vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts appearing on my consumer FICO credit reports, which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX NA on XX/XX/XXXX under the account number XXXX * * * *, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX * * * *, a collection account opened at XXXX on XX/XX/XXXX under the account number XXXX * * * *, and an auto loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX * * * *. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit reports. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-13 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: MS

Complaint narrative:
XXXX'Prosper XXXXImposter posing loan company fraudXXXX XXXX XXXXStole grabbed identity XXXXPosing as a personal loan XXXXGrabbed all license address XXXXBanking XXXX.closed XXXX XXXX checking already contacted bank still call to sketchy lie approve a loan. XXXXSay deposits on cash app to verify loan to be returned XXXXscam fraud'

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 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited XXXX XXXX ( crypto ) to robin hood. I sold the XXXX XXXX on robin hood then on XX/XX/XXXX I attempted to withdraw the money I got from it. The second I attempted to withdraw robin hood says they need to verify by bank statements again to which I provide my bank statements again that worked the first time. Now there telling my there going to close my account and have closed it. All my positions have been closed. and on XX/XX/XXXX they automatically withdrew {$40.00} to my bank account. I have emailed them about the rest and they said all remaining funds will be returned to the linked bank on robin hood. I have email them multiple times and heard this or they told me to do things on the app I don't have access to. There support team is very XXXX. I still have {$4000.00} locked away in my robin hood account which is a XXXX ton of money to me as I'm only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NE

Complaint narrative:
In XXXX, XXXX I submitted application through Student Aid to be switched from XXXX to a qualifying PSLF payment plan for XXXX. This application showed processing for months, now it shows " closed. '' MOHELA has not placed me into a forbearance processing/admin that qualifies towards XXXX, though send me disclosure stating my loans were processed into an income based plan and payments will begin XX/XX/XXXX. This was send in XX/XX/XXXX. My payment due date now shows XX/XX/XXXX without any update as to why this forbearance was continued despite multiple messages to them regarding to remove me from the XXXX forbearance. Student aid continues to reflect that my PSLF payments are stuck at XXXX though I have had qualifying employment at a non profit since XX/XX/XXXX, this is well past the XXXX payment qualifications. Also, in XXXX XXXX I submitted through the student aid website for " payback consideration '' to buyback payments since I was in this mandatory forbearance due to the XXXX issues. I have not received any communication on this application, nor true updates on my payment count. MOHELA is keeping me in this forbearance when I should be well over the XXXX qualifying payment months due to my > XXXX year employment which is up to date from my employer as of the end of XX/XX/XXXX. 


Their phone lines are so busy they don't adquately staff, I have tried to call but again I'm on hold for way too long to be normal. They also lack the ability to respond to email requests or update my account in more than XXXX months. I should also not have to spend XXXX hour on hold on the phone to try to reach someone regarding this account. They have the means to handle this with the several messages I have sent during this time. AND I can not even review my messages I've sent so there is no record for what I have sent to them. 

MOHELA updated systems and I have requests from when my loan transferred from FedLoans for multiple requests on refund payments I made during the COVID forbearance. They dismissed phone calls or requests to this because of it being a " new '' loan and now they've deleted any record of these communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
am formally disputing the accuracy and legal standing of the account listed above, currently reported by Jefferson Capital Systems. 

This account was opened as a result of a purchase through XXXX  and was first delinquent in or around XX/XX/year>. As such, I believe this account violates both XXXX XXXX reporting standards and the Fair Credit Reporting Act ( FCRA ) for the following reasons : 1. Statute of Limitations Expired in Arizona Under Arizona Revised Statutes 12-548, the statute of limitations for written contracts is six years. This debt is now beyond the legal time limit for collection enforcement and should no longer be reported or pursued. 
2. Incorrect Metro 2 Reporting The account is showing a past due balance, which is not appropriate for a collection account. Debt buyer accounts are not permitted to display past due or monthly payment fields as active under XXXX XXXX standards. This misrepresents the status of the account and misleads creditors and scoring models. 
3. Nearing FCRA Reporting Limit According to FCRA Section 605 ( a ), negative accounts must be removed seven years from the Date of First Delinquency ( DOFD ). This account is within months of that expiration, and early deletion is consistent with credit bureau practices and FCRA guidelines. 



Request for Deletion : Due to the reporting errors, legal expiration, and failure to provide proper written notification of this debt, I respectfully request that this account be removed from my credit file. If Jefferson Capital Systems can not verify its accuracy with complete and proper documentation including the chain of ownership and original DOFD it must be removed in accordance with FCRA Section 611.

I am requesting that Jefferson Capital be required to either validate this debt properly and correct its reporting under XXXX XXXX standards, or remove it entirely from my credit profile in compliance with federal and Arizona law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NV

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: SC

Complaint narrative:
Sold my house in XX/XX/XXXX. Loancare llc kept reporting late payments from XX/XX/XXXX to XX/XX/XXXX. I send letter with attachments that shows mistakes. They send me a letter saying that it takes XXXX  days to fix the problem. I recently was trying to get a mortgage but i was declined again because still showing late payments from XX/XX/XXXX to XX/XX/XXXX. Loancare llc does not have a customer service for this type of issues, you must submit everything by writing. The people XXXX the phone cant help in anyway. They failed to fix their mistake and its creating issues for me on my end. Here we are about XXXX  days with the same issue.

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 2025-05-12 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:
I am disputing an inaccurate late payment entry reported by XXXX XXXX XXXX on my XXXX XXXX and Equifax credit reports, Account Number : XXXX * * * *, dated XX/XX/year>, with a balance of {$1800.00}. This entry is not only incorrect but also likely the result of a data breach that exposed my personal and financial information. Given my diligent payment history, this entry is a significant misrepresentation of my financial responsibility and has unjustly damaged my credit profile. Late payments are one of the most critical factors affecting credit scores, and the presence of this inaccurate data is a severe breach of my consumer rights under the FCRA. 

Under XXXX5 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), credit reporting agencies are required to ensure the accurate reporting of late payment information. Continuing to report this erroneous late payment despite my clear dispute is a direct violation of these federal protections. This kind of negligence not only erodes consumer trust but also exposes individuals like me to unnecessary financial burdens, including higher interest rates, reduced access to credit, and ongoing financial distress. Given the significant impact of this error on my financial well-being, immediate corrective action is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I am disputing multiple inaccurate collection/charge-off entries on my Equifax credit report, including a XXXX account, Account Number : XXXX * * * *, dated XX/XX/XXXX, with a balance of {$0.00}, an XXXX account, Account Number : XXXX * * * *, dated XX/XX/XXXX, with a balance of {$1000.00}, and a XXXX XXXX account, Account Number : XXXX * * * *, dated XX/XX/XXXX, with an excessive balance of {$54000.00}. These accounts contain inaccurate information, which likely stems from compromised personal data, potentially linked to a data breach. This kind of inaccurate reporting is not only a clear violation of my rights under the FCRA but also a direct threat to my financial stability, making it more difficult for me to secure loans, mortgages, and other forms of credit. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed that Equifax has engaged in sham investigations, failing to properly reinvestigate disputed items as required by law. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough and reasonable reinvestigation of disputed information within XXXX days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. XXXX failure to adhere to these fundamental obligations is a direct violation of federal law, putting consumers like myself at significant financial risk. By allowing these inaccurate accounts to remain on my report without proper verification, Equifax is disregarding its legal responsibilities, exposing me to financial harm and undermining my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
Subject : Formal Dispute of Unauthorized Credit Reporting Violation of 15 U.S.C. 1650, FERPA, and FCRA To Whom It May Concern, This letter serves as a formal dispute regarding information that has been reported to a credit reporting agency, allegedly related to an education-based debt or account. I am asserting that this information was reported without my prior written consent, which constitutes a violation of several federal laws and regulations.

Legal Grounds for Dispute : 1. Violation of 15 U.S. Code 1650 ( Credit Card Accountability Responsibility and Disclosure Act ) : This law regulates credit extensions related to educational institutions. Any failure to clearly disclose terms or obtain proper authorization, especially when tied to a student account or service, may constitute a legal violation. I dispute the validity and
reporting of this account under these conditions.

2. Violation of FERPA ( Family Educational Rights and Privacy Act ) : Under FERPA, personally identifiable educational records can not be shared with third parties including credit bureaus without explicit, written consent from the individual. No such consent was given by me, and any credit reporting based on education-related information is unlawful under this act.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : FCRA mandates that only accurate, complete, and legally obtained information may be included in a consumers credit report. Since the reported information stems from an unauthorized release of educational data, it does not meet these legal standards.

Demand for Action : I request that the disputed item ( s ) be immediately removed from any and all credit reporting systems. Under the FCRA, you are required to conduct a thorough investigation within 30 days of receiving this dispute. Failure to address this issue in a timely and lawful mann
er may result in complaints being filed with the following agency : Federal Trade Commission ( FTC ) Consumer Response Center XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX Website : XXXX Phone : XXXX ( XXXX ) This notice is submitted in good faith. I expect confirmation of your receipt of this dispute and notification of the steps being taken to resolve it within the time required by federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-12 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: WI

Complaint narrative:
I am formally disputing the charge-off entry reported by XXXX  XXXX on both my XXXX  and Equifax credit reports, Account Number : XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, with a balance of {$480.00}. This account contains inaccurate information that is likely the result of a data breach, compromising my personal and financial details. The presence of this charge-off, despite the questionable accuracy of the reported balance, is unjustly damaging my credit profile and negatively impacting my financial stability. Charge-offs are among the most severe negative entries on a credit report, and the continued reporting of this inaccurate information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Under the FCRA, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681n, both XXXX  and Equifax have a legal obligation to ensure the maximum possible accuracy of the information included in consumer credit reports. This includes conducting a thorough and reasonable investigation of disputed items. Additionally, recent findings by the Consumer Financial Protectio
n Bureau ( CFPB ) have highlighted Equifaxs failure to properly investigate disputed accounts, raising further concerns about the reliability of the data being reported. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed i
tems within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued reporting of this inaccurate charge-off without proper verification is a clear violation of these legal requirements and a direct threat to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I dont recognize anything on my account Information is not correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am filing this complaint because of multiple serious inconsistencies and inaccuracies in how this account is reported by Jefferson Capital Systems across the XXXX major credit bureaus. Despite my attempts to dispute and resolve these errors, they remain uncorrected : Account Type Discrepancy XXXX : Open Account XXXX : Installment Debt Buyer XXXX : Open Account Status Code Errors XXXX XXXX XXXX  report a confusing term : XXXX. 

XXXX uses proper language : Seriously past due/ assigned to attorney or collection agency. 

Comments Discrepancy XXXX  : Account information disputed by consumer. 

XXXX : Account information disputed by consumer under the Fair Credit Reporting Act. 

XXXX  : Only reports COLLECTION ACCOUNT without indicating the active dispute. 

Inaccurate Date Reporting Date Last Active for XXXX XXXX XXXX is XX/XX/XXXX and XX/XX/XXXX, which is a future date and factually impossible. 

XXXX  lists XX/XX/XXXX, a past date, creating additional inconsistency. 

XXXX XXXX XXXXXXXX XXXX  reports a random OK status for XX/XX/XXXX, whereas all other months are coded CO ( Charge-Off ). 

XXXX XXXX XXXX do not show any similar OK status, which creates contradictory data. 

These discrepancies are clear violations of the Fair Credit Reporting Acts requirement for accurate and consistent data reporting. Reporting future dates and conflicting statuses is both inaccurate and misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate personal information and unauthorized inquiries on my credit report due to identity theft. I have identified several incorrect entries that violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2. I request the immediate investigation and removal of the following

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my credit report, there are many inaccuracies and things I do not recognize that I need removed immediately.

Company response to consumer: Closed with non-monetary relief