vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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:
Please see Supporting documentation pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
Subject : Formal Dispute & Demand for Method of Verification Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear TransUnion Legal Department, This letter serves as my formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am disputing the accuracy and validity of the following accounts and inquiries that continue to appear on my TransUnion credit report, despite my previous dispute filed on XX/XX/XXXX. 

Your failure to conduct a proper reinvestigation and failure to remove or verify these accounts constitutes a willful violation of federal law. The Consumer Financial Protection Bureaus lawsuit against TransUnion ( CFPB v. TransUnion, Case No. 1:22-cv-01880 ) confirms that your organization has engaged in repeated misconduct, including failing to properly resolve consumer disputes. 

Disputed Accounts ( Require Immediate Deletion or Verified Documentation ) : XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXXXXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX DEPTEDXXXX Acct # XXXX Unauthorized Hard Inquiries ( Must Be Deleted Immediately ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Legal Demand for Verification and Action : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am demanding that TransUnion provide, within 15 calendar days : The method of verification for each of the above-listed items ; A complete description of the reinvestigation process used; All documentation received from furnishers that supports continued reporting of each item.

If you are unable to verify any item or inquiry listed above, the FCRA requires you to delete them under 15 U.S.C. 1681i ( a ) ( 5 ).

Failure to Comply Will Result In : Formal complaints filed with the CFPB, FTC, and New Jersey Attorney Generals Office ; Legal action for willful and negligent non-compliance under 15 U.S.C. 1681n and 1681o ; Demand for statutory, actual, and punitive damages for failure to protect my consumer rights.

This letter is a final warning. TransUnion must comply with its legal obligations under the FCRA. If you fail to respond in full, I will initiate all available remedies.

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 2025-03-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report two fraudulent accounts appearing on my consumer FICO Equifax credit report, 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 account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and an XXXXXXXX XXXX account opened at 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 FICO credit report. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: VA

Complaint narrative:
Equifax violated the Fair Credit Reporting Act by verifying a disputed debt before receiving the identity documents they requested from me. I disputed a {$9000.00} collection account on XX/XX/scrub> 2025. Equifax responded asking for identity verification. I mailed the documents via certified mail on XX/XX/scrub> 2025. XXXX tracking confirms the documents were delivered to Equifaxs XXXX XXXX XXXX XX/XX/year>2025, but they were never picked up and are being returned to me on XX/XX/XXXX. Despite not receiving the verification documents, Equifax mailed me a letter stating the debt was verified and the dispute was closed on XX/XX/XXXX, XXXX day before my documents were even delivered. This is a clear violation of the FCRA, as they verified a debt without proper identity confirmation or full investigation. I also called Equifax today XXXX XXXX2025 and was told the dispute was verified on XX/XX/XXXX. The rep could not find my dispute using my confirmation number. I informed them I would file this complaint and seek legal counsel. I want the collection account removed, a full investigation into this mishandling, and enforcement of FCRA protections. Im attaching the letter from Equifax and XXXX tracking proof. I followed all instructions and deadlines. Equifax did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I paid off XXXX XXXX  with Nelnet but they are still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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 writing to let you know that I am a victim of identity theft, someone use my information without my permission and there are accounts on my credit report that I didnt open. according to 15 U.S.C. 1681c-2 ( a ) of the fair credit reporting act, I have the right to ask to block and delete these accounts from my credit report within four business days. ( Please delete and block these accounts before I seek litigation for defamation of character. ) XXXX XXXX {$7200.00}XXXX XXXX XXXX balance {$720.00}, XXXX XXXX XXXX  balance {$210.00}, XXXX XXXX XXXX {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to let you know that I am a victim of identity theft, someone use my information without my permission and there are accounts on my credit report that I didnt open. according to 15 U.S.C. 1681c-2 ( a ) of the fair credit reporting act, I have the right to ask to block and delete these accounts from my credit report within four business days. ( Please delete and block these accounts before I seek litigation for defamation of character. ) XXXX XXXX {$7200.00}XXXX XXXX XXXX balance {$720.00}, XXXX XXXX XXXX  balance {$210.00}, XXXX XXXX XXXX {$1700.00}.

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 2025-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint to CFPB for Noncompliance with Federal Laws by Credit Bureau ( Equifax ) Dear CFPB Representatives, I am writing to formally file a complaint against XXXX, XXXX, and Equifax for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically according to 15 U.S.C. 1681c-2, 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is my second formal dispute regarding an erroneously reported account on my credit reports. The initial dispute was submitted due to inaccuracies, but the bureau mentioned above have failed to adequately investigate, validate the debt, and timely remove this account. 

Enclosed is an official identity theft report issued by the FTC ( FTC REPORT # XXXX ), which supports my claim. 

The fraudulent account that I demand be immediately removed is as follows : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/year>2024 Balance : {$190.00} I have repeatedly requested validation of this debt under FDCPA 1692g, yet after more than 30 days, I have received no response, clearly violating this law. Furthermore, under FCRA ( 15 U.S.C. 1681c-2 and 1681i ), the bureaus had an explicit obligation to remove this inaccurate information following my initial dispute.

I request the immediate intervention of the CFPB to ensure that Equifax comply with the law by permanently removing this fraudulent information from my credit reports.

Thank you for your prompt attention and immediate intervention in this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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:
Please see supporting documentation pertaining to XXXX data breach

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 2025-03-23 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: DC

Complaint narrative:
I submitted my documents, as well as my dispute to a fax number that was provided to me by your reps on XX/XX/XXXX, they gave me the fax number of XXXX. I submitted my dispute my utility bill, my Social Security card as well as my passport. I submitted a request for a dispute on XX/XX/XXXX or XX/XX/XXXX through the CFPB, which I did attach my Social Security card my passport, my utility bill as well as the information that I wanted disputed and removed. 

Due to my information being in a data breach and me receiving a settlement from XXXX and theres fraudulent information on my consumer report with yall I demand that you all delete that information within 4 business days.

I have reattached the same documents to verify my identity. If this information is not removed within four days, I will take matters in initiating arbitration and taking other legal remedies due to the negligence on clarities behalf as well as seek relief for damages It is clarity duty to have the most accurate information on my consumer 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 2025-03-23 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: WA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against DeptEdXXXX, XXXX, Equifax, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: WA

Complaint narrative:
Subject : Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against DeptEdXXXX, Experian, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

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 2025-03-22 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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
XXXX XXXX request for XXXX XXXX forgiveness amid the massive data breach raises significant concerns about data privacy and the integrity of financial systems. XXXX  a high-profile figure, leveraging such a breach to seek loan relief not only underscores the potential exploitation of sensitive information but also highlights the pressing need for stronger cybersecurity measures to protect individuals financial data from misuse in a growing era of digital vulnerabilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I submitted a letter requesting goodwill forgiveness and removal of late payments on a leased vehicle that belonged to my ex-husband in which it was court-ordered that I be void from any responsibility for the vehicle or payments prior to late payments being made. I sent the divorce decree showing this order as well as a XXXX XXXX document signed by attorneys stating that I was to be absolved of this account and Nissan has refused to remove the late payments from my credit report. I can not purchase a vehicle due to this reporting on my credit and this was not a reflection of my personal payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
Subject : Formal Complaint to CFPB for Noncompliance with Federal Laws by Credit Bureaus ( Experian ) Dear CFPB Representatives, I am writing to formally file a complaint against XXXX, Experian, and XXXX for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically according to 15 U.S.C. 1681c-2, 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is my second formal dispute regarding an erroneously reported account on my credit reports. The initial dispute was submitted due to inaccuracies, but the bureaus mentioned above have failed to adequately investigate, validate the debt, and timely remove this account. 

Enclosed is an official identity theft report issued by the FTC ( FTC REPORT # XXXX ), which supports my claim. 

The fraudulent account that I demand be immediately removed is as follows XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$190.00} I have repeatedly requested validation of this debt under FDCPA 1692g, yet after more than 30 days, I have received no response, clearly violating this law. Furthermore, under FCRA ( 15 U.S.C. 1681c-2 and 1681i ), the bureaus had an explicit obligation to remove this inaccurate information following my initial dispute. 

I request the immediate intervention of the CFPB to ensure that Experian comply with the law by permanently removing this fraudulent information from my credit reports.

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