vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
XXXX am writing to formally express my concerns regarding potential violations of my rights under the Family Educational Rights and Privacy Act ( FERPA ) and the improper handling of student loan data by the Department of Education ( DOE XXXX and its potential transfer to the XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX. 

As a borrower of federal student loans, I entered into a contractual agreement with the Department of Education. My promissory note explicitly states that my obligations are to the DOE, and I did not consent to any transfer of my loan management to the XXXX or any other entity. The reported move of student loan oversight from the DOE to the XXXX under the upcoming administration raises serious legal and ethical questions regarding the sanctity of this agreement and my rights as a borrower. 

Furthermore, I am deeply concerned about the improper handling of my personal and financial information. If this transfer occurs, it may constitute a breach of my right to privacy and a violation of FERPA, which protects the confidentiality of student records. I am also alarmed by the potential unauthorized access to my loan data by third-party entities, including individuals or corporations with no legal right to this information. owe {$1800.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
THIS DEBT IS IN A CIRCLE. IT GETS REMOVED WHEN I WRITE A LETTER TO YOU ALL OR TO THE COMPANY IT IS WITH, IT THEN GETS SOLD TO ANOTHER DEBTOR, AND THEN THEY PLACE IT BACK ON MY REPORT AFTER IT WAS REMOVED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
This ACCOUNT IS NOT LATE NOR 30 days past due and never has been. In accordance with the Fair Credit Reporting Act you have violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) 15. U.S.C 1692 ( C ) I have provided proof several times this account is in good standing on one again today my score dropped due to inaccurate reportingXXXX XXXX shows the correct account information Transunion does not. Ive provided proof of NO MISSED 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 explanation
Consumer complaint received 2025-04-28 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

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 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 2025-04-28 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This correspondence serves as my formal Notice of Claim and Election of Arbitration pursuant to the terms and conditions of my Member Agreement with Navy Federal Credit Union, as well as applicable federal law under the Federal Arbitration Act ( 9 U.S.C. 1 et seq. ). 

Following Navy Federal Credit Unions breach of contract, wrongful refusal of lawful tender of payment, failure to return said tender in violation of the Uniform Commercial Code ( UCC 3-603 and 3-604 ), and additional violations of my rights under state and federal law, I hereby initiate the arbitration process as contractually agreed. 

The facts, supporting legal authorities, and demands are outlined herein for your immediate attention and response. Failure to respond adequately within the time provided will result in the immediate filing of an arbitration claim with the designated arbitration body.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Loan account opened at XXXX on XX/XX/XXXX account is shown as collection on one bureau only and not shown on Experian and Equifax collection account opened at XXXX on XX/XX/XXXX account is shown as in collection on Transunion only and not shown on Experian and Equifax Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account is shown late payment on Experian and Equifax only and not shown on Transunion Auto Loan account opened at XXXX on XX/XX/XXXX account is showing late payments on Experian and Equifax only and not shown on Transunion collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection on Experian and Equifax only and not shown on Transunion collection account opened at XXXX on XX/XX/XXXX account is shown as in collection and late payment on Equifax only and not shown on Transunion and Experian which is being inconsistently reported among the national credit bureaus 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 2025-04-28 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:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Loan account opened at XXXX on XX/XX/XXXX account is shown as collection on one bureau only and not shown on Experian and Equifax collection account opened at XXXX on XX/XX/XXXX account is shown as in collection on Transunion only and not shown on Experian and Equifax Credit Card account opened at XXXX XXXXXXXX on XX/XX/XXXX account is shown late payment on Experian and Equifax only and not shown on Transunion Auto Loan account opened at XXXX on XX/XX/XXXX account is showing late payments on Experian and Equifax only and not shown on Transunion collection account opened at XXXX XXXX XXXX on XX/XX/XXXX account is shown as in collection on Experian and Equifax only and not shown on Transunion collection account opened at XXXX on XX/XX/XXXX account is shown as in collection and late payment on Equifax only and not shown on Transunion and Experian which is being inconsistently reported among the national credit bureaus XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Valor Intelligent Processing, LLC
State: UT

Complaint narrative:
This collector is trying to collect on a debt that was settled last year. I had already filed a complaint with the CFPB regarding this account, and all XXXX did was sell my info/this debt to another agency when this was already settled ( CFPB Complaint Number - XXXX ) Now they are harassing me and calling my spouse 's number XXXX times a day. 

I've already notified them that this debt was settled last year in XXXX, and not only that, it was settled, but they purchased debt from XXXX that has already been dealt with! 

They are already breaking XXXX compliance and now threatening with more BS fees over something that has been taken care of ( refer to the other complaint number with CFPB ) This needs to be reported to the FTC for all these spam calls, and I notified them of XXXX not contact me again, only for them to text me links to make a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Upon reviewing my credit reports, I have identified that your company is furnishing information that is inaccurate, incomplete, and/or misleading. Specifically, the account is being reported as a credit loss/charge-off, but the reported details are incorrect for the following reasons : XXXXXXXX XXXX XXXXXXXX CHARGE OFF Under the Fair Credit Reporting Act ( FCRA ), you have certain legal obligations when furnishing information to consumer reporting agencies : 15 U.S.C. 1681s-2 requires furnishers like yourself to investigate disputed information and correct or delete any information that is found to be inaccurate or incomplete.

15 U.S.C. 1681e ( b ) requires that all information provided to credit reporting agencies must be maintained with the maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-04-28 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: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 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 2025-04-28 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: GA

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 explanation
Consumer complaint received 2025-04-28 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ XXXX  ] ) verifying that I am a victim of identity theft and that the The above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-04-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ XXXX  ] ) verifying that I am a victim of identity theft and that the The above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-04-28 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: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief