vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
I am filing a formal complaint regarding numerous inaccuracies on my credit report which are severely impacting my creditworthiness. These include an inaccurate address, multiple accounts showing erroneous late payments, one collection not belonging to me, and unauthorized hard inquiries. I have attempted to resolve these issues directly with the credit reporting agency, but they failed to properly reinvestigate. I request that the Consumer Financial Protection Bureau intervene and ensure these errors are removed under applicable laws. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address Law : FCRA 609 ( c ), 611 ( a ) ( 1 ) ( A ), and 602 ( a ) Issue : This is an erroneous address listed under a broken format and should be removed Story : This address is an inaccurate representation and adds confusion to my credit file, negatively affecting how lenders perceive my identity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address Law : FCRA 611, 607 ( b ), and 609 Issue : Military address that was never mine and was incorrectly added to my report Story : This military-related address is not part of my personal or professional records and presents a false affiliation that affects the integrity of my credit report I request immediate investigation into all the items listed above. Please ensure the credit bureaus comply with all applicable provisions under the Fair Credit Reporting Act and remove any and all inaccurate, unverified, or unauthorized items. I am attaching my ID and proof of address with this complaint for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
Hello, I am writing to formally dispute the student loan account referenced in a letter I recently received from MOHELA, dated XX/XX/year>, under the account number XXXX. 

My name is XXXX XXXX XXXX, and the notice was addressed to me at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I would like to state clearly that : I have never applied for, accepted, or authorized any federal student loan at any time. 

This letter has caused serious concern, and I believe this may be a case of mistaken identity or identity theft. I am requesting the following : A full record of any loan ( s ) associated with my name and/or account number.

The original application details, including the institution, disbursement date, and any identifying information used.

An immediate investigation into the legitimacy of the loan ( s ) tied to my name.

Written confirmation that you have removed any inaccurate information from your systems once resolved. 

Please consider this letter my formal dispute of the alleged loan and a request for verification under the Fair Credit Reporting Act ( FCRA ). If this is an instance of identity theft, I will also be reporting it to the FTC and credit bureaus. 

I respectfully request that you do not report this loan to any credit bureaus until this issue is resolved, and that to place a hold on any collections or further interest accrual. 

You may contact me at XXXX or ( XXXX ) XXXX if further verification is needed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I submitted a valid Identity Theft Report via XXXX, along with my government-issued ID and a utility bill, to Experian on [ insert exact date ].

I formally requested that Experian block and permanently delete the fraudulent accounts in accordance with FCRA 605B ( 15 U.S. Code 1681c2 ), which requires credit reporting agencies to act within 4 business days after receiving proper documentation.

The following accounts were opened fraudulently using my identity : XXXX XXXX XXXX ( Account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts do not belong toe, and I have never authorized or opened them. Despite my full documentation and request under federal law, Experian has failed to comply and has left these fraudulentaccounts on my report. 

I am attaching : A copy of my FTC Identity Theft Report A copy of my government-issued ID A recent utility bill in my name My formal dispute letter sent to Experian

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 2025-07-15 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2025-07-15 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
I opened a dispute and was still receiving communication notices from the collector without verification of the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I spoke with Experian in XXXX concerning removal of the dispute verbiage in the comments section of XXXX accounts. I applied for a mortgage loan and due to the dispute verbiage not being removed as requested. I even contacted the original creditor to have them also request removal. I was not approved for the mortgage because Experian filed another dispute instead of a removal of the verbiage. As of XX/XX/year>, I called Experian as the verbiage was still listed in the comments section even after making the request in XX/XX/year>. I was suited that the verbiage was removed and was sent by mail a copy of my credit report to substantiate the removal of the dispute verbiage. The report arrived and the verbiage was still in the comments.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with correct personal information Please find below my updated accurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
A collection account currently appears on my credit report that I am not responsible for. I did not authorize the debt in question, and I believe it is the result of fraudulent 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally dispute the collection account ( s ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent.

I have reason to believe that my personal information was obtained through a data breach, and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit XXXX is reporting a debt originally from XXXX Bank on my credit reports. This debt was sent to collections without any meaningful communication or notice from XXXX Bank beforehand. I was never contacted, informed, or given a chance to explain my situation before they turned the account over to a third party debt collector. 

During this time I have been under medical care and dealing with extreme physical and emotional stress. My health challenges made it difficult to manage my finances, and instead of reaching out to understand why payments had stopped, XXXX Bank violated my rights by forwarding my personal and financial information to Midland Credit without my permission or a signed authorization. 

This is a direct violation of the Fair Debt Collection Practices Act FDCPA 15 USC section 1692, which requires that debt collectors treat consumers fairly and communicate properly. They also violated 15 USC section 1692c subsection a by failing to give me a chance to communicate my hardship before escalating the matter. In addition, under 15 USC section 6801 of the XXXX XXXX XXXX XXXX, financial institutions are required to protect nonpublic personal information and may not share it with third parties without consent. 

By law XXXX Bank should have contacted me before sending this debt to collections, especially given my medical hardship. Their failure to do so along with XXXX XXXX attempt to collect a debt without verifying it with me first is not only unethical, it is unlawful. I am also preparing and sending a cease and desist letter to Midland Credit demanding that they stop all collection activity immediately as allowed under FDCPA section 805 subsection c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX CRED Account Number XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-15 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: NY

Complaint narrative:
Im extremely upset to find an unauthorized inquiry suddenly showing on my credit report this morning. This wasnt there before, and I have no idea how it appeared. Refreshing my browser didnt help at allit wouldnt go away. I need this matter to be looked into urgently and the documents I provided to be checked carefully so this issue can be resolved once and for all.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: AL

Complaint narrative:
I reached out to the company regarding in the student loans that does not belong to me. The address of the day is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of several derogatory accounts listed on my credit file, as they are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and do not meet the standards of complete, accurate, and verifiable information as required by law.

Under 15 USC 1681c-2, a consumer has the right to block information resulting from identity theft or incorrect reporting that causes damage. I have found that the following accounts are being reported inaccurately and are damaging my creditworthiness : Accounts : XXXX. XXXX Account shows inconsistencies across bureaus : marked as paid on TransUnion/Experian but open and XXXX  days late on Equifax. 
Status : Disputed and resolved, yet still reporting derogatory terms. 
Violation : Failure to update or remove disputed account under 1681i ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX XXXX reported with balance, even after dispute marked resolved consumer disagrees. 
Violation : Inaccurate post-dispute status, failure to block unverifiable data under 1681s-2 ( b ) and 1681c-2. 
XXXX. XXXX XXXX XXXX as open with current payment, yet under dispute and flagged. 
Dispute comments do not reflect accurate, consistent reporting.

Violation : Conflicting reporting violates 1681e ( b ) requiring maximum accuracy. 
XXXX. Unknown Account Reporting {$21000.00} XXXX ( possibly XXXX XXXX XXXX ) Still showing derogatory status, balance, and reinvestigation in progress comment. 
This violates 1681i as continued reinvestigation without resolution or correction after dispute response deadline is a failure of compliance.

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 2025-07-15 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: NC

Complaint narrative:
I am writing to formally dispute the accuracy and reporting of several derogatory accounts listed on my credit file, as they are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and do not meet the standards of complete, accurate, and verifiable information as required by law.

Under 15 USC 1681c-2, a consumer has the right to block information resulting from identity theft or incorrect reporting that causes damage. I have found that the following accounts are being reported inaccurately and are damaging my creditworthiness : Accounts : XXXX. XXXX Account shows inconsistencies across bureaus : marked as paid on TransUnion/Experian but open and XXXX  days late on Equifax. 
Status : Disputed and resolved, yet still reporting derogatory terms. 
Violation : Failure to update or remove disputed account under 1681i ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX XXXX reported with balance, even after dispute marked resolved consumer disagrees. 
Violation : Inaccurate post-dispute status, failure to block unverifiable data under 1681s-2 ( b ) and 1681c-2. 
XXXX. XXXX XXXX XXXX as open with current payment, yet under dispute and flagged. 
Dispute comments do not reflect accurate, consistent reporting.

Violation : Conflicting reporting violates 1681e ( b ) requiring maximum accuracy. 
XXXX. Unknown Account Reporting {$21000.00} XXXX ( possibly XXXX XXXX XXXX ) Still showing derogatory status, balance, and reinvestigation in progress comment. 
This violates 1681i as continued reinvestigation without resolution or correction after dispute response deadline is a failure of compliance.

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