vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westcreek Financial
State: IL

Complaint narrative:
I SAW MY ONLINE BANKING ACCOUNT FREE XXXX  SCORE AND MY STELLAR CREDIT DROPPED TO XXXX. I FREAKED AND SAW WEST CREEK FINANCIAL AKA KOALIFI REPORTING. THIS IS FRAUD, I HAVE BEEN A VICTIM OF IDENTIFY THEFT IN XXXX. I CALLED KOALIFI AND THEY NEED XXXX  ITEMS TO OPEN A FRAUD CASE. THIS, POLICE REPORT AND XXXX  FRAUD REQUEST. I CURRENTLY HAVE MY CREDIT FROZEN AND ANYONE WHO GRANTS CREDIT HAS TO CALL ME FIRST SO I AM BEYOND LIVID HOW KOALIFI OPENED CREDIT AGAINST MY BEHALF

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
1. On the XXXX XXXX XXXX  loan disbursed on XXXX XXXX, the loan amount was {$34000.00}, but on the XXXX website it is mentioned that I paid {$35000.00}. I paid before the XXXX  day period of disbursement of loans, so I should not have had to pay any interest. Where did the extra {$850.00} go? ( Attaching screenshot below - XXXX ) XXXX. On XXXX of XXXX, I made a payment towards my XXXX XXXX XXXX XXXX loan, disbursed on XXXX XX/XX/year>. On the MOHELA website, it acknowledges the receipt of the amount, but just above it is a reversal of the same transaction, as though I never paid it. I checked my bank statements too, and I did not receive that money back. Could you please help me understand where that amount went? ( Screenshot attached below - XXXX ) XXXX. On XXXX of XXXX, I made a payment of {$8300.00} towards the grad plus loan. Out of which, {$5900.00} was used to pay off XXXX direct unsubsidized. Where did the remaining {$2600.00} go? ( screenshot attached - XXXX ) Companies involved - MOHELA ( Federal Student Loan servicer )

Company response to consumer: Untimely response
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a collection account that has recently appeared on my credit report, under the name " XXXX XXXX XXXX XXXX This account does not appear to be mine, and I am unfamiliar with the debt. 

I sent letters to XXXX XXXX XXXX requesting verifiable proof that this debt belongs to me. Specifically, I requested hard evidence that traces the debt back to the original creditor, and not simply verification from a third-party database. As of today, I have not received any documentation confirming that this debt is indeed mine.

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

TO : MIDLANT CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MIDLAND CREDIT MANAGEMENT does not have a CONTRACT with XXXX XXXX XXXX, XXXX yet is attempting to collect a debt unlawfully!!! 

There was never any MEETING of the MINDS between MIDLAND and XXXX XXXX DOES NOT have any recorded security agreements or DEBT ASSIGNMENT that was signed by XXXX. 

Midland DOES NOT have any perfected security interest recorded in ANY COUNTY in ANY STATE in the UNITED STATES. NO UCC1, no recorded interest.

Midland has particiapted in the destruction of XXXX 's rights by holding and possesing, buying and selling his non-public information and there is no record of any signed Social Security Administration form SSA-89 authorizating the release of non public information There are more violations Midland is comitting by even seeking litigation for a FALSE INVALID UNLAWFUL DEBT CLAIM. 

The origins of the DEBT is inaccurate as XXXX was NEVER A DEBTOR, and is the GRANTOR of the Trust Transaction that was originally with XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX THIS FALSE REPORTING Is IDENTITY THEFT DUE TO MISCHARACTERIZATION AND DEFAMTION IN THE LIBEL, USING NON PUBLIC INFORMATION FOR FALSE AND MISLEADING REPORTING : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, where the court held : A bank can not lend its own credit. 

BANKS HAVE THE POWER TO BORROW.... NOT MAKE LOANS FROM THEIR OWN ASSETS SO TO PROPORT THAT ANY LENDER GAVE THE CONSUMER ANYTHING IS FALSE! THE CONSUMER GAVE THE LENDER AN EXECUTED INSTRUMENT THAT HAS ENRICHED THE LENDER AND THE LENDER USED THAT PAPER TO CREATE MONEY, THE COLOR OF MONEY... THE CONSTITUTION DEFINES MONEY AS GOLD AND SILVER. THUS ONLY CREDITS WERE CREATED BY THE LENDER. AND THE LENDER IS THE BORROWER. NOT THE CREDITOR.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding serious misconduct by XXXX XXXX XXXX involving unlawful credit reporting practices, irregular loan contracts, and misrepresentation of account status. 

XXXX XXXX has reported my auto loan account as 'charged off ' but continues to report monthly late payments, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ). Once a debt is charged off, it can not continue to be updated as though it remains delinquent. Furthermore, I was never notified by XXXX XXXX that my account had been charged off, in violation of both the FCRA and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 

More concerning is that I later discovered XXXX XXXX is in possession of XXXX separate contracts under my name for the same vehicle loan. I was only ever aware of and signed one of these contracts. The contract they enforced does not include XXXX insurance, whereas the other does. The signatures on the XXXX contracts do not match, raising serious concerns about the authenticity and potential forgery of documents. 

After my vehicle was totaled and the insurance payout failed to cover the remaining balance, XXXX enforced the contract without XXXX coverage and continued to pursue collection. This has severely harmed my credit standing and caused emotional distress. 

These actions by XXXX XXXX appear to violate the following federal statutes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 - Truth in Lending Act ( TILA ), 15 U.S.C. 1631 and 1640 - Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827 I respectfully request that the CFPB investigate this lender for deceptive and fraudulent practices, improper credit reporting, and the use of potentially forged or duplicated contracts. I have supporting documentation including both contracts, my insurance report, and screenshots of the ongoing negative credit 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 explanation
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding serious misconduct by XXXX XXXX XXXX involving unlawful credit reporting practices, irregular loan contracts, and misrepresentation of account status. 

XXXX XXXX has reported my auto loan account as 'charged off ' but continues to report monthly late payments, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ). Once a debt is charged off, it can not continue to be updated as though it remains delinquent. Furthermore, I was never notified by XXXX XXXX that my account had been charged off, in violation of both the FCRA and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 

More concerning is that I later discovered XXXX XXXX is in possession of XXXX separate contracts under my name for the same vehicle loan. I was only ever aware of and signed XXXX of these contracts. The contract they enforced does not include XXXX insurance, whereas the other does. The signatures on the XXXX contracts do not match, raising serious concerns about the authenticity and potential forgery of documents. 

After my vehicle was totaled and the insurance payout failed to cover the remaining balance, XXXX enforced the contract without XXXX coverage and continued to pursue collection. This has severely harmed my credit standing and caused emotional distress. 

These actions by XXXX XXXX appear to violate the following federal statutes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 - Truth in Lending Act ( TILA ), 15 U.S.C. 1631 and 1640 - Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827 I respectfully request that the CFPB investigate this lender for deceptive and fraudulent practices, improper credit reporting, and the use of potentially forged or duplicated contracts. I have supporting documentation including both contracts, my insurance report, and screenshots of the ongoing negative credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding serious misconduct by XXXX XXXX XXXX involving unlawful credit reporting practices, irregular loan contracts, and misrepresentation of account status. 

XXXX XXXX has reported my auto loan account as 'charged off ' but continues to report monthly late payments, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c ( a ) ( 4 ). Once a debt is charged off, it can not continue to be updated as though it remains delinquent. Furthermore, I was never notified by XXXX XXXX  that my account had been charged off, in violation of both the FCRA and the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 

More concerning is that I later discovered XXXX XXXX is in possession of XXXX separate contracts under my name for the same vehicle loan. I was only ever aware of and signed XXXX of these contracts. The contract they enforced does not include XXXX insurance, whereas the other does. The signatures on the XXXX contracts do not match, raising serious concerns about the authenticity and potential forgery of documents. 

After my vehicle was totaled and the insurance payout failed to cover the remaining balance, XXXX enforced the contract without XXXX coverage and continued to pursue collection. This has severely harmed my credit standing and caused emotional distress. 

These actions by XXXX XXXX appear to violate the following federal statutes : - Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 - Truth in Lending Act ( TILA ), 15 U.S.C. 1631 and 1640 - Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827 I respectfully request that the CFPB investigate this lender for deceptive and fraudulent practices, improper credit reporting, and the use of potentially forged or duplicated contracts. I have supporting documentation including both contracts, my insurance report, and screenshots of the ongoing negative credit 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I have had a chime account for almost XXXX to XXXX  years and I have never misused or abuse my account. My account is always in good standing so wheres the law or rules that I broke to have my account closed. I use my account accordingly and its not fair that my account is being closed and not give the reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of XXXX  Reporting FCRA 611 ( 15 U.S. Code 1681i ) Violation and Rule 9037 Privacy Breach IMMEDIATE REMOVAL DEMANDED Dear Experian, This letter is a formal notice of dispute concerning the bankruptcy entry currently appearing on my credit report. This bankruptcy has not been verified in compliance with 15 U.S. Code 1681i, and its continued reporting violates my federal privacy rights under Rule 9037 of the Federal Rules of XXXX Procedure and 5 U.S. Code 552a. 



Pursuant to FCRA 611 ( 15 U.S. Code 1681i ), you are legally required to : Conduct a reasonable reinvestigation of any item disputed by a consumer ; Provide a description of the procedure used to determine the accuracy of the information ; Supply the name, address, and telephone number of the furnisher that verified the item. 




To date, you have failed to : Provide any documentation showing that the bankruptcy was verified through the original source ( i.e., the court ) ; Identify the actual furnisher of this public record ; Explain the method of verification, as mandated by 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). 




Moreover, XXXX  courts do not furnish records to credit reporting agencies. If you obtained this information through a third-party vendor ( e.g., XXXX or XXXX ), and failed to verify its accuracy or redacted status as required by Rule 9037, then your actions constitute a serious violation of my rights under federal law. 



This is a final demand : delete the XXXX  entry within 15 days of receipt of this letter or provide complete documentation, including : The court record you claim to have used ; The name and contact info of the source that furnished it ; A description of the exact procedure used in your verification. 




Failure to comply will result in immediate legal action for : Violation of 15 U.S. Code 1681i ( FCRA ) ; Violation of 5 U.S. Code 552a ( The Privacy Act ) ; Violation of Rule 9037 regarding the unlawful exposure or use of protected personal information ; Willful or negligent harm to my reputation and creditworthiness. 




I am also prepared to file complaints with the FTC and State Attorney General. 



I expect a timely response and written confirmation of deletion. This is not a request it is a legal demand. 



Sincerely, XXXX XXXX XXXX ( Last XXXX digits ) : XXXX XXXX : 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 2025-07-07 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 filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 

The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-07-06 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am a victim of identity theft. My XXXX  credit report contains several accounts and hard inquiries that I did not authorize or open. I submitted a formal dispute along with a police report filed with the XXXX XXXX XXXX XXXX and demanded the immediate blocking of fraudulent information under FCRA 605B. 

Despite providing all documentation, XXXX has failed to fully block or delete the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NORTHWEST BANCSHARES INC
State: SC

Complaint narrative:
I checked my credit report today ( XX/XX/2025 ) and noticed that Northwest Bank has reported inaccurate information which has caused my credit score to drop. I originally paid off this car loan on XX/XX/2025 when I purchased another vehicle, due to me trading the vehicle in. I then, received a letter stating that on XX/XX/2025 the vehicle was paid in full. That's a whole other month. They also sent me a check due to an overpayment, so if the account is delinquent why would they send a check. As of today, XX/XX/2025 it's reporting on my credit report that it's not and showing delinquent. I have attached the documents below, showing when I traded in the vehicle, paid it off, and the letter from Northwest stating the vehicle is paid in full, a picture of the check they sent me, along with my ID.

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 2025-07-07 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: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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