vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-08 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: CA

Complaint narrative:
I am writing to address concerns regarding the handling of my personal information by Equifax, TransUnion, and Experian, all of which are consumer reporting agencies.

According to the Fair Credit Reporting Act ( 15 USC 1681 ), specifically Section 602, it is essential that consumer reporting agencies fulfill their responsibilities with fairness and impartiality, while respecting consumers ' rights to privacy. As a consumer, I assert my right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to protect the security and confidentiality of their customers ' nonpublic personal information. Under this law, furnishers of information to credit agencies are designated as financial institutions.

Moreover, Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act specifies that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Equifax, TransUnion, and Experian, as consumer reporting agencies, do not have my consentwritten or verbalto share my information. Therefore, I hereby revoke any and all forms of consent previously provided to Equifax, TransUnion, and Experian and any furnishers of information.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their option to opt-out. I was not informed of my right to exercise this option.

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) states that consumer reporting agencies may not include adverse information in a consumer report if such information predates the report by more than seven years. The account in question is reported as an adverse item without my permission, which constitutes a violation o
f this regulation.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ), it is illegal for any person to furnish information to a consumer reporting agency if they have knowledge or reasonable belief that the information is inaccurate. Equifax, TransUnion, and Experian are not maintaining reasonable procedures to prevent violations of these laws, as outlined in 15 U.S. Code 1681.

I also wish to highlight that 12 CFR 1016.7 affirms my right to opt-out of your reporting services at any time. Therefore, I am formally opting out. 
Thank you for addressing my concerns regarding this serious matter. I look forward to your timely response.

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address concerns regarding the handling of my personal information by Equifax, TransUnion, and Experian, all of which are consumer reporting agencies.

According to the Fair Credit Reporting Act ( 15 USC 1681 ), specifically Section 602, it is essential that consumer reporting agencies fulfill their responsibilities with fairness and impartiality, while respecting consumers ' rights to privacy. As a consumer, I assert my right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to protect the security and confidentiality of their customers ' nonpublic personal information. Under this law, furnishers of information to credit agencies are designated as financial institutions.

Moreover, Section 604 ( a ) ( 2 ) of the Fair Credit Reporting Act specifies that any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Equifax, TransUnion, and Experian, as consumer reporting agencies, do not have my consentwritten or verbalto share my information. Therefore, I hereby revoke any and all forms of consent previously provided to Equifax, TransUnion, and Experian and any furnishers of information.

Additionally, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their option to opt-out. I was not informed of my right to exercise this option.

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) states that consumer reporting agencies may not include adverse information in a consumer report if such information predates the report by more than seven years. The account in question is reported as an adverse item without my permission, which constitutes a violation o
f this regulation.

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ), it is illegal for any person to furnish information to a consumer reporting agency if they have knowledge or reasonable belief that the information is inaccurate. Equifax, TransUnion, and Experian are not maintaining reasonable procedures to prevent violations of these laws, as outlined in 15 U.S. Code 1681.

I also wish to highlight that 12 CFR 1016.7 affirms my right to opt-out of your reporting services at any time. Therefore, I am formally opting out. 
Thank you for addressing my concerns regarding this serious matter. I look forward to your timely response.

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 2025-03-08 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: CO

Complaint narrative:
I recently reviewed my credit report and discovered unauthorized inquiries listed, which have negatively impacted my ability to apply for new credit. I request that the following inquiries be removed immediately 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 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 explanation
Consumer complaint received 2025-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital has made claims to closed my bank account but have yet to provide me the remaining balance of my funds of {$18000.00} capital one has only provided me a check {$1300.00} while my remaining balance of fund is a receiving interest payment I would urgently like to receive my funds and continue my personal banking with another financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
The creditor is Hyundai financial motors falsely reported eight missed payments on my credit report that are not accurate due to the fact that I was in a payment deferment and I was told that those will not count as missed payments. Ive for the past two years have been trying to get the late payments removed, and they will not remove them from my credit report even though they see in their system that I was put into a hardship program to prevent this from happening to me here are the dates for payment referral XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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: AK

Complaint narrative:
I was informed my IDR recertification needed to be complete by XX/XX/year>. I was informed via their messaging on XX/XX/year>. Their email states that they MUST inform me XXXX  days prior to my recertification being due. They did NOT give me XXXX  days notice nor have they processed my recertification yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: OK

Complaint narrative:
In XXXX of XXXX I signed up for credit repair through Lexington Law, they charged me up front to start working on my case XXXX. Lexington Law then continued to attempt to charge my card XXXX every XXXX weeks and I saw XXXX results on my credit repair. I reached out to cancel my account with them in XX/XX/XXXX, I received a confirmation email stating my account was cancelled but that I owed them XXXX they charged my card XXXX and XXXX after the cancel confirmation, they are now back to attempting to charge me XXXX after the cancel confirmation. Several emails have been sent to their client services telling them to stop trying to charge me, those have gone unanswered. I have documentation for all of these transactions and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am trying to retrieve my credit report and credit score from Experian, Equifax and Transunion, however its keeps coming back as blank and I have called Experian and Transunion multiple times to fix this issue and its still not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am trying to retrieve my credit report and credit score from Experian, Equifax and Transunion, however its keeps coming back as blank and I have called Experian and Transunion multiple times to fix this issue and its still not fixed

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 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Company was paid and full and reporting inaccurate information thats hurting my credit rating ask for deletion of this account ask for 1099-C all sign documentation related to this matter. 

I am writing to formally dispute the inaccurate information reported in my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I have reviewed my records and can confirm that the information you have on file is incorrect I request that you investigate this matter and correct the inaccuracies as soon as possible. Enclosed are copies of any relevant documents that support my claim. Please provide me with a written response confirming the outcome of your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 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 writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
I am filing this complaint because multiple creditors and credit bureaus have engaged in unlawful debt reporting, collection, and credit violations, resulting in financial harm and unfair treatment.

Despite my debts being legally discharged as confirmed by IRS Form 1099-C ( Cancellation of Debt ), the involved creditors continue to report these accounts as delinquent or active on my credit report, in violation of the Fair Credit Reporting Act ( FCRA - 15 USC 1681 ), Fair Debt Collection Practices Act ( FDCPA - 15 USC 1692 ), and Truth in Lending Act ( TILA - 15 USC 1601 ).

What Went Wrong : Debts that were canceled via 1099-C are still being reported as delinquent and open.

This misrepresentation falsely impacts my creditworthiness.

Accounts that should have aged off after 7 years are being illegally " re-aged '' to appear new.

This unfairly extends the impact of negative accounts beyond legal limits.

Creditors are reporting new late payments on accounts that are closed.

A closed account should not accumulate new negative marks.

Debt collectors are attempting to collect on time-barred debts beyond the statute of limitations.

These debts are legally uncollectible but remain on my reports.

Creditors pulled hard inquiries without my authorization.

Unauthorized credit inquiries damage my credit and violate FCRA.

Debts are being reported without proper validation or proof.

This violates FDCPA, as creditors must validate debts before reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-08 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: MO

Complaint narrative:
I am filing this complaint because multiple creditors and credit bureaus have engaged in unlawful debt reporting, collection, and credit violations, resulting in financial harm and unfair treatment.

Despite my debts being legally discharged as confirmed by IRS Form 1099-C ( Cancellation of Debt ), the involved creditors continue to report these accounts as delinquent or active on my credit report, in violation of the Fair Credit Reporting Act ( FCRA - 15 USC 1681 ), Fair Debt Collection Practices Act ( FDCPA - 15 USC 1692 ), and Truth in Lending Act ( TILA - 15 USC 1601 ).

What Went Wrong : Debts that were canceled via 1099-C are still being reported as delinquent and open.

This misrepresentation falsely impacts my creditworthiness.

Accounts that should have aged off after 7 years are being illegally " re-aged '' to appear new.

This unfairly extends the impact of negative accounts beyond legal limits.

Creditors are reporting new late payments on accounts that are closed.

A closed account should not accumulate new negative marks.

Debt collectors are attempting to collect on time-barred debts beyond the statute of limitations.

These debts are legally uncollectible but remain on my reports.

Creditors pulled hard inquiries without my authorization.

Unauthorized credit inquiries damage my credit and violate FCRA.

Debts are being reported without proper validation or proof.

This violates FDCPA, as creditors must validate debts before reporting.

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 2025-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an entry on my credit report related to a collection account from XXXX XXXX at the address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, with the phone number XXXX. According to my understanding of XXXX  XXXX law, I believe this entry has been inaccurately placed on my credit report. 
Details of the disputed entry are as follows : - Collection Agency Name : XXXX XXXX- Account Number : [ Insert Account Number - Date of Entry : XX/XX/year> XXXX - Amount : XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have not been provided with sufficient documentation to validate this debt, nor have I received proper notification as required by law. Therefore, I request that you investigate this matter and remove the collection entry from my credit report. 
Please find attached any relevant documents that support my dispute. I would appreciate your prompt attention to this matter and request a written response within 30 days as per the Fair Credit Reporting Act. 15 U.S CODE 1681 a XXXX XXXX has sold this fraudulent account where they stole my identity, I thought my account was frozen you blocked this creditor Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation