vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: FL

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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAMEXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBERXXXX  * * ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBERXXXX * * ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX  * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX * * XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX & XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX 'S XXXX  ACCOUNT NUMBERXXXX * * * * has violated my rights. On a list of inquiries : XXXX XXXX XXXXXXXX Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-26 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:
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 XXXX XXXX XXXX permissible purposes of consumer reports. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX * * * * ACCOUNT NAMEXXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBERXXXX  * * ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBERXXXX * * ACCOUNT NAME:XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER:XXXX  * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX * * XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER:XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX NUMBERXXXX * * * * ACCOUNT NAME : XXXX XXXX & XXXX ACCOUNT NUMBERXXXX * * * * ACCOUNT NAME : XXXX 'S XXXX  ACCOUNT NUMBERXXXX * * * * has violated my rights. On a list of inquiries : XXXX XXXX XXXXXXXX Section XXXX A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( a ) ( XXXX ) XXXX States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years XXXX XXXX. XXXX ( A ) ( XXXX ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-05-26 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: IL

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX North XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} Inquiries XXXX XXXX Date : XX/XX/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 2025-05-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I requested by mail and phone for Equifax to correct the incorrect address information they have for me and to correct the misspelled names they have for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against EQUIFAX for their continued reporting of inaccurate account information and unauthorized credit inquiries on my credit file. I have previously disputed these items directly with Equifax, but no corrections have been made, and no meaningful investigation has taken place in violation of the Fair Credit Reporting Act ( FCRA ). The following accounts remain inaccurately reported : XXXX XXXX ( opened XX/XX/XXXX, reporting a false - {$190.00} balance ), XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX, reporting an erroneous {$1100.00} balance ), and XXXX XXXX ( opened XX/XX/XXXX, reporting outdated and inaccurate information ). These accounts are materially misrepresenting my credit profile and must be removed immediately. 

Additionally, EQUIFAX is reporting the following unauthorized hard inquiries : XXXX XXXX dated XX/XX/XXXX, and two inquiries by XXXX XXXX XXXX  XXXX dated XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries, nor did I submit any applications that would have permitted them under 15 U.S. Code 1681b. These inquiries were made without my knowledge or consent and have harmed my credit profile. This is a direct violation of federal law, and EQUIFAX has a legal obligation to ensure that all inquiries are backed by proper consumer authorization.

Given that EQUIFAX has failed to act upon my prior dispute efforts and continues to report inaccurate and unauthorized information, I am requesting that the CFPB compel EQUIFAX to immediately delete the three accounts and the three unauthorized inquiries listed above. Continued noncompliance reflects willful negligence under FCRA, and I reserve the right to escalate this matter further to the Federal Trade Commission ( FTC ) and my state Attorney General if no resolution is achieved. I appreciate the CFPB 's assistance in ensuring this matter is properly addressed and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MO

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 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To Whom It May Concern, Im writing to respectfully request a goodwill adjustment for a student loan account reported delinquent by my loan servicer, MOHELA. While I understand the importance of making timely payments, I hope youll consider the context of my situation and the steps Ive taken to make things right. 
Earlier this year, I experienced a serious hardship my mother passed away, and shortly after, I lost my job. During this time, I moved and was unaware that my student loan had entered repayment. I didnt receive any notice or billing communication from MOHELA , and by the time I realized my account was delinquent, the damage to my credit had already occurred including a drop of over 100 points in my score. 
As soon as I became aware, I immediately paid the past due balance of {$470.00} on XX/XX/XXXX, and have since made all monthly payments ahead of schedule : {$94.00} paid on XX/XX/XXXX, and XX/XX/XXXX. I also have the next months payment already scheduled for XX/XX/XXXX. My account is fully current and has remained in good standing since. 
My student loan balance is modest {$8500.00}, with manageable monthly payments of {$94.00}. I take full responsibility for the oversight, but I want to stress that it was due to personal loss, job loss, and a lack of communication during a very difficult time. 
I am now XXXX XXXX XXXX, newly employed full-time with an annual salary of {$52000.00}, and am working hard to rebuild. This delinquency does not reflect my overall payment behavior I currently have a 97 % on-time payment history across my credit accounts. Unfortunately, this single event is now severely impacting my ability to move forward in life, including renting a home, qualifying for a mortgage, and other important financial steps. 
I kindly ask for a goodwill removal of the delinquency from my credit report. The loan was brought current just days after the late payment was reported, and I have remained in good standing since. This adjustment would more accurately reflect my financial responsibility and would mean a great deal as I move forward in this new chapter of life. 
Thank you for your time, understanding, and consideration. 
Sincerely, XXXX XXXX Last 4 Digits of SSN : XXXX, Date of Birth : XX/XX/XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-05-26 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: IL

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus 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 : {$800.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXXXXXX  Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1300.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am submitting this complaint against XXXX XXXXXXXX and Navy Federal Credit Union for engaging in illegal re-aging of charged-off accounts in violation of federal consumer protection laws. The accounts in question are : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported monthly as charge-offs, which is artificially manipulating the date of last activity ( DLA ) and thereby unlawfully extending the reporting period on my consumer credit report. 



Facts : 1. Both listed Navy Federal accounts are being reported as charged-off accounts. 
XXXX. Despite being charged off in the pastXXXX XXXX  continues to update these accounts monthly as if the charge-off is newly occurring each month. 
XXXX. This practice changes or re-ages the Date of First Delinquency ( DOFD ) and Date of Last Activity, thereby restarting the 7-year reporting period outlined in the Fair Credit Reporting Act. 
XXXX. This tactic is a manipulation of the statute of limitations for reporting and debt collection purposes and directly violates my federal consumer rights. 
XXXX. I believe this ongoing re-aging is done intentionally by Navy Federal and allowed by XXXX  to mislead future creditors and suppress my creditworthiness. 



Legal Basis : According to 15 U.S. Code 1681c ( a ) ( 4 ) of the Fair Credit Reporting Act : ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

This seven-year period begins from the date of the first delinquency that led to the charge-off, not from the date the charge-off is reported or updated.

By continuing to update these accounts monthly as charge-offs, XXXX XXXXnd Navy Federal are unlawfully extending the time they are allowed to remain on my credit report, violating 15 U.S. Code 1681c ( a ) ( 4 ). 



Conclusion : The monthly re-aging and manipulation of charged-off accounts is a serious violation of the Fair Credit Reporting Act. These actions misrepresent my credit history and cause continued financial harm. I respectfully request that the CFPB hold XXXX  and Navy Federal Credit Union accountable for these deceptive practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Portfolio Services, Inc.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> CONSUMER PORTFOLIO XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Subject : Dispute of Collection Account - [ XXXX XXXX XXXX / XXXX Dear Sir/Madam, I am disputing the collection account listed on my credit report for [ CONSUMER PORTFOLIO XXXX, XXXX ] . This debt is either not mine, or there is a significant inaccuracy in how it has been reported. I request validation of the debt under FDCPA 809 ( a ) [ 15 U.S.C. 1692g ].

Please provide the following information : 1. The original creditor 's name and address 2. The amount of the debt 3. Proof of your legal authority to collect this debt 4. Form 1099C Until you provide the requested validation, I ask that you cease all collection activities, as per FDCPA 809 ( b ) [ 15 U.S.C. 1692g ]. Failure to validate the debt or cease collection activities will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ).

Please respond with the requested validation within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation