vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Westlake Services, LLC
State: FL

Complaint narrative:
This is a debt collector trying to collect a old debt that's pass the statue of limitations. They also are continuing to pay credit bureaus to keep this debt that has pass 7 years on my credit report. I have had tried to resolved this with them. They keep sending me letters about settling. They debt is was suppose to fall off all three of credit bureaus last year. However this company is still paying them to keep this negative item on my credit report. They also can't validate this debt belongs to me. The bureaus are not properly investigating these negative items either. This negative item is hurting my ability to obtain credit services in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TN

Complaint narrative:
Complaint Against Equifax for Refusal to Remove Account After Issuance of IRS Form 1099-C To Whom It May Concern, I am writing to file a formal complaint against Equifax Information Services LLC for its willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically in relation to its refusal to remove a charged-off account from my credit report after a Form XXXX ( Cancellation of Debt ) was issued. On XXXX of XX/XX/year>. 

A creditor has officially issued a Form XXXX in relation to the account in question, which I have provided to Equifax as proof of cancellation of the debt. This form, as required by the Internal Revenue Service ( IRS ), confirms that the creditor has discharged the debt and no longer considers it legally collectible. Despite this legal discharge and multiple requests to Equifax for removal of the tradeline, the account continues to be reported, negatively impacting my credit score and financial standing.

This ongoing reporting is not only inaccurate but also constitutes willful noncompliance with the FCRA. Under 616 of the Fair Credit Reporting Act [ 15 U.S.C. 1681n ], a consumer reporting agency that willfully fails to comply with any requirement imposed under the Act with respect to any consumer is liable for actual damages, punitive damages, and attorneys fees.

I hereby request that the Consumer Financial Protection Bureau take the following actions : 1. Investigate Equifaxs refusal to remove the account in question despite clear evidence of debt cancellation via a valid 1099-C ; 2. Compel Equifax to immediately delete the tradeline associated with the canceled debt ; 3. Pursue penalties to the fullest extent allowed under FCRA 616 for willful noncompliance, including maximum statutory and punitive damages.

Attached are copies of my correspondence with Equifax, the 1099-C form, and any supporting documentation for your review. I trust the CFPB will act promptly to ensure Equifax is held accountable and that my rights as a consumer are upheld under federal law. 

Thank you for your attention to this serious matter. I look forward to your response and a resolution of this complaint. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
Credit that's not mine, and wrong information and money loss

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 monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Collection Management Holdings, LLC
State: AR

Complaint narrative:
Credit management company added a medical debt collection to my credit report XX/XX/year>. I was seen at XXXX XXXX in XXXX ARkansas and didnt have my insurance documentation in hand. I later submitted my insurance card to Mercy but was unaware of needing to submit to provider seperately. My Insurance paid for the hospital visit but the provider did not file the claim to my insurance company within the given time frame. I was told I had to pay the full amount for not providing my insurance to the provider additionally to the hospital.

I have called the Credit Management Company several times to take care of this debt but they can not find me on their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
I received a credit alert from 3 separate sources regarding the furnishing of information regarding my consumer report. Department of Education Aid Advantage published deceptive information on my consumer report about my explicit or written consent which is a form of identity theft against me. Department of Education Aid Advantage also violates consumer laws in the publishing of non public personal information. Department of Education Aid Advantage violates Federal Due process procedural laws by uploading unverified information in affidavit signed under penalty and perjury that gives them the authority to steal my persons name and information and publish non-public personal information about XXXX XXXX. I filed Identity theft report with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Fraudulent and Inaccurate Reporting XXXX XXXX XXXX XXXX ( Multiple Accounts ) To Whom It May Concern, I am writing to formally dispute multiple fraudulent and inaccurate entries listed on my Experian credit report from XXXX XXXX XXXX XXXX. These entries are in violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or removed immediately. 

Specifically : 1. There are three separate entries for XXXX XXXX XXXX XXXX with different account numbers, all reflecting the same balance. 
These accounts are being inaccurately reported as credit card accounts, which they are not. This is a misclassification of the account type. 
Each account is marked as charged off, yet still reflects an outstanding balance, which is improper and deceptive. 
Pursuant to credit reporting guidelines, once an account is charged off, the balance should either reflect {$0.00} or be transferred to collections. Continuing to show a balance under the original creditor is both misleading and potentially unlawful. 
The presence of three accounts with identical balances from the same creditor further indicates duplicate reporting or erroneous data entry, and harms my creditworthiness unfairly. 
XXXX. XXXX. 
XXXX. Additionally, I previously disputed these entries, but the investigation conducted by Experian was neither reasonable nor thorough, as required under FCRA Section 611. Failing to correct clearly inaccurate and duplicated information demonstrates noncompliance with federal law. 
I am demanding that Experian : Delete all three inaccurate XXXX XXXX XXXX XXXX accounts from my credit report. 

Remove all outstanding balances shown on these charged-off accounts, per legal and reporting standards. 

Provide a detailed written response confirming the results of your investigation, along with an updated copy of my credit report. 
If this matter is not resolved within the 30-day window as required by law, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and reserve the right to pursue legal action for continued willful noncompliance. 
Sincerely, 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 2025-04-14 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: MOHELA
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IA

Complaint narrative:
Name XXXX XXXX Address XXXX XXXX XXXX, XXXX XXXX, IA XXXX Re : Dispute of Unauthorized Credit Report Dear Hunter Warfield, I am writing to formally dispute the furnishing of my consumer report by your company without my written consent. Upon review of my credit file, I discovered that you accessed or obtained my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( Section 604 ), which strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report.

15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer report may only be furnished with the written consent of the consumer. I have no record of providing such consent to your company. As such, your actions appear to constitute a willful violation of the FCRA. 

Furthermore, under 15 U.S.C. 1681n, you are subject to civil liability for willful noncompliance. This includes actual damages, punitive damages, and costs of litigation, including reasonable attorneys fees, as provided under the statute. 

I request the following actions immediately : 1. Provide proof of my written consent authorizing the furnishing of my consumer report.

2. If no such proof exists, remove any inquiry or record of your access to my credit file from all credit reporting agencies.

3. Confirm in writing that your company will cease any unauthorized activities and comply with all applicable provisions of the FCRA.

Failure to address this matter promptly may result in my taking legal action to enforce my rights under the FCRA, including seeking damages for willful noncompliance.

Please treat this letter as a formal demand for resolution and provide your response within 30 days of receipt. I expect all communication regarding this matter to be in writing and sent to the address listed above. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX Phone number : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
This Credit has violated my rights USC 1666b They are reporting for September 2022 30 days late for October 2022 60 days late and for November 90 days late on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
This is my part two of my complaint. I'm attaching the FTC report as this complaint is a result of identity theft. I have several accounts that do not belong on my credit profile. These are three more accounts that are to be block and removed from my account. I'm sending this correspondence in good faith as my rights have been violated.

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 2025-04-14 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:
This is my part two of my complaint. I'm attaching the FTC report as this complaint is a result of identity theft. I have several accounts that do not belong on my credit profile. These are three more accounts that are to be block and removed from my account. I'm sending this correspondence in good faith as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I applied for credit card with FNBO Omaha ( XXXX XXXX XXXX XXXX  ) and i got approved for XXXX. Passed two days I received a call from their fraud department and was told they need additional documents to verify my identity.what they requested was notarised document verifying my Driver license. I spent money and time and i sent all the documents they requested. I called them to verify they received all documents and got confirmation all documents were signed and correct. They told me review process would take 3 days. I was waiting for my card for 10 days and never received it so I decided to call them to know whats happening. The answer was,, we decided to close your account without any explanation. They made me wait for my card for 20 days, they told me i am approved they wasted my time and money and closed my card without any reason. I provided all the documents i sent them very sensitive information and at the end they closed my account. Who can hold them responsible for wasting peoples money and time?

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 2025-04-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617. Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. XXXX  XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.3. XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ( XXXX XXXX XXXX ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages.4. XXXX XXXX Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) Experian was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 5. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. These precedents highlight the legal risks of noncompliance with FCRA obligations. Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have no other names but XXXX XXXX XXXX XXXX no other addresses but XXXX XXXX XXXX XXXX XXXX XXXX XXXX, no other birthdays but XX/XX/year>. I have written to Transunion, Equifax and Experian to remove all other names and addresses as they are not mine and do not belong to me. There are countless variances of each and i just want them removed. They are harming my credit score, credit worthiness and effecting my reputation. It makes me look like a fraudster when applying for extensions of credit, which i am not. This could be a defamation of character lawsuit if there is no remedy or relief. I also want all birthday and employment history removed as there are inconsistent, incorrect information there as well.

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 2025-04-14 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief