vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX * * * Balance Owed : {$170000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: OR

Complaint narrative:
I was alerted on XX/XX/XXXX, by " XXXX '' that my Equifax that a descriptor change on my XXXX XXXX Account that reduced my credit score by XXXX points. On XX/XX/XXXX, I received an alert that my Transunion score had been reduced by XXXX points as well. 
The descriptor change was that the account was charged off. I immediately looked at my account online and it showed that my account was in good standing as it has always been. I called XXXX XXXX and emailed them. They said they were going to investigate the matter and that I would receive a confirmation email. I did no receive anything. I filed a dispute with Equifax and Transunion because I didn't feel confident that XXXX was going to investigate the issue. 
I received an email this morning - ( XX/XX/XXXX - from Equifax stating that the the had been made, so far to my Equifax and TransUnion reports stating that my request was complete. A report was provided that still showed that my account was charged off. It also erroneously showed that I owed {$21.00} more than my total available credit of {$900.00} ; {$920.00}. 
This is not correct. I actually have an available balance of {$330.00} and have total balance due of {$560.00}. 
I am working toward purchasing a home this year and this is really harmful. I have copies of my statements and screenshots showing that my account has always been in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MI

Complaint narrative:
I XXXX XXXX am writing to tell you about whats happening with MOHELA has inaccurately reported negative information on my credit file, including : A false late payment that has caused a derogatory mark on my credit report. 
A balance that does not reflect my actual payment activity.

Continued reporting of data without my consent, in violation of 15 U.S.C. 1641 ( b ) ( c ).

Failure to provide proper notice or documentation validating the tradeline.

Lack of a lawful contract or signed authorization for data reporting or third-party sharing.

The account being reported is : Account Name : MOHELA / Dept. of Ed Account Number ( partial ) : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX/2019 Past Due Amount : {$260.00} Reported Balance : {$460.00} Payment Terms : XXXX XXXXmonth I previously submitted disputes to the major credit bureaus under 15 U.S.C. 1681i, but MOHELA failed to provide full verification or to correct or remove the inaccurate reporting. This is a direct violation of FCRA provisions and precedent such as Cushman v. TransUnion Corp., which requires a creditor to verify disputed information with substantive evidencenot merely reassert the error.

Furthermore, I assert that I am the legal copyright holder of my name and identity under registration through XXXX a lawful notice that any use, alteration, misrepresentation, or publication of my personal data, image, likeness, or proprietary identityincluding but not limited to variations of my legal name, financial persona, or digital trailmust be explicitly authorized in writing.

I have not granted any such permission to MOHELA, XXXX XXXX XXXX, or any data handling affiliates. Their continued use and dissemination of such information without my permission or contractual agreement constitutes a violation of my intellectual property rights, my privacy, and my protected data.

Any use of my personal information without express written consent shall incur financial liability and legal remedy under applicable copyright, consumer protection, and privacy law.

Additionally, MOHELA is currently under investigation for systematic mishandling of servicer paperwork and erroneous reporting. I believe I have been directly affected by this, and I demand a full review of my account and investigation history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-05-29 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX AUTO - XXXX CB/VICSCRT - XXXX XXXX CRED XXXX XXXX NATIONAL CREDIT ADJUST - XXXX XXXX CRED XXXX XXXX XXXX FCU - XXXX CCB/ULTA - XXXX List of Unauthorized Inquiries : XXXX CARD - XXXX CAP XXXX NA - XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-05-29 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-29 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-05-29 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I am submitting this complaint to report an inaccurately reported account and multiple false addresses on my credit report. Despite previous disputes filed with the credit bureaus, these errors remain uncorrected, constituting ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

Disputed Account : XXXX  Account # XXXX * * * * * * Reported as a charge-off with a high balance of {$0.00}, opened XX/XX/year>. This reporting is contradictory and misleadinghow can an account be " charged off '' if the high balance is reported as {$0.00}? This may indicate erroneous reporting or an incomplete record. I have not received any documentation or validation regarding the existence or status of this account. It continues to appear despite my dispute, in violation of FCRA 611 ( 15 U.S.C. 1681i ) which requires a reasonable reinvestigation of disputed items.

Disputed Incorrect Addresses : The following addresses are inaccurately listed under my personal information. I have never lived at, used, or been associated with any of these addresses. Their presence on my report raises serious concerns regarding identity confusion or file merging errors 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 XXXXXXXX The continued inclusion of these addresses violates FCRA 607 ( b ), which requires that credit reporting agencies ensure the " maximum possible accuracy '' of consumer data.

Harm and Requested Resolution : These inaccuracies have harmed my creditworthiness, contributed to confusion and stress, and led to denials of credit. I am requesting the following actions : Immediate reinvestigation of the XXXX XXXX, with proper documentation and removal if unverifiable Deletion of all incorrect addresses listed above Written confirmation of all corrections and an updated credit report Should these items remain unresolved, I will escalate the matter further through the Federal Trade Commission ( FTC ) and my State Attorney General, and will consider legal action for damages under FCRA 1681n and 1681o.

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 2025-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC

Complaint narrative:
In early XX/XX/XXXX, I visited the XXXX XXXX  location at XXXX XXXX in XXXX XXXX  XXXX to cancel my membership in person, in accordance with the XXXX Membership Agreement. I provided my membership number and clearly stated that I wished to cancel at the end of my initial term, which ended XX/XX/XXXX. The front desk staff confirmed that my request would be processed and said I would receive a confirmation email. No additional steps or cancellation forms were presented or mentioned. I trusted the process was complete. 

I reviewed my agreement in advance and it explicitly states that cancellations can be submitted in person with 45 days notice. There is no mention of any required form or that a cancellation depends on internal documentation. I followed all terms outlined in the contract. 

I relocated outside the U.S. in XX/XX/XXXX and permanently closed the credit card associated with the XXXX account. In XX/XX/XXXX, I began receiving emails indicating failed payment attempts for monthly charges. I immediately contacted XXXX ( XX/XX/XXXX ), explained the situation, attached my contract, and requested that the charges stop and the cancellation be acknowledged retroactively. My email history shows multiple follow-ups, but XXXX continued to claim there was no record of cancellation, citing internal procedures and a missing form. 

On XX/XX/XXXX, I received a phone call from a debt collection agency attempting to collect {$83.00}. I firmly refused, as this charge is invalid. I never used the gym after XX/XX/XXXX, and I fulfilled all contractual obligations. 

I requested written confirmation of cancellation, removal of the charge, and withdrawal of the collection action. XXXX has not provided the requested information or resolved the issue. I have also filed formal complaints with the XXXX XXXX XXXX, the New York State Division of Consumer Protection, and the NY Attorney Generals office. 

This matter is harming me as a consumer. If left unresolved, it may damage my credit for a debt I do not owe. I request the CFPBs help in ensuring the charge is reversed, the collection effort is withdrawn, and any negative credit reporting is prevented or rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, NM XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Unvalidated Collection Account Legal Violations and Demand for Permanent Deletion To Whom It May Concern : Experian continues to report a collection account that is being reported as both XXXX XXXX XXXX and the collection agency, XXXX XXXX XXXX, simultaneously. This is inaccurate, unverifiable, and materially misleading. The account lacks multiple key components and violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards requiring maximum possible accuracy. 
Experian is acting as if federal law does not apply to your agency. Continuing to report this unvalidated and incomplete account after multiple disputes shows willful disregard for legal obligations and my consumer rights. 
Under FCRA 1681i ( a ) and 1681s-2 ( b ), you must verify disputed information with credible documentation. You have failed to provide or obtain the original signed contract, XXXX XXXX XXXX, bill of sale, or any proof establishing the legal right of XXXX XXXX XXXX to collect this debt. Without these critical documents, the account can not be legally verified. 
Under FCRA 1681e ( b ), reporting this trade line as both the original creditor and collection agency simultaneously is misleading and violates your obligation for maximum possible accuracy. There is no valid evidence of ownership transfer, and the data reported is inconsistent and materially incomplete. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), Experian has failed to conduct a lawful reinvestigation. Reporting this account without proper verification after notice of dispute is a clear violation of your statutory duty. 
I demand the immediate and permanent deletion of this trade line from my credit report. If you continue to report it, I require full legal validation including the original signed agreement, a valid Forward Flow Agreement between XXXX XXXX XXXX and XXXX XXXX XXXX, a bill of sale or documented assignment of ownership, and a detailed explanation of the method of verification used in all previous disputes. 
You have 30 days under FCRA 1681i to complete your reinvestigation. Failure to remove or validate this account will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the New Mexico Attorney General, and the Federal Trade Commission ( FTC ), and I will pursue all legal remedies available under FCRA 1681n and 1681o.

Sincerely, 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