vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I am filing a complaint regarding a hard inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ) on XX/XX/year>2024, which is currently showing on my Equifax credit report. 

While I may have initiated a credit application at the time, I was never approved, extended any credit, nor did I open any account with this institution. There was no credit relationship established, and nothing was ever issued to me. As such, Im disputing the continued reporting of this inquiry as it no longer serves any permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

I contacted Equifax and XXXX by phone to request the removal, but they are requiring me to submit personal documents even after I verified my identity over the phone. Ive expressed my concerns about identity theft in the past and am not comfortable uploading or mailing sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-04-11 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
I have reached out to affirm multiple times to have them remove this account that they are saying is late when it never was and it has also been paid and closed and they reported late after the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reached out to XXXX multiple times to have them remove this account that they are saying is late when it never was and it has also been paid and closed and they reported late after the account was closed.

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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements.

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account Number XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you. 

Debt Validation Request without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NC

Complaint narrative:
XXXX is insisting on collecting a charge for a product I paid for but didn't get with XXXX 

I paid {$31.00} for a group account and never got a usable account with XXXX I requested a refund from XXXX for services I didn't get and they refused. 

XXXX is insisting on collecting, even though I never got the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NC

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 non-monetary relief
Consumer complaint received 2025-04-11 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened XX/XX/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 2025-04-11 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: MI

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Subject : Dispute of Charge-O Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. 

XXXX XXXX XXXX, XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Account Name : XXXX Account Number : XXXX Complaint Details : I am XXXX this complaint because there is a charge-o on my credit report that I believe is inaccurate. I have disputed this charge-o with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-o listed under [ XXXX XXXX ] is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-o under the following sections of the FCRA : XXXX Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-o may have been reported inaccurately due to a lack of proper verification. 
XXXX Section 611 This section requires that all disputes be investigated and resolved within XXXX  days, ensuring that inaccurate information is either verified or deleted from the credit report. 
Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-o is inaccurate for the following reason : I am requesting that the CFPB assist in ensuring that this charge-o is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 
RESOLUTION- Ensure that the charge-o is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611.- Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00} XXXX XXXX XXXXXXXX XXXX {$1500.00} - ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-12 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: FL

Complaint narrative:
Subject : Dispute of Charge-O Account Under FCRA Sections XXXX ( XXXX ) and XXXX To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections XXXX ( XXXX ) and XXXX. I request that you investigate and remove the charge-o account referenced below as it is erroneous. 
Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Reported Charge-O Date : XX/XX/year> Disputed Amount : {$14000.00} I believe the charge-o in question is inaccurate, and I request that you verify its accuracy with the creditor. 
The FCRA, under Section XXXX ( XXXX ), mandates that any negative information reported about me must be accurate and reflect the truth. Furthermore, Section XXXX of the FCRA requires that you conduct a thorough investigation into this matter and remove any information found to be inaccurate. 
If the creditor can not provide suficient proof of the validity of this charge-o, or if you can not verify the accuracy of the entry, I request that the charge-o be removed from my credit report as required by law. 
Please inform me of the outcome of your investigation within the XXXXday time frame set forth by the FCRA. 
If you fail to respond within this period, I expect the charge-o to be removed in compliance with the law. 
Thank you for your prompt attention to this matter. I look forward to your response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TN

Complaint narrative:
MOHELA/DOFED {$1300.00} to {$0.00} PAID IN FULL MOHELA/DOFED {$1300.00} to {$0.00} PAID IN FULL On or around XX/XX/year> XXXX XXXX Telephone Call with Mohela after noticing erroneous {$0.00} interest charge. Mohela confirmed this to be erroneous charge. 
*Asked for refund, including updated corrected reporting to credit agencies. 

XXXX Dispute : XXXX Submitted XXXX XXXX, XXXX XXXXXXXX Item disputed XXXX XXXX XXXX XXXX XXXXXXXX Issue type Last reported account status and account information Issue The balance or past due amount is not correct. 
Confirmation # XXXX This Account should reflect PAID IN FULL with balance of {$0.00} XXXX. 
MOHELA/DOFED {$1300.00} to {$0.00} PAID IN FULL MOHELA/DOFED {$1300.00} to {$0.00} PAID IN FULL XX/XX/year> submitting complaint, including stolen money to Consumer Finance Reporting XXXX XXXX refund for the erroneous {$0.00} charged in interest after student loan was paid in full on or around XX/XX/year>. 
XXXX. Paid in full letter. 
XXXX XXXX balance paid in full reported to credit reporting agencies. 

Speculate : Mohela intentionally deliberately charged erroneous interest {$0.00} after the student loan was paid in full in order to prolong reporting correct PAID IN FULL XXXX XXXX balance to credit reporting and other agencies ; Mohela confirmed erroneous charge however refuses to provide refund ; therefore making it appear PAID IN FULL occurred at a later date than in XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct 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 explanation