vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report no later than XXXX business days after such information that I have provided. Accounts : XXXX Bankruptcy XXXX. XXXX Date reported : XX/XX/year> ; XXXX XXXX CT TX XXXX. Ref XXXX Date reported : XX/XX/year> ; FEDERAL Ref XXXX Date XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Reporting information on a consumers credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report. Because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report no later than XXXX business days after such information that I have provided. Accounts : XXXX Bankruptcy XXXX. XXXX Date reported : XX/XX/year> ; XXXX XXXX CT TX XXXX. Ref XXXX Date reported : XX/XX/year> ; FEDERAL Ref XXXX Date XXXX : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-31 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: AR

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Affirm Holdings, Inc
State: MI

Complaint narrative:
This complaint is for three companies. Affirm, XXXX XXXX, and XXXX. 

Affirm is reporting two alleged debts on my credit report that they previously sold to a third-party collector, XXXX. Despite no longer owning the debts, Affirm continues to report them, while XXXX is actively attempting to collect. 

This issue originally began when Affirm locked me out of my account for over XXXX months, preventing me from making payments or accessing my account. I contacted Affirm customer service multiple times and was told they could not accept payments over the phone and offered no resolution to the lockout. As a result, I was unable to make payments, and the accounts fell behind through no fault of my own. 

I also filed reports with XXXX during that time, explaining that I was locked out and Affirm refused to help. XXXX failed to take any action to assist or correct the situation. 

Once I learned the accounts had been sent to collections, I sent debt validation requests via certified mail to both Affirm and XXXX. I have proof of delivery confirming both companies received my letters. Neither has responded or provided validation, despite being legally required to do so. I also attempted to reach out via phone and email, with no reply. 

I later submitted multiple disputes with XXXX, providing documentation that : The debts were sold Neither company responded to certified validation requests Affirm caused the delinquency by locking me out and refusing support Despite all this, XXXX refuses to remove the XXXX unvalidated debts from my credit report. 

It has been over 60 days since my validation requests, and both Affirm and XXXX remain completely unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TrueAccord Corp.
State: MI

Complaint narrative:
This complaint is for three companies. XXXX, True Accord, and XXXX. 

XXXX is reporting two alleged debts on my credit report that they previously sold to a third-party collector, TrueAccord. Despite no longer owning the debts, XXXX continues to report them, while TrueAccord is actively attempting to collect. 

This issue originally began when XXXX locked me out of my account for over XXXX months, preventing me from making payments or accessing my account. I contacted XXXX customer service multiple times and was told they could not accept payments over the phone and offered no resolution to the lockout. As a result, I was unable to make payments, and the accounts fell behind through no fault of my own. 

I also filed reports with XXXX during that time, explaining that I was locked out and XXXX refused to help. XXXX failed to take any action to assist or correct the situation. 

Once I learned the accounts had been sent to collections, I sent debt validation requests via certified mail to both XXXX and TrueAccord. I have proof of delivery confirming both companies received my letters. Neither has responded or provided validation, despite being legally required to do so. I also attempted to reach out via phone and email, with no reply. 

I later submitted multiple disputes with XXXX, providing documentation that : The debts were sold Neither company responded to certified validation requests XXXX caused the delinquency by locking me out and refusing support Despite all this, XXXX refuses to remove the XXXX unvalidated debts from my credit report. 

It has been over 60 days since my validation requests, and both XXXX and TrueAccord remain completely unresponsive.

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 2025-03-31 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: UT

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: EQUIFAX, INC.
State: MN

Complaint narrative:
Credit Bureau : XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Credit Reporting Under FCRA Dear XXXX, I am writing to formally dispute the accuracy of a charge-off listed on my credit report under my account. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which provides consumers the right to dispute information that is inaccurate, incomplete, or unverifiable. 

The account in question is as follows : - Creditor Name : XXXX XXXXXXXX - Date of Charge-Off : XX/XX/year> - Creditor Name : XXXX XXXX, XXXX - Date of Late Payment : XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
I am filing a formal complaint against Mohela, the federal student loan servicer responsible for my account, due to their failure to honor a deferment agreement, improper credit reporting, and lack of customer support. Their actions have resulted in significant financial harm by inaccurately reporting my loan as more than 90 days delinquent despite my deferment approval. 
On XX/XX/year>, XXXX approved me for a six-month deferment on my student loan. Mohela took over my loan on XX/XX/year>, but failed to honor this agreement. Instead, they reported my account as delinquent, severely damaging my credit score and financial standing.

Issues with Mohelas Handling of My Loan : 1. Inaccurate Credit Reporting : Mohela falsely reported my account as more than 90 days past due, even though my loan was in an approved deferment period.

2. Denied Account Access : Despite Navient informing me that my login credentials would remain valid, Mohelas system does not recognize my account information.

3. Lack of Customer Support : I have made multiple attempts to contact Mohela by phone with no success and have been unable to access my loan details online.

4. Loss of Documentation : I can not retrieve my deferment approval paperwork from XXXX, as their website has been shut down. 
Requested Actions by the CFPB : Investigate Mohelas handling of my student loan and require them to correct their credit reporting errors immediately. 
Ensure that my credit report is updated to remove the false delinquency and reflect the deferment period granted by XXXX. 
Hold Mohela accountable for their failure to provide borrowers with accessible account management and customer support. 
Implement stronger oversight and consumer protections to prevent other borrowers from facing similar issues. 
Proposed that the remaining of ALL of my student loans be FORGIVING. 
Mohelas mishandling of my account has caused undue financial harm, and I am seeking the CFPBs intervention to ensure they correct their actions. I appreciate your attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I just recently looked at my credit report XXXX XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. [ XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXXXXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b

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 2025-03-31 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:
This is one of my multiple attempts to notify credit bureau that I am a victim of identity theft and that I want to query certain record in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IL

Complaint narrative:
This is XXXX of my multiple attempts to notify credit bureau that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$110.00} XXXXXXXX XXXX XXXX Original Creditor:XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union has frozen my funds which includes my payroll direct deposit. 

They said it was due to XXXX calling them to verify a wire transaction that I sent from my XXXX checking account to my XXXX XXXX checking account and that they are awaiting correspondence from XXXX to release my funds. 

After weeks and numerous phone calls, including a XXXX phone call with XXXX, telling Navy Federal that my wire was already verified and that a hold harmless letter was sent to Navy Federal XXXX XX/XX/year>. Navy Federal confirmed receipt of this letter that they said they needed to release my funds but my funds are still frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
I am requesting that all items on my credit report be disputed because I believe there may be inaccuracies or outdated information affecting my credit history. I am not sure which specific entries are incorrect, but after reviewing my report, I have concerns about the overall accuracy and completeness of the data being reported.

Here are some of the reasons I am requesting a full dispute : Potential Inaccurate or Outdated Information : I suspect that some of the information reported may not be accurate or current. This includes accounts that may have been settled, closed, or paid off but are still showing as
open or with incorrect balances.

Possible Fraud or Identity Theft : I have concerns that there may be fraudulent activity or identity theft associated with my credit report. I am unsure of whether all accounts and inquiries listed are truly mine, and I want to ensure that no unauthorized accounts or activity are being reported.

Lack of Clarity in Reporting : Some of the information on my credit report appears confusing or lacks sufficient detail. For instance, I am unsure whether certain accounts reflect accurate reporting of payments, credit limits, or terms. 

General Uncertainty About Report Accuracy : After carefully reviewing my credit report, I believe that a full investigation into all of the entries is necessary. I am seeking to ensure that everything listed on my credit report is accurate, complete, and up to date, as I can not confirm the accuracy of some of the reported items. 

Ensure Fair Treatment Under the FCRA : As provided by the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies or incomplete information. I want to ensure that my credit report is fully compliant with this law, and any items that are incorrect or unverifiable are corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
There has been so much FRAUD on my cash app account There has been unauthorized payments sent from my account along with hundreds of dollars of unauthorized debit card charges when I never lost my debit card in the first place. 

As you guys know by your recent ruling. They never investigated those payments that were not sent by me. Along with that after filing a dispute for the fraudulent debit card transactions THEY CLOSED MY ACCOUNT. 
I have put Thousands and thousands of dollars into this account, along with that my job sends my check direct deposit and that has become a headache for my recent check. 

This has been the biggest slap in the face instead of the bank having my back they shut my account and never helped me recover my stolen funds. 

They still do not have XXXX hours phone service it has just been a nightmare. I also would like advise on how to go about making sure I'm included in the settlement regarding this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: LA

Complaint narrative:
I was informed that my personal information was exposed under a security data breach and have since noticed erroneous entries on my personal credit report that were placed there without my consent. The false and erroneous entries are from the following companies : 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 2025-03-31 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} SUN XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: MI

Complaint narrative:
See Attached Dear Representatives, I have contacted the creditor about this situation to fix it and they refused to fix it. Can you please investigate and have the creditor to send proper documentation stating that this is correct? They are in violation of 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 non-monetary relief
Consumer complaint received 2025-03-31 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: MD

Complaint narrative:
After having reviewed my credit report, I noticed there are some incorrect late payments reporting on my consumer reports. It is imperative that the complete accuracy of what is reported has no errors. I have no missed payments on the following account .Account # : XXXX I am requesting a complete and thorough investigation into the discrepancies and please provide evidence of such as statements, demonstrating the lateness of payments, however, if you are unable to furnish this in time, as I have on a consistent basis done my part with my monthly payment obligations without delay.

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