vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
I'm a victim of the NPDData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ).

I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe EXPERIAN 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested Experian 's method of verification several times back in XX/XX/XXXX, and as late as XXXX of 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 2025-01-16 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: NC

Complaint narrative:
I'm a victim of the NPDData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Finarrcial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). 
I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe EXPERIAN 'S handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested Experian 's method of verification several times back in XX/XX/XXXX, and as late as XXXX of 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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately. 
I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days. 
The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately. 
I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference. 
All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS : XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the fraudulent information reported on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 15 U.S.C. 1681c-2, and to request that this information be blocked and removed immediately.

I have attached a copy of my FTC Report ( FTC Report Number : [ XXXX ), along with additional documentation supporting my claim. This report demonstrates that the information in question is the result of fraud and should not appear on my credit report. 
Pursuant to Section 15 U.S.C. 1681c-2, when a consumer submits an identity theft or FTC report , credit reporting agencies are legally obligated to block or remove any information identified as fraudulent within four business days.

The information on my credit report was reported without my explicit consent or written authorization. This constitutes a violation of my rights as a consumer under the FCRA. Therefore, I request that this information be blocked and removed immediately.

I would like to inform you that I have been a victim of fraud, as unauthorized accounts and transactions have been reported in my credit history. I have also filed a complaint with the Federal Trade Commission ( FTC ), and I am including a copy of this report for your reference.

All required documentation to support this claim is included in this package and has been sent to your agency via fax and certified mail. I demand that the following fraudulent accounts be removed from my credit report without delay : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently conducted an in-depth review of my credit report, which led to significant emotional distress. During my investigation, I discovered several unverifiable, invalid, inaccurate, and questionable items that your agency failed to ensure were accurately reported.

Under the Fair Credit Reporting Act, all information on my credit report must be fully accurate. According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not being reported with 100 % accuracy. Please find attached copies of all the letters I have previously sent.

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 2025-01-16 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: TX

Complaint narrative:
I recently conducted an in-depth review of my credit report, which led to significant emotional distress. During my investigation, I discovered several unverifiable, invalid, inaccurate, and questionable items that your agency failed to ensure were accurately reported.

Under the Fair Credit Reporting Act, all information on my credit report must be fully accurate. According to 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation for not being reported with 100 % accuracy. Please find attached copies of all the letters I have previously sent.

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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. despite having sufficient funds when transactions were authorized. i was charged fees due to lagged posting of charges and credits. this issue aligns with the recent cfpb findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience. Experian, XXXX and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Tri-State Adjustments, Inc.
State: NC

Complaint narrative:
I would like to know whats on my report that would stop me from writing insurance with 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 2025-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I sent this company a cease and desist on XX/XX/year>. I have still received repeated phones calls from this company. From my phone records it shows your company attempted to contact me on XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX at XXXXXXXX XXXX  ; and today XX/XX/XXXX at XXXXXXXX XXXX This is a direct disregard to the letter sent to your company and a direct violation of the Fair Debt Collection Practices Act. Your company is showing a blatant disrespect for the law and consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Meritize Financial Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I reached out to XXXX XXXX  and XXXX XXXX  called XXXX, based on their social media ads I saw on XXXX. After speaking with one of the representative of XXXX, I was made aware that XXXX was a XXXX and cybersecurity training bootcamp that helps people and career professionals transition into XXXX ( XXXX XXXX XXXX  ) and XXXX  opportunities with promises of job employment. The representative of XXXX said the cost of the training was {$30000.00} and financing is done through " Meritize. '' The representative convinced me that the program was worth it as they have a high success rate of job placement. I was made to proceed with getting financing ( a Meritize loan ) of {$30000.00}. However, after starting the program in XXXX of XXXX, I noticed multiple suspicious red flags. First, there were multiple representatives and/or admin members of XXXX I discovered ( through the self-paced online videos ) were former students of the same XXXX XXXX which made me wonder and question the job placement success stories I was told. Second, the training program did not come with covered XXXX  certification vouchers, which meant that training participants still had to cover for certification ( out of pocket ) in addition to financing the training for {$30000.00} through Meritize. Third, it became common to see XXXX representatives through their learning platform share free XXXX and XXXX  information that they obtained from XXXX searches. This particular observation made me question the cost of a XXXX XXXX program at {$30000.00}. Fourth, the XXXX live training session, which appears to be given by real XXXX  XXXX, are live lectures with XXXX and XXXX information that can be found on XXXX and on XXXX searches. Overall, I have been misled by XXXX into financing a {$30000.00} fake XXXX  that is not worth {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
On XX/XX/XXXX, I received a letter from Mohela stating " On XX/XX/XXXX, a federal court issued a stay preventing the Department of Education ( XXXX ) from operating the Saving on a Valuable Education ( XXXX ) Plan. As a result of this ruling, XXXX has directed MOHELA to put your account into a forbearance ... While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' Then, on XX/XX/XXXX, I received a letter from Mohela stating, " In an effort to keep you updated on your federal loan ( s ), we have enclosed details about your loan ( s ), including the accrued interest, interest rate, and interest, totaling {$580.00}. This letter also states, " interest continues to accrue on your loan ( s ) during the forbearance period, '' which conflicts with information I received in the letter dated XX/XX/XXXX. I had continued to pay on my student loans during COVID-19 forbearance and was tracking that my accrued interest should be {$0.00}. On XX/XX/XXXX at XXXX XXXX, I called Mohela and spoke with a rep named XXXX. She informed me that letter was sent in error. I asked if there would be an updated letter and she informed me she would have to see. I then submitted a complaint to the CFPB. I have received no communication from Mohela since submitting this complaint ID XXXX dated XX/XX/XXXX. 

I then checked my loan balances in XX/XX/XXXX, and they all increased. For the following, the left-hand side will be the balances according to documentation I received from Mohela dated XX/XX/XXXX and on the right-hand side will be balances listed in my online Mohela account as of today, XX/XX/XXXX. 

Loan XXXX : {$6900.00} ... ... ... ... ... ... ... ... ... .. {$6900.00} XXXX XXXX : {$10000.00} ... ... ... ... ... ... ... ... ... {$10000.00} XXXX XXXX : {$2100.00} ... ... ... ... ... ... ... ... ... .. {$2100.00} XXXX XXXX : {$5500.00} ... ... ... ... ... ... ... ... ... .. {$5600.00} XXXX XXXX : {$13000.00} ... ... ... ... ... ... ... ... ... {$13000.00} XXXX XXXX : {$14000.00} ... ... ... ... ... ... ... ... ... {$14000.00} XXXX XXXX : {$7000.00} ... ... ... ... ... ... ... ... ... ... {$7000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Date ] XX/XX/year>2025 **Experian** po box XXXX XXXX Tx XXXX **Subject : ** Dispute of Inaccurate Personal Information on My Credit Report Dear Experian, I am writing to dispute inaccurate personal information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that the following addresses are incorrectly listed under my personal information section : # # # XXXX. **Address : ** XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX - **Issue : ** This address is reported on my credit file but is not a valid or current address for me. Please remove this address from my record as it is inaccurate. 

# # # XXXX. **Address : ** XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX - **Issue : ** This address is also listed on my credit file but is not associated with me. Please remove this address from my record as well. 

# # # **Request : ** Please investigate and verify the accuracy of these addresses. If they are not linked to my credit history, kindly remove them from my file in order to ensure my personal information is accurate. 

I have attached supporting documentation, such as a government-issued ID, utility bills, or any other relevant information to help substantiate my claims and confirm my correct address. Please update my credit file accordingly. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the removal of the inaccurate information. 

Sincerely, **XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: DC

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. My information was exposed in the Equifax data breach and aslo a XXXX Data breach see supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
XXXX now is servicing my loans. I have significant discrepancies with the reporting of my credit report late payments from previous servicing agent XXXX. 

As per federal law and the FDCPA, regulation under the following XXXX XXXX. XXXX et XXXX. XXXX, you are not allowed to propagate misleading information. Currently XXXX ( previously XXXX ) is knowingly making false and misleading statements about my student loan debt. 

My Equifax credit report has a number of late payments 90/120/150/180 days late. Based on the Forbearance and Deferment history and records from XXXX these can not be correct as they are reported. These late dates are not correct. Please answer the following questions. 

See the list below and attached credit report late payments and XXXX account history. 
XXXX Late payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XXXX XX/XX/XXXX XXXX. How can XXXX be 90 days late if the forbearance ended in XXXX? 
a. How can XXXX be 120 days late if the Forbearance ended in XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XXXX XX/XX/XXXX XXXX XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XX/XX/XXXX late XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XXXX be 90 days late if the forbearance ended in XX/XX/XXXX? 
a. Would the first 90 day late report be XX/XX/XXXX? 
b. How can XXXX be 180 days late if the Forbearance ended in XXXX XX/XX/XXXX? 
c. How long was the XXXX XX/XX/XXXX XXXX when it ended in XX/XX/XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 90 days late if the forbearance ended XXXX XX/XX/XXXX? 
a. Would the first 90 day late report be XX/XX/XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XXXX XXXX XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 120 days late if the forbearance ended in XXXX XX/XX/XXXX? 
a. How long was the Forbearance that ended XXXX? Did it cover XX/XX/XXXX? 

XXXX Late Payments XXXX Forbearance/Deferment End Date XX/XX/XXXX late XXXX XX/XX/XXXX XX/XX/XXXX late XXXX XX/XX/XXXX XXXX XXXX late XX/XX/XXXX late XX/XX/XXXX late XXXX. How can XX/XX/XXXX be 90 days late if the forbearance ended in XXXX XX/XX/XXXX? 
a. The first 90 day late payment would be XX/XX/XXXX? 
b. How long was the Forbearance that ended XXXX XX/XX/XXXX? Did it cover XX/XX/XXXX?

Company response to consumer: Closed with explanation