vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-13 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: AR

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked inaccurate ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: PA

Complaint narrative:
I sent a certified letter to MOHELA to request that they validate the debt and to stop harassing calls. MOHELA has ignored my request as they did not send the requested information and continue to call nonstop. Ive received no postal correspondence from them with the requested information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: NJ

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.

Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. Therefore I request the CFPB takes action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts I am referring to : XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX {$170.00} XXXX XXXX XXXX {$1400.00}

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 non-monetary relief
Consumer complaint received 2025-03-13 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: IL

Complaint narrative:
Subject : Urgent FERPA Violation Dispute Unauthorized Access & Deletion of Student Loan Data Account with XXXX : XXXX Dear CFPB, I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled " Musk and FERPA : Did XXXX Breach Student Loan Contracts? '' ( XX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records. 

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures.

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies. 

Please contact me at XXXX or XXXX with updates. I trust that you will handle this matter with the urgency it demands. 

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 2025-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I missed out on hundreds of dollars because of Zelle. Telling me I set up a business account when I never had a business. Telling me it looks like fraud when I know some of these people personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/year>, I sent a dispute letter to Kia Finance regarding the inaccurate reporting of my account. The company received this letter on XX/XX/year>, as confirmed by tracking number XXXX. I received their response on XX/XX/scrub> XXXX XXXX which stated that the information had been verified as accurate. However, the balance of {$10000.00} is still listed on my credit report despite the debt being written off as part of my divorce decree. I provided Kia Finance with a copy of the divorce decree, highlighting the section where my ex-wife was awarded the vehicle and took full responsibility for the vehicle, including any and all future payments. According to the decree, I was no longer responsible for the vehicle or its debt. I requested that Kia Finance correct the balance to {$0.00}, issue a 1099-C for the forgiven debt, and update my credit report to reflect the accurate status, but this has not been done.

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 2025-03-13 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 am writing due to the negative marks you've made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but it's not mine and there's no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just checked my credit report, and Im so frustrated with Equifax!! Theres a late payment showing up on XX/XX/year> account XXXX XXXX XXXX Account # XXXX I demand you update all late payments to on time and never late. Please update XX/XX/year> thats totally inaccurate. I already sent a letter to fix it, but nothing has been updated! 
On top of that, I also requested proof of how they even verified this late payment, and they completely ignored methats a violation of my federal rights! This whole situation has been so stressful. Can you please help me get this fixed ASAP? Also, I have made on time payments but Equifax is showing no data for the payments i have made! I have supporting docs to prove this!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Inaccurate Information Under FCRA Section 1681 and Civil Liability for Negligence Dear Sir or Mam, I am writing to formally dispute an error on my credit report regarding XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADJ Service, Absolute, Portfolio Recovery. I have reviewed the information on my credit report, and it appears that the entry in question is inaccurate or incomplete due to negligence or failure to exercise proper due diligence. 

Under Section 1681 of the Fair Credit Reporting Act ( FCRA ), you are obligated to maintain the accuracy and completeness of all information reported to credit reporting agencies. It is clear that the information in question does not meet these standards, and as a result, it has affected my creditworthiness and caused potential harm to my financial standing.

I believe this error may have occurred due to a lack of reasonable care or failure to properly verify the accuracy of the information before reporting it. As outlined under civil liability for negligence, I am requesting that you investigate this matter promptly and take corrective action by either : Correcting the inaccurate information, Removing the erroneous entry from my report, or Providing an accurate and complete description of the circumstances surrounding the dispute. 
Please consider this letter a formal request to begin the dispute resolution process in compliance with FCRA guidelines, including providing me with the results of your investigation within the legally required time frame of 30 days. 

In addition, if the disputed information is not accurate or verifiable, I expect the relevant item ( s ), XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
to be removed from my credit file in accordance with the law. 

For your reference, I have attached supporting documentation that substantiates my dispute, which may include this utility bill, my social security card and ID. 

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into this matter. If you have any further questions or need additional information, feel free to contact me at XXXX or XXXX. 

Thank you for your attention to this urgent matter. I expect a prompt resolution. 

Sincerely, XXXX XXXX XXXX Enclosures : SS card, utility Bill, Identification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Urgent Complaint Regarding Inaccurate Personal Information Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint regarding the inaccurate personal information reported on my credit profile. The details of my complaint are outlined below : **1. Description of Inaccuracy : **\ The following names and addresses associated with my credit report are incorrect and outdated : - Incorrect Names : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -incorrect Employment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These inaccuracies must be removed immediately as they do not reflect my current or past personal information. **2. Legal Basis for Removal : **\ Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c ), consumer reporting agencies are required to maintain accurate and up-to-date records. The presence of incorrect personal information violates my rights under : - **FCRA 609 ( 15 U.S.C. 1681g ) ** : Grants consumers the right to request complete and accurate information in their credit file. - **FCRA 611 ( 15 U.S.C. 1681i ) ** : Requires credit reporting agencies to investigate and correct any inaccuracies in a timely manner, typically within 30 days. - **FCRA 605 ( 15 U.S.C. 1681c ) ** : Prohibits outdated and incorrect information from being included in consumer reports. **3. Impact of the Inaccuracy : **\ The presence of these incorrect names and addresses has caused confusion and potential misrepresentation of my financial records. It has also affected my ability to maintain accurate credit standing and may impact future financial opportunities. **4. Steps Taken to Resolve the Issue : I have attempted to dispute these inaccuracies with the relevant credit bureaus ; however, they remain uncorrected. Attached are copies of my dispute letters, responses from the credit bureaus, and any supporting documents verifying my correct personal information. **5. Requested Resolution : I request that the CFPB investigate this matter and require the credit bureaus to : - Remove the incorrect names and addresses from my credit report immediately. - Provide me with an updated copy of my credit file reflecting these corrections. - Confirm in writing that these inaccuracies have been corrected. Failure to comply with the legal requirements of the FCRA may result in further action. I appreciate your prompt attention to this matter and look forward to your resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Nelnet, Inc.
State: TX

Complaint narrative:
I disputed inaccurate and unverifiable derogatory information on my credit report with [ XXXX XXXX XXXX following my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. The credit bureau has failed to provide verification of the accounts, including a bona fide contract with my signature, proving my legal obligation to these debts. Under FCRA 15 U.S.C. 1681i, if an item can not be verified within 30 days, it must be deleted immediately. I requested this verification on XX/XX/year>, and XXXX, XXXX and XXXX has failed to comply. Additionally, under Uniform Commercial Code ( UCC ) 3-603, if a debt has been transferred, sold, or charged off, it has been satisfied, and continued reporting is unlawful and misleading.These debts have not been verified. I can not access my reports at this time to provide all incorrect information. I am requesting the CFPB to take action and ensure [ Experian/Equifax/TransUnion ] removes the inaccurate, unverifiable, or obsolete negative items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX have unlawfully accessed my loan & other financial/personal information, without my consent. My privacy was violated. Violations of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards student education records from unauthorized disclosure to third parties, and since a breach occurred when access to these records was provided to staff members at XXXX, without my permission, my loans & outstanding balance MUST be forgiven & any debt I have be zeroed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief