vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
Summary of Complaint : I am filing this complaint against Equifax Information Services LLC for failing to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX standards, and UDAAP protections under the Dodd-Frank Act, in connection with their handling of a credit dispute involving the XXXX XXXX XXXX XXXX XXXX Despite submitting a formal dispute ( first on [ insert original date ] and again on [ insert second date ] ), Equifax : XXXX. Failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ).

2. Did not provide any evidence or documentation supporting the accounts accuracy, in violation of FCRA 609 ( a ) ( 1 ).

3. Did not disclose the method of verification, as required under FCRA 611 ( a ) ( 7 ). 
XXXX. Continues to report multiple technical errors in violation of XXXX XXXX guidelines, including : o Contradictory payment and charge-off data ( XXXX XXXX, XXXX, XXXX ) o Incorrect account type ( XXXX  XXXX ) o Missing monthly payment history XXXX. Failed to mark the account as disputed, which is a direct violation of FCRA 623 ( a ) ( XXXX ) and materially impacts my creditworthiness. 
XXXX. Used automated systems ( e-OSCAR ) without human review, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Engaged in a deceptive and abusive practice by claiming the account was verified, without providing any proof or actual validation a violation of UDAAP 12 U.S.C. 5531.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-19 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: CA

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely 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 2025-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: LA

Complaint narrative:
Loancare was sold my loan back in XXXX of 2022. When my loan was sold to them, I was under a forbearance with XXXX mortgage, due to job loss with XXXX they assured me that I would still be under the forbearance until I was able to start back making my monthly payments. I came out of the forbearance due to it ending around 6-7 months later. Loancare than took my interest rate and raised it by 3 percent and did a partial claim for an additional 10 years of my loan. I spoke with them and told them that was unaffordable in which I was told that I had to sign the documents, or I would have to pay the total amount due for the missed payments while on the forbearance plan. After signing the documents, I told them that I needed additional assistance, one rep told me to fill out another application because my insurance was not factor into the loss mitigation process so the next month my note went up XXXX more dollars. I was then told that I could not move forward with the new application because the actual lender had not signed off on the documents that was originally sent in by me. After over a year of waiting I was protected by the open case, so no foreclosure was in place. Out of nowhere this XXXX I was told that my home was being put up for foreclosure, I submitted another application and now Loancare is trying to make me sign another agreement with a 7.1 interest rate and all sorts of fees attached with a 50 year mortgage. They completely rewrote all terms of my loan while I was in a desperate situation to secure my own, taking advantage of 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 explanation
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which EXPERIAN has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-05-19 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: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-19 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: GA

Complaint narrative:
I disputed this information several time, only to have it removed and later reapplied to my credit report. The said items on my credit report are the items that I'm asking to be removed, due to the CRA 's violating several of my consumer rights, by not providing me with a contract between myself and the CRA 's, my rights to privacy, and by not actually investigating the validity of the mentioned accounts.In XXXX XXXX XXXX, Equifax had a lawsuit filed against them for unethical practices ; failing to properly conduct investigations into consumers disputes to assure its accuracy of the information, which lead to inaccurate information and errors being reported on consumer credit reports, which resulted in consumers being denied credit or unfair credit worthiness reported.I ask that the mentioned accounts are permanently removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-19 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:
I disputed this information several time, only to have it removed and later reapplied to my credit report. The said items on my credit report are the items that I'm asking to be removed, due to the CRA 's violating several of my consumer rights, by not providing me with a contract between myself and the CRA 's, my rights to privacy, and by not actually investigating the validity of the mentioned accounts.In XXXX XXXX XXXX, Equifax had a lawsuit filed against them for unethical practices ; failing to properly conduct investigations into consumers disputes to assure its accuracy of the information, which lead to inaccurate information and errors being reported on consumer credit reports, which resulted in consumers being denied credit or unfair credit worthiness reported.I ask that the mentioned accounts are permanently removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-19 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: GA

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

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 2025-05-19 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent inquires on my credit report. Please remove these inquires from my credit because it affecting my credit. 

Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX- XX/XX/year> XXXX XXXX XXXX- XX/XX/year> 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 2025-05-19 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 2025-05-19 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
lm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The date of birth listed on my Equifax credit report is incorrect. It currently shows XX/XX/XXXX, but my correct date of birth is XX/XX/XXXX. I have submitted valid documentation to Equifax, including my government-issued ID, clearly showing the correct date of birth. 

Despite my efforts to dispute and correct this error, Equifax has not updated my report. This inaccuracy may negatively affect my credit applications and identity verification processes. I am requesting that Equifax correct my date of birth, update my credit report, and notify any parties who may have received the inaccurate information. I believe this issue violates my rights under the Fair Credit Reporting Act ( FCRA ), and I am seeking assistance from the CFPB to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: IN

Complaint narrative:
I am a former student of XXXX XXXX. 

As of XX/XX/year>, the Department of Education discharged all of my loans ( along with approximately XXXX other former students ), yet my current loan servicer, Mohela, is refusing to acknowledge the discharge and is only telling me they can't do anything as they have not received notice. 

I have reached out to Federal Student Loans as well as Mohela to attempt to correct this, but have only been told there is nothing they can do. My credit recently dropped XXXX points due to Mohela reporting a loan as past due, despite the loan being discharged. 

I am attempting every avenue now to have my account shown as discharged through Mohela and have my credit repaired from their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$0.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$300.00} Fraudulent Mobile Phone Account Company or Organization : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} XXXXudulent Auto Loan or Lease Company or Organization : XXXX  Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was charged off on the following date of XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX account # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. These inquiries were not initiated by me and occurred during a period when my credit file was unfortunately left unlocked due to an oversight. 

Below are the details of the disputed inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> I did not authorize or initiate any credit applications with these institutions on or around the above dates. These inquiries are the result of fraudulent activity and should be removed immediately from my credit report to correct the inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and permanently deleted from my file. I have also taken steps to secure my credit profile and filed reports with the appropriate authorities regarding this unauthorized activity. 

Please confirm in writing that you have received this dispute and provide a timeline for your investigation. If you need any additional information from me to complete this request, do not hesitate to reach out. 

Thank you for your prompt attention to this matter.

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