vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a 90-day late payment on my student loan account serviced by the Department of Education/XXXX  XXXX According to the federal deferment policies implemented during the COVID-19 pandemic, my XXXX  loans were placed in forbearance, and payments were paused under extended federal relief guidelines. At no point was I notified via phone, email, or mail that this deferment had ended or that payments were due. Due to this lack of communication, I remained under the reasonable impression that my loans were still in deferment or forbearance due to financial hardship. Despite this, a 90-day delinquency was reported to the credit bureaus. I reviewed my Payment History Line, and it does not reflect any missed or late payments. The 90-day late status appears only in the Payment Status Line, which creates a discrepancy that misrepresents my account activity. This may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which requires that furnishers of information to credit bureaus ensure the accuracy and integrity of the data reported. Given the circumstances and the absence of any valid or communicated obligation to make payments during the period in question, I respectfully request that the Department of EducationXXXX immediately remove the inaccurate 90-day late payment notation from my credit reports with all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc.
State: WI

Complaint narrative:
I was told I had a debt with a company that never contacted me or provided proof of validation of debt. Was sent on XX/XX/year>. 
Request for Debt Validation Pursuant to the FDCPA Dear To Whom It May Concern '', I am writing to formally request validation of the alleged debt you claim I owe, as provided for by the Fair Debt Collection Practices Act ( F

DCPA ), 15 U.S.C. 1692g. Please provide the following information in writing : Th
e amount of the debt, including a breakdown of fees, interest, and principal.

The name of the original creditor and the original account number.

Documentation that proves you have the legal right to collect this debt.

A copy of the original contract or agreement signed by me.

The date the debt was incurred and the date of the last payment made.

Proof that this debt is within the statute of limitations for collection in my state.

Your agencys license information to collect debts in my state.

Please treat this letter as a formal dispute of the debt. Until the debt is fully validated, cease all collection efforts, including reporting this account to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank Delaware is reporting of a debt on my credit report. This debt was subject to legal action and was taken to court. However, the case was discontinued, with no costs awarded to either party. 

I have physical documentation confirming the discontinuance, which verifies that there was no judgment, no finding of liability, and no financial obligation established against me. 

Given the dismissal of the case without cost or judgment, continued reporting of this account as a valid charge-off or collection is inaccurate and misleading, in violation of the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that this account be promptly deleted from my credit report to ensure the information furnished is complete and correct, as required by federal law. 

Supporting documentation can be provided upon request.

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 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-04-28 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account is shown late payment on Experian and Equifax only and not shown on XXXX  XXXX XXXX account opened at XXXX on XX/XX/XXXX account is showing late payments on Experian and Equifax only and not shown on XXXX  collection account opened at XXXX on XX/XX/XXXX account is late payment on Equifax only and not shown on XXXX  and Experian, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
CITIZENS BANK CHARGED ME NUMEROUS OVERCHARGE FEES ALSO ATM FEES AND HAD SOME UNAUTHORIZED TRANSACTION AND THEY CLOSED THE ACCOUNT AND I WAS TOLD THAT WAS MY FAULTH SO THE ACOUNT WAS OVERDRAFT AND THEN CLOSED TWO WEEKS LATER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: SC

Complaint narrative:
I called on Friday and sat on hold for a total of 4 hours. I spoke to someone who didnt educate me on my loans at all. I asked about the forbearance and told them that I started a new job and one of the benefits was them paying monthly on loans that werent in forbearance. He transferred me to someone where I sat on hold for 3 hours. She asked me why I was in forbearance and I told her Im assuming its because I am on the XXXX plan. I asked about taking a loan out of forbearance and she said she would take them out and Id be hearing something in a couple of days. Im now hearing from other people that this means I will no longer be on the XXXX plan??? I asked her if coming out of forbearance would still allow me to be on XXXX plan and pay out my agreed monthly payments, and she said yes. However, several people have told me what happened to them and they were no longer on any type of plan, such as XXXX and XXXX and they were stuck making regular payments. I would like to stay on XXXX plan. I called Mohela today to clarify, but of course, I can not talk to anyone in customer service. I chose a call-back option, but lets see how long Im expected to sit on hold before someone can assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: Experian Information Solutions Inc.
State: PA

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 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 2025-04-28 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

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.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This complaint to EQUIFAX was the result of their non compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Account # XXXX XXXX Bank Account I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide by " Certified Mail '' with receipt displaying my signature. I am requesting that they send me the original purchase agreement, signed credit application, all monthly billing statements, debt validation letter, the charge off statement, all assignments and transfer agreements If not please delete account # XXXX as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
I disputed an inaccurate collection account ( XXXX XXXX XXXX ) with Equifax. They responded by claiming it was verified but failed to provide any proof of verification as required under FCRA Section 611.

This prevents me from properly validating the debt and correcting inaccurate information on my report. I have since sent a Method of Verification ( MOV ) request but want to document the lack of compliance and the harm to my ability to meet urgent financial deadlines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am filing this complaint against GM Financial for unlawful repossession and unauthorized sale of my vehicle. 

I entered into a closed-end lease agreement with GM Financial XXXX which constituted valid consideration and fully satisfied the transaction under UCC Article XXXX and common law contract principles. 

Despite my fulfillment of obligations, GM Financial unlawfully repossessed my vehicle without proving lawful default. Subsequently, GM Financial sold my vehicle without providing any required notice of the date, time, location, or method of the sale, as mandated by UCC 9-611 and applicable state law. 

Their actions constitute : Failure to provide mandatory pre-sale notice ; Wrongful repossession in absence of lawful default ; Fraudulent conversion and unauthorized sale of property ; Violation of consumer protection laws, resulting in financial and emotional damages. 

I have sent them an affidavit and they have also failed to rebut it confirming their guilt. A unrebutted affidavit stands as truth. I intend to allow them the opportunity to cure this matter within 10 days otherwise I will be filing a commercial lien against GM Financial. My ALL CAPS name ( corporation ) has been trademarked and put on public record at the XXXX XXXX Register of deeds owned by XXXX XXXX Irrevocable Trust. 

In addition to the wrongful repossession and failure to provide pre-sale notice, I discovered that GM Financial failed to disclose material facts about the transaction. Specifically, the closed-end lease agreement I signed served as the actual consideration and was monetized by GM Financial without informing me. 

They acted merely as exchange agents, enriching themselves by both selling the original instrument and collecting 28 of 36 payments thereafter. 

XXXX XXXX practices constitute violations of the Truth in Lending Act ( TILA ), unjust enrichment, constructive fraud, breach of fiduciary duty, and abusive lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally lodge a complaint and demand immediate action regarding my repeated requests for my full LexisNexis Consumer Disclosure Report.

I first requested my report over three months ago. Despite multiple follow-ups, I have not received proper access. Most recently, I was mailed a letter containing a link and PIN to access the report online ; however, the PIN provided is invalid. This has caused me unnecessary delay, frustration, and concern over what information you are maintaining about me. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to obtain my full consumer disclosure report from LexisNexis in a timely and accurate manner. Your company 's failure to provide me with proper access after numerous requests is unacceptable and appears to be in violation of my rights. 

I demand that LexisNexis immediately provide me, by mail or secure email, a complete and unredacted copy of my Consumer Disclosure Report without further obstacles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief