vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX 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/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-01 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information currently appearing on my Equifax credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. 
Specifically, my Equifax online profile for XXXX XXXX XXXX  XXXX displays " no data available '' for XX/XX/year> and XX/XX/year>. However, when I contacted an Equifax representative by phone, I was informed that these dates are marked as late payments in your internal system. This contradiction is not only confusing and misleading but constitutes an inaccurate representation of my payment history. 
Furthermore, I was advised by your agent that the only way to view the accurate reporting was by enrolling in a paid credit monitoring service or by signing up for XXXX XXXX. I chose to sign up for XXXX XXXX, and it still shows XX/XX/year> and XX/XX/year> as no data available, not late payments. This inconsistency has raised serious concerns about the accuracy and transparency of the data being reported about me. 
Under the FCRA, you are required to : Ensure that all information furnished is complete and accurate ( 15 U.S.C. 1681e ( b ) ).

Investigate and correct inaccurate or incomplete information within 30 days of receiving a consumer dispute ( 15 U.S.C. 1681i ( a ) ).

Disclose all the information in the consumers file upon request ( 15 U.S.C. 1681g ( a ) ).

Accordingly, I am requesting that you : 1. Immediately investigate and provide clarification on the status of XX/XX/year> and XX/XX/year>. 
2. Remove any inaccurate late payment entries if they are falsely being reported internally.

3. Provide me with written confirmation of the results of your investigation.

Please consider this letter a formal dispute under the Fair Credit Reporting Act. If these entries are not removed or corrected, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for failure to comply with FCRA obligations. 
Attached are copies of relevant screenshots from my online profile, my XXXX XXXX  report, and a record of my communication with Equifaxs agent. 
Thank you for your prompt attention to this matter. I look forward to your written response within the statutory timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
The Credit Bureaus is reporting Inaccurate information to my credit report and is hindering my financial ability. Under FCRA I ask that this be properly investigated and proof & findings of this investigation be mailed to me immediately along with proof of the investigation. also any information that can not be support with proof be corrected or deleted immediately.

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 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I am submitting this complaint to formally request an investigation into the lending practices of CashNetUSA regarding my Line of Credit account XXXX XXXX XXXX XXXX  ). I believe this company may be engaging in predatory lending, and I am deeply concerned about the significant discrepancy in the balance they claim I owe. 

I spoke with a CashNetUSA representative last week, and during that conversation, I was informed that my outstanding balance was around {$2400.00}. However, today, I received a email stating that the full balance due is now {$4000.00}. This increase in such a short time frame is both alarming and suspicious, especially since I have not taken any additional draws and was in the process of seeking funds to make a payment. 

It is unreasonable to believe that my balance could have jumped by more than {$1500.00} in a matter of days. This appears to reflect unfair, deceptive, or abusive acts or practices ( UDAAPs ) and fits the description of predatory lendinga pattern that includes excessive interest, fees, and practices that trap borrowers in cycles of debt. 

I also attempted to make a payment using an XXXX XXXX XXXX card number, and I was seeking funds to load onto that card. However, complications arose due to delays in receiving those funds. Still, I made every effort to communicate and resolve the matter with the lender. 

I respectfully request that the CFPB investigate this account, including : A breakdown of how this {$4000.00} balance was calculated, Whether interest or fees have been improperly or excessively added, Whether CashNetUSA is engaging in unlawful or deceptive practices in violation of federal lending regulations. 

Thank you for your time and for standing up for consumer rights. I would appreciate follow-up regarding the progress of this complaint. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
Details of Complaint : I am filing this complaint against Love, Beal, & Nixon and XXXX XXXX XXXX, who filed a garnishment affidavit with the XXXX XXXX XXXX XXXX XXXX without providing me with any summons, notice, or opportunity to dispute the claim. 

On XX/XX/year>, XXXX  was withdrawn from my personal checking account by cashiers check at the request of this law firm, leaving my balance at XXXX I was never served any documents or informed that a garnishment had been initiated. This action caused severe financial hardship and left me unable to meet basic living needs. 

I believe this garnishment : Violated Oklahoma garnishment procedures ( which limit XXXX to a percentage of wages, not total funds in a checking account ), Violated due process, And potentially violated the Fair Debt Collection Practices Act by engaging in unfair or deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # XXXX ; XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( XXXX }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # XXXX ; XXXX file disputing the accuracy or completeness of the disputed information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
on XX/XX/XXXX I sent back statements showing several payments for my sparks capitol one credit card XXXX XXXX XXXX said account was accurate and left account as is also updated my report to show XX/XX/XXXX was 30 day late also which is not true I have print out from my capitol one acct of payment and my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX that are inaccurate and not properly verified i have disputed this directly with the credit bureaus and XXXX XXXX but the late payments remain without proper validation or documentation under 15 usc 1681 s 2 a XXXX XXXX must report accurate information under 15 usc 1681 I the credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: CL Holdings LLC
State: PA

Complaint narrative:
ACCORDING To Fair Credit Act Section 601 Say You Have the Right to Dispute Any Inaccurate Information from Your Credit Report on XX/XX/2025 A Debt Validation Was Send Here Is the XXXX XXXX XXXX Pursuant to 18USC8, I Owe no debt this company is violating my consumer right to privacy pursuant 15USC 1681b They also have no permissions to report ANYTHING using My Information Pursuant to 15USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX  Account number : XXXX. I have included screenshot inside this complaint in on dates of XXXX request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 

This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681s2 that you have the duty of furnishers of information to provide accurate information. Experian credit reporting agency is reporting a late payment that's appearing on my consumer credit report that is inaccurate information. I demand that this payments be updated to paid on time immediately within 4 business days of you receiving this complaint. It's illegal for you to report information with knowledge that this account information has errors. I have substantial doubts about the accuracy of the information Please update this account to PAID NEVER LATE.

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 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Subject : Complaint Against PenFed Credit Union for XXXX XXXX XXXX XXXX I am filing a complaint against PenFed Credit Union regarding my XXXX XXXX On XX/XX/scrub>/25, I logged into my account and found the loan past due by {$68.00}, despite autopay from another bank checking account I hold. PenFeds consolidated statement, which includes my checking and auto loan, does not provide the amount due or due date for the loan payment. This critical information is also absent from their online system, leaving me unable to verify payment details. This lack of disclosure likely violates Regulation Z ( TILA, 12 CFR 1026.7 ), which mandates clear periodic statements with the amount due and due date. The omission caused confusion and led to the delinquency. I request CFPB assistance to ensure PenFed updates their statements and online system to comply with federal 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 2025-05-01 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: GA

Complaint narrative:
This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX SSN : XXXX Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX; Under the Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX XXXX XXXX XXXX XXXX Under the Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). 

These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID XXXX Proof of Identity ) -Copy of XXXX XXXX ( Federal Trade Commission ) Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: MOHELA
State: CA

Complaint narrative:
i am writing toformally Dispute my federal student loans and request a full discharge due to a serious Beach of my personal and Financial Information.My Information way compromised without my authorizaion, which violates multiple fedreal laws designed to project student Records and personal Privacy. Unser these circumstances, i request the immediate cancellation and discharge of mystudent Loan debt in full, as my Rights have been severly violated. Below are the key reasons for my request, Violation of the Family Educational Rights and Privacy cat FERPA. My student Records were dicclosed without my content, protections. Beach of the Privacy cat of 1974. My personal and Financial Information way impropearly accessed and shared without my authorizaion and my Privacy Bright under federal Law. Violation of the higher Education cat, As a student Loan borrower, my Information shoul have been protected, but the mishandling of my Data demonstrates a failure to uphhold these Legal Protections, Beach of contract and negligence, The entity responsible for safeguarding my Data Bailey to do so, putting my Financial Security at Risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation