vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: PA

Complaint narrative:
Breach of XXXX I am writing to formally notify you of a breach of the Family Educational Rights and Privacy Act ( XXXX ) involving the unauthorized disclosure and/or misuse of my student loan information. 

It has come to my attention that my personally identifiable information ( PII ) related to my student loansincluding, but not limited to, my loan balances, account numbers, Social Security number, or financial aid detailswas accessed, shared, or disclosed without my prior written consent, in direct violation of XXXX regulations. 

This breach not only compromises the security of my sensitive personal and financial data but also violates my legal rights under federal law. I respectfully request a full investigation into this matter, including a detailed account of how this breach occurred, the scope of the information disclosed, and the parties involved in the unauthorized access or distribution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with Professional Debt, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I recently reviewed my credit report and was shocked to find a hard inquiry that I did not authorize. This inquiry was done onlinewithout my knowledge or consentand it is completely fraudulent.

I want to be absolutely clear : I did not initiate this, I did not approve it, and I had no part in this inquiry being made. It should have never appeared on my report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a XXXX  determination letter according to 1022.142 ( b ) ( 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance : {$1700.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance : {$350.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
4th attempt, I am requesting the immediate removal of inaccurate information from my credit report, as it violates my rights under the Fair Credit Reporting Act. The following accounts contain errors and should be removed : 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 XXXX. Equifax, Transunion & Equifax Inaccurate address data that I am not associated with.

Legal Violations : * 15 U.S.C. 1681 ( Fair Credit Reporting Act, Section 602 ( A ) ) : I have the right to privacy and accurate reporting. * 15 U.S.C. 1681b ( a ) ( 2 ) ( Section 604 ( A ) ) : No consumer reporting ag
ency may furnish an account without my written consent.

* 15 U.S.C. 1681c ( a ) ( 5 ) : No report should include any adverse information older than seven years, except for criminal convictions.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person must not furnish information to any consumer reporting agency if they know or should reasonably know the information is inaccurate. 
The accounts listed above have inaccuracies that violate these statutes. I request the immediate correction or removal of these entries to ensure my credit report is accurate and in compliance with the law.

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 2025-05-14 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-14 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: MI

Complaint narrative:
XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of the following account opened without my authorization : XXXX XXXX XXXX  Account number : XXXX Opened XX/XX/XXXX. XXXX {$130.00} this account has resulted in fraudulent collections appearing on my consumer XXXX credit report. I have attached a copy of the consumer FICO credit report maintained by your agency showing the aforementioned fraudulent item. I do not recognize the above account and or collection. None were opened, made, or authorized by me. This account/collection is the result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX issued by the XXXX Federal Trade Commission, confirming that the consumer credit account/collection is fraudulent.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) falsely reported a XXXX late payment on my auto loan account ( Account # : XXXX ) to the credit bureaus. This derogatory mark is inaccurate and damaging to my credit. 

The facts : In XX/XX/XXXX, XXXX granted me a formally executed forbearance agreement, deferring my XXXX payment by XXXX month. 

As a result of that agreement, no payment was due in XX/XX/XXXX. 

I spoke directly with MBFS on XX/XX/XXXX, and their billing representative XXXX ( ID # XXXX ) confirmed my detailed payment history, including : Missed payment in XX/XX/XXXX. 

Consistent payments made from XX/XX/XXXX through XX/XX/XXXX. 

Account fully current as of XX/XX/XXXX. 

XXXX payment deferred by XXXX, not missed. 

No payment due in XX/XX/XXXX per the deferral. 

Despite this, XXXX reported a XXXX delinquency for XX/XX/XXXX, even though I had no contractual obligation to make a payment during that month. 

Additionally : XXXX issued XXXX different forbearance agreements for the same deferral period, each with different terms, dates, and finance charges. This inconsistency caused confusion and XXXX have contributed to their servicing error. 

Their customer portal confirms my next due date was XX/XX/XXXX, which further proves that XXXX should not have been marked delinquent. 

I filed a dispute with XXXX and requested validation of the alleged delinquency. I also formally notified them that the XXXX reporting was inaccurate and required correction under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was scammed out of a deposit by a lash technician who did not render services from XXXX. She agreed to refund my deposit as she could not provide the service due to misscheduling, but stopped replying. I called Chase Bank customer service to try and charge back my deposit sent through XXXX. They said XXXX transactions are not covered even if products or services are not rendered. I called XXXX and they said I have to talk to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Aqua Finance, Inc.
State: IL

Complaint narrative:
My vehicle lost has been transferred from XXXX XXXX ( XXXX XXXX ) to XXXX XXXX last month. 
I don't have my previous account number saved from XXXX XXXX. I don't have my new account number with XXXX XXXX either. 
I tried to make my payment online, but it doesn't let me pay as a guest as well as I can not register the user name without account number. 
I submitted online request form on their web site - no response. 
I tried calling them multiple times- they hang up every time after having me on the automatic response line for about XXXX minutes. Every time- all the same : XXXX minutes of auto responder - and hung up. 
I don't want to get them reported the late payment because of no any fault of mine. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC
State: TX

Complaint narrative:
In XX/XX/year>, LendingPoint reported a 30-day late payment to the credit bureaus. I was never properly notified of this delinquency, and I only became aware of it when it appeared on my credit report. Since that time, I have made 4 consecutive on-time payments and attempted to resolve this through LendingPoint customer service. 

However, I was told they do not remove late payments under any circumstanceseven when the customer has demonstrated a pattern of positive payment behavior. 

This single late payment is the only derogatory mark on my otherwise PERFECT ( never had a late payment ) credit history and is having a disproportionate negative impact. 

Im requesting that LendingPoint review this matter in good faith and either remove or update the mark as a goodwill adjustment. I believe the lack of timely notification, paired with my excellent follow-up payment behavior, warrants consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the information submitted by the creditor concerning certain accounts associated with my name. Please consider the following : 1. Incorrect Mailing Address : The address used by the creditor for XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX not, and has never been, my residential address. This location is a commercial XXXX XXXX, not a valid residential mailing address. As a result, I did not receive any of the notices or account statements reportedly sent to this address. I attached a copy of my ID for your reference. 
2. Failure to Provide Timely Notice : The creditor failed to issue billing statements or delinquency notices at least 21 days prior to reporting the accounts as late, as required by federal regulations. This failure significantly hindered my ability to respond to any alleged delinquencies in a timely manner. Kindly check the date of these delinquencies along with the address they were being mailed to and the timeline against my address.

3. Violations Under the Truth in Lending Act ( TILA ) : Pursuant to 15 U.S. Code 1666 ( b ), I am alleging the following violations : The creditor failed to accurately reflect payments made or credits issued to my accounts.

The account statements contain computation errors or accounting mistakes that remain unresolved. As some of these accounts have been paid in full and the others forgiven. 

These concerns were confirmed during a conversation with a creditor representative named XXXX on or around XX/XX/year>, during which she acknowledged the incorrect address on file. At that time, I provided my correct mailing address and requested that all future correspondence be sent accordingly. Despite this, I have not received any mail as of the date of this letter. I was provided the attached statements from my dispute I submitted on XXXX XXXX via CFPB. That is how I was able to provide the statements as proof for this dispute. 

Given that I have not received any proper billing notices or updated account information, I question how these accounts could be reported as 120 days late to my credit file. This reporting appears premature and unjustified. 

I respectfully request a thorough investigation into this matter and the immediate correction of any inaccurate information. Please confirm receipt of this dispute and provide written notice of your findings and any actions taken.

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 2025-05-14 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:
To Whom It May Concern, I am writing to formally dispute the information submitted by the creditor concerning certain accounts associated with my name. Please consider the following : 1. Incorrect Mailing Address : The address used by the creditor for XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX not, and has never been, my residential address. This location is a commercial XXXX XXXX, not a valid residential mailing address. As a result, I did not receive any of the notices or account statements reportedly sent to this address. I attached a copy of my ID for your reference. 
2. Failure to Provide Timely Notice : The creditor failed to issue billing statements or delinquency notices at least 21 days prior to reporting the accounts as late, as required by federal regulations. This failure significantly hindered my ability to respond to any alleged delinquencies in a timely manner. Kindly check the date of these delinquencies along with the address they were being mailed to and the timeline against my address.

3. Violations Under the Truth in Lending Act ( TILA ) : Pursuant to 15 U.S. Code 1666 ( b ), I am alleging the following violations : The creditor failed to accurately reflect payments made or credits issued to my accounts.

The account statements contain computation errors or accounting mistakes that remain unresolved. As some of these accounts have been paid in full and the others forgiven. 

These concerns were confirmed during a conversation with a creditor representative named XXXX on or around XX/XX/year>, during which she acknowledged the incorrect address on file. At that time, I provided my correct mailing address and requested that all future correspondence be sent accordingly. Despite this, I have not received any mail as of the date of this letter. I was provided the attached statements from my dispute I submitted on XXXX XXXX via CFPB. That is how I was able to provide the statements as proof for this dispute. 

Given that I have not received any proper billing notices or updated account information, I question how these accounts could be reported as 120 days late to my credit file. This reporting appears premature and unjustified. 

I respectfully request a thorough investigation into this matter and the immediate correction of any inaccurate information. Please confirm receipt of this dispute and provide written notice of your findings and any actions taken.

Company response to consumer: Closed with non-monetary relief