vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Equifax Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law. 
Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
Following identity theft and several data breaches ( Equifax XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), multiple unauthorized accounts, inquiries, and addresses were added to my credit file. I filed FTC Report # XXXX and submitted CFPB Complaint ID XXXX. Since XX/XX/XXXX, Ive contacted Equifax twice daily to ensure all documents were attached to my file. 

On XX/XX/XXXX, Equifax acknowledged the CFPB submission but stated that the FTC report was invalid without explanation. After seven days, their Special Handling Department claimed all documents were validexcept for the FTC reportciting issues with the report number or date, again without clarification. As of today, Equifax continues to report unauthorized and unverifiable information, failing to investigate or correct the disputed data as required under FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am formally disputing multiple inaccurately reported late payments on my credit report. These payments were made on time, yet TransUnion continues to report them as late, harming my credit score and financial standing. This is unacceptable and must be corrected immediately.

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 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IN

Complaint narrative:
This is a follow up to complaint XXXX. MOHELA has never responded and is past due on when they should have responded. 

Now MOHELA 's website states that IDR applications are being processed ( attaching screenshot ). They should be able to process my cancelation now. It has been 7 months of no action being taken on their part. 

Details from former complaint, I have also included screenshots from former complaint : On XX/XX/XXXX I submitted an IDR application through studentaid.gov. This changed into the status of " In Review '' on XX/XX/XXXX. On XX/XX/XXXX I submitted another IDR application directly through MOHELA for the XXXX repayment plan. This was approved on XX/XX/XXXX. That day I emailed MOHELA and requested that my IDR application from XXXX of XXXX be canceled, that I did NOT want it to be processed. I wanted to stay on XXXX. I received a response from MOHELA on XX/XX/XXXX stating " Thank you for contacting MOHELA, A request has been submitted to cancel the Income Driven Repayment Plan application that was submitted in XXXX XXXX XXXX. Your consolidated loan is on the Pay As You Earn ( PAYE ) Repayment Plan. '' This request was never processed. Recently I noticed that my loans were placed into Forbearance. I tried calling, but the wait times to talk to a customer service representative was 5 hours long.

I then emailed MOHELA about this. I received a response stating " Thank you for contacting MOHELA, Administrative forbearances were applied to accounts due to the administrative stay in XX/XX/XXXX, for processing Income-Driven Repayment ( IDR ) plan applications. Borrowers should expect a lengthy delay in the processing of applications. '' I should NOT have an IDR application in process. I requested for this application to be canceled months ago, and received confirmation from MOHELA that the request to cancel it had been placed. I have attached screenshots of their correspondence. I called today on XX/XX/XXXX and was lucky enough to finally be able to speak to a customer service representative. They said there was nothing they can do and that they would not help me with my account. I asked them to email me information regarding the status of my account, why the forbearance could not be removed, and why my request to cancel my IDR application from months ago could not be processed. They said that they would and this has not been done. I feel like I am being lied to about the status of my account and their ability to help due to lack of training and/or ability to do their assigned job tasks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: IN

Complaint narrative:
charges unauthorized. none of charges are authorized by me as I do not use this card. wasn't able to login into my account to see charges. statement also was never received XX/XX/scrub>XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
As part of the CFPB lawsuit against Experian this company refuse and failed to conduct proper investigation in regards to Reference Accounts : XXXX, XXXX, XXXX, XXXX, XXXX Additional Reference : XXXX XXXX XXXXXXXX. I ask in kind for your office to forward my attached Rebuttal letter to Experian for correction to my credit file.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a written dispute to Experian regarding numerous inaccuracies on my credit report. These included unauthorized hard inquiries, unverified accounts, and failure to update my employment status. Despite this submission, Experian failed to provide verification, failed to correct disputed items, and offered no documentation from the data furnishers. 

On XX/XX/XXXX, Experian added a personal fraud alert statement to my credit file without my knowledge, consent, or request. The statement read : ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST. 

This fraud alert was not requested by me, and I did not submit any identity theft report, police report, or FTC affidavit. The inclusion of this alert without my authorization constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 1681c-1. Since its placement, I have been denied credit. 

Additionally, Experian failed to investigate and remove the following unauthorized inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian also left the following disputed accounts unresolved without providing any supporting documentation : - XXXX Fraudulent charges following XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect late payment XXXX XXXX XXXX Incorrect late payment - XXXX XXXX  ( Acct ending XXXX ) Closed in error - XXXXXXXX XXXX ( no account number ) {$15000.00} balance, unverifiable - XXXXXXXX XXXX XXXX Improper closure by creditor - XXXX Billing dispute over auto service - XXXX XXXX XXXX  payment not reflected Finally, Experian failed to update my current employment as requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Due to these failures, I filed a formal complaint with the Illinois Attorney XXXXXXXX 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered an unauthorized hard inquiry on my credit report. I never provided permission for this credit check, nor did I initiate any relevant financial activity. I kindly request that this inquiry be deleted to reflect the true and accurate state of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am submitting this formal complaint to dispute a series of credit inquiries currently reporting on my Equifax credit report, which I did not authorize and believe to be either inaccurately recorded or unlawfully posted. The inquiries in question include XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. At no time did I initiate a credit application or provide written or digital consent to any of these entities to access my Equifax credit report. I therefore dispute their inclusion and raise concern that Equifax has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), particularly as defined under 15 U.S.C. 1681b ( a ), which strictly outlines when and how a consumers credit file may be accessed.

According to the FCRA, Equifax is required to ensure that only parties with a legally permissible purpose can obtain consumer reports, and it is also obligated under 1681e ( a ) to implement and follow reasonable procedures to prevent unauthorized or inaccurate access. The fact that multiple inquiries have appeared on my reportspanning different lenders and dates, and none of which I initiatedpoints to a failure in that duty of care. These hard inquiries are now negatively impacting my credit score and presenting a false narrative to creditors and financial institutions that I am actively seeking credit from numerous lenders. This is not only misleading but could also lead to adverse credit decisions and future denials based on a profile that no longer reflects my actual behavior or intent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
CFPB XXXX XXXX Equifax Filed by : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX 2025 Subject : Equifax Reporting Fraudulent Inquiries and Inaccurate Accounts in Violation of the FCRA I am filing this formal complaint against Equifax for its failure to correct inaccurate and unauthorized information on my consumer credit file. On XX/XX/XXXX 2025, I submitted a written dispute directly to Equifax, which included a detailed explanation of the issues, along with supporting documents : my FTC Identity Theft Report, government-issued ID, Social Security number, and utility bill. 

Despite receiving all required documentation, Equifax has failed to take corrective action or provide any verifiable proof supporting the continued reporting of the disputed items. 

Disputed Accounts XXXX XXXX XXXX XXXX  ( Charge Account ) XXXX XXXX  Equifax is reporting this account with multiple late payments, despite it being current and in good standing. I have never missed a payment on this account. This reporting is false, misleading, and a direct violation of 15 U.S. Code 1681s-2 ( a ), which requires furnishers to report information that is complete and accurate. 

XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Equifax is also inaccurately reporting this auto loan. I requested validation of this data under FCRA 609 ( a ) ( 1 ), but Equifax has failed to provide any supporting documentation. Per FCRA 611 ( a ) ( 5 ) ( A ), unverified or inaccurate information must be deleted.

Unauthorized Inquiries The following inquiries appear on my Equifax report without my authorization or knowledge. These entities have not provided any signed applications or proof that I consented to their access : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries violate FCRA 604 ( a ) ( 3 ), which limits the release of consumer reports to parties who have a permissible purpose and valid consumer authorization. No such purpose or authorization exists in this case.

Failure to Respond and Use of Stall Tactics Despite sending a detailed dispute supported by identity documents and an FTC report, Equifax has failed to perform a reasonable investigation as required under FCRA 611 ( a ) ( 1 ) ( A ). This appears to be part of a pattern of noncompliance, delay, or the use of stall tactics to avoid corrective action.

If Equifax fails to comply, I will consider pursuing legal remedies under FCRA 616 and 617 for willful and negligent noncompliance, including statutory and punitive damages, attorneys fees, and court costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

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 2025-06-18 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: OH

Complaint narrative:
My information may have been impacted by the Equifax, TransUnion and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Respectfully XXXX XXXX XXXX without prejudice

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am formally disputing the collection account your company is reporting under I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX XXXX ) account # XXXX. I do not recognize this account, and I was never notified about it prior to seeing it on my credit report. I have never received any letter, notice, or validation from your agencyno explanation of the alleged debt, no itemized breakdown of the amount, and no proof that you have the legal authority to collect on it. Under Regulation F of the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ), I have the right to receive a complete validation notice that includes the name of the original creditor, a full breakdown of the balance, and evidence of your right to collect this debt. You failed to provide any of these. This also violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which requires you to notify me of my right to dispute the debt before reporting it. Additionally, furnishing unverified information to the credit bureaus without my consent violates 15 U.S.C. 1681e ( b ) and 1681b of the Fair Credit Reporting Act. I am demanding that you immediately provide me with all of the following : ( 1 ) a complete validation notice, ( 2 ) a copy of any signed agreement bearing my signature, ( 3 ) a detailed breakdown of the alleged balance, and ( 4 ) documentation proving your authority to collect on behalf of XXXX XXXX XXXX XXXX. If you can not provide these, then the account MUST BE PERMANENTLY DELETED from all consumer reporting agencies. Reporting unverifiable and unauthorized information is harmful, unfair, and illegal. I expect a written response confirming the results of your investigation and immediate removal of this account from my credit file.

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