vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : Subject : Dispute of Inaccurate Credit Reporting Related to Student Loan IDR Application Pending Account Number : XXXX I am writing to formally dispute a XXXX late payment reported on my credit reports by XXXX related to my federal student loan account, while my Income-Driven Repayment ( IDR ) application was pending review. 

I submitted a complete IDR application on XX/XX/XXXX and I have email confirmations from your office confirming receipt. Per the U.S. Department of Education 's guidance, loan servicers are instructed not to report negative credit activity such as delinquencies while an IDR application is in processing. Your office stated that applications can take up to 90 days to process, during which time I remained in good faith contact and compliance.

The reporting of this delinquency is inaccurate, unfair, and potentially unlawful under the following federal statutes and guidelines : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Furnishers of credit information are required to report accurate and complete data. Reporting a borrower as 90 days late during an active review period of an IDR application, despite evidence of compliance, may constitute inaccurate reporting under this law.

Higher Education Act of 1965 20 U.S.C. 1087e : This law, which governs federal student loans, requires loan servicers to adhere to the policies set forth by the U.S. Department of Education, including those surrounding IDR applications and credit reporting practices.

U.S. Department of Education Guidance to Servicers : The Departments non-regulatory guidance instructs that borrowers who have applied for IDR and are within the processing window should not be reported as delinquent.

I respectfully request that you : Immediately correct the inaccurate late payment information with all three major credit bureaus ( Equifax, XXXX, and XXXX ) ; Send me written confirmation of the corrections made ; Provide a written explanation of the steps taken to prevent further inaccurate reporting while my IDR status is finalized.

Attached are copies of the relevant email communications confirming the receipt of my IDR application, along with any other supporting documentation.

Thank you for your prompt attention to this matter. Please contact me directly if additional documentation is required. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : Subject : Dispute of Inaccurate Credit Reporting Related to Student Loan IDR Application Pending Account Number : XXXX I am writing to formally dispute a XXXX late payment reported on my credit reports by XXXX related to my federal student loan account, while my Income-Driven Repayment ( IDR ) application was pending review. 

I submitted a complete IDR application on XX/XX/XXXX and I have email confirmations from your office confirming receipt. Per the U.S. Department of Education 's guidance, loan servicers are instructed not to report negative credit activity such as delinquencies while an IDR application is in processing. Your office stated that applications can take up to 90 days to process, during which time I remained in good faith contact and compliance.

The reporting of this delinquency is inaccurate, unfair, and potentially unlawful under the following federal statutes and guidelines : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Furnishers of credit information are required to report accurate and complete data. Reporting a borrower as 90 days late during an active review period of an IDR application, despite evidence of compliance, may constitute inaccurate reporting under this law.

Higher Education Act of 1965 20 U.S.C. 1087e : This law, which governs federal student loans, requires loan servicers to adhere to the policies set forth by the U.S. Department of Education, including those surrounding IDR applications and credit reporting practices.

U.S. Department of Education Guidance to Servicers : The Departments non-regulatory guidance instructs that borrowers who have applied for IDR and are within the processing window should not be reported as delinquent.

I respectfully request that you : Immediately correct the inaccurate late payment information with all three major credit bureaus ( Equifax, Experian, and TransUnion ) ; Send me written confirmation of the corrections made ; Provide a written explanation of the steps taken to prevent further inaccurate reporting while my IDR status is finalized.

Attached are copies of the relevant email communications confirming the receipt of my IDR application, along with any other supporting documentation.

Thank you for your prompt attention to this matter. Please contact me directly if additional documentation is required. 

Sincerely, 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : Subject : Dispute of Inaccurate Credit Reporting Related to Student Loan IDR Application Pending Account Number : XXXX I am writing to formally dispute a 90-day late payment reported on my credit reports by Mohela related to my federal student loan account, while my Income-Driven Repayment ( IDR ) application was pending review. 

I submitted a complete IDR application on XX/XX/XXXX and I have email confirmations from your office confirming receipt. Per the U.S. Department of Education 's guidance, loan servicers are instructed not to report negative credit activity such as delinquencies while an IDR application is in processing. Your office stated that applications can take up to 90 days to process, during which time I remained in good faith contact and compliance.

The reporting of this delinquency is inaccurate, unfair, and potentially unlawful under the following federal statutes and guidelines : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) : Furnishers of credit information are required to report accurate and complete data. Reporting a borrower as 90 days late during an active review period of an IDR application, despite evidence of compliance, may constitute inaccurate reporting under this law.

Higher Education Act of 1965 20 U.S.C. 1087e : This law, which governs federal student loans, requires loan servicers to adhere to the policies set forth by the U.S. Department of Education, including those surrounding IDR applications and credit reporting practices.

U.S. Department of Education Guidance to Servicers : The Departments non-regulatory guidance instructs that borrowers who have applied for IDR and are within the processing window should not be reported as delinquent.

I respectfully request that you : Immediately correct the inaccurate late payment information with all three major credit bureaus XXXX XXXX Experian, and XXXX  ) ; Send me written confirmation of the corrections made ; Provide a written explanation of the steps taken to prevent further inaccurate reporting while my IDR status is finalized. 
Attached are copies of the relevant email communications confirming the receipt of my IDR application, along with any other supporting documentation.

Thank you for your prompt attention to this matter. Please contact me directly if additional documentation is required. 

Sincerely, 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 2025-05-09 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: FL

Complaint narrative:
CFPB Complaint Unauthorized or Unverified Hard Inquiries Reported on Credit File Complainant : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Date of Birth : XX/XX/XXXX Credit Bureaus Involved : Experian and Equifax Complaint Filed Against : Multiple furnishers ( listed below ) Complaint Summary : I, XXXX XXXX XXXX XXXX XXXX, am filing a formal dispute regarding a series of hard inquiries appearing on my credit file without my knowledge or valid written authorization. These inquiries were listed on my credit report from Equifax and Experian and were not initiated by me knowingly, nor did I authorize credit applications with many of these companies.

According to 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report with the consumers permission or in connection with a credit transaction initiated by the consumer. 

List of Disputed Inquiries : On Experian : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX On Equifax : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FCRA Violations Cited : 15 U.S.C. 1681b ( f ) : States that no person shall obtain a consumer report unless it is obtained for a permissible purpose and with proper authority.

15 U.S.C. 1681b ( c ) : Inquiries must be made with the explicit authorization of the consumer, or must be related to a transaction the consumer initiated.

If these inquiries were not initiated with my knowledge or valid consent, they are being reported in violation of my rights under the FCRA and must be immediately removed.

Requested Action : Conduct a full investigation into each of the inquiries listed above with the data furnishers ( creditors ).

Require each creditor to provide verifiable proof that I granted explicit written authorization for the inquiry, as required by FCRA 1681b ( c ).

If no such documentation can be provided, I request the immediate removal of each unauthorized inquiry from my Experian and Equifax credit files.

Instruct the bureaus to update my file and send corrected reports to all parties who may have accessed the erroneous data.

Supporting Documentation : Full credit report sections showing the inquiries Copy of my valid Florida Drivers License ( for identity verification ) Social Security card Address Validation Invoice I respectfully request that the CFPB enforce my rights under the FCRA and compel the immediate deletion of these inquiries if the furnishers can not validate them. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, I consulted with XXXX regarding treatment services and was subsequently approved for a credit card through XXXX XXXX. The total amount financed was {$3600.00}. I was informed that monthly payments of {$150.00} would be automatically withdrawn to repay the balance over a two-year period, with the understanding that the account would be paid in full within that time. 

By XX/XX/XXXX the XXXX month of payments I should have paid a total of {$3400.00}. However, I was surprised to see an outstanding balance of {$190.00} for that time, which did not align with the agreed payment structure. Additionally, I was recently notified that interest charges totaling {$1700.00} were added to the account, bringing the current balance to {$1700.00} This outcome is extremely concerning, as I was under the impression that the monthly payments would satisfy the full loan amount over the agreed term without accruing such interest. I am unable to pay this unexpected balance and request a thorough review and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX  - XXXX * * * * Under XXXX XXXX XXXX ( b ) ( XXXX ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues. 
I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under XXXX XXXX XXXX ( d ) and XXXX XXXX XXXX ( a ) ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately XXXX the fraudulent and unauthorized accounts and hard inquiries listed below from my consumer credit file within XXXX business days of receiving this complaint. In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I am also disputing the accuracy of these items and demanding a complete reinvestigation as required by law. 

The fraudulent accounts currently being reported include : A collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$670.00} In addition to the accounts above, the following unauthorized hard inquiries have been made to my Equifax credit file without my knowledge or consent and must be removed : XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to FCRA XXXX XXXX, I also request that Equifax provide full documentation of its reinvestigation process, including the method of verification and physical proof relied upon to validate these items. If such documentation can not be produced, these accounts and inquiries constitute XXXX XXXX fraudulent reporting and must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
Tele Recovery is reporting a collection account without providing the last payment date, payment breakdown, or itemized charges. I never received a written validation letter as required under the FDCPA. 

XXXX has verified this account without confirming whether Tele Recovery legally owns the debt or has any documentation linking it to me. This is a clear FCRA and FDCPA violation. If this is not resolved, I am prepared to take legal 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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER XXXX XXXX XXXX XXXX XXXX, XXXX Dear Caine & Weiner, I am writing to formally request validation of the debt referenced in your recent communication. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of the alleged debt you claim I owe. 

Please provide the following documentation : 1. The exact amount of the debt.

2. The name and contact of the original creditor.

3. Documentation proving my obligation to pay the debt.

4. A full itemized account history showing any prior payments and the current balance. 

Until you provide full validation, I dispute the validity of this debt and request that all collection efforts cease. I also request that this account not be reported to any credit bureaus or be immediately removed if already reported, in accordance with federal law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt an 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 account # XXXX as soon as possible from my credit report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding accounts that do not belong to me and requested full validation per XXXX XXXX XXXX ( a ) of the FCRA. I also requested proof of proper XXXX XXXX compliance and a certified copy of any signed agreement or mailed notification as required under FDCPA XXXX. To date, I have not received a response with documentation supporting the reporting of these accounts. The bureau either failed to investigate or verified unverifiable information without providing evidence, violating my consumer rights.

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 2025-05-09 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-09 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I noticed that some of my personal information on my credit report is incorrect, and I need it fixed as soon as possible. This includes details like my name, address, or other identifying information that are either outdated or just plain wrong. Im not sure how the mistake happened, but its important that everything on my report accurately reflects my identity.

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