vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: IA

Complaint narrative:
On XX/XX/XXXX I received emails from all three credit bureaus stating that a hard inquiry had been initiated by XXXX XXXX as the result of a credit card application being applied for in my name. The next day, on XX/XX/XXXX, I called XXXX XXXX to see what was going on and told them I received an alert from all three credit bureaus that XXXX XXXX had initiated a hard inquiry in my name. I told XXXX XXXX that I did NOT fill out and send in an electronic credit card application. Together, we confirmed the information on the application was fraudulently done in my name and XXXX XXXX did mark the application as fraud and said they would contact the XXXX credit bureaus to let them know of the fraud so the credit bureaus could remove the hard inquiry from my credit report. Today, XXXX, XXXX I contacted XXXX XXXX to see if they had indeed contacted the XXXX credit bureaus to report the fraud. The representative in the application department confirmed that all three credit bureaus had been contacted on XX/XX/XXXX. However, as of XX/XX/XXXX the hard inquiry is still on all three credit bureau reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-20 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:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 am disputing several items currently being reported by Equifax that I believe are either inaccurate or unverifiable. Some accounts show late payments that do not match my records, and certain inquiries were made without my authorization or any legitimate business need as defined under FCRA 604.

I am requesting Equifax to verify all listed information directly with the furnishers and to provide documented proof of validation. If any information can not be fully verified with proper documentation, I request that it be promptly deleted from my report in accordance with FCRA 611 ( a ) ( 5 ).

Charged Off Accounts None reported at this time. 

Inquiries in Dispute XXXX, XX/XX/year> Unauthorized or unverified inquiry. Please provide proof of permissible purpose. 

XXXX, XX/XX/year> Unauthorized or unverified inquiry. Please provide proof of permissible purpose. 

Late Payment Accounts in Dispute Please reinvestigate and verify the following accounts for accuracy, completeness, and proper reporting : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting verification of all reported late payments. If Equifax can not confirm these with the original creditors, please remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-11-20 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 2025-11-20 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: GA

Complaint narrative:
I am writing to dispute the following accounts listed on my credit report under Equifax. The accounts listed below are being reported inaccurately and I request that they be investigated and removed, or corrected, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Momnt Technologies, Inc.
State: MN

Complaint narrative:
on XX/XX/year> I took out a {$5500.00} installment loan through Momnt Technologies to pay for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the clinic closed shortly afterward with no follow-up care, no support, and no opportunity to address the failed results. 

I also experienced a serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After the clinic closed without notice, I contacted Momnt to request a refund or cancellation of the loan because the treatment failed, caused a dangerous medical reaction, and the clinic disappeared before providing any follow-up care. Momnt told me they can not find the clinic and refused to process any refund or dispute, even though their own merchant agreement requires refunds when services are not delivered as promised or when consumers dispute the quality or performance of services. 

I am now being charged interest and required to make monthly payments for a procedure that failed, caused a medical complication, and came from a clinic that is no longer operating. Momnt did not provide any helpful information or solution. 

It is also important to note that Momnt has already received a large settlement/judgment in federal court related to these same clinics ( Momnt Technologies , Inc. XXXX XXXX XXXX XXXX XXXX XXXX ) for the exact type of issues consumers like me experienced : clinics closing, failed treatments, no refunds, and improper loan processing. Even after receiving that settlement, Momnt is still trying to collect the full loan amount and interest from me individually. 

I am requesting cancellation of the loan, removal of all interest and fees, and a refund of any payments made. I also request that no negative credit reporting occur during this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have a loan with XXXX XXXX XXXX I have lost my job due to the previous administration poor money management and lack of common cense XXXX XXXX XXXX XXXX, MI XXXX | ( XXXX ) XXXX Date Reported : XX/XX/XXXX | Balance : {$18000.00} Account NumbXXXX XXXX XXXX XXXX XXXX XXXXwner : Individual Account Credit Limit : | High Credit : {$17000.00} Loan/Account Type : Auto | Status : OvXXXX XXXX XXXXys Past Due Date Opened : XX/XX/XXXX Date of XXXX Delinquency : XX/XX/XXXX Terms Frequency : Monthly Date of Last Activity : Date Major Delinquency XXXX Reported : Months Reviewed : XXXX Scheduled Payment Amount : {$430.00} Amount Past Due : {$4600.00} Deferred Payment Start Date : Actual Payment Amount : {$0.00} Charge Off Amount : Balloon Payment Amount : Date of Last Payment : XX/XX/XXXX Date Closed : Balloon Payment Date : Term Duration : 72 Months Activity Designator : Narrative CoXXXX 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 2025-11-20 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: IN

Complaint narrative:
i recently check my credit report and i noticed i have some fraudulent account along with some inaccurate information in my credit report so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Failed to let me know that I owed them. I was told I wouldn't owe anything for 6 months after my daughter graduated. Apparently it was right when she graduated. The loan is now current. We made everything right accept they will not fix the late payments on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX Re : Account No. XXXX Source Receivables Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Debt Validation Request Under the Fair Debt Collection Practices Act ( FDCPA ) Dear Source Receivables Management, This letter is a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently received notice of an alleged debt that you claim I owe. Please be advised that I dispute this debt and request full validation.

Pursuant to my rights under federal law, please provide the following documentation : The complete account history, including the name and address of the original creditor, the amount of the alleged debt, and a detailed itemization of any interest, fees, or charges added.

A copy of any and all assignment or purchase contracts, including all documentation showing the chain of custody or transfer of the alleged debt from the original creditor to Source Receivables Management , LLC.

Verification that you are licensed to collect debts in my state, including your license number and the name of the state agency that issued it.

A copy of any signed agreement or document bearing my signature that allegedly created this obligation.

Proof that you have the legal right to collect this debt, including evidence of ownership or authorization from the current creditor.

Until you provide the requested documentation, you must cease all collection activities, including reporting this debt to any credit reporting agency XXXX XXXX XXXX XXXX XXXX XXXXr pursuing any further collection action.

If you have already reported this debt to any credit bureau, you are required to immediately inform them that the debt is in dispute. 
Please send all requested documentation to my address listed above. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I am submitting this complaint regarding the inaccuracies in my credit report. Below are the details of the accounts that I believe are reported incorrectly. These inaccuracies are affecting my credit score, and I am requesting immediate attention and correction from the credit reporting agencies involved. 

CHARGED-OFF ACCOUNTS : XXXX XXXX XXXX XXXXccount Number : XXXX Date Reported : XX/XX/XXXX Amount : {$2900.00} Dispute Reason : Inaccurate reporting, incomplete account information. 

CHILD SUPPORT ENFORCEMENT Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$3700.00} Dispute Reason : Inaccurate reporting, misreported as a credit account. 

XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$1300.00} Dispute Reason : Incorrect reporting of account status and balance. 

XXXX XXXXXXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Amount : {$1900.00} Dispute Reason : Inaccurate reporting of the account status and balance.

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 2025-11-20 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: IN

Complaint narrative:
i recently check my credit report and i noticed i have some fraudulent account along with some inaccurate information in my credit report so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by TransUnion. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 XXXXXXXX

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