vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: MOHELA
State: IL

Complaint narrative:
Dear CFPB, I am filing a formal complaint regarding my student loan provider and the DOGE Department of Government Efficiencys alleged breach of student loan contracts and potential violations of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g. According to an article published by The XXXX XXXX on XX/XX/year>, my student loan information may have been improperly accessed, shared, or otherwise mishandled without my consent.

I request that the CFPB investigate this matter and ensure the following : 1. The immediate deletion of my student loan information from all relevant systems, databases, and third-party entities.

2. Accountability for any parties found to be in violation of FERPA, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, or other consumer protection laws.

3. Remedial action to prevent future breaches of student loan data and ensure compliance with applicable laws. 

Please contact me at XXXX for further information or documentation. I trust that the CFPB will take appropriate action to address this serious matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing a complaint regarding Barclays BankXXXX XXXX for inaccurate, non-compliant, and misleading credit reporting on my credit file. The account shows a charge-off yet continues to report monthly CO statuses, past-due balances, and delinquencies beyond the charge-off date. This violates XXXX XXXX, FCRA 1681e ( b ), and 1681s-2 ( b ). It also lacks the legally required Date of First Delinquency. This account is materially misleading and should be permanently deleted. Subject : Inaccurate Credit Reporting XXXX XXXX and FCRA Violations by XXXX, XXXX, XXXX, and Barclays Bank Delaware. 

I am filing a formal complaint against all three credit reporting agencies and Barclays Bank Delaware for continuing to report inaccurate and conflicting data for the BarclaysXXXX XXXX account . 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of Violation : XXXX  reports the account as " Open '' while XXXX XXXX XXXX  list it as " Charge-Off '' and " Closed ''. 

Payment history is re-aged after charge-off ( XXXX  lates ) violating FCRA and XXXX XXXX XXXX 

Conflicting dates of last activity and different credit limits across bureaus. 

{$430.00} past due reported post charge-off with no accurate update status.

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 2025-05-06 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: MA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX for inaccurate, non-compliant, and misleading credit reporting on my credit file. The account shows a charge-off yet continues to report monthly CO statuses, past-due balances, and delinquencies beyond the charge-off date. This violates Metro 2, FCRA 1681e ( b ), and 1681s-2 ( b ). It also lacks the legally required Date of First Delinquency. This account is materially misleading and should be permanently deleted. Subject : Inaccurate Credit Reporting Metro 2 and FCRA Violations by XXXX XXXX, TransUnion, and XXXX XXXX XXXX. 

I am filing a formal complaint against all three credit reporting agencies and XXXXXXXX XXXX XXXX for continuing to report inaccurate and conflicting data for the XXXX XXXX account . 

Account Numbers : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of Violation : XXXX  reports the account as " Open '' while XXXX and TransUnion list it as " Charge-Off '' and " Closed ''. 

Payment history is re-aged after charge-off ( XXXX lates ) violating FCRA and Metro 2 .

Conflicting dates of last activity and different credit limits across bureaus.

{$430.00} past due reported post charge-off with no accurate update status.

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 2025-05-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, the item must be removed from my credit report in accordance with federal law.

I have submitted a sworn affidavit confirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I formally request that you take immediate action to delete or block the affected items in order to prevent further escalation.

Should you fail to verify the item as required under the FCRA and continue to report it, I will be forced to pursue legal remedies, including actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the applicable statute is enclosed for your reference.

Please be advised that I reserve the right to initiate legal proceedings in any competent state or federal court, including small claims court within my jurisdiction. I trust that you will act promptly and in good faith to resolve this matter in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: ID

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the company below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I received a copy of my credit report from Experian & TransUnion and there is a hard inquiry I do not recognize and DO NOT GIVE PERMISSION TO PUBLISH. 

XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Please make the changes & send me an updated report showing it's removal.

According to the Fair Credit Reporting Act, a consumer 's credit information is only shared when they have given their express written consent. It protects consumers from unauthorized access to their credit reports. I DO NOT GIVE WRITTEN INSTRUCTIONS for THIS HARD INQUIRY to BE REPORTED and do not believe it was made by me.

And according to 15 USC 1681s-2 they are suppose to 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. Again, I do not give permission for this information to be published and it needs to be removed from 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 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I went to make a deposit at a Santander branch located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for US {$10000.00} from a payment given to me by my brother in law. I deposit the check through a bank teller, but the teller never acknowledge that the account being used for the deposit was XXXX, and the funds were retained until this present XX/XX/XXXX. 
After more than 40 phone calls, documents sent to the bank explaining the origin and legitimacy of the money, no further action has being taken and not explanation as of why Santander still wants and has the money in its possession and does not return the money to either the issuer of the check of me the recipient of the check. 
Abuse and overreach has been the policy applied by Santander ; mocking my answers, question and necessities; telling me no to call again, Over all of this, I understand that this is the United State of America and there is right and protection for the general public.

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 2025-05-06 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: SC

Complaint narrative:
The company did not do an accurate investigation, and did not comply with the laws that they are required to comply with.

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 2025-05-06 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: FL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Furthermore, any information found to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, the item must be removed from my credit report. 

I have submitted a sworn affidavit attesting that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I demand that you take immediate action to delete or block the affected items to avoid further escalation. 

Failure to verify the item in compliance with the FCRA, while continuing to report it, will leave me no option but to pursue legal action. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the relevant statute is enclosed for your reference. 

Please be advised that I reserve the right to initiate legal proceedings in any appropriate state or federal court, including small claims court in my jurisdiction. I expect this matter to be resolved promptly and in accordance with the law.

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 2025-05-06 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/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 2025-05-06 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: Paramount GR Holdings, LLC
State: MA

Complaint narrative:
I am formally disputing a GoodLeap LLC account ( Account # XXXX ) that is reporting inaccurately across all three credit bureausXXXX XXXX XXXX XXXXXXXX being settled and paid in full through court litigation proceedings earlier this year. This account was opened fraudulently without my knowledge or consent by my ex-wife, and I was not aware of its existence until I discovered it during a routine mortgage review. 

Upon legal resolution, I was explicitly told by the court and creditors counsel that the account would be reported as paid and updated across all credit bureaus. However, months later, it continues to reflect different balances, statuses, and derogatory coding across the bureaus. For example : XXXX  shows a charge-off of {$53000.00}, " profit and loss write-off '' as of XX/XX/XXXX, with XXXX months of CO coding. 

XXXX  shows the account as paid, but also still coded as a charge-off, and inconsistently reflects the last payment as XX/XX/XXXX, which is legally inaccurate. 

XXXX  states " PAID CHARGE OFF FIXED RATE '' but still reflects CO derogatory marks through XX/XX/XXXX, and the balance shows {$0.00} yet status is still " charge-off ''. 

This is a clear and willful violation of the Fair Credit Reporting Act, including : FCRA 607 ( b ) failure to report with maximum possible accuracy FCRA 623 ( a ) ( 2 ) failure to update or correct incomplete or inaccurate information XXXX XXXX  Compliance Guidelines inconsistent or misleading status/payment history across XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX must conduct independent, thorough reinvestigations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr. XXXX ) reporting misleading payment status post-resolution is unlawful Additionally, the creditor was instructed through litigation to submit deletions or corrections, which has clearly not been fully honored. This is now materially harming my mortgage qualification process, suppressing my XXXX XXXX, and exposing me to financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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 am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate or outdated information be permanently deleted from my credit profile. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$350.00} XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts and inquiries listed on my credit report. I assert that these items are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate or outdated information be permanently deleted from my credit profile. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$350.00} XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year>

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 2025-05-06 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. The disputed item ( s ) include : Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable. 

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

ALLY FINANCIAL 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 2025-05-06 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX Balance : {$2600.00} 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief