vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-01 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:
Subject : Final Notice Demand for Full Compliance with FCRA 605B and Immediate Deletion of Fraudulent Accounts To Whom It May Concern, This correspondence serves as a final notice to Equifax and a formal statement of complaint to the Consumer Financial Protection Bureau regarding Equifaxs repeated and willful failure to comply with the Fair Credit Reporting Act, particularly 15 U.S.C. 1681c-2 ( FCRA 605B ), which mandates the blocking of information resulting from identity theft upon proper notification. 

This issue is not new. In XXXX, I filed and successfully settled a lawsuit against Equifax, resulting in a monetary settlement for Equifaxs failure to remove fraudulent accounts from my credit file. Despite that litigation and resolution, Equifax has continued to allow false and damaging information to persist on my credit report. Even after submitting my FTC Identity Theft Report ( No. XXXX ) and the official identity theft report from the XXXX XXXX Police Department, Equifax has failed to properly code my file or appropriately flag it for special handling as a verified identity theft victim. 

The failure to do so is not only grossly negligentit appears to be willful, placing profit over compliance, as Equifax continues to rent out tradeline space to financial institutions, regardless of the accuracy or legitimacy of the information displayed. 

As of the date of this letter, the following fraudulent accounts remain improperly listed on my Equifax report : XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX. XXXXXXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX / XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX These accounts are specifically listed and detailed in my FTC Identity Theft Report and supported by notarized documentation and police reports, all of which have been previously submitted and are re-attached here for review. 

I demand that these accounts be deleted within four ( 4 ) business days from the date of this notice. Failure to do so will result in the initiation of a new legal action and a formal complaint filed with both the CFPB and the Federal Trade Commission, documenting a pattern of noncompliance and disregard for federal consumer protection law.

This is not a routine dispute. This is a documented case of identity theft involving prior legal action, a federal complaint history, and official law enforcement reports. Equifax has no legal justification to continue reporting this information, and every day it remains on file constitutes a willful violation of my rights under federal law. 

Please treat this matter with the urgency and gravity it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I am formally disputing the validity of a student loan debt that your office claims originated in XXXX  with an original principal of {$500.00} and has since accrued to a balance of {$1000.00}, including interest. According to your records, this loan is currently in default. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and other applicable federal laws, I am requesting that you provide written validation and supporting documentation for this alleged debt. Specifically, I am requesting the following : 1. A copy of the original, signed Master Promissory Note ( MPN ) that includes my full legal name and signature. 
2. Complete and detailed information regarding the loan, including : The name of the original lender The exact date of origination The amount originally borrowed A full disbursement and payment history, including how interest and fees were calculated over time I discovered this alleged debt only upon reviewing my federal student aid records on StudentAid.gov. I was never notified in writing, by phone, or electronically that this debt existed or had entered default status. Furthermore, when attempting to obtain a copy of the Master Promissory Note through StudentAid.gov, I was informed that no record of the MPN exists.

In accordance with the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) and Department of Education policy, a loan without a valid, signed Master Promissory Note is not legally enforceable. Without verifiable documentation, you may not lawfully attempt to collect on this debt.

Therefore, I demand the following : That this account be formally closed That all attempts to collect this debt immediately cease and desist, as continued efforts without proper validation would constitute a violation of the FDCPA That this alleged debt be removed from any credit reporting agencies, in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Please treat this letter as a formal dispute under the FDCPA. Until the above documentation is provided and the debt is properly validated, you must suspend all collection activities, including any reporting to credit bureaus.

I expect a written response within 30 days of receipt of this letter. If you fail to provide the required documentation, I will consider this matter closed and take appropriate action to protect my legal rights.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of certain accounts on my credit report. These accounts were fraudulently opened while I was incarcerated, and I had no ability to authorize or conduct any financial transactions during that time. By continuing to report these accounts, you are supporting fraudulent activity. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account and have not received any communication regarding it. I request that you provide validation for this account, including the original creditors information and any supporting documentation. If validation can not be provided, I request that this account be removed from my credit report. 


Unauthorized Inquiries : 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 I request that these accounts be removed from my credit file immediately. Enclosed, you will find copies of supporting documents, including my identification and relevant incarceration records. 
Please investigate this matter and correct my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation within 30 days. Kindly send me a written statement confirming the removal of these accounts. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy of certain accounts on my credit report. These accounts were fraudulently opened while I was incarcerated, and I had no ability to authorize or conduct any financial transactions during that time. By continuing to report these accounts, you are supporting fraudulent activity. 
The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have no knowledge of this account and have not received any communication regarding it. I request that you provide validation for this account, including the original creditors information and any supporting documentation. If validation can not be provided, I request that this account be removed from my credit report. 


Unauthorized Inquiries : 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 I request that these accounts be removed from my credit file immediately. Enclosed, you will find copies of supporting documents, including my identification and relevant incarceration records. 
Please investigate this matter and correct my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation within 30 days. Kindly send me a written statement confirming the removal of these accounts. 
Thank you for your prompt attention to this matter.

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 2025-05-01 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
XXXX said the account is in an active collection status but on my report it says it's closed and written off for {$14000.00} so the information they are reporting to the cras is not accurate. They also said they partner with specific collections agencies I didn't consent to them having my personal or private information. that's against the law for them to do so without my permission. You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied for a Capital One Venture credit card in XXXX and received it in the end of XXXX, but the account was closed by Capital One due to suspected fraud within 24 hours of activation. I never had the opportunity to use the card or benefit from its services. Despite the immediate closure, Capital One still charged me a membership fee ( XXXXXXXX XXXX XXXX and then a past due fee ( XXXX XXXX  ) for not paying it. 
I called to dispute these charges, but they have not been resolved. I find it unacceptable to be billed for an account I could not use, especially under circumstances outside of my control. 
I am requesting that all charges be reversed and that no negative information be reported to the credit bureaus, as this could unfairly impact my credit. 
I believe this practice is unethical and possibly predatory, especially toward new cardholders who have not used their accounts. I am submitting this complaint so the CFPB can help investigate and resolve the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXX TransUnion CREDIT TECH XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXX TransUnion FACTUAL DATA XX/XX/XXXXXXXX XXXX VIBRANT CREDIT UNION XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/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 Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
The account is closed, some how XXXX XXXX has been putting misinformation on my credit report, I never put money down, nor signed and paperwork with that company, I brought the car from XXXX XXXX XXXX XXXX. XX/XX/XXXX. And on XX/XX/XXXXXXXX  to XX/XX/XXXX there still saying Im responsible for a paid off car, and this false information has stopped me from even renting a place, business loans etc. and I reported it as fraud, and they stated it a cause of double financing by the car lot, as if thats not fraudulent.

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 2025-05-01 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: FL

Complaint narrative:
My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: ID

Complaint narrative:
I have been trying to obtain my Transcripts for the credits I earned while I attended XXXX from XXXX, in hopes those could be counted at my community college I ended up enrolling into. Every time I have contacted the Student Registers office they have juggled me around form person to person ; they have told me I have a loan past due so they can not release my transcripts. It has been hindering over my head for years. I have had to retake classes and waste my loan aid I get granted so I can get credit for a class I have passed already. I contact them once a year in hopes something can be changed but every time they explain to me the same thing. I have a past due loan and there for I can not be released my transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
This is a formal amendment to my prior complaint XXXX regarding the reporting practices of XXXX XXXX XXXX XXXX specifically concerning the charge-off timing on my account. XXXX responded by stating that my account was charged off in XXXX XXXX XXXX  days after a missed payment in XX/XX/XXXX, in line with regulatory policy. However, this is inconsistent with what appears on my Experian credit report. My Experian report shows : A payment was made in XX/XX/XXXX, No data reported for XX/XX/XXXX, First delinquency reported as XXXX  days late in XX/XX/XXXX. 
This clearly contradicts XXXX stated basis for the charge-off timeline. A charge-off based on an XXXX delinquency would only reach XXXX  days by XX/XX/XXXX falling short of the required XXXX days under federal guidelines Under FCRA XXXX ( b ), once a consumer initiates a dispute, the furnisher is legally required to : conduct a reasonable investigation, review all relevant information, and correct or delete any information that is inaccurate or can not be verified. Despite my raising a valid concern about the timing of the charge-off and discrepancies between credit reports, XXXX failed to cross-reference the information they furnished to Experian. They simply reiterated their policy this does not satisfy the FCRA 's requirement for a reasonable investigation.Thank you for your assistance in ensuring that furnishers uphold their legal obligations and report only fully verified and truthful information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have five different loans with XXXX XXXX, the company notified the credit bureaus that the loans were 90 delinquent in XX/XX/year>, as a result my credit score has dropped by over XXXX points based on various FICO scores. In addition, serious adverse marks are now appearing on my credit report negatively impacting my ability to get future credit and increasing current credit costs for me. 

All these bureau reporting were made in error by XXXX XXXX, I was never contacted or notified of any delays in payments. I have an auto-pay set up and the company dropped this auto-pay without any notification. 

When I finally found out as a result of a credit alert, I immediately contacted XXXX XXXX, made all the past-due payments showing up and requested that XXXX XXXX fix the erroneous credit bureau reporting adversely impacting my credit reports. However, they would not accept the complain on the phone and fix these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief