vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: VA

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 2025-05-14 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
my account is with ally bank, i have a credit card with them. I XXXX XXXX XXXX  and fell behind on the payments. in XXXX i caught up to date on my account, over the phone with one large payment using my debit card. When i went to make the payment on XX/XX/XXXX ( the due date ) the website would not allow me to use my checking account to pay my bill, because it said that they had previously tried to take money out using that account and routing number and i was not allowed to use it anymore. So i called in immediately, to make a payment on my account using my debit card like i had the previous month and the representative i spoke to told me they only use debit cards if your account is behind.... Because mine is current, they WOULD NOT take a payment from me using my debit card. I asked the Rep how i could make a payment, She said use another checking account. I ONLY HAVE 1 CHECKING ACCOUNT. She said there was nothing she could do and no way for me to make payment at that time, she said send a check or use your banks bill pay feature. So i ended up using the bill pay feature on bank but if course the payment was late, and i was charged a late. I also lost my charging privledges for being " late '' so many times, but I TRIED TO MAKE THE PAYMENT ON TIME AND THE REFUSED TO LET ME. Its very decpetive and has to be illegal for them to not accept a payment so they can charge me a late fee and take away my charging prilvedges.

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 monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

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 Acct # XXXX I.C. System Inc And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 Treatment of inaccurate or unverifiable information ( A ) in general, after my reinvestigation under paragraph ( XXXX ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item 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 delete the accounts XXXX I.C. 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 2025-05-15 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: MO

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Request for Immediate Deletion of Fraudulent XXXX XXXX Account from My Credit Report Dear Experian and Equifax, I am writing to formally dispute the reporting of an XXXX XXXX account currently listed on my credit report. I am a victim of identity theft, and this account was fraudulently opened without my knowledge or authorization. 

My personal information was compromised in a data breach, and since that time I have had persistent issues with fraudulent accounts appearing on my credit reports. In addition, there was a point when my mail was being redirected without my consent, further supporting the possibility that my personal data was unlawfully accessed and exploited. 

I have previously notified your agencies about this matter and provided appropriate documentation, including a valid Identity Theft Report. Despite this, the XXXX XXXX account remains on my credit file. This continued reporting is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), when a consumer provides a police report or Identity Theft Report to a consumer reporting agency, along with identifying information, the agency must block the fraudulent information from the consumers report within four ( 4 ) business days. This is a mandatory action. The law does not permit the account to remain pending the results of any internal investigation.

Furthermore, under 15 U.S.C. 1681n ( civil liability for willful noncompliance ) and 15 U.S.C. 1681o ( civil liability for negligent noncompliance ), your continued failure to block or delete this fraudulent account may subject your agencies to legal liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 

I am once again enclosing the following documentation : A copy of my Identity Theft Report Government-issued photo ID Proof of residency A signed statement affirming that I did not open or authorize the XXXX XXXX account This is a final request for you to immediately remove the XXXX XXXX account from my credit file and provide written confirmation that the deletion has occurred. Failure to comply will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to seek legal remedies as permitted by law. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Copy of Government ID Proof of Residency Signed Statement of Dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-14 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-14 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: 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 XXXXXXXX List of Unauthorized Inquiries : 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 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 2025-05-15 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: NY

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
FRAUDULENT ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT # XXXX DATE ACCOUNT OPENED XX/XX/year> FRAUDULENT CHARGES SHOWS AS CHARGED OFF ( THIS IS A FRAUDULENT ACCOUNT AND WAS NOT OPENED BY ME )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
As of XX/XX/year> this company has not sent out my request which was to send out document of my last statement and payment i sold this vehicle thru them to an auction and the amount to paid was under {$5000.00} but they are reporting on my credit report a different amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I made an online purchase from what I thought was a legitimate company. Turns out it was a fraudulent company. I did some research and learned i was not the only one to fall for the scam. I never received the merchandise. There is no phone number to call. They do not answer my questions in email. They send a bogus tracking number and a link for me to click on. By this point, I already knew it was a fraudulent company so I chose not to click on the link. I disputed the charge with Credit Karma and they denied it. I filed an appeal and sent screen shots of the investigation I had done, to show it was a fraudulent company and Credit Karma did nothing to help protect me. I called today to file another appeal and asked that it be sent to a supervisor and less than two hours later, I received an email that they were denying again to refund my money. They do not listen to anything and they stopped replying to my emails after they denied my last appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I have contacted MOHELA repeatedly since XX/XX/XXXX trying to resolve this issue with no success I XXXX  from XXXX back in XXXX and have been paying my loans until XXXX XXXX. When they were all PAID IN FULL. 

Mohela switched loan servicing programs and somehow reissued my loans to require repayment again in XXXX where I continuously got repayment notices .. to now where theyve sent it to debt collections. Ive called MOHELA customer service repeatedly but they are incompetent and not able to acknowledge I paid my loans in full even though I sent them proof that Ive paid every XXXX of the loan. MOHELA was the one that sent me proof of all my payment history for each loan, and when I sent it back to them as PROOF of payment, they are still not able to clear my situation and give me a loan discharge. My credit score is now XXXX. When I am not delinquent. And am in the process of taking legal action with XXXX XXXX XXXX, MOHELA, and the credit unions if the collections is not removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC
State: CA

Complaint narrative:
XXXX XXXX in New York charged me for my last utility bill {$240.00} which I wasnt aware of. They sent it to collections to a company called XXXX XXXX. 
I pay directly to XXXX on XXXX/2020. 
I called twice XXXX XXXX to tell them to please remove my debt as it was already paid. The customer service both times was terribly rude and said it still needed to be paid to them and that they will keep it on my credit history regardless. This debt has been for years on my credit report as a derogatory mark and they still havent removed it. 
I have evidence of my receipt from XXXX. This derogatory mark has impacted on me getting loans and credit cards. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to report a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX XXXX and Equifax, concerning an unresolved and improperly handled credit reporting dispute. 

I initially submitted a written dispute to Equifax regarding an inaccurate account in XX/XX/year>. According to FCRA XXXX ( a ) ( XXXX ) ( A ), the credit reporting agency is required to complete its investigation within 30 days. This deadline has long passed, and Equifax has failed to notify me of any legitimate reason for the delay or provide documentation supporting the continued reporting of the account. 

When I escalated the matter by submitting a complaint through the Consumer Financial Protection Bureau ( CFPB ), Equifax and the furnisher validated the account by relying solely on the furnishers internal records without conducting a reasonable or independent investigation, as required under FCRA 1681s-2 ( b ). This practice not only violates federal law but demonstrates a lack of good faith in resolving consumer disputes. 

This failure is not only a legal violation it is actively causing hardship in my life. Due to this unresolved and inaccurately reported account, I have been denied access to fair credit opportunities, experienced financial strain, and suffered emotional distress. This inaccurate reporting is affecting my ability to secure essential services and support my family. 

Furthermore, Equifax is already under scrutiny for its history of mishandling consumer data and failing to meet its obligations under the FCRA. Given their record and the current mishandling of my dispute, I am deeply concerned about the integrity of this process. 

I demand that this account be immediately deleted from my credit report. It is unjust and unlawful for Equifax and the furnisher to continue reporting unverifiable information following a flawed and legally insufficient investigation. 

Please treat this as a formal request for immediate corrective action and a written response acknowledging the removal of the disputed account from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 2025-05-15 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 2025-05-15 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on my credit file regarding the mortgage account listed as XXXX  XXXX with account number ending in XXXX * * * *. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting an immediate reinvestigation and permanent removal of this inaccurate entry 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 explanation