vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have disputed inaccurate information on my credit report with the credit bureaus 3 times and each time the account keeps coming back as verified by the creditor. 
I am writing to formally address significant inaccuracies in the account of the XXXX  XXXX XXXX account, specifically account number XXXX. Despite multiple attempts to resolve these issues, yet this erroneous account continues to be reported to my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my XXXX  XXXX XXXX account appear to breach XXXX  XXXX XXXX 's legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information - Account Name and Number : XXXX  XXXX XXXX - XXXX - Reported Inaccuracies : - Erroneous and inconsistent entries - Incorrectly reporting and not XXXX Compliant Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The responses Ive received thus far fall short of these requirements. 
2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies on my credit reports, it is apparent that XXXX  XXXX XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and XXXX XXXX standards also mandate a rigorous data accuracy protocol. XXXX  XXXX XXXX 's reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for DELETION I demand that the XXXX CREDIT bureaus immediately delete the inaccurate account on my consumer credit files immediately. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this correspondenceto pertinent regulatory and media bodies. 


FCRA VIOLATIONS AND SECTIONS : Specifically, I am invoking my rights under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which explicitly mandates that credit reporting agencies must physically verify the original signed consumer contract for any and all accounts posted on a credit report. Failure to provide

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my XXXX XXXX debt.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a installment loan account opened at XXXXXXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX and installment loan account opened at MISSOURI HIGHER XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-17 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: NY

Complaint narrative:
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have disputed inaccurate information on my credit report with the credit bureaus 3 times and each time the account keeps coming back as verified by the creditor. 
I am writing to formally address significant inaccuracies in the account of the XXXX  XXXX XXXX account, specifically account number XXXX. Despite multiple attempts to resolve these issues, yet this erroneous account continues to be reported to my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards, I am entitled to accurate, verifiable information on my credit report. Regrettably, the inaccuracies on my XXXX  XXXX XXXX account appear to breach XXXX  XXXX XXXX 's legal obligations as a data furnisher under the FCRA and relevant XXXX XXXX guidelines, as follows : Details of the Disputed Information - Account Name and Number : XXXX  XXXX XXXX - XXXX - Reported Inaccuracies : - Erroneous and inconsistent entries - Incorrectly reporting and not XXXX Compliant Applicable FCRA and CDIA Violations 1. FCRA 611 ( 15 U.S.C. 1681i ) : Procedures for investigating disputed accuracy, which mandates a prompt and thorough investigation within 30 days of a dispute. The responses Ive received thus far fall short of these requirements. 
2. FCRA 623 ( 15 U.S.C. 1681s-2 ) : Responsibilities of furnishers to report accurate information. Given the inconsistencies on my credit reports, it is apparent that XXXX  XXXX XXXX has not fulfilled this obligation, as these discrepancies continue to remain uncorrected. 

The CDIA and XXXX XXXX standards also mandate a rigorous data accuracy protocol. XXXX  XXXX XXXX 's reporting of inconsistent and misleading payment history not only disregards these standards but also places an unjust burden on me as a consumer to continually dispute incorrect information. 

Demand for DELETION I demand that the XXXX CREDIT bureaus immediately delete the inaccurate account on my consumer credit files immediately. Failure to address this error accurately and promptly could result in legal actions, including filing a sworn statement and forwarding all related documentationincluding this correspondenceto pertinent regulatory and media bodies. 


FCRA VIOLATIONS AND SECTIONS : Specifically, I am invoking my rights under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), which explicitly mandates that credit reporting agencies must physically verify the original signed consumer contract for any and all accounts posted on a credit report. Failure to provide

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 2025-04-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I requested to change my payment due date from the XXXX of every month to the XXXX of every month. This request was accepted and the change was made. 

In XX/XX/XXXX, I called the XXXX XXXX XXXX support line. The date is unknown because it is not documented in my XXXX profile and I did not write down the date. I spoke to a support person, requesting a change in the payment due date. I requested the due date to be changed from the XXXX of every month back to the XXXX of every month. She kindly accepted the request, yet offered no additional information on this process. 

Today, XX/XX/XXXX, I called the XXXX XXXX XXXX support line to request another due date change. I spoke to a representative, requested another due date change. I started with I recently changed my payment due date, it was sometime in XXXX of this year, may I still make another payment due date change? She said, yes, however, it can only be a date 2 days forward from your current due date. You are unable to go back to the XXXX of the month, from the XXXX of the month. This information was never provided to me before. This was the first time any support person had mentioned this rule. 

I have been a sole XXXX and/or Honda financed customer since XXXX. I have faithfully stood by the product, financing, followed every rule, paid every payment on time. I would like my request to change my monthly payment due date honored. Due to the lack of information provided in the past, I believe I am owed this. I would like my monthly payment due date to be on the XXXX of every month. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I am disputing two credit inquiries from the same company, dated XX/XX/year> and XX/XX/year>. I have never heard of this company, nor have I applied for any of their services. On both of these dates, I submitted my Social Security number as part of an auto loan application through a different website, which clearly stated that the inquiry would be a soft pull and would not affect my credit score. I believe these hard inquiries were made without my authorization and request that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: OR

Complaint narrative:
To whom it may concern : I was in the SAVE IDR plan starting XX/XX/XXXX and switched to the PAYE IDR plan on XX/XX/XXXX to resume making student loan payments. There was a clerical error that caused me to be put in the SAVE forbearance on XX/XX/XXXX. After several long phone calls, MOHELA finally removed the erroneous forbearance and updated my loan status to Repayment on XX/XX/XXXX. However, when this occurred, they retroactively removed my entire SAVE forbearance which has caused my account to incorrectly show 5 missed payments and put my account into a Past Due status. This also caused an interest capitalization of approximately XXXX dollars starting in XXXX. I have been on autopay the entire time with MOHELA ; Ive never missed a payment. Ive reached out to MOHELA many times but the error has not been corrected. On XX/XX/XXXX my XXXX  credit score has decreased by XXXX points due to MOHELAs erroneous missed payments and account balance increase ( interest capitalization ). My first autopay payment went through on XX/XX/XXXX, but this is not showing as a qualifying PSLF payment due to the past due error associated with my account. I need assistance to get MOHELA to correct the mistakes theyve made on my account. 

Please see attachment " XXXX MOHELA Issue '' for details and timeline of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX Balance {$7500.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$3100.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$3300.00} Open Date XX/XX/XXXXXXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$4200.00} Open Date XX/XX/XXXXXXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
CAPITAL ONE 'S RESPONSE UNDER Re : Account ending in XXXX Capital One CID : XXXX c : FPB Complaint ID : XXXX PROVIDED A LETTER OF DENIAL WITHOUT EXPLANATION IN ADDITION TO THE REQUESTED RECORDS SUPPORTING THEIR DENIAL. 

ALSO, THE AUTHOR, " XXXX '' DELIBERATELY PROVIDED A FALSE CONTACT NUMBER THAT I TRIED TO REACH HER ON XXXX OCCASIONS, AND EACH TIME A RECORDING STATING THE " LINE IS OUT OF SERVICE '' Sincerety, XXXX On Behalf of Capital One XXXX EXT. XXXX I NEED THIS CONSUMER FRAUD AGAINST MY ACCOUNT ESCALATED AWAY FROM THE FRAUDSTERS WITHN CAPITAL ONE CLAIMS RESOLUTION DEPARTMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not open these accounts under FCRA XXXX please remove these in XXXX business days

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 2025-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Remitly regarding a serious issue involving unauthorized transactions on my account and the companys failure to take appropriate action.

My account on the Remitly platform was compromised, and {$440.00} was fraudulently sent to a different country. Following this incident, my account was closed. Fortunately, I was able to document all transaction notifications and submit them to Remitly to support my claim and assist in their investigation.

To my great disappointment, Remitly has yet to acknowledge my complaint or provide any updates regarding the status of their investigation. I have not received a single email confirming receipt of my complaint, outlining any steps they are taking to resolve the matter, or offering a timeline for when I can expect a refund.

Despite my repeated attempts to follow up with their compliance team, I have not received any meaningful response. Instead, I was advised to contact my bank, which I did. However, Remitly has still refused to initiate a refund, and it has been several weeks without resolution.

I am requesting the Consumer Financial Protection Bureaus assistance in addressing this matter and urging Remitly to take responsibility for the unauthorized transaction and provide a full refund of the stolen amount.

Thank you for your attention to this matter. I am happy to provide any additional documentation upon request. 

Sincerely, XXXX XXXX XXXX Your Email Address : XXXX Date of Incident : XX/XX/year> Email Associated with Your Remitly Account : XXXX XXXX

Company response to consumer: Closed with explanation