vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I was placed on administrative forbearance due to being on SAVE plan. I noticed my loan balance has been increasing since last year due to added interest. I tried to contact Mohela but was place on hold for many hours and unable to reach anyone to address this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Need a copy of the 1099c with Capital one bank usa. 

Creditor Capital one bank usa Issue Shows its a profit and loss write off but did not receive a 1099c. Should not be on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-07 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-03-07 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: GA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not opened or approved by me, and I am unaware of their source. As per USC 1681g, I ask that they be deleted within 15 days. Please find the enclosed documents for your review.

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 2025-03-07 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXXutopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: EQUIFAX, INC.
State: MA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and the tech company they all own developed and promoted The UNSECURED APP CALLED ZELLE to be used by customers KNOWING THE APP was unsecured and as a result, customers experienced FRAUD through the ZELLE UNSECURED APP to almost thousands and thousands of dollars and these three banks and their tech company have REFUSED TO take responsibility for the UNSECURED APP and the FRAUD LOSS to its customers. THESE banks MUST BE HELD responsible for that fraud and repay every XXXX to the customers who were victims of this fraud. 
Once these banks allowed an UNSECURED ZELLE APP to be used by customers, they broke all contracts they have with those customers concerning NOT THE BANKS FAULT BS legal sleaze. 
THOSE BANKS must be made to pay and those customers who lost {$900000.00} must be paid back. EVERY ONE OF THEM. 
The CFPB HAD filed a lawsuit against these banks and tech company in Arizona on behalf of the customers who had money stolen through the UNSECURED APP BUT THEN CANCELLED THE LAWSUIT!! 
WHY?? REINSTATE THIS LAWSUIT. Customers have lost at least XXXX XXXX through this UNSECURED ZELLE app. 
MAKE THOSE BANKS PAY. THAT is JUSTICE and the fact that those banks don't give a XXXX about this is UNETHICAL and IMMORAL and UNJUST. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: NC

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

Company response to consumer: Closed with 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: NJ

Complaint narrative:
Dear To Whom It May Concern, I am writing to formally dispute the following inquiries on my credit report, which I did not authorize and lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. These inquiries are inaccurate, incomplete, and unlawfully reported : Upon reviewing my credit report dated XX/XX/XXXX, I noticed the following inquiries listed : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Nj XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via Dealer I did not authorize these inquiries, and I understand that under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a consumers consent is required for a legitimate inquiry to occur. Since I did not provide such consent, I believe these inquiries are unauthorized and should be removed from my report. 



Furthermore, I would like to reference the case **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ), where the court emphasized the importance of accuracy in credit reporting, reinforcing that consumers have the right to dispute any unauthorized inquiries.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
LAST XXXX OF XXXX XXXX Under 15 U.S.C. 16811 ( 7 ) Method of verification - Description of re-investigation procedure. A consumer reporting agency shall provide to consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the Bussines name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnished, if reasonable available, by not later than 15 days after receiving a request from the consumer for that description. 
I disagree with the account listed below which appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

TRANSUNION : XXXX, XXXX. # XXXX EXPERIAN : XXXXXXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, title VI SECTION 611 please provide the names and Bussines addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: TX

Complaint narrative:
My Discover card debt was placed in a receivership by XXXX XXXX XXXX. I paid off the receivership about a year ago. I received the paperwork from the receiver that it was paid. That paperwork was sent to XXXX XXXX XXXX at that time. XXXX failed to file it with the court until recently. I have requested the final release of XXXX paperwork by phone and by email numerous times and am getting nowhere. This should have been updated on my credit report long ago, but my credit score is still suffering due to XXXX XXXX XXXX ' negligence and refusal to send my documentation. I've also requested they update my address by phone and email several times, but they refuse to update my address in their system.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a personal loan with XXXX XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-03-07 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: FL

Complaint narrative:
I have recently reviewed my credit report and found multiple inaccuracies that require immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting these items be investigated for accuracy. If an item can not be verified or is proven to be incorrect, I demand its prompt removal or correction as required under 15 U.S. Code 1681e ( b ) Accuracy of Report and 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information.

Additionally, I am a victim of identity theft, which I have documented in the attached police report. These incorrect entries are hurting my financial stability, and I ask that these matters be resolved urgently. The following accounts in my credit report require your attention : XXXX XXXX XXXX Account Number : XXXX This account does not belong to me. I have never opened or authorized this account. I request that you investigate it immediately and remove it from my credit report. 
XXXX XXXX Services Account Number : XXXX The late payments listed for this account are inaccurate. I have always paid this account on time. Kindly update the payment history to reflect my accurate record of timely payments. 
XXXX XXXX Services Account Number : XXXX My payment history for this account has been reported incorrectly. I have never been delinquent on this account. Please make the necessary adjustments to reflect my excellent payment history. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This account is fraudulent and does not belong to me. It was opened without my knowledge or authorization. Kindly investigate this account and delete it from my credit report. 
XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX This is not my account, and it has been reported on my credit without my consent. I was a victim of identity theft, as verified by the enclosed police report. I request its immediate removal from my file. 
XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX This account is completely fraudulent. I have never opened or managed this account, and it must be removed after proper investigation. 


As these accounts either contain inaccuracies, have been established through fraud, or can not be verified, they must be corrected or removed as per FCRA regulations. Please respond to this dispute within 30 days, as required by law, with an update on the corrective action taken. 


I have enclosed the necessary documents, including my police report and supporting identification, to assist with your investigation. 


Thank you for your prompt attention to this matter. 


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 card — General-purpose credit card or charge card
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: AR

Complaint narrative:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
i'am looking today to reassign a debt that was previously owned by a diffrent account holder to a new account holder! under consumer law section 623!

Company response to consumer: Closed with explanation