vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. Experian Information Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-03-20 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: AZ

Complaint narrative:
These accounts were fraudulently opened using my personal information without my knowledge or authorization. As a consumer, I have the legal right to demand that these accounts be permanently removed from my credit file.

I DEMAND the following actions be taken immediately : DELETE these fraudulent accounts from my credit report.

BLOCK these accounts under FCRA 605B to ensure they do not reappear.

PROVIDE WRITTEN CONFIRMATION that these accounts have been removed.

SEND AN UPDATED COPY OF MY CREDIT REPORT reflecting these deletions.

Enclosed, I have included the following supporting documentation : A copy of my identity theft report filed with law enforcement.

A copy of my government-issued ID to verify my identity.

A copy of my credit report with the fraudulent accounts highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 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: CO

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team from the Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including finanial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX dollars were stolen from my Wells Fargo account and sent to some XXXX  XXXX XXXX account via XXXX XXXX. I think my information was stolen through a computer virus, I scanned my computer with XXXX XXXX and it said it found something. I reported this on the same day it was scheduled on my account, a day before the date it was scheduled for ( XX/XX/XXXX ) and told Wells Fargo to cancel this and not let it go through. They let it go through anyways. I reported the incident to the police today, XX/XX/XXXX. Wells Fargo says they are investigating and it can take up to 10 business days ( two weeks ). They refuse to cancel the transaction or give me any sort of credit in the meantime, which means I have only XXXX dollars right now. I need my money to pay my mortgage in 7 business days, on 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 monetary relief
Consumer complaint received 2025-03-20 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 was alarmed that there are inaccurate late payment remarks on my report.

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 2025-03-20 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: PA

Complaint narrative:
I am filing this complaint against XXXX, TransUnion, Experian, and Equifax for XXXX violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws related to the reporting of an account on my credit report. 

The account in question, listed under XXXX, has been reported with multiple inaccuracies and violations as follows : FCRA Violation - Inaccurate Reporting ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : This account is reported as " XXXX XXXX '' and " Purchased by Another Lender '' simultaneously. 
If the debt was sold, the original creditor must report a XXXX balance and remove themselves from my credit file. 
The continued reporting of a balance is false and misleading. 
FCRA Violation - No Permissible Purpose ( 15 U.S.C. 1681b ) : If the debt was sold, but multiple companies are reporting it, this indicates an issue with permissible purpose under the FCRA.

The reporting party may not have the legal right to report this debt any longer.

FCRA Violation - Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 4 ) ) : Charge-offs can not be reported longer than XXXX years from the date of first delinquency.

If this account has been re-aged, it is an illegal extension of negative reporting. 
FDCPA Violation - False & Misleading Information ( 15 U.S.C. 1692e ) : This account is being misrepresented, leading to confusion about its ownership and status.

If the original creditor no longer owns the debt, they should not be reporting. 
FCRA Violation - Failure to Correct Errors ( 15 U.S.C. 1681i ) : If I have disputed this previously, the reporting agencies failed to investigate properly, which is a violation of my consumer rights.

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 2025-03-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
Since yesterday morning, XX/XX/year>, I have been trying to gain access into my XXXX investment account with no success. It appears that they have my old email and phone number that I longer have access to. I've tried calling customer support but they continue to send information ( about XXXX  times ) to my old email which has done nothing to help me gain access to my account. After a very lengthy phone call where nothing was done, I was given an email address from XXXX support that I could contact regarding my problem while including my case details. The email is support XXXX. Since emailing them XXXX this morning XX/XX/year>, and early afternoon, no one has contacted me or reached out. I feel like no one really wants to help me with my issue accessing my account or is taking me seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Property Receivables, Corp
State: NY

Complaint narrative:
I disputed a debt with XXXX on XX/XX/year> and while the dispute is still pending, the debt collector contacted me via text message on XX/XX/year> asking for payment. This is a violation of FCRA and FDCPA rules, as collection activity should be paused during an active dispute. I request that the CFPB investigate this violation and ensure the debt is properly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 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 2025-03-20 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: OH

Complaint narrative:
For about 9 years there has been a credit card listed on my report that i never opened. This account has been used fraudulently resulting in a large balance reported on my credit report. The account " XXXX XXXX was opened on XX/XX/XXXXXXXX  with a balance of {$22000.00}. I first discovered this back in XXXX. I had no knowledge of this account prior.

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 2025-03-20 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: OH

Complaint narrative:
For about 9 years there has been a credit card listed on my report that i never opened. This account has been used fraudulently resulting in a large balance reported on my credit report. The account " XXXX XXXX was opened on XX/XX/XXXXXXXX  with a balance of {$22000.00}. I first discovered this back in XXXX. I had no knowledge of this account prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I discovered that my personal information was compromised and used without my permission. The unauthorized activity began on XX/XX/year>, when I noticed when i called a credit fixer and they run a credit report for me. Upon reviewing my records, I found that an account was opened in my name without my consent, and it currently shows XXXX missed payments. I did not authorize the opening of this account, nor am I responsible for the missed payments associated with it. 

I believe my personal information was stolen and i am currently taking action with steps to report the incident to syncb/amazon, XXXX, and XXXX. 

I am requesting that the missed payments be removed from my credit report, and my personal information be protected from further misuse. I am also taking steps to monitor my credit to prevent future identity theft.

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 2025-03-20 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: PA

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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2025-03-20 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: EQUIFAX, INC.
State: PA

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 information, other than records of convictions of crimes which antedates the report by more than XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
I have called the collection company and credit bureau for medical bill to be remove MCA MANAGEMENT COMPANY.. XXXX. XXXX. {$1700.00}. The medical bill law that came in affect XXXXXXXX  to remove medical bills from credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 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:
I am formally disputing several unauthorized and unverified hard inquiries that have appeared on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, hard inquiries should only appear on my report if I have explicitly authorized them. However, I have identified multiple inquiries that I do not recognize or did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several unauthorized and unverified hard inquiries that have appeared on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, hard inquiries should only appear on my report if I have explicitly authorized them. However, I have identified multiple inquiries that I do not recognize or did not consent to.

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 2025-03-20 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Against Experian for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally request the removal of inaccurate and improperly reported collection accounts from my credit report maintained by Experian. Despite my prior disputes, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by not providing proper validation of the debts listed below within the legally required timeframe. 

Accounts in Question : a. XXXX  XXXX - {$2300.00} | Account # : XXXX b. XXXX - {$2200.00} | Account # : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX - {$19000.00} Violation Details : Under 15 U.S.C. 1692e, debt collectors and credit reporting agencies must not engage in deceptive or misleading practices, including failure to provide timely validation of a debt upon request. Experian has taken longer than the legally allotted 30 days to validate the debts and has not provided sufficient documentation to verify the accuracy of these accounts. As a result, these collections should be immediately removed from my credit file. 

Requested Resolution : I formally request the deletion of the above accounts from my credit report due to Experians failure to comply with federal consumer protection laws. If Experian does not comply, I will escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ) and consider further legal action.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of these accounts from my credit report. Please respond in writing within 15 days of receipt of this letter. 

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
Consumer complaint received 2025-03-20 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: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Against Experian for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally request the removal of inaccurate and improperly reported collection accounts from my credit report maintained by Experian. Despite my prior disputes, Experian has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by not providing proper validation of the debts listed below within the legally required timeframe. 

Accounts in Question : a. XXXX  XXXX - {$2300.00} | Account # : XXXX b. XXXX - {$2200.00} | Account # : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX - {$19000.00} Violation Details : Under 15 U.S.C. 1692e, debt collectors and credit reporting agencies must not engage in deceptive or misleading practices, including failure to provide timely validation of a debt upon request. Experian has taken longer than the legally allotted 30 days to validate the debts and has not provided sufficient documentation to verify the accuracy of these accounts. As a result, these collections should be immediately removed from my credit file. 

Requested Resolution : I formally request the deletion of the above accounts from my credit report due to Experians failure to comply with federal consumer protection laws. If Experian does not comply, I will escalate this matter by filing a formal complaint with the Federal Trade Commission ( FTC ) and consider further legal action.

I appreciate your prompt attention to this matter and look forward to receiving confirmation of the removal of these accounts from my credit report. Please respond in writing within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: eMoneyUSA Holdings, LLC
State: WI

Complaint narrative:
Text message to reduce debt account sent to me at XXXX pm XX/XX/year> by a XXXX XXXX from emoneyusa. She demanded I contact her without a company phone number listed or email to verify legitimacy of her actions. To pay XXXX percent of an unknown balance on the account. ( XXXX ) XXXX is the number I was text from. I asked for verification of debt and asked for her to verify she was taking about the account on my credit report. No verification was given as well as she never verified any of my personal details. Since XX/XX/XXXX I have heard nothing from the company or received any account status updates, bills or notices. They have no online account access available and now demand settlement without verifying account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation