vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: CARVANT FINANCIAL LLC
State: VA

Complaint narrative:
I am formally reporting suspected identity theft and unauthorized activity on my credit file. Upon reviewing my credit report dated XX/XX/year>, I discovered XXXX hard inquiries that I did not authorize or recognize : CARVANT FINANCIAL LLC Hard Inquiry reported XX/XX/year>XXXX XXXX XXXX Hard Inquiry reported XX/XX/year> XXXX XXXX Hard Inquiry reported XX/XX/year> I have no existing or prior relationship with these companies. I did not apply for credit, financing, or loans with these institutions, nor did I provide consent for any credit checks. These inquiries were made fraudulently, without my knowledge or authorization. 

I have already filed an identity theft report with IdentityTheft.gov and have attempted to contact these companies directly, only to be met with unhelpful responses and no resolution. 

This situation is urgent and is causing significant damage to my creditworthiness. I demand the immediate removal of these unauthorized hard inquiries from my credit report to prevent further harm. Failure to act swiftly will leave me no choice but to pursue all available legal remedies. 

Thank you for your immediate attention to this critical matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-09 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
I am filing this complaint against both Equifax Information Services LLC and XXXX XXXX XXXX  for knowingly reporting inaccurate and misleading payment history on my closed account in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question was an installment loan with XXXX XXXX XXXX ( Acct # * XXXX ) opened on XX/XX/XXXX. It was paid in full and closed on XX/XX/XXXX with a {$0.00} balance, as shown in XXXX own reporting. 

Despite this, Equifax continues to report the account with derogatory late payment history ( including a 6089 days past due status ) after the closure date. This is inaccurate and materially misleading because : 1. FCRA 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain maximum possible accuracy. Reporting late payments on an account that had a {$0.00} balance and was closed is not accurate. 
2. FCRA 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation. My prior dispute provided evidence that the account was paid and closed before the alleged delinquencies. Equifax failed to correct the reporting and instead verified inaccurate information. 
3. The reporting furnisher, XXXX XXXX XXXX, is also in violation of FCRA 15 U.S.C. 1681s-2 ( b ) for failing to conduct a proper investigation and correct the record after receiving notice from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Kikoff Inc.
State: AL

Complaint narrative:
Fraud accounts on credit report I did not authorize use of my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
Fraud accounts on credit report I did not authorize use of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NV

Complaint narrative:
This is a long story. In XXXX American Education Services and XXXX XXXX Trust defaulted my private student loan and placed a charge-off on my credit report, which damaged my credit causing undue harm while I was unemployed, instead of granting any forbearance while addressing previous issues. They were damaging my credit on purpose while I was homeless. 

My XXXX loan was specifically acquired to atteXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I could no longer make payments on it due to unforeseen nation wide industry unemployment. In this case I had asked and requested servicer American Education Services / XXXX XXXX XXXX XXXX XXXXXXXX for some sort of help in the form of forbearance or temporary pause but did not received any help whatsoever. 

After that, in XXXX from the borrowers defense approval, my federal loans were completely XXXX and credit repaired due to crimes committed my XXXX and XXXX XXXX XXXX, found guilty of fraud in many cases and subsequently closed down. 
I also submitted a school misconduct XXXX  application for my Navient private loans and those to were also XXXX and credit repaired. 

I requested a similar path forward for discharge to be set for this XXXX loan as well. In this case of all the legal precedence against The XXXX XXXX, the federal Borrowers Defense approval, my Navient private loan discharge along with the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten.

To date : While investigating my CFPB discharge request, XXXX XXXX XXXX said they would respond outside of CFPB. IT did not respond at all and I have received no calls, or communication about a path forward regarding my School misconduct discharge, Nor have I received any path forward to continue better standing for my account in any way, for a year. Recently I was surprised to learn my loan was sent to XXXX XXXX XXXX, XXXX. collection agency ( letter attached ) without any knowledge from me, or my cosigner, nor any communication from XXXX for me to continue better standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
CFPB Complaint Inaccurate and Unverifiable Credit Reporting I am filing this complaint because multiple credit bureaus continue to report inaccurate, unverifiable, and outdated information on my consumer credit file despite my prior disputes. These errors are causing severe harm to my creditworthiness, violating my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. My first dispute letter was sent and received, yet these items remain uncorrected. The following details the disputed information : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Wrong Address Issue : Not my address, no authorization to be in my file. 
Law : FCRA 604 Only permissible purpose data may be maintained.

Story : Reporting this address violates my privacy and rights, making it appear I have ties to regions I have never resided in, and may link me to unauthorized accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wrong Address Issue : No record of residency or financial association with this address. 
Law : FCRA 602, 611 ( a ) Information must be accurate and verifiable. 
Story : Leaving this in my file after prior notice shows gross negligence and disregard for accuracy obligations. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charge-Off Issue : This entry is inaccurate, duplicative, and unverifiable. 
Law : FCRA 611 ( a ) You must delete unverifiable information within 30 days.

Story : This is harming my score by double reporting and inflating derogatory marks. Despite my initial dispute, no valid documentation has been produced to confirm its legitimacy. 
Bankruptcy Reference # : XXXX Court : U.S. Bankruptcy Court Issue : This bankruptcy is reporting inaccurately and without proper verification from the court itself. Public record data must be obtained from original sources, not third-party databases. 
Law : FCRA 607 ( b ) Obligation to maintain maximum possible accuracy ; FTC Guidance on public record reporting. 
Story : I have never received direct confirmation from the court regarding this filing in my name. The continued presence of this unverifiable bankruptcy entry is severely damaging my credit profile and constitutes reckless reporting. 
Requested Resolution : I am requesting the CFPBs intervention to compel the credit bureaus to remove all the above incorrect addresses, unverifiable accounts, and false public records from my credit report. The bureaus have failed to correct these errors after my first dispute and are in ongoing violation of the FCRA. I also request investigation into the credit bureaus reinvestigation process, as their continued reporting of these disputed items suggests noncompliance and willful disregard of consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
I recently disputed all my charge offs on Experian I expressed that the third party companies they sold my information to I didnt give permission for that nor do I have a contract with them I asked for a verified letter or a signature of mines .they refused and kept the charge offs on my account

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am unable to access my account on my device or any other device. I attempted a different browser and the mobile app they offer. I don't have a VPN on and I'm still unable to access my account. The agent who was helping me saw no issues but proceeded to forward the issue by having me submit a letter to fix my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Complaint Against Oportun for Misleading Marketing and High Interest Rates To Whom It May Concern, I am filing a complaint against Oportun for misleading marketing practices. Oportun advertises its loans as " affordable, '' but their 36 % APR is excessive and not affordable for many consumers. They emphasize low semi-monthly or monthly payments, which obscures the total cost. Due to the high APR and frequent payment schedules, borrowers often repay nearly double the original loan amount. 

Oportun appears to target XXXX communities, who may have limited financial literacy, making them vulnerable to these practices. The current U.S. prime rate is approximately 7.5 %, meaning Oportuns 36 % APR includes a 28.5 % risk premium, which is not clearly disclosed. This misrepresentation of " affordable '' loans deceives consumers about the true cost of borrowing. 

I request that the CFPB investigate Oportuns marketing practices and high interest rates for potential violations of consumer protection laws, including deceptive advertising under the Truth in Lending Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
Please remove the following HARD Inquiries which I have not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-09 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and contradictory information for my XXXXXXXX XXXX XXXX account ( Account No. XXXX ). 

The payment history and key dates shown in my TransUnion report do not match the creditors actual records and are inconsistent with the other credit bureaus. For example, TransUnion reports late payments in XX/XX/XXXX ( 30 days ) and XX/XX/XXXX ( 60 days ), even though the account was current and being paid. In XXXX and XX/XX/XXXX, TransUnion reports OK, while other bureaus report late payments, which means at least one bureau is reporting false data. 

Additionally, TransUnions Date of Last Activity ( XX/XX/XXXX ) and Date Reported ( XX/XX/XXXX ) do not match the creditors verified dates and differ from the other bureaus. My account is also not marked as in dispute, in violation of FCRA 623 ( a ) ( 3 ).

These errors violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ), as well as Metro 2 reporting standards. I have already disputed t
his information directly with TransUnion, requesting a full investigation and the Method of Verification, but the errors have not been corrected. 

This inaccurate reporting is harming my credit profile, and I request that the CFPB require TransUnion to delete the false late payments, correct the key dates, update the account to XXXX with no inaccurate delinquencies, and provide documentation from the creditor to support their 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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXXEQUIFAXXXXX XXXX XXXX GEORGIA XXXXRE: Formal Dispute  Unauthorized Reporting of AccountsXXXXTo Whom It May Concern,XXXXThis letter is a formal dispute under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681. I am asserting my rights under federal law to dispute the accuracy and legality of the accounts listed below, which are appearing on my consumer credit file without my written authorizatioXXXXPursuant to 15 U.S.C.  1681b(a), a consumer reporting agency may only furnish my consumer report if there is a permissible purpose and written consent from me in certain situations. I have never provided any written authorization or signed agreement granting you, or any of the creditors below, permission to obtain, furnish, or report my consumer informationXXXXAccounts in Question:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBecause these accounts have been furnished to your agency without my explicit written consent, they constitute a violation of my rights under the FCRA. Continuing to report them without proof of written authorization is willful noncomplianceXXXXUnder 15 U.S.C.  1681i, you are required to conduct a reinvestigation of my dispute. If you cannot produce documented evidencebearing my original wet-ink signatureshowing I granted written consent for these creditors to access or furnish my information, you must immediately delete these accounts from my credit file and provide me with an updated copy of my reportXXXXPlease note:XXXXFailure to comply will be considered a knowing and willful violation of federal law.XXXXI will not accept a generic response stating the accounts were verified. Verification must include proof of my signed written consent, as required under 15 U.S.C.  1681b(a)(2)XXXX  am keeping records of this correspondence for potential legal actionXXXX expect your full compliance within the 30-day period prescribed by law.XXXX XXXX XXXX

Company response to consumer: Closed with explanation