vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii
) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request for Deletion Due to Equifax Failure to Respond within 30 Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXX XXXX Dear XXXX I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX ], has failed to respond to the dispute. 

As per the law, since Equifax has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the [ XXXX XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions.

Failure to comply with my request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights.

Failure to remove this account will also violate Fair Debt Collection Practices Act ( FDCPA ) section 1692g. Which I will be requested a {$1000.00} for each violation. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MoneyLion Inc.
State: MI

Complaint narrative:
There are 3 accounts on my credit report that arent mine .. Ive reported them several times nothing is being done. Ive been a victim of identy theft!! I reported it to XXXX XXXX XXXX  as well and contacted a lawyer. This is effecting my life!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
I am writing to formally dispute the student loan accounts reported on my credit file due to a data breach by XXXX XXXX and DOGE that has compromised my personal and educational records. As a consumer, I have the right to accurate and secure financial reporting under the Fair Credit Reporting Act ( FCRA ) and Right to Privacy Consumer Laws. Additionally, under the Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), my student loan information is classified as protected educational data, and any breach of this data constitutes a violation of my privacy rights.

It has come to my attention that my student loan servicer and/or associated institutions have experienced a data breach, exposing my personally identifiable information ( PII ), including my educational and financial records, without my consent. This constitutes a direct violation of FERPA, which mandates that student records be protected from unauthorized disclosure, and consumer protection laws, which require financial institutions to safeguard sensitive personal data.

As a result of this breach, my student loan accounts may have been compromised, leading to potential fraudulent activity and inaccuracies on my credit report. Therefore, I am formally requesting the immediate investigation and removal of the following student loan accounts from my credit file : Department of Ed/Aidvantage

Company response to consumer: Untimely response
Consumer complaint received 2025-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I reached out to all three credit bureaus let them know that my information was exposed. I put dispute on everything that was exposed on my credit, including wrong addresses name, spelt wrong them reporting stuff on my credit without doing investigation I asked for all these things to be done and they updated the information with my updated address. However, the address they had on file did not match the address that I live at.

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 2025-03-12 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: GA

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach I am writing to inform you of a data breach and request that certain accounts and inquiries be blocked and deleted from my credit file, per 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$42.00} XXXX XXXX XXXX - Account Number : ACC******************XXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX - Account Number : XXXX*********XXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX 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/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: CL Holdings LLC
State: PA

Complaint narrative:
I am filing a complaint against XXXX, XXXX, XXXX and Jefferson Capital for inaccurately reporting an account from Jefferson Capital on my consumer credit report. This account contains multiple FCRA violations and I am requesting removal of this account from my credit report and investigation into their reporting practices. This account is in violation of FCRA 609 ( a ) ( 1 ) - Failure to provide verification, FCRA 623 ( a ) ( 1 ) Reporting inaccurate information, FCRA 623 ( a ) ( 3 ) Failure to correct inaccurate information, FDCPA 809 ( a ) debt validation notice requirement, FDCPA 807 ( 8 ) Prohibition of false credit reporting, FDCPA 808 ( 1 ) Unauthorized fees or charges. I have disputed this account several times only for it to be removed then added back to my account with different reporting dates, open dates and balance amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against Experian, XXXX, Transunion and XXXX XXXX for inaccurately reporting an account from XXXX XXXX on my consumer credit report. This account contains multiple FCRA violations and I am requesting removal of this account from my credit report and investigation into their reporting practices. This account is in violation of FCRA 609 ( a ) ( 1 ) - Failure to provide verification, FCRA 623 ( a ) ( 1 ) Reporting inaccurate information, FCRA 623 ( a ) ( 3 ) Failure to correct inaccurate information, FDCPA 809 ( a ) debt validation notice requirement, FDCPA 807 ( 8 ) Prohibition of false credit reporting, FDCPA 808 ( 1 ) Unauthorized fees or charges. I have disputed this account several times only for it to be removed then added back to my account with different reporting dates, open dates and balance amounts.

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 2025-03-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX To : Experian, XXXX, XXXX Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE LATE PAYMENTS VIOLATIONS OF FCRA, XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX This letter serves as formal legal notice that your agencies are unlawfully reporting and continuously updating inaccurate late payments on my credit report in violation of 15 U.S.C. 1681i ( a ), Metro 2 Compliance, and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Despite prior disputes, you continue to reinsert or update these derogatory marks, which is a direct violation of federal law and a willful act of defamation against my consumer credit profile. 

List of Illegal Late Payments You Are Reporting : XX/XX/XXXX30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX 30, 60, 90 days late ( Experian, Equifax, TransUnion ) XXXX XXXX 30, 60, 90, 120, 150+ days late ( Experian, Equifax, TransUnion ) XXXX 30 days late ( Experian, Equifax, TransUnion ) These late payments must be deleted immediately for the following reasons : 1. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( FCRA 1681i ( a ) ) Under 15 U.S.C. 1681i ( a ), a credit reporting agency must conduct an actual investigation when a consumer disputes an account. However, you have failed to verify these late payments with independently verifiable evidence. 

XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The Seventh Circuit Court ruled that credit bureaus can not rely solely on information from the original creditor when investigating disputes. Since you have failed to produce independent verification, your continued reporting of these late payments is legally indefensible.

3. VIOLATION OF 15 U.S.C. 1666B TIMING OF PAYMENTS According to 15 U.S.C. 1666B, a creditor can not treat a payment as late if it was received within the required timeframe. If you or the creditor can not prove that these payments wer
e actually late beyond the permissible billing period, they must be deleted immediately.

4. WILLFUL NONCOMPLIANCE & LIABILITY UNDER 15 U.S.C. 1681N Each of these inaccurate late payments constitutes a separate FCRA violation, for which I am entitled to {$1000.00} per violation under 15 U.S.C. 1681n. Based on my report, there are 88 late payments all together from equifax Experian transunion, which amounts to {$88000.00} in statutory damages. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

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

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian multiple times about this isssue. My last time was in XX/XX/year>. A representative name Experian told me that the inquiry is not open on there end. I directed me to call chase bank to resolve the issue. I called XXXX bank in they ask me do I have an account with them and I do not. I told them theres a hard inquiry on my report thats unauthorized and I want it removed. XXXX to me they deal with a lot of companys so they couldnt verify the inquiry even with the information I gave them.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX INQUIRIES XXXXXXXX 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
I am a victim of identity theft. The information listed below, which appears on my credit report. All transaction ( s ) that I have not made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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:
I am a victim of identity theft. The information listed below, which appears on my credit report. All transaction ( s ) that I have not made. It is the result of identity theft.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX. I had 3 unauthorized charges on my Wells Fargo Checking account, the first charge was for {$100.00}, the second charge is for {$16.00}, the third charge is for {$100.00}. I called in to file a claim as soon as I noticed these unauthorized charges which was on XXXX XXXX, XXXX. I assured the bank I did not make these charges also requesting more information on the location. The representative said she was sorry I was dealing with this and sent me a new card and offered a temporary credit within 10 days if they needed more time to investigate. I never received a call, nor did they give me more information regarding these charges. Today on XX/XX/XXXX my claim was denied with no reason why. These charges were not made by me and my bank does not want to refund me for these unauthorized charges.

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 2025-03-12 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: NY

Complaint narrative:
On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.

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