vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. This letter serves as an official demand for the removal of any unverifiable, inaccurate, incomplete, or outdated items in accordance with these laws.

I request that you investigate and provide full verification of the following item ( s ). If you can not legally verify the accuracy, timeliness, and completeness of the information within 30 days, you are required by law to delete it from my report permanently. 

Disputed Account ( 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 XXXX XXXXXXXX Legal Grounds for My Dispute and Demand : 1 FCRA 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are obligated to conduct a reasonable investigation within 30 days of a dispute. If the disputed item is not verified with documented, original proof, it must be deleted from the file.

2 FCRA 1681e ( b ) : Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Reporting unverifiable or outdated data is a violation of this statute.

3 FCRA 1681c ( a ) : Negative information that is older than 7 years ( or 10 years for bankruptcies ) must not be reported.

4 FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) : Debt collectors are prohibited from continuing collection or reporting activity if the debt is disputed and not validated. You are also barred from reporting unverifiable debt to credit bureaus.

My Demands Are as Follows : If you can not verify these accounts with documented evidence from the original creditor, you must PERMANENTLY DELETE them from all versions of my credit report. 
Cease reporting any debt that is unverified, misattributed, or outdated under FCRA and FDCPA requirements. 
Send me a new, updated copy of my credit report showing all deletions made. 
I demand that you conduct your reinvestigation with diligence and in full compliance with all applicable laws. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or pursue legal action for willful noncompliance. 
This letter shall also serve as formal notice to preserve all documents and communication records related to this dispute in the event legal proceedings are initiated.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-25 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:
Summary of Complaint : Request for Immediate Processing of IBR Application Due to Servicer Delay I graduated in XX/XX/XXXX. My student loans then entered the standard 6-month grace period. During this time, I contacted MOHELA to apply for an Income-Driven Repayment ( IDR ) plan. I was told I had to wait until I received my first bill. 

In XX/XX/XXXX, I received my first bill and applied for the SAVE Plan online through StudentAid.gov on XX/XX/XXXX. Three days later, I received a message stating that because one or more of my loan servicers did not participate in the online IDR process, I needed to print and mail a paper application with supporting income documents. 

However, I contacted Federal Student Aid and was informed that my application had already been submitted electronically. I then contacted MOHELA, who advised me to wait two weeks for processing.

Two weeks later, I called again and was told to submit a paper application instead. While trying to sort this out, I placed myself on a voluntary 12-month forbearance, during which Ive been accruing interestapproximately {$10000.00} this past year alone. Had I been placed on the SAVE Plan back in XX/XX/XXXX as I should have been, this interest would not have accrued. 

To avoid further issues, in XX/XX/XXXX, I applied for the IBR plan. Then on XX/XX/XXXX, I submitted a new online application for IBR. When I called on XX/XX/XXXX, I was told the application would be expedited. However, when I followed up on XX/XX/XXXX, I was told that no application was pending and was asked to submit another onewhich I did the same day. 

At this point, I have been trying to get enrolled in an IDR plan for over a year. My voluntary forbearance ends on XX/XX/XXXX, and I urgently need my IBR application to be processed before then. The ongoing delays are causing financial harm due to interest accrual and the lack of access to affordable repayment. 

Additionally, it appears MOHELA does in fact accept online IDR applications, contrary to the original message I received, and I believe I was misinformed or misdirected throughout this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
BMO Bank bought an auto loan from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The original loan agreement was lost ; although, the debt payments have been enforced. The terms of the loan were extended bXXXX XXXX XXXX XXXX XXXX thanks to the COVID assistance program. 
Currently, a letter mailed on XX/XX/XXXX indicated the sudden payoff date of XX/XX/XXXX. This payoff includes the forgiven 3 monthly payments due amount as pending. The due balance adds late fees rolled over since the COVID assistance program extension of payments due. 
BMO Bank 's has been contacted to no avail.

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 2025-07-25 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: IN

Complaint narrative:
I am formally disputing a fraudulent account that has been mistakenly associated with my credit profile. I have never opened or authorized this account, and it does not reflect any transaction or agreement initiated by me.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I initiated a dispute claim with Capital One regarding a transaction with Walmart. Unfortunately, on XX/XX/XXXX, Capital One denied the claim without sending any communication that allowed me to provide supporting evidence. 

During this time, I was able to reach the merchant directly and spoke with a representative named XXXX, who provided both a transaction reference number and a recorded call number to support my case. I also sent an email to Capital One on XX/XX/XXXX with this information of the reversal of {$64.00}, yet there was no acknowledgement or response to this submission. 

Capital One stated they were unable to reach the merchant, but I was clearly able to make contact myself. Furthermore, I was never sent a proper or timely method ( e.g., a form, secure upload link, or request ) to submit my evidence before the claim was closed. This lack of communication prevented me from defending my case appropriately. 

As of now, Capital One has reversed the provisional credit, and my account is now reflecting a negative balance even though the claim was never properly reviewed with my evidence. This has caused unnecessary financial stress and hardship due to what appears to be a failure in Capital Ones dispute process. 

I am requesting that the dispute be reopened and that Capital One review all documentation and communication fairly and in accordance with proper dispute handling procedures under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-07-25 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: TX

Complaint narrative:
An unauthorized account is being reported under my name, which I did not initiate. I am a victim of fraud and request that this account be immediately removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My credit was frozen and had fraud alerts on my credit report however XXXX still issued loans to unknown people in my name and are ruining my credit for it when demanding payment for money I never applied for or received. They also make it incredibly difficult to fix as they require transcripts and diplomas that I don't have.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit was frozen and had fraud alerts on my credit report however XXXX still issued loans to unknown people in my name and are ruining my credit for it when demanding payment for money I never applied for or received. They also make it incredibly difficult to fix as they require transcripts and diplomas that I don't have.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit was frozen and had fraud alerts on my credit report however XXXX still issued loans to unknown people in my name and are ruining my credit for it when demanding payment for money I never applied for or received. They also make it incredibly difficult to fix as they require transcripts and diplomas that I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-25 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: GA

Complaint narrative:
In XXXX, I entered into a financing agreement under deceptive and predatory circumstances with a dealership that partnered with XXXX XXXX XXXX. The vehicle was defective from the outset and became inoperable shortly after delivery. I barely drove the car and immediately raised concerns regarding the legitimacy of the transaction and the loan terms, which were misrepresented and lacked clear, informed consent. Due to the fraudulent nature of the sale and financing, I took prompt action to disengage from the contract. Despite these facts, XXXX XXXX continues to report this account as a valid charge-off. I am requesting the removal of this item, as the transaction does not meet the standards of a bona fide or enforceable credit agreement and should not be reported as a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
In XXXX, I entered into a financing agreement under deceptive and predatory circumstances with a dealership that partnered with XXXX XXXX XXXX. The vehicle was defective from the outset and became inoperable shortly after delivery. I barely drove the car and immediately raised concerns regarding the legitimacy of the transaction and the loan terms, which were misrepresented and lacked clear, informed consent. Due to the fraudulent nature of the sale and financing, I took prompt action to disengage from the contract. Despite these facts, XXXX XXXX continues to report this account as a valid charge-off. I am requesting the removal of this item, as the transaction does not meet the standards of a bona fide or enforceable credit agreement and should not be reported as a valid debt.

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 2025-07-25 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: NM

Complaint narrative:
I am writing to formally dispute the presence of unauthorized accounts appearing on my credit report. These accounts were opened and reported without my knowledge, consent, or authorization, and I have never managed or been associated with them in any capacity. 

This is entirely unacceptable, as it reflects inaccurate and misleading information about my financial history. I take the integrity of my credit profile very seriously, and the appearance of these fraudulent accounts is deeply concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-25 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation