vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am writing to dispute this item that has been reported to you in accordance with the FCRA 15 U.S. Code 1681. This item has been reported inaccurately. It is fraudulent and should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Filed a dispute to have XXXX XXXX XXXX XXXX auto loan late payment removed. It was removed and cleared from my report. Now, a month later the report has been resurrected with false information. A majority of my on time payments have been erased from my payment history with the new report and the late payment has been placed back onto my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
To whom it may concern, I am writing to formally dispute the legitimacy of student loan accounts being reported under my name, which I believe were accessed and potentially compromised as a result of the recent data breach involving your systems or affiliates ( commonly referred to as the XXXX XXXX XXXX ). 

It has come to my attention that my private and personally identifiable information was accessed without my authorization through the Department of Educations network or its loan servicer partners. As a result, I have reason to believe these student loan entries are either inaccurate, fraudulent, or processed without my full and informed consent. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : Immediate investigation into the validity and origin of the student loan ( XXXX ) reported under my name. 

Complete removal and deletion of any and all related student loan entries from my credit report during this dispute process. 

Written confirmation of the deletion and an explanation of how this breach impacted my personal account. 

I am also requesting all records and documentation you have on file associated with these loans, including the application, any forbearance or repayment history, and evidence of my consent or authorization. 

Given the sensitivity and urgency of this issue, I expect a response within 30 days as required by law. I have also contacted the credit bureaus to report this breach and dispute the related entries. 

Please confirm receipt of this message and provide a case reference number. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request removal of the following inaccurate personal information from my credit report : This information is no longer valid and should not be associated with my file.

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 2025-04-16 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-16 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: Experian Information Solutions Inc.
State: OH

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 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-04-16 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: IN

Complaint narrative:
In XXXX of XXXX I applied for a forbearance on my account. It was approved. In XXXX of XXXX all three of my credit reports dropped significantly, they stated that my student loans were late 90 days, I contacted aid advantage, they let me know that I was approved, however XXXX loans were not included for some reason, they fixed it on the phone for me and my acct was not current. I then disputed this with all XXXX credit bureaus and they updated my credit information. Fast forward to today, my credit was again reported as 90 days late, dropping XXXX points while I am in the process of trying to refinance my home. I called aid advantage and was told, I need to submit to them evidence of the credit agencies correcting my reports? I did not understand this. I asked them, is my account 90 days late? They stated no, it shows XXXX due and in forbearance. I then asked why are you reporting it 90 days late then, she said she had no idea why. I asked then why are you not able to help me update this with the credit agencies, she stated until I submit evidence to them that they fixed my credit with original error, they would not help me. I then got off the phone and submitted an email asking for help with this issue, I received this response : Step XXXX : Provide a detailed, written explanation for the basis of the dispute, including your : Name Address and phone number Account number or SSN Step XXXX : Provide documentation to support your dispute, including : A copy of the relevant sections of your credit report highlighting disputed reporting Cancelled checks or bank statements reflecting loan payments you believe were not applied to your account School enrollment information related to the loans involved in the reporting An identity theft report and supporting information if you believe your loan is the result of identity theft. This requires filing a report with your local or state police department or other law enforcement agency Any other information you believe is pertinent to your claim XXXX XXXX : Mail this information to the address below. 

XXXX Department of Education XXXX XXXX - Official Servicer of Federal Student Aid Attn : Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhey will do nothing to help me to fix my credit report showing that my account is in fact current. This is 2 times now my credit has erroneously been reported as 90 days late, its effecting my life.

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 2025-04-16 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: IN

Complaint narrative:
In XXXX of XXXX I applied for a forbearance on my account. It was approved. In XXXX of XXXX all three of my credit reports dropped significantly, they stated that my student loans were late 90 days, I contacted aid advantage, they let me know that I was approved, however XXXX loans were not included for some reason, they fixed it on the phone for me and my acct was not current. I then disputed this with all XXXX credit bureaus and they updated my credit information. Fast forward to today, my credit was again reported as 90 days late, dropping XXXX points while I am in the process of trying to refinance my home. I called aid advantage and was told, I need to submit to them evidence of the credit agencies correcting my reports? I did not understand this. I asked them, is my account 90 days late? They stated no, it shows XXXX due and in forbearance. I then asked why are you reporting it 90 days late then, she said she had no idea why. I asked then why are you not able to help me update this with the credit agencies, she stated until I submit evidence to them that they fixed my credit with original error, they would not help me. I then got off the phone and submitted an email asking for help with this issue, I received this response : Step XXXX : Provide a detailed, written explanation for the basis of the dispute, including your : Name Address and phone number Account number or SSN Step XXXX : Provide documentation to support your dispute, including : A copy of the relevant sections of your credit report highlighting disputed reporting Cancelled checks or bank statements reflecting loan payments you believe were not applied to your account School enrollment information related to the loans involved in the reporting An identity theft report and supporting information if you believe your loan is the result of identity theft. This requires filing a report with your local or state police department or other law enforcement agency Any other information you believe is pertinent to your claim XXXX XXXX : Mail this information to the address below. 

XXXX Department of Education XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They will do nothing to help me to fix my credit report showing that my account is in fact current. This is XXXX times now my credit has erroneously been reported as 90 days late, its effecting my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In XXXX of XXXX I applied for a forbearance on my account. It was approved. In XXXX of XXXX all three of my credit reports dropped significantly, they stated that my student loans were late XXXX days, I contacted aid advantage, they let me know that I was approved, however XXXX loans were not included for some reason, they fixed it on the phone for me and my acct was not current. I then disputed this with all XXXX credit bureaus and they updated my credit information. Fast forward to today, my credit was again reported as 90 days late, dropping XXXX points while I am in the process of trying to refinance my home. I called aid advantage and was told, I need to submit to them evidence of the credit agencies correcting my reports? I did not understand this. I asked them, is my account 90 days late? They stated no, it shows XXXX due and in forbearance. I then asked why are you reporting it 90 days late then, she said she had no idea why. I asked then why are you not able to help me update this with the credit agencies, she stated until I submit evidence to them that they fixed my credit with original error, they would not help me. I then got off the phone and submitted an email asking for help with this issue, I received this response : Step XXXX : Provide a detailed, written explanation for the basis of the dispute, including your : Name Address and phone number Account number or SSN Step XXXX : Provide documentation to support your dispute, including : A copy of the relevant sections of your credit report highlighting disputed reporting Cancelled checks or bank statements reflecting loan payments you believe were not applied to your account School enrollment information related to the loans involved in the reporting An identity theft report and supporting information if you believe your loan is the result of identity theft. This requires filing a report with your local or state police department or other law enforcement agency Any other information you believe is pertinent to your claim XXXX XXXX : Mail this information to the address below. 

XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They will do nothing to help me to fix my credit report showing that my account is in fact current. This is 2 times now my credit has erroneously been reported as 90 days late, its effecting my life.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I would like my personal information updated to remove all past addresses and aliases for accuracy. Id also like to have all of my accounts investigated to validate the account information and balances are correct.

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 2025-04-16 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
While reviewing my credit report there are many different names reporting with incorrect spelling or the wrong name. My name is XXXX XXXX and is spelled like this. While reviewing my credit report I see that these names need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MD

Complaint narrative:
While reviewing my credit report there are many different names reporting with incorrect spelling or the wrong name. My name is XXXX XXXX and is spelled like this. While reviewing my credit report I see that these names need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I can not log into my Experian account. Someone has hacked my XXXX factor authentication and I can not correct it. The phone number has no real person available to help and the automated phone tree does not have an option to fix this. I have spent hours trying to get ahold of someone. The call always drops. I have attached an image of the false XXXX factor information.

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 2025-04-16 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit file, I noticed the following hard inquiries that I did not authorize : XXXX XXXX XXXX  via Dealer - Inquiry date XXXX ALLY FINANCIAL Inquired on - XX/XX/XXXX ALLY FINANCIAL Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  VIA DEALER Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ALLY FINANCIAL Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon reviewing my credit file, I noticed the following hard inquiries that I did not authorize : XXXX XXXX XXXX  via Dealer - Inquiry date XXXX XXXX XXXX Inquired on - XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EXETER FINANCE LLCXXXX Inquired on XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash app ( Block inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) .Specifically, cash app failed to take timely and effective measures to prevent address on their platform, leaving my account, vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under The Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC
State: KS

Complaint narrative:
I asked for XXXX XXXX XXXX XXXX to dispute my debt, they said they needed a payment of {$1.00} so they could verify who I am, after that they then proceeded to say that I had to pay {$190.00} for them to dispute my debt or it wouldnt be entered I specifically declined paying {$190.00} for the dispute and ended the call, they then tried running my card for {$190.00} MULTIPLE times for up to an hour after the phone call had ended

Company response to consumer: Closed with explanation