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

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately block the following fraudulent and unauthorized accounts from my consumer credit report within four business days of receiving this complaint. In addition, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and validity of these accounts and demand a full reinvestigation as required by federal law. 

The fraudulent accounts reported on my credit file include : An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3700.00} An auto loan account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A student loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3500.00} A student loan account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$7900.00} A student loan account with Dept of XXXX opened XXXX XX/XX/XXXX, with a balance of {$4600.00} A student loan account with XXXX XXXX  XXXX opened on XX/XX/XXXX XXXX with a balance of {$10000.00} A student loan account with XXXX XXXX  XXXX opened on XX/XX/XXXX XXXX with a balance of {$6700.00} Under FCRA Section 611, I demand that Equifax provide complete details of its reinvestigation, including the method of verification used for each account and physical proof supporting the accuracy of the reported information. Without such evidence, these entries are presumptively fraudulent and constitute prima facie violations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
There debts on my account that have been charged off and I never received a XXXX C from the Company and did not receive it once requested. 

There are also things on my account that are not charges that are mine. 


Charged Off Accounts : XXXX XXXX {$670.00} and XXXXXXXX XXXX {$8100.00} Not Mine : Midland Credit Management {$740.00}, XXXX XXXX XXXX {$910.00}, XXXX XXXX XXXX {$260.00} and {$380.00}

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

Complaint narrative:
I am a victim of identity theft. some one has opened multiple credit cards in my name, car insurance and multiple inquiries were made!! Ive never gave anyone permission or authorization to open these accounts. Inquiries are, 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 XXXX

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

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
My credit report reflects late payment entries that I believe to be inaccurate. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I kindly request that these entries undergo verification. Should they remain unverified, I ask that they be promptly corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am being contacted by a new debt collection agency about a debt I already disputed and requested validation from a previous agency. The new collector has changed the reference number but is attempting to collect the same unverified debt. 

On XX/XX/XXXX, I sent a certified debt validation request to Credit Control , LLC, regarding an alleged medical debt with reference number XXXX. They never responded, failed to validate the debt, and did not provide the required documentation under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

In XX/XX/XXXX, a new debt collection agency began contacting me about the same debt, now using reference number XXXX. This new agency is attempting to collect a disputed and unvalidated debt, which appears to be an unlawful continuation or reassignment in violation of the FDCPA. 

No proper validation has ever been provided. This has caused continued distress and feels like an attempt to harass or circumvent my previous dispute. I am concerned the debt may also be reported to credit bureaus despite being in dispute. This debt was already paid using 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 2025-05-05 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

AXXXX 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
On XX/XX/year>, hard inquiries from both XXXX XXXX  and XXXX XXXX appeared on my Experian credit report. I did not apply for credit cards with either company, nor did I authorize these inquiries. I discovered both inquiries on XX/XX/year>. 

I called XXXX, and they confirmed that an application had been submitted using my information. They acknowledged it was fraudulent and agreed to remove it. I then called XXXX XXXX, but they stated no account or application existed under my name and did not take any action to investigate or remove the inquiry. 

I contacted Experian, but they refused to remove the unauthorized inquiries. I did not apply for these accounts and believe I was a victim of identity theft. I am requesting immediate removal of these fraudulent inquiries from 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
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/year>, hard inquiries from both XXXX XXXX  and XXXX XXXX appeared on my XXXX  credit report. I did not apply for credit cards with either company, nor did I authorize these inquiries. I discovered both inquiries on XX/XX/year>. 

I called XXXX, and they confirmed that an application had been submitted using my information. They acknowledged it was fraudulent and agreed to remove it. I then called XXXX XXXX, but they stated no account or application existed under my name and did not take any action to investigate or remove the inquiry. 

I contacted XXXX, but they refused to remove the unauthorized inquiries. I did not apply for these accounts and believe I was a victim of identity theft. I am requesting immediate removal of these fraudulent inquiries from 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
Consumer complaint received 2025-05-05 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I am writing to lodge a complaint regarding the abusive collection practices I have experienced from XXXX XXXX receiving calls and threatened to sue. This company calls me during work hours and after hours. This behavior was unreasonable and caused me significant distress. I request that you take immediate action to prevent this type of behavior from occurring again and apologize for the distress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
On XXXX XXXX I requested a refund of the {$15000.00} payment that Mohela received. They reported that it could take up to 90 days for the refund to be approved and processed and another 90 days for the Treasury to disperse the money. After the 9 day window I called and after waiting several hours was informed that it was still being processed. Later I called back and waited several hours, I called at XXXX PST, and was called back several hours later by a supervisor who stated that the refund had not been sent/processed and she would send this directly to acclunts receivable to be processed. About XXXX weeks later I called and am on hold for XXXX hours after calling again at XXXX PST, only to be told that a supervisor is needed and that I will be placed on another hold with no exact waiting time. The supervisor comes on the line, XXXX, and reports that since part of the payment, {$8700.00}, was applied and XXXX loans were paid in full, I could not get this money back. She said the refund was still open and that all refunds were delayed with no known or expected date. I asked for a letter stating this information and she reported that she sent an email to her XXXX requesting the letter. If this were true, I would still be entitled to the {$7200.00} that was applied to other loans that were not paid in full. Every time Mohela is contacted it takes hours by phone to reach someone who needs to send you to another department even though you already noted that you needed that specific department when the automated message first began. Mohela has already been sued and slapped with fines where they have had to repay money and/or end their contracts under the previous administration. This company should no longer be a loan servicer, their customer service is terrible and no resolutions come from them. They need to be audited because there is no reason everytime someone calls they are holding for XXXX hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX XXXX XXXX regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX XXXX XXXX * * * * Balance Owed : {$12000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX XXXX XXXX but to no avail.

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

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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

Complaint narrative:
I am disputing the account listed as XXXX XXXX XXXX  ( Acct # XXXX ) across all three credit bureaus. The creditor has confirmed in writing that they requested this account be removed, yet it is still reporting. 

Additionally, the balances are inconsistent : TransUnion & Experian : {$4800.00} Equifax : {$4600.00} This violates the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). I have attached the creditors correspondence for your review. Attached is the dispute letter sent to you certified on XX/XX/year> which is dated and time stamped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I am disputing the account listed as XXXX XXXX XXXX  ( Acct # XXXX ) across all three credit bureaus. The creditor has confirmed in writing that they requested this account be removed, yet it is still reporting. 

Additionally, the balances are inconsistent : TransUnion & Experian : {$4800.00} Equifax : {$4600.00} This violates the FCRAs requirement for maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). I have attached the creditors correspondence for your review. Attached is the dispute letter sent to you certified on XX/XX/year> which is dated and time stamped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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'm in disagreement with the account listed below which still appears on my credit report, even after your investigation, I would like this item to be immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXXXXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up.

Please provide me an updated credit report after you have completed your investigation and corrections. 

XXXX XXXXXXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MA

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 non-monetary relief
Consumer complaint received 2025-05-05 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: GA

Complaint narrative:
On or about XX/XX/year>, I submitted a legally compliant, documented request to Equifax Information Services LLC to correct and update inaccurate Personally Identifiable Information ( PII ) in my consumer credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. The request included all required verification documents, including valid government-issued identification, proof of current residence, and verification of my Social Security number. 

Equifax has failed to take timely and reasonable action to reinvestigate or correct the disputed information, in direct violation of its legal obligations under the FCRA. This failure has resulted in ongoing and substantial personal, financial, and emotional distress, including repeated credit denials, reputational harm, and undue burdens in accessing housing and essential financial services. 

Moreover, I am currently engaged in active legal proceedings related to identity theft and the restoration of my personal, financial, and professional life. The inaction and noncompliance of Equifax are materially interfering with this legal process and further exacerbating the damages I continue to suffer. 

This statement serves as a formal demand for immediate corrective action. Continued negligence may constitute a willful violation under 15 U.S.C. 1681n, entitling me to statutory and punitive damages, attorneys fees, and other relief. If Equifax does not fully remedy this matter without delay, I will pursue all legal remedies available to me under both federal and state law.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief