vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in Dispute : Creditor : DEPTEDXXXX XXXX XXXXXXXX XXXX U.S. Dept of Education ) Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$22000.00} Creditor : DEPTEDXXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6400.00} Creditor : DEPTEDXXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6500.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$4700.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in Dispute : Creditor : DEPTEDNELNET ( XXXX XXXX U.S. Dept of Education ) Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$22000.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6400.00} Creditor : DEPTEDXXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6500.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$4700.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 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 2025-04-25 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following federal student loan accounts listed on my credit report. These loans were issued under the U.S. Department of Education, which has since been abolished, rendering these debts legally unenforceable and unverifiable. Accounts in Dispute : Creditor : DEPTEDXXXX  ( XXXX XXXX U.S. Dept of Education ) Account # XXXX Open Date : XX/XX/XXXX Reported Balance : {$22000.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6400.00} Creditor : DEPTEDXXXX  Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$6500.00} Creditor : DEPTEDXXXX XXXXccount # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$4700.00} Creditor : DEPTEDXXXX Account # : XXXX Open Date : XX/XX/XXXX Reported Balance : {$3600.00} Reason for Dispute : Abolishment of the U.S. Department of Education The originating agency for these loans no longer exists, making these debts legally unenforceable. Inability to Verify Debt Per the Fair Credit Reporting Act ( FCRA 1681i ), you must verify the accuracy of these accounts. Since the Department of Education is defunct, verification is impossible. No Valid Current Creditor Nelnet services these loans on behalf of the DOE, which no longer exists. There is no legal authority to collect or report this debt. Requested Action : Immediate deletion of these accounts from my credit report. Written confirmation of the removal. Notify all credit bureaus if these accounts were furnished to them. If you fail to verify these accounts within 30 days ( as required by the FCRA ), they must be removed. 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 non-monetary relief
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-04-25 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: KS

Complaint narrative:
I am currently making payments on my XXXX XXXXXXXX XXXX card with XXXX XXXX. The account was sold to XXXX XXXX & then placed with XXXX XXXX. I looked at my Equifax report to find that XXXX XXXX Bank is reporting the same account as XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I am currently making payments on my XXXX XXXX Bank card with XXXX XXXX. The account was sold to Resurgent/LVNV Funding & then placed with XXXX XXXX. I looked at my Equifax report to find that XXXX XXXX Bank is reporting the same account as LVNV Funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I bought two different colors of coral on their website, but after receiving it, I found that the size and color of the coral were completely different, which was very different from their description and the picture displayed. The description on their website was 3/4-inch fragments, but the fragments I actually received were less than 1/2 inches, and both were exactly the same, completely different from the pictures on their website. So they cut a 3/4-inch coral into two pieces for me, which is completely fraudulent, and their attitude is very bad. Communicating with them directly means that the consumer is a thief, very arrogant. My request is to return the goods for a refund. Thank youI used Affirm to pay, and after reflecting these problems with them, Affirm chose to ignore the problem of merchant fraud and favor one of the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-25 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 

To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report.

An updated credit report reflecting the corrected information.

Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX XXXX XXXX XXXX, NY, 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 2025-04-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

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 explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 2025-04-25 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is inaccurately reporting two unauthorized hard inquiries, one from XXXX XXXX  and the other from XXXX XXXX. I did not authorize these companies to access my credit file, nor did I apply for any credit with them. This is a direct violation of 15 USC 1681b, which mandates that credit bureaus may only allow access to credit files when there is a permissible purpose. Despite my dispute, Experian has not provided any evidence of my consent for these inquiries. The presence of these unauthorized hard inquiries on my credit report is damaging my credit profile, as each inquiry lowers my credit score and raises concerns about my credit behavior. 

XXXX failure to remove these unauthorized inquiries represents a serious error and further violates my rights under the FCRA. By continuing to report these unauthorized inquiries, Experian is misleading third parties who may rely on inaccurate information to make decisions about my creditworthiness.

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