vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I got a notification that my score had dropped XXXX due to a delinquent Account from the department of Education XXXX Account ( private ) status late 90 Days. Both these loans are paid In FULL. I have documentation which I will down load into the portal. I was never 90Days late. this has impacted my life greatly. this loans has been paid off. under Regulation Z ( Truth in Lending Act ). Lenders must disclose payment and payoff Under the Fair Credit Reporting Act ( FCRA ) : the loan servicer must report the debt as " paid in Full '' or " Settled ''. with in 30-45 days. Any continued reporting of an already paid- debt as " open '' or " delinquent '' is a violation. Statute of limitations on Collection once debt is paid you can not legally be collected again. If someone tries to re-collect a paid loan : it could violate the Fair Debt Collection Practices Act ( FDCPA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Formal Dispute Of Inaccurate Student Loan Reporting To whom it may concern, I am formally disputing the inaccurate reporting of Federal student loans on my credit report. the account falsely reflects payments being made for years, despite the fact that I have NEVER made a single payment. this constitutes williful misinterpretation and a violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate information. additionally, per 15 U.S.C 1681b, I am requesting full verification Equifax, Experian, and Transunion have which 100 % make these accounts accurate which makes me responsible for, due to each of them verifying these accounts as accurate. I am requesting the method of verification that was used to verify these accounts, also who did you interview? what did they say? what time did you speak? what date? what number did you call? also I am requesting the original promissory notes with my wet ink signature, a full payment history detailed where these alleged payments originated, and any contracts or agreements authorizing this reporting. Failture to provide these documents confirms that the information is unverifiable and must be removed per 15 U.S.C 1681 i ( a ) ( 5 ). if these accounts " DEPTEDXXXX XXXX  can not be verified with the requested documentation it must be deleted immediately. continued false reporting or payments extends the life of this account beyond legal reporting limits, violating the FCRA. please provide a resolution in writing within the legally required time frame.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
Subject : Formal Dispute Of Inaccurate Student Loan Reporting To whom it may concern, I am formally disputing the inaccurate reporting of Federal student loans on my credit report. the account falsely reflects payments being made for years, despite the fact that I have NEVER made a single payment. this constitutes williful misinterpretation and a violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furnishers to report accurate information. additionally, per 15 U.S.C 1681b, I am requesting full verification Equifax, Experian, and Transunion have which 100 % make these accounts accurate which makes me responsible for, due to each of them verifying these accounts as accurate. I am requesting the method of verification that was used to verify these accounts, also who did you interview? what did they say? what time did you speak? what date? what number did you call? also I am requesting the original promissory notes with my wet ink signature, a full payment history detailed where these alleged payments originated, and any contracts or agreements authorizing this reporting. Failture to provide these documents confirms that the information is unverifiable and must be removed per 15 U.S.C 1681 i ( a ) ( 5 ). if these accounts " DEPTEDXXXX XXXX  can not be verified with the requested documentation it must be deleted immediately. continued false reporting or payments extends the life of this account beyond legal reporting limits, violating the FCRA. please provide a resolution in writing within the legally required time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach 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 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 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc.
State: TX

Complaint narrative:
Please remove these unauthorized inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is reporting inaccurate previous addresses on my credit report, including XXXX XXXX XXXX XXXX XXXX, NC XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX. These addresses are either incomplete or erroneous, causing confusion and negatively impacting the accuracy of my credit profile. Accurate personal information is crucial for proper identity verification and credit decisions.

Under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of personal identifying information. The continued reporting of incorrect addresses indicates a failure to maintain this standard, potentially caused by a data breach or inadequate data handling. This undermines my ability to control and verify my credit information and exposes me to additional risk of financial harm.

Furthermore, 15 U.S.C. 1681i mandates TransUnion to conduct a reasonable reinvestigation within 30 days of my dispute. Given the critical nature of personal identifying information, TransUnion must act swiftly and thoroughly to correct or update these address errors to prevent further harm and misreporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 XXXXXX/XX/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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OR

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OR

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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
This company Midland Credit had been sending me threatening letters for an account that is not mine. I have requested they send me the original signed contract by mail four times. The only documentation this company has sent me has been old electronically printed bills. I would like this company to stop threatening me with law suits, and stop the collection of a false debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
In early XXXX I was alerted that my Credit score had decreased to the mid XXXX 's. I used a credit reporting portal to determine it was MOHELA, my student loan provider, reporting a nonpayment delinquency. I immediately logged into MOHELA and discovered that my auto-pay was terminated and that my account was delinquent. I immediately paid the past due amount and a little extra totaling {$2000.00}. I then called MOHELA the same day to enquire why my auto payment was canceled. I was informed by a Supervisor that it was an " internal server error '' and that she would put in a request to amend the report to the credit reporting agency. She said it would take some time to show up but if I didn't see anything in three weeks to call back. I also Reactivated my auto payment. 

Weeks went by and my credit report was still showing the delinquent reporting. I decided to call back with the intention of getting something in writing to expedite the process. ( I am in the middle of expanding my business and my credit is important for bank lending, so I am motivated. ) I was on hold for over 6 hours being transferred from person to person. I took screen shots of the time on my phone. I was transferred 3 times and spoke to 4 individuals at Mohela. I was made to retell the same story each time. The final " Supervisor '' I spoke to said that " it was determined that since " Autopay is a non standard payment method there would be nothing '' she could do. I once again explained the situation and that on a previous call another " Supervisor '' was able to see that it was an internal issue and not due to my negligence. She denied that her colleague could have determined what was spoken to me. I kept pushing back and this infuriated the Supervisor and I was put on hold for another 30 minutes. When she checked in to see twice if I had given up and had not, her tactic changed and she said that " Mohela does not do good faith credit amendment reporting '' and continued to insist that it was my fault for not checking that the funds were being transferred. to which I asked " what is the point of autopay if I have to check up on it every time?

Since I was tired of being lied to and gaslit I ended the phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have recently received a copy of my credit report and noticed more than several inaccuracies reporting to my credit report. Urgent Request for Investigation and Removal of Inaccurate/Fraudulent Information from Credit Report! 
These remarks and have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have recently received a copy of my credit report and noticed more than several inaccuracies reporting to my credit report. Urgent Request for Investigation and Removal of Inaccurate/Fraudulent Information from Credit Report! 
These remarks and have been detrimental to my life and credit health.

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