vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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:
My student loan servicer, XXXX did not place my student loan on forbearance. I called in XXXX of XXXX  to set my account on forbearance for XXXX months. They claim the call never took place. My credit history took a big hit as it states I went XXXX  days without making a payment. This has ruined my credit, as I have always been on time with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My student loan servicer, XXXX did not place my student loan on forbearance. I called in XXXX of XXXX to set my account on forbearance for XXXX months. They claim the call never took place. My credit history took a big hit as it states I went XXXX  days without making a payment. This has ruined my credit, as I have always been on time with payments.

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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 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, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-04-08 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: GA

Complaint narrative:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by multiple furnishers and credit reporting agencies ( CRAs ), in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection statutes.

These violations include : The continued reporting of fraudulent and inaccurate information, The failure to block identity theft-related data as required by law, Improper handling of identity theft disputes, and Unlawful hard inquiries made without my consent. 

The following accounts were reported without my knowledge, consent, or authorization. These are products of identity theft and are being wrongfully reported : XXXX XXXX  Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX. XXXX ( Collections ) Account Ending in XXXX XXXX XXXX XXXX Unauthorized Collections Reporting The following entities made unauthorized hard inquiries into my credit report without permissible purpose : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

False Address Reported : XXXX XXXX XXXX, XXXX, GA XXXX Here are just the few laws being broken that I have found I am sure there has to be more! 

Legal Violations Cited : FCRA Violations : 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate 1681e ( b ) : Failure to ensure maximum possible accuracy 1681b : Unauthorized access/inquiries without a permissible purpose 1681c-2 : Failure to block identity theft information after proper notification 1681i : Failure to conduct a reasonable reinvestigation within 30 days FDCPA Violations 1692g ( a ) : Failure to provide written validation of debt within 5 days 1692c : Unlawful communication without consent 1692b ( 2 ) : Improper third-party disclosure of debt 1692d : Use of abusive or deceptive collection practices IRS Guidance & Potential Violations : If any debt is listed as charged-off, the failure to issue a 1099-C as required could result in IRS misclassification and additional violations. 

I have formally notified the credit bureaus ( Equifax, Experian, TransUnion ) and the listed furnishers about these fraudulent entries. Despite providing the FTC Identity Theft Report ( Report # XXXX ) and detailed disputes, they have : Failed to remove or block the fraudulent data, Refused to provide any original signed contracts or chain of title, and Ignored statutory timelines under federal law. 
This noncompliance has significantly harmed me, including damage to my credit score, loss of financial opportunity, and emotional distress.

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 2025-04-08 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: GA

Complaint narrative:
I am filing this complaint regarding the unlawful and improper use of my consumer credit report by multiple furnishers and credit reporting agencies ( CRAs ), in direct violation of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ), and other federal consumer protection statutes.

These violations include : The continued reporting of fraudulent and inaccurate information, The failure to block identity theft-related data as required by law, Improper handling of identity theft disputes, and Unlawful hard inquiries made without my consent. 

The following accounts were reported without my knowledge, consent, or authorization. These are products of identity theft and are being wrongfully reported : XXXX XXXX  Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX. XXXX ( Collections ) Account Ending in XXXX XXXX XXXX XXXX Unauthorized Collections Reporting The following entities made unauthorized hard inquiries into my credit report without permissible purpose : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 

False Address Reported : XXXX XXXX XXXX, XXXX, GA XXXX Here are just the few laws being broken that I have found I am sure there has to be more! 

Legal Violations Cited : FCRA Violations : 1681s-2 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate 1681e ( b ) : Failure to ensure maximum possible accuracy 1681b : Unauthorized access/inquiries without a permissible purpose 1681c-2 : Failure to block identity theft information after proper notification 1681i : Failure to conduct a reasonable reinvestigation within 30 days FDCPA Violations 1692g ( a ) : Failure to provide written validation of debt within 5 days 1692c : Unlawful communication without consent 1692b ( 2 ) : Improper third-party disclosure of debt 1692d : Use of abusive or deceptive collection practices IRS Guidance & Potential Violations : If any debt is listed as charged-off, the failure to issue a 1099-C as required could result in IRS misclassification and additional violations. 

I have formally notified the credit bureaus ( Equifax, Experian, TransUnion ) and the listed furnishers about these fraudulent entries. Despite providing the FTC Identity Theft Report ( Report # XXXX ) and detailed disputes, they have : Failed to remove or block the fraudulent data, Refused to provide any original signed contracts or chain of title, and Ignored statutory timelines under federal law. 
This noncompliance has significantly harmed me, including damage to my credit score, loss of financial opportunity, and emotional distress.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-08 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15. US. Code 168e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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. 

Please remove the following item from my credit report, immediately. 

Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AL

Complaint narrative:
The accounts are not mine. I do not recognize it and never opened it. Please investigate and remove if 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 2025-04-08 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/XXXX Request for Removal of Charge-Off Older Than 7 Years To Whom It May Concern, I am writing to formally request the removal of a charge-off account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information such as charge-offs is to be removed from credit reports after seven years from the date of first delinquency. 
The account in question is : Creditor Name : XXXX  XXXX XXXX Account Number : XXXX Date of First Delinquency : XX/XX/XXXX As this charge-off has exceeded the seven-year reporting period, I respectfully request that it be deleted from my credit file. 
Please investigate this matter and remove the outdated information from my credit report. I appreciate your time and assistance, and I look forward to your confirmation that this matter has been resolved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-08 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE
State: AL

Complaint narrative:
I have recently started using my checking account at Charles Schwab Bank. Each week I attempt to pay a bill with a company located in XXXX XXXX, its called XXXX XXXX XXXX week this transaction is more or less the same amount give or take a few dollars for conversation or currency. Each week the charge is declined, each week I call, and they push it through. Last week they recommended using another account, this is the only account I have for this transaction. And the money for this transaction is in this account. They point the finger at XXXX, and XXXX said its up to the bank to allow or decline transactions. They have nothing to do with that. The confusion comes from CS having an internal visa team. This team spend accept calls, nor do they offer any information as to why the decline occurs, due to and I quote proprietary software and policies. Regardless of such policies, this is my checking account. This is my debit card. I have confirmed it not the be fraudulent through weekly phone calls as well as confirmation via the text notifications, and yet this week is still not allowing my transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: SECURITY FINANCE CORP
State: IN

Complaint narrative:
Company fails to remove item from my credit profile after several attempts. This account must be permanently removed from my profile. Please validate this account according to 15 USC 1692g Validation of debts? When you are not able to, it needs to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 non-monetary relief
Consumer complaint received 2025-04-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccuracies on My Credit Report and Request for Removal Dear Equifax, I am writing to formally dispute the inaccuracies and accounts that do not belong to me on my credit report. Upon reviewing my credit report, I have identified several items that are incorrect and do not reflect my true financial history. As per the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated, corrected, and removed from my credit report. 

Specifically, the following accounts are inaccurate and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. It is a Student Loan for the total of {$2100.00}. Account does not belong to me, belongs to my twin sister XXXX XXXX. My legal name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is a Student Loan for the total of {$3700.00}. Account does not belong to me, belongs to my twin sister XXXX XXXX. My legal name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is a credit card with a {$500.00} limit. I do not own nor have I ever got approved for a XXXX XXXX credit card but my twin sister XXXX XXXX has. My legal name is XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. It is a credit card with a {$500.00} limit. I do not own nor have I ever got approved for a XXXXXXXX XXXX XXXX but my sister XXXX XXXX has. My legal name is XXXX XXXX These accounts either do not belong to me or contain erroneous information that needs to be corrected. I ask that you conduct a thorough investigation into these items and remove them from my credit report immediately. 

Additionally, under the provisions of the Fair Credit Reporting Act, I request compensation in the amount of {$1000.00} per inaccurate report as outlined in the FCRA, due to the financial harm caused by these incorrect entries. I would appreciate your prompt attention to this matter and request that you provide me with written confirmation of the results of your investigation. 

Please inform me if you require any further information from my side to complete this investigation. I look forward to a prompt resolution of this matter within the 30-day period as stipulated by the FCRA. 

Thank you for your attention to this important issue. I trust that you will act swiftly and in accordance with the law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

Complaint narrative:
i am writing dispute the accuracy of an entry my experian and equifax credit reports regarding an XXXX XXXX XXXX loan Account # XXXX According to my records, the status of account is inaccurately reported as both " PAID '' AND " CHARGE-OFF '' with write-off of {$3500.00}. Furthermore, the payment history contains several inconsistencies.

Company response to consumer: Closed with explanation