vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TN

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IN

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under XXXX USC XXXXe ( b ) and XXXX USC XXXXi, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX -Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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 ( XXXX U.S. CXXXX XXXXe ) for deceptive and misleading reporting.

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 2025-04-15 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:
Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, An auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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 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 2025-04-15 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX  XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding a personal loan account that was charged off in XXXX. My credit report shows that {$6000.00} was written off, yet a remaining balance of {$5800.00} is still reported as past due as of XX/XX/XXXX. This reporting is unclear and potentially inaccurate. 

I have not received any IRS Form 1099-C, which should be issued if the debt was forgiven or canceled. Additionally, XXXX has not confirmed whether the debt was sold to a third-party collector or remains with them. 

I have requested clarification and documentation from both XXXX XXXX and the collection agency ( XXXX XXXX XXXX ), but neither has provided proof of ownership, a copy of the original agreement, or confirmation of the current legal status of the debt. 

This lack of transparency and proper reporting is harming my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am asking XXXX XXXX to clarify whether the debt was canceled ( and issue a 1099-C ), sold ( and update the tradeline to reflect {$0.00} balance ), or still owned by them ( with proper validation provided ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding a personal loan account that was charged off in XXXX. My credit report shows that {$6000.00} was written off, yet a remaining balance of {$5800.00} is still reported as past due as of XX/XX/XXXX. This reporting is unclear and potentially inaccurate. 

I have not received any IRS Form 1099-C, which should be issued if the debt was forgiven or canceled. Additionally, XXXX has not confirmed whether the debt was sold to a third-party collector or remains with them. 

I have requested clarification and documentation from both XXXX XXXX and the collection agency ( XXXX XXXX XXXX ), but neither has provided proof of ownership, a copy of the original agreement, or confirmation of the current legal status of the debt. 

This lack of transparency and proper reporting is harming my credit and may be in violation of the Fair Credit Reporting Act ( FCRA ). I am asking XXXX XXXX to clarify whether the debt was canceled ( and issue a 1099-C ), sold ( and update the tradeline to reflect {$0.00} balance ), or still owned by them ( with proper validation provided ).

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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
See complaint # XXXX that i have already sent to you along with a previous complaint about the same issue. Mohela is ripping off its customers. I overpaid my now closed XXXX XXXX  and I am owed a refund. Mohela continues to reply that they need more time to review. There is nothing to review. I overpaid and I want my money back. This has to be illegal. I worked hard to get my loans paid in full and now I can't get the money back that Mohela owes me. Please stop allowing Mohela to tell everyone that they need more time to review. That is an outright lie. What exactly do I need to do to get my money back? There has to be something more that CFPB can do to help me and hundreds of others with Mohela issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have been requesting them to update my credit and credit score for weeks, especially since I pay for the 3 Bureau monthly membership. As of today, it still has XXXX 's score and 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 monetary relief
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-15 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: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
b"Navy Federal credit union report the same account on my credit report twice with two different account numbers . When I reached out to them on XXXX they told me to call the reporting credit agency being that they cant remove it because they cant see my credit report. I called XXXX where they told me to call my bank back on XXXX I would like for both of these account to be remove from my credit profile being that they are both closed and paid in full. This is a formal complaint because I am extremely upset and confused that you have included information below in my credit profile. These items are not reporting 100% accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100% accurate credit information.\n\n\n\nNAVY FCU\nReported: XXXX XXXX XXXX\n-\n$XXXXnClosed\nOverview\nYou're currently using 144% of your account's limit.\n\nBalance\n$XXXX\nCredit limit\n$XXXX\nMonthly payment\nNo Info\nOpened\nXXXX XXXX XXXX (2 yrs, 3 mos)\nPayment History\nYouve made 0% of payments for this account on time.\n\nPayment history table, broken down by month\n \tJ\tF\tM\tA\tM\tJ\tJ\tA\tS\tO\tN\tD\n2025\n2024\nCurrent\nLate\nUnknown\nLast payment\nXXXX XXXX XXXXnCurrent Payment Status\nCharge-off\nAmount past due\n$XXXX\nWorst Payment Status\nCharge-off\nAccount Details\nAccount status\nDerogatory\nType\nCredit Card\nResponsibility\nIndividual\nRemarks\nProfit and loss write-off\nAccount closed by credit grantor\nAccount closed by credit grantor\nTimes 30/60/90 days late\n0/0/0\nClosed\nXXXX XXXX XXXXn\n\n\n\n\n\nNAVY FCU\nReported: XXXX XXXX XXXX\n-\n$XXXX\nClosed\nOverview\nYou're currently using 144% of your account's limit.\n\nBalance\n$XXXX\nCredit limit\n$1000\nMonthly payment\nNo Info\nOpened\nXXXX XXXX XXXX (2 yrs, 3 mos)\nPayment History\nYouve made 0% of payments for this account on time.\n\nPayment history table, broken down by month\n \tJ\tF\tM\tA\tM\tJ\tJ\tA\tS\tO\tN\tD\n2025\n2024\n2023\nCurrent\nLate\nUnknown\nLast payment\nXXXX XXXX XXXX\nCurrent Payment Status\nCharge-off\nAmount past due\nXXXX\nWorst Payment Status\n120+ Days Late\nAccount Details\nAccount status\nDerogatory\nType\nCredit Card\nResponsibility\nIndividual\nRemarks\nProfit and loss write-off\nDispute resolved-subscriber disagrees\nAccount closed by credit grantor\nDispute resolved-subscriber disagrees\nTimes 30/60/90 days late\n1/1/3\nClosed\nXXXX XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: VA

Complaint narrative:
I am writing to formally dispute a violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ) that I believe has occurred without my authorization. This matter pertains to the unauthorized disclosure of my educational records, which I consider a serious breach of confidentiality and trust.

As a student at [ Institution Name ], I understand the importance of maintaining the privacy of my educational records.

According to FERPA, I am entitled to control the disclosure of my personally identifiable information and to be informed of any unauthorized access to my records. 
On XX/XX/XXXX XXXX, I became aware of 1. THE immediate cancellation of my student loan debt, as my agreement is invalid due to the breach of my protected records. 2. A full investigation into how and why my records were accessed, including an audit of all parties involved. 3. Legal action against XXXX XXXX for the unauthorized access and misuse of my personal student aid information. If he unlawfully obtained my records, he should be held financially responsible and required to pay off the affected student debts. This disclosure was made without my consent and violates my rights under FERPA.

I request a thorough investigation into this matter and a written response detailing the steps that [ Institution Name ] will take to rectify this situation. Additionally, I would like to know how the institution plans to ensure that similar breaches do not occur in the future. 
Please consider this letter a formal dispute and request for resolution. I look forward to your prompt attention to this serious matter. 
Thank you for your immediate attention to this issue. I hope to hear from you soon. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: MD

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian 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 a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and Experian 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 a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief