vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
I am writing to formally request your assistance in investigating inaccuracies and unauthorized accounts and other inaccurate information on my credit report, which have directly impacted my ability to be approved for loans. Despite my efforts to resolve the issue with the credit reporting agencies, these discrepancies remain unresolved. The information on my credit file includes which I did not authorize or recognize. As a result, my creditworthiness has been significantly affected, leading to my denial for crucial financial opportunities, including loansIappliedfor Incorrect Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Charge Off XXXXXXXX XXXX  XXXX {$2500.00} Date Open : XX/XX/XXXX XXXX XXXX XXXX {$6100.00} Date Open : XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} Date Open : XX/XX/XXXX Collection XXXX XXXX XXXX XXXX {$450.00} Date Open : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX {$7000.00} Date Open : XX/XX/XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
I am writing to formally file a complaint under the family Educational Rights and Privacy Act regarding the unauthorized access to my personal identifiable information by XXXX XXXX and his employees through the Department of Education 's database. 

On XXXX XXXX, XXXX, XXXX XXXX Instructed his team of department of government efficiency ( DOGE ) to gain unauthorized access to multiple internal systems within the Department of Education Including financial aid datasets that contains the personal information of millions of students enrolled in the federal student aid program. my information has been among the data set that has been compromised. 

To my understanding, the Department of Education is required to safeguard students personal records only grant access to authorized parties under FERPA guidelines. The unauthorized access to my private individuals or corporate representatives is a serious breach of these protections.

Also, the federal government has Suspended Access to affordable repayment plans for millions of student loan borrowers. On XX/XX/XXXX the Department of Education took down the electronic application for all income driven repayment plans and consolidation. On XX/XX/XXXX They also removed the paper XXXX application from income driven repayment plans. I have not been able to recertify nor have the payments I have been making count towards my public service loan forgiveness. 

I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. please provide me with any relevant findings corrective actions and steps I can take to prevent further unauthorized access to my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: SC

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

Company 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 2025-03-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 2025-03-19 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: MA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: NV

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. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  XXXX # XXXX Account Name : Bankruptcy # XXXX 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 2025-03-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a {$5000.00} payment to reduce my loan balance, but the payment was never applied to my account. Despite multiple calls, SoFi has repeatedly told me that they transitioned from using XXXX as their loan servicer and are still waiting for the payment to be transferred. However, this delay has completely undermined the purpose of my payment, which was to lower my principal and reduce the interest I owe. 

Meanwhile, I no longer have that money, my loan balance remains unchanged, and I am left chasing after a payment I made in good faith to an agent SoFi contracted. This should not be my responsibility. I expect SoFi to not only ensure that my {$5000.00} payment is immediately applied to my principal but also to compensate me for the unnecessary stress, time, and financial impact caused by this delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-03-19 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: AL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX according to Trafficking Debt Final Rule 1002,142 ( b ) ( 4 ) 51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a Victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be block and delete company information TransUnion. Please delete the following accounts XXXX XXXX  Account # XXXX Balance XXXX Opened Date XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX Balance {$120.00} Open date XX/XX/XXXX, XXXX XXXX Account # XXXX Balance {$4000.00} Opened Date XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX Balance XXXX Opened Date XX/XX/XXXX, XXXX Account # XXXX Balance XXXX Opened date XX/XX/XXXX. I Kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information TransUnion.

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 2025-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to dispute a charge-off that has been reported on my credit report. I noticed the following entry on my credit report that I believe may be inaccurate : Account Name/Number : XXXX Charge-Off Date : XXXX Creditor : ONEMAIN This account was charged off by the creditor, but I did not receive a 1099-C ( Cancellation of Debt ) form for the debt. According to IRS guidelines, a creditor must issue a 1099-C form when they cancel or forgive a debt of {$600.00} or more. As I have not received this form, I am requesting that the reported charge-off be investigated and corrected. 

To clarify, I would appreciate the following : A confirmation from the creditor that they filed a 1099-C form with the IRS for this account.

Verification that the charge-off is accurate and the debt was indeed cancelled or forgiven, as reported.

If this charge-off is not verifiable or if the 1099-C form was not properly issued, I request that the entry be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Please conduct the necessary investigation and provide me with written confirmation of the results of the investigation within the 30-day period required by law.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed. 

1. XXXX XXXX XXXX  - XX/XX/year> Equifax 2.XXXX XXXX XXXX XXXX XX/XX/year> Equifax 3 XXXX XXXX XXXX XXXX- XX/XX/year> Equifax 4. XXXX XXXX XXXX - XX/XX/year> Equifax 5XXXX XXXX XXXX XXXX - XX/XX/year> Equifax 6 XXXX XXXX XXXX XXXX XXXX Equifax 7 XXXX XXXX XXXX XXXX - XX/XX/year> Equifax 8. XXXX XXXX XXXX XXXX Equifax 9 . XXXX XXXX  XXXX XXXX - XX/XX/year> Equifax 10. XXXX XXXX XXXX XXXX Equifax 11 XXXX XXXX XXXX XXXX XXXX XX/XX/year> Equifax 12. XXXX XXXX XX/XX/year> Equifax I request an investigation and the immediate removal of these inquiries from my credit report, as the were not initiated or approved by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX! 
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-19 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: FL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

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. 


Account Name : XXXX # XXXX 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested information about some negative accounts appearing on my credit report. This is the second time I've contacted you about this, and so far, I haven't received any information. This is affecting me in many ways and worsening my quality of life. I need you to remove the accounts or send me proof that they belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: IL

Complaint narrative:
IVE BEEN DISPUTING THESE XXXX XXXX XXXX AND XXXX ACCOUNT FOR XXXX YEARS SINCE 2022. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO SUCCESSFULLY INVESTIGATE THESE ACCOUNTS. WE KNOW THE CFPB HAS BEEN INVESTIGATING EXPERIAN AND EQUIFAX ANS HAS FILED LAWSUITS. HOPEFULLY THIS ADMINISTRATION WILL HOLD EQUIFAX, EXPERIAN, TRANSUNION, CFPB, AND FTC ACCOUNTABLE. THESE ACCOUNTS SHOULD NOT SHOW LATE PAYMENTS ON MY CREDIT FILE. XXXX HAS REMOVED ALL LATE PAYMENTS ASSOCIATED WITH THESE XXXX ACCOUNTS. EXPERIAN, EQUIFAX, AND TRANSUNION NEEDS TO MAKE SURE ALL MY REPORTS ARE THE SAME AND ACCURATE ACROSS ALL CREDIT FILES. WHICH WE KNOW THEYVE FAILED TO DO SO. PLEASE SEE ATTACHED DOCUMENTS DRIVERS LICENSE, BANK STATEMENT, SOCIAL SECURITY CARD, FTC REPORT, AND XXXX DISPUTE LETTERS. IT SHOULD NOT TAKE ME XXXX  YEARS TO REMOVE THESE NEGATIVE ITEMS THAT ARE IDENTITY THEFT BECAUSE ITS INCORRECT INFORMATION THATS NOT ASSOCIATED TO ME. 
REMOVE ALL INQUIRIES THAT I DID NOT AUTHORIZE AS LISTED IN DISPUTE LETTERS AND ON FTC REPORT WHICH LIMITED ME TO REPORTING ONLY XXXX. PLEASE ADHERE To THE LAWS CONGRESS HAS PUT IN PLACE THE FAIR CREDIT REPORTING ACT.

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 2025-03-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
IVE BEEN DISPUTING THESE XXXX XXXX XXXX AND XXXX ACCOUNT FOR XXXX YEARS SINCE 2022. EXPERIAN, EQUIFAX, AND TRANSUNION HAS FAILED TO SUCCESSFULLY INVESTIGATE THESE ACCOUNTS. WE KNOW THE CFPB HAS BEEN INVESTIGATING EXPERIAN AND EQUIFAX ANS HAS FILED LAWSUITS. HOPEFULLY THIS ADMINISTRATION WILL HOLD EQUIFAX, EXPERIAN, TRANSUNION, CFPB, AND FTC ACCOUNTABLE. THESE ACCOUNTS SHOULD NOT SHOW LATE PAYMENTS ON MY CREDIT FILE. XXXX HAS REMOVED ALL LATE PAYMENTS ASSOCIATED WITH THESE XXXX ACCOUNTS. EXPERIAN, EQUIFAX, AND TRANSUNION NEEDS TO MAKE SURE ALL MY REPORTS ARE THE SAME AND ACCURATE ACROSS ALL CREDIT FILES. WHICH WE KNOW THEYVE FAILED TO DO SO. PLEASE SEE ATTACHED DOCUMENTS DRIVERS LICENSE, BANK STATEMENT, SOCIAL SECURITY CARD, FTC REPORT, AND XXXX DISPUTE LETTERS. IT SHOULD NOT TAKE ME XXXX  YEARS TO REMOVE THESE NEGATIVE ITEMS THAT ARE IDENTITY THEFT BECAUSE ITS INCORRECT INFORMATION THATS NOT ASSOCIATED TO ME. 
REMOVE ALL INQUIRIES THAT I DID NOT AUTHORIZE AS LISTED IN DISPUTE LETTERS AND ON FTC REPORT WHICH LIMITED ME TO REPORTING ONLY XXXX. PLEASE ADHERE To THE LAWS CONGRESS HAS PUT IN PLACE THE FAIR CREDIT REPORTING ACT.

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