vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume 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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
Hi I just received today on my credit report a debt of {$130.00} with XXXX XXXX in XXXX New York I spoke with the collection company who confirmed the address inan account opened in XXXX. 

I was in California at the time and can prouve it I did not open an account with XXXX XXXX XXXXd never had an account ever with this company. 

This address is from the former owners where I did once live in XXXX XXXX XXXX  about 6 months. I am willing to file a police report! 

I would like to verify this and removed off my credit report! It is not my debt this is fraud! 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: Servicer under contract with Federal Student Aid
State: WV

Complaint narrative:
Dear Family Policy Compliance Office, I am submitting a formal complaint regarding a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ). My personally Identifiable student loan records were improperly disclosed without my prior written consent. Below are the detalls : Disclosed Information : Student loan balance, Social Security number, banking details, and other personally identifiable information. 
Part of My Student Records? ; Yes, maintained by ( Loan Servicer ) and the U.S.Department of Education. 
Responsible Official : The U.S. Department of Education allowed unauthorized access by XXXX XXXXXXXX XXXX  Department of Government Efficiency ( DOGE ). 
Recipient : DOGE personnel, who are not authorized student loan servicers or approved third-party vendors. 
Circumstances : DOGE accessed federal student loan data without consent under the guise of a " government efficiency review. '' When I Became Aware : | learned of the breach on XXXX XXXX through news reports and legal actions, including XXXX XXXX U.S. Department of Education. 
Attempts to Address : No direct communication from my loan servicer or the Department of Education regarding the breach. 
Request : I request a formal investigation and ask that my student loans be forgiven in full due to this privacy violation.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-18 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: CT

Complaint narrative:
XX/XX/XXXX I disputed an installment loan with Transunion after 30 days I did not receive any result and I made a complaint with the cfpb the cops wrote me back and told me Transunion has said that they will respond to me they never did it has been 60 days now

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 2025-04-18 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy

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 2025-04-18 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against Equifax for Unauthorized Credit Report Lock and Ongoing Credit File Mixing Dear CFPB, I just spoke to a rep in the tier XXXX department of Equifax by the name of Caom - Employee ID - XXXX and I am writing to file a formal complaint against Equifax concerning the unauthorized locking of my credit report and the persistent inaccuracies due to the mixing of my credit file with another individual 's. 
Details of the Issue : Unauthorized Credit Report Lock : Equifax 's Tier XXXX department has placed a lock on my credit report without my consent. This action occurred after I requested online access to my credit report to provide necessary documentation to my attorney for potential legal action against Equifax. 
XXXX XXXX XXXX : Despite submitting all required documentation, Equifax has failed to correct the inaccuracies resulting from the mixing of my credit file with someone else 's. 
Lack of Access and Transparency : Repeated attempts to access my credit report online have been unsuccessful, and Equifax representatives have been unable to assist me in resolving these issues.

Violations of the Fair Credit Reporting Act ( FCRA ) : Equifax 's actions appear to violate several provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file within 30 days of receiving notice of the dispute.

Requested Resolution : I respectfully request that the CFPB : Investigate Equifax 's unauthorized locking of my credit report and their failure to correct the inaccuracies resulting from credit file mixing.

Ensure that Equifax complies with FCRA requirements to maintain accurate credit information and provide consumers with access to their credit reports. 
Mandate that Equifax provides me with an accurate and updated credit report promptly and removes any unauthorized locks. 
Take appropriate enforcement action against Equifax for any confirmed violations of the FCRA. 
I am prepared to provide any additional information or documentation required to support this complaint. 
Sincerely, XXXX XXXX XXXX - ID - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 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 a 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 informat
ion, 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is currently reporting an account that does not belong to me. Upon further investigation, I found that this account is tied to an institution based in XXXX XXXX XXXX, Utah a location with which I have no personal or residential ties, as I reside in XXXX, Texas and have never lived in Utah. 

Additionally, my personal information was compromised in a data breach, which I have attached for your reference. This account is not being reported by XXXX XXXX XXXX further confirming its inaccuracy. 

I am demanding that this erroneous and unverified account be removed from my credit report within 4 days to avoid further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
I tried to access the account and they do not have my correct email address or my phone number on file

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 2025-04-18 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: WA

Complaint narrative:
I am disputing the charge-off account from XXXX XXXX XXXX account XXXX, due to inaccurate and incomplete reporting. The account shows a balance, but I never received a 1099-C, which is required if the debt was canceled. Reporting a charge-off with a balance under these circumstances is potentially misleading and violates FCRA Section 607 ( 15 U.S. Code 1681e ), which requires credit bureaus to ensure maximum possible accuracy. I request this account be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: WA

Complaint narrative:
I am disputing the charge-off account from XXXX XXXX XXXX account XXXX, due to inaccurate and incomplete reporting. The account shows a balance, but I never received a 1099-C, which is required if the debt was canceled. Reporting a charge-off with a balance under these circumstances is potentially misleading and violates FCRA Section 607 ( 15 U.S. Code 1681e ), which requires credit bureaus to ensure maximum possible accuracy. I request this account be deleted.

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 2025-04-18 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: MI

Complaint narrative:
To whom It May Concern, I am writing to challenge the reporting and compliance on an account with [ 'XXXX  ' ] that is being reported on my credit report with incorrect/missing info. 

More specifically, I am Referencing the fact that you are reporting [ " an incorrect account number '' ]. 

Your improper procedure are highly damaging to my credit score. Please immediately delete this item. 

CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/year>, I noticed several unauthorized transactions made on my Bank of America ( BoA ) debit card. These transactions were made by someone else, and I did not authorize any of them. The total amount lost is over {$150.00}, with XXXX transaction for approximately {$59.00} being particularly concerning. 

I used my BoA card at a XXXX gas station in XXXX, and shortly after, my card started showing suspicious activity with numerous charges I didnt make. I tried to dispute the charges through the BoA app and browser, but I am unable to verify my identity because I no longer have access to my U.S. phone number.

I called BoA, and they informed me that I need to physically go to a branch to verify my identity and dispute these transactions. However, I am currently overseas and can not go to a BoA branch. This is preventing me from resolving the issue.

I need help to dispute the unauthorized transactions, lock my account, and recover the stolen funds. Please assist with an alternative method of verifying my identity and accessing my account, as I am unable to return to the U.S. at this 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 2025-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I am unaware of this debt. I didn't have the opportunity to dispute this information. If in fact you believe you gave me proper notification. Then please send me the certified receipt with my name and signature on it, stating I received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MI

Complaint narrative:
bXXXX XXXX XXXXXXXX\nXXXX XXXX\nXXXX XXXX\nXXXX XXXXnXXXX XXXXnXXXX XXXX\nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have done this multiple times and its getting exhausting. I am a XXXX XXXX XXXXXXXX XXXX and in XXXX XXXX XXXX XXXX  You can not report me late for a loan when XXXX in deferment. 

I just uploaded the deferment information for the XXXX time. Maybe this time youll actually read it.

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 2025-04-19 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: PA

Complaint narrative:
Today I noticed unfamiliar accounts on my credit report, and Im unsure why theyre showing up. I perform regular credit checks, but this time, there were random discrepancies. I even refreshed the browser to make sure it wasnt just a display issue, but the errors remained. Im requesting that my submitted documents be carefully reviewed so I dont have to worry about these inaccuracies in the future.

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 2025-04-18 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: PA

Complaint narrative:
Today, I discovered inaccurate accounts on my credit report and I dont know where they came from. I looked at my report as I usually do, but this time there were strange discrepancies. I attempted to refresh the browser to see if it was a mistake, but the problem persisted. Because of this, Im asking that you thoroughly review the documents I provided to ensure I wont have to worry about this again.

Company response to consumer: Closed with non-monetary relief