the case, then I wouldn't have applied for the card or spent money on the card to receive the bonus. I am affiliated with several other banks and credit unions and have completed many offers like this, not once have I had any issues. 

I'm only making this complaint so others don't fall for the same shady tricks that happened to me. If you apply for a specific card, then don't blindly sign me up for another I didn't want. I didn't consent to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinme Holdings, Inc.
State: WA

Complaint narrative:
I purchased XXXX @ a Coinme kiosk in the XXXXXXXX XXXX  on Friday XX/XX/XXXX, afterwards I tried to set up an account, the site would accept any of my password attempts. I tried everyday for XXXX  days straight ; during this time I am constantly reaching out to the company, Coinme for help, to no avail, their is no phone number & I did receive a response with a code solution that did not work. I reach out to them all day everyday for XXXX days, I still can not get a password to work I comply with the instructions, I get nothing but error codes consistently. here 's an example : Status Code : XXXX & INCORRECT PASSWORD & " TOKEN EXPIRED '' yet no password! I just want access to my funds right away.

Company response to consumer: Closed with explanation