vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: MD

Complaint narrative:
Subject : Formal Complaint Against Equifax and XXXX for FCRA Violations and Failure to Remove Inaccurate Information Dear CFPB Representative, I am filing a complaint against Equifax and its subsidiary, XXXX, for multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) regarding their failure to remove inaccurate and outdated information from my credit report. Despite my repeated disputes, Equifax and XXXX have failed to comply with federal law and have continuously given me the runaround, causing me unnecessary stress and financial harm. 



Violations and Issues : XXXX. Failure to Remove Inaccurate and Outdated Information Equifax and XXXX are reporting a charge-off from a company that I previously settled in full ( Loans til Payday ). However, they refuse to remove this item, despite my proof of payment. 

Under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable investigation and remove inaccurate, outdated, or unverifiable information within 30 days of a dispute. They have failed to do so. 

They have also refused to remove other inaccurate information that is harming my credit profile. 

XXXX. Obstruction of My Rights to Dispute and Review My Report Equifax has actively prevented me from accessing my credit report by locking me out of my account, violating 15 U.S.C. 1681g, which guarantees consumers the right to obtain their credit reports annually.

When I submitted a dispute via certified mail, they responded with a claim that my paperwork was illegible, despite my ensuring the documents were clear and legible. This appears to be a deliberate delay tactic. 

They have consistently forced me to resend the same dispute information multiple times without resolution. 

XXXX. XXXX Non-Compliance and Ownership by Equifax XXXX, owned by Equifax, is also refusing to remove this charge-off and other inaccurate information from my file. 

Under 15 U.S.C. 1681b, Equifax and XXXX are obligated to ensure accurate reporting, yet they continue to maintain false information despite multiple disputes. 

The fact that Equifax owns XXXX raises concerns of willful non-compliance and conflict of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: AL

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failure to properly investigate consumer disputes, leading to legal action for FCRA violations. This ongoing pattern of noncompliance is unacceptable, and I will not allow my credit profile to be affected by Equifaxs negligence. 

The following accounts require immediate review and correction : Charge Off ( Equifax ) XXXX XXXX - Account XXXX XXXX XXXX XXXX Balance : {$4100.00} Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a legitimate reinvestigation of all disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted. These inaccuracies are actively damaging my financial standing, and I demand immediate corrective action. Failure to act promptly will not be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from XXXX XXXX XXXX for an alleged debt originally from XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Impossible " Date Opened '' ( FCRA 609 Violation ) The collection account is reported with a future date ( XX/XX/XXXX ), which is impossible and a direct violation of the FCRA 's accuracy requirements. 
This false reporting is damaging my creditworthiness. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Last Reported Date '' ( XX/XX/XXXX ) has been fraudulently updated to make the debt appear newer. 
Credit bureaus must not allow this illegal practice, and this account should be immediately deleted.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is both a charge-off and a collection, which is false and misleading.

A charge-off account can not be reported as a new collection, making this an illegal double-reporting violation. Misclassified Account Type ( FCRA 607 ( b ) ) The accou
nt is reported as an " Open Account '', even though it is a collection.

This inflates my credit utilization and misrepresents my debt obligations.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide legal validation of this debt, including : A signed original contract An itemized breakdown of how the debt was calculated Proof that XXXX XXXX XXXX has the legal right to collect this debt If this can not be provided, this account must be deleted immediately under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I tried to deposit a check through their application. I tried to take in account that I was using an old, cracked TracPhone. But the application said it it didn't go through. Then I got conflicting information saying that that my check would and wouldn't go through., including a text saying it would. I finally spoke to a supervisor and she said it might not be paid. This was my social security check, so I called the social security office. There was nothing amiss there. Then I got an email saying I have conflicting information and my check would be put on an extended hold because I have conflicting information.I tried to deposit the check a few times and they admit it Meanwhile, my bills aren't getting paid and I am not getting money into my account.

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 2025-03-22 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXXXXXX 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 2025-03-21 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: DE

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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 do not recognize the addresses, names and phone numbers on my report I would like them removed. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Spouse 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 2025-03-22 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: TX

Complaint narrative:
I am extremely disappointed and frustrated to find that my report contains multiple errors that are significantly lowering my scores. These inaccuracies have made it difficult for me to move forward, creating financial obstacles that should not exist. It is unfair that I am being held back due to misinformation that I had no part in.

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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. XXXX I want the CFPB to publish this. 

inaccurate accounts : 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 2025-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I never received any communication about this debt which isnt accurate my XXXX  account is paid in full monthly it was added to my credit report erroneously

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
Complaint : I am filing this complaint because Equifax is reporting late payments on my credit report for accounts where I have never been late. I have submitted formal disputes and provided supporting documentation, but Equifax has not corrected these errors.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is legally obligated to conduct a reasonable investigation within 30 days of receiving a dispute and must delete or correct any information that is inaccurate or can not be verified. Furthermore, 15 U.S.C. 1681e ( b ) requires Equifax to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.

In addition, the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., aims to ensure that consumers are provided with accurate and clear credit terms. Inaccurate reporting of account historysuch as false late paymentscan interfere with a consumers ability to understand and manage their credit obligations and terms, which may be a violation of TILA as well.

Equifaxs failure to correct these false late payments is a violation of federal law and is causing ongoing harm to my credit profile. Their inaction may also be considered an unfair practice under the Consumer Financial Protection Act ( CFPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding the unauthorized access and potential misuse of my federal student loan information. Recent reports indicate that XXXX XXXX and his Department of Government Efficiency ( DOGE ) team may have improperly accessed student loan borrower data, raising serious privacy and financial concerns. 

I have attached evidence supporting my claim, including : XXXX. Account Statements & Loan Servicer Records Documents showing discrepancies or unauthorized access to my loan information. 
XXXX. News Reports & Official Statements Articles detailing the allegations of unauthorized access. 
XXXX. Correspondence with My Loan Servicer Emails or messages confirming concerns about data privacy. 

I request the following actions : XXXX. A thorough investigation into how my student loan records may have been accessed or shared. 
XXXX. Confirmation of whether my personal financial data has been compromised. 
XXXX. Assurance that corrective measures are being taken to protect borrower information. 
XXXX. Legal action or penalties against any parties found responsible for unauthorized access. 

This issue is of great concern to me, and I appreciate your prompt response. Please confirm receipt of this complaint and inform me of any next steps I should take. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I'm currently working on obtaining my free annual credit reports from TransUnion, Equifax, and Experian, but I'm facing some challenges. I would appreciate your assistance in securing them. Thank you!

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested companies to remove fraudulent inquries 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 non-monetary relief
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I've noticed that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. I am a victim of identity theft, and my information was used without my consent. As a result, a fraudulent item is now showing on my report, one that I have no connection to. Following the proper steps, I filed a report with the Federal Trade Commission ( FTC ) as advised by Experian. Despite submitting the report, this fraudulent item remains on my credit report. This is extremely concerning and continues to cause me distress.

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 2025-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a XXXXmaterial alteration to the original contractXXXX 

According to the terms outlined in my promissory note, my loan was issued and administered by the XXXXU.S. Department of EducationXXXX XXXX Recent federal action has eliminated or reassigned the Departments responsibilities, with the XXXX XXXX XXXX ( XXXX ) ** now serving as the managing entity. 

This constitutes a XXXXsubstantial and unilateral alteration of the agreed-upon termsXXXX, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract. As such, I dispute the continued enforceability of this obligation under its current structure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, To whom this may concern, I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681o, consumer reporting agencies and entities that furnish inaccurate credit information may be held liable for willful or negligent noncompliance with the FCRA. The continued reporting of this inaccurate information is causing undue harm to my credit standing, and failure to correct it may result in legal action.

I request that the inaccurate information be removed or corrected immediately.

Please investigate this matter and provide written confirmation of the resolution. Under the FCRA, you are required to complete this investigation within 30 days. If this matter is not resolved appropriately, I will explore my legal options, including seeking damages for noncompliance. 

Thank you for your prompt attention to this matter. Please send a written response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: GA

Complaint narrative:
The personal details on my credit report are incorrect. I've attached my documents for you to update the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-03-21 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-03-21 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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