vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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:
Subject : Identity Theft Dispute and Request for Immediate Block under FCRA 605B / 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute fraudulent information appearing on my Equifax credit report pursuant to 15 U.S.C. 1681c-2, and to request that the following account and credit inquiries be blocked immediately. I have enclosed my official FTC Identity Theft Report ( Report Number : XXXX ) declaring that I am a victim of identity theft, under penalty of perjury. 

Fraudulent Account to Be Blocked : Creditor : Lendbuzz Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX Reported By : Equifax Status : Closed / Chargeoff / Derogatory Remarks : Charged off as bad debt ; Profit and loss write-off This account was opened without my knowledge or consent. I have no business relationship with XXXX, never applied for this loan, and never authorized the use of my personal information. 

Fraudulent Credit Inquiries to Be Removed from Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Under the Fair Credit Reporting Act, specifically FCRA 605B and 15 U.S.C. 1681c-2, you are legally obligated to block fraudulent accounts and inquiries from my credit file within XXXX ( XXXX ) business days of receiving my identity theft report. This block must remain for a minimum of XXXX year, with the right to extend it if necessary. 
Furthermore, the continued reporting of these items without permissible purpose and without my consent is a violation of : 15 U.S.C. 1681b ( 2 ) Unauthorized access and use of my consumer report 15 U.S.C. 1681a ( 4 ) Violation of privacy rights Despite my previous attempts to resolve this matter through phone calls and informal requests, no corrective action has been taken by Equifax. This ongoing reporting of fraudulent data is directly harming my creditworthiness and impeding my ability to secure housing for my family.

RESOLUTION DEMANDED : Permanently DELETE AND BLOCK the fraudulent Lendbuzz account from my Equifax report.

REMOVE all fraudulent credit inquiries listed above from my Equifax file.

Send written confirmation of these actions in accordance with FCRA requirements. 


Please find attached all necessary documentation to support this request, including my FTC Identity Theft Report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MN

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX GA XXXX INQUIRIES : XXXX Date : XX/XX/year>

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 2025-06-17 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX and in reference to potential noncompliance with the Metro 2 reporting standard. 

I have previously disputed the negative reporting of late payments by XXXX and XXXX on my credit report. The credit bureaus failed to provide me with any adequate documentation that proves the accuracy, completeness, or verifiability of these accounts, including full payment records and a Metro 2compliant audit trail. 

These accounts are continuing to harm my creditworthiness and limit my ability to qualify for essential financing. According to FCRA, if the furnisher or bureau can not verify the completeness or accuracy of the data, it must be deleted. 

Accounts in question : - XXXX Any and all accounts associated with XXXX XXXX XXXX Any and all accounts associated with XXXX I am requesting : 1. Full documentation of the alleged delinquencies, including payment ledgers. 
2. A Metro 2 compliance audit for the data furnished.

3. Immediate removal of all unverified, outdated, or incorrect data associated with these accounts. 

Furthermore, I am aware of the CFPBs XX/XX/XXXX lawsuit against Experian, in which the agency alleges Experian conducted sham investigations routinely accepting furnishers unverified responses, failing to inform consumers of the outcomes, and reinserting previously deleted tradelines in violation of FCRA and CFPA requirements. Accordingly, I request a thorough, good faith reinvestigation of the accounts I dispute including full Metro2 compliance documentation, clear communication of your findings, and a commitment that no previously unverified data will be reinserted. 

Sincerely, 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 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am filing a complaint against PNC XXXX XXXX XXXX XXXX XXXX regarding * * two disputed charges * * : one for * * \ {$660.00} * * and another for * * \ {$55.00} * *, both related to * * XXXX toll transactions * *. These charges were billed through XXXX XXXX and posted to my PNC account in error. 

Since * * XX/XX/year> * *, I have made numerous attempts to resolve persistent toll billing errors involving * * XXXX * * and * * XXXX XXXX * *. Despite fully complying with every resolution step suggestedincluding switching vehicles, updating license plate info, and registering my personal transponderI continued to be billed incorrectly. 

These charges occurred because the toll system defaulted to * * license plate recognition * * instead of my registered * * XXXX transponder * *, leading to inflated toll costs and compounding administrative fees from XXXX. What in come cases should have been a \ {$1.00} toll ballooned into \ $ XXXX per transaction, multiplied across * * XXXX trips per day, 7 days a week * *. Ive consistently paid XXXX over * * \ {$400.00} per week * *, never failing to cover my responsibilities, yet these excess toll charges were completely unjustified. 

I have communicated with both * * XXXX and XXXX XXXX * * repeatedly for months, and finally had to dispute the charges with * * PNC Bank * * and also with * * XXXX * *. However, PNC ruled in the merchant 's favor despite the overwhelming evidence of proof of my active XXXX account ( XXXX - XX/XX/year> statements ) where I was billed for many transactions, and the financial impact. I was not given a fair opportunity to appeal, and I believe the investigation was mishandled. 

These unresolved charges forced me to return my rental vehicle, which was essential for my transportation business, as well as life coaching business. I now have * * no source of income * *, and my family is in an economic crisis. 

Our situation has worsened to the point where : * My * * electricity is at risk of being shut off * * * My * * PNC account is now negative \ {$1000.00} * *, and I have * * no way to pay it * * * I am able to pay the loan I took out of {$220.00} with XXXX to pay a portion of my electricity bill. We still owe {$130.00} on it. 
* A * * credit card payment was returned * * due to insufficient funds * I used my last {$56.00} to pay on another credit card. 
* My * * husband is struggling to cover bills alone * *, and we are uncertain how well pay next months rent * My * * twins are unable to participate in their teenage functions * * * Our * * quality of life has deteriorated rapidly * * I have done everything in my power to resolve this issue responsibly, including paying the {$33.00} fee to stop XXXX toll transactions that have managed to continually be charged to my account after the paying the fee as suggested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$32000.00}

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 2025-06-17 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:
I am formally challenging the accuracy, validity, and legal basis of the information currently appearing on my credit report. This includesbut is not limited toinaccurate personal information, unverifiable accounts, unlawful inquiries, and derogatory data that has been reported without proper evidence or permissible purpose. 

Under the Fair Credit Reporting Act ( FCRA ) XXXXi ( a ), and as required by the Metro 2 Compliance Standard, you are legally obligated to maintain accurate, complete, and verifiable information. Any failure to do so constitutes willful noncompliance, which I do not take lightly. 

I am demanding : A full investigation into all the disputed items listed below Physical documentation proving permissible purpose, consumer consent, and lawful reporting Permanent deletion of any item that can not be verified to the standard of maximum possible accuracy An updated copy of my credit report once corrections are completed If you can not provide physical and verifiable proof, you must DELETE these items immediately to avoid further legal exposure. 

Disputed Personal Information : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public Record ( Must Be Removed ) : XXXX XXXX XXXX Disputed Inquiries ( No Permissible Purpose ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required by law to complete your investigation within 30 days of receipt of this letter and provide the results in writing. I expect your full compliance and a complete response outlining actions taken, along with a clean copy of my updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: GA

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 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 2025-06-17 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: GA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
TransUnion XXXX. XXXXXXXX XXXX XXXXXXXX PA XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF ILLEGAL REINSERTION FCRA VIOLATION FINAL NOTICE BEFORE LEGAL ACTION I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused 1 of 3 me to lose thousands of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1.

2.

Obtain a certification of accuracy from the furnisher of the information Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither.

This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm I am demanding the following, effective IMMEDIATELY : 1.

2.

3.

Permanent deletion of the reinserted account A written explanation of why this account was reinserted without proper certification and without notice to me Certified proof of compliance with FCRA 1681i ( a ) ( 5 ) ( B ) I am fully prepared to take aggressive legal action if you do not comply.

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 2025-06-17 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: FL

Complaint narrative:
Consumer Financial Protection Bureau P.O. Box 27170 Washington, D.C. 20038 Subject : Formal Complaint and Dispute Regarding MOHELAs Handling of My Student Loan Account To Whom It May Concern, I am writing to file a formal complaint and dispute with the Consumer Financial Protection Bureau ( CFPB ) concerning the Missouri Higher Education Loan Authority ( MOHELA ) and their handling of my federal student loan account. 

I believe MOHELA has engaged in deceptive and unlawful practices consistent with the allegations presented in a recent lawsuit against them. Specifically, I have experienced the following issues : Interest Charges During Forbearance : My loans were placed in a forbearance status, during which time interest was still improperly accruing. I was led to believe interest would be paused, yet my balance increased without explanation. 

Inaccurate Loan Balance Reporting : MOHELA has reported inaccurate balances that do not align with the payments I have made or the periods of deferment/forbearance. These errors raise serious concerns about the integrity of their loan servicing and accounting practices. 

Lack of Transparency and Communication : Despite numerous attempts to receive clarification, MOHELA has failed to provide accurate or timely responses. The account statements lack clarity, and I have not received adequate justification for the balance discrepancies or interest accrual. 

Given that MOHELA is currently involved in legal action regarding similar issues affecting other borrowers, I am deeply concerned that I am a victim of these systemic misrepresentations. I request the CFPB to : Investigate MOHELAs servicing practices with respect to my account.

Require MOHELA to provide a detailed, itemized breakdown of all charges, payments, and interest accrual. 

Correct any inaccuracies in my loan balance and reverse improper interest charges. 

Hold MOHELA accountable for any confirmed deceptive or illegal servicing conduct.

Company response to consumer: Closed with explanation