vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WAFD BANK
State: NM

Complaint narrative:
I contacted WaFd Bank both through phone calls to the XXXX customer service number and through emails to the manager of the branch in New Mexico where my checking account was opened. I also spoke on the phone to a teller at the XXXX, TX branch where the trust account established for my benefit was opened. I asked all three individuals for access to information about activity surrounding the trust account. The XXXX branch teller told me that only the trustee is allowed access to such information. The XXXX customer service agent as well as the NM branch manager echoed the same response. I was told by the branch manager that the trust account is the property of the trustee, and therefore if I as beneficiary want access to statements, I would first have to request permission from the trustee. And that if the trustee refused to give me access, I could then file a complaint through the bank itself. However, the trustee never refused a request from me. My intention is to monitor the trust account independently from what the trustee may or may not share with me. I was told by all three WaFd employees that I as beneficiary, do not have the right to monitor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: Oliphant United, Inc.
State: HI

Complaint narrative:
This is in reference to CFPB Case # XXXX I am writing to respond to the companys reply dated XX/XX/XXXX. While the company stated that a validation of debt package has been requested and will be sent, it is now XX/XX/XXXX, and I have still not received any documentation. 

To be specific : I filed the original CFPB complaint on XX/XX/XXXX I received their response via the CFPB portal on XX/XX/XXXX and filed feedback and a rebuttal, i received their response to that on XX/XX/XXXX I separately mailed a certified debt validation letter, which XXXX received on XX/XX/XXXX, confirmed via XXXX XXXX As of today, XX/XX/XXXX, I have received no validation package, no supporting documentation, and no response to my written request Furthermore, I contacted XXXX XXXX, the original creditor named by Oliphant, and was informed that : The account was sold to Oliphant in XXXX, XXXX They could not provide any payment history, charge-off date, or documentation to support the debt They also stated they could not discuss the account further due to its sale I specifically informed XXXX XXXX that I had previously settled the account, and they were unable or unwilling to provide confirmation or denial of that claim. 

Key Concerns : Oliphant continues to report this account on my XXXX credit report, yet neither they nor XXXX XXXX has provided any documents to validate the debt This ongoing reporting, without proper validation and despite multiple disputes, is a violation of both the FDCPA and FCRA The debt is impacting an active background investigation, which is causing me professional harm Requested Resolution : Full and timely debt validation from Oliphant, including original signed contract, chain of custody, charge-off details, and payment history Immediate cessation of credit reporting if validation can not be provided Removal of the tradeline from my credit report due to unverifiable and inaccurate information I respectfully request that this matter be escalated within the CFPB, as I have made repeated good faith efforts to resolve the issue. The lack of response after XXXX weeks from both parties demonstrates a disregard for my rights under federal law. 

As a resident of Hawaii, I understand that this debt may now fall outside the statute of limitations for collection under state law. Additionally, as a U.S. military veteran, this ongoing issue is causing undue harm to my background investigation and professional opportunities. I respectfully ask that this be resolved without delay to avoid further hardship and preserve my rights under the FDCPA, FCRA, and applicable state protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-02 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: EdFinancial Services
State: CA

Complaint narrative:
I would like to understand my XXXX repayment options and have been waiting over 4 months ( 120+ days ) for a response for an Income Drive Repayment ( IDR ) application submitted on XX/XX/XXXX. I contacted Edfinancial on XX/XX/XXXX, and Edfianical is still unable to provide a processing timeline for the application and states that I am ineligible for a 60 day processing forbearance during the application processing. I believe Edfinancial is incorrect about the processing forbearance ineligibility and that Edfinancial should also be able to provide an approximate timeline of when my XX/XX/XXXX IDR application will be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: KY

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-02 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: FL

Complaint narrative:
There is a hard inquiry listed on my Experian credit report from XXXX dated XX/XX/year>. I do not recall authorizing this credit pull, and it appears to have been added without my explicit consent. The presence of unauthorized inquiries suggests mishandling of personal data, potentially due to a breach or misuse of my credit information. Under 15 USC 1681b, a consumer reporting agency may only furnish a report when there is a permissible purpose, and that standard was not met here.

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 2025-05-02 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : mortgage loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: KY

Complaint narrative:
* * Dispute Statement and Demand for Immediate Action Legal Notice * * To Whom It May Concern, This is a formal dispute regarding the inaccurate and damaging information being reported on my credit file concerning the account formerly held with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number ending in XXXX XXXX XXXX. Specifically, I dispute the * * reported 30-day late payment dated XX/XX/scrub>XXXX XXXX XXXX which is incorrect and has never been properly verified. 

Pursuant to my rights under the * * Fair Credit Reporting Act ( FCRA ) * *, including but not limited to * * 609 ( a ) * * ( Right to Information ), * * 611 ( a ) * * ( Dispute Procedures ), * * 623 ( b ) * * ( Duties of Furnishers After Notice of Dispute ), and * * 605 ( b ) * * ( Obsolete or Inaccurate Information ), I have requested verification and documentation supporting the derogatory entry. To date, * * you have failed to provide the required records, payment history, or any form of valid documentation substantiating this late payment * *. 

Let me be clear : if you are unable to verify the accuracy of this derogatory item with documented evidence, * * you are legally required to remove it immediately * *. Continuing to report unverifiable information is a * * willful violation of federal law * *, and I am fully prepared to pursue legal action, including filing complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and my states * * Attorney Generals office * *. 

Furthermore, if this issue is not resolved within the statutory time frame of * * 30 days * *, I will initiate litigation against all involved parties for * * defamation of character, willful noncompliance, and damages under 15 U.S. Code 1681n and 1681o * *, which allow for actual, statutory, and punitive damages, along with attorneys fees. 

You are hereby notified to conduct a reinvestigation and provide * * full documentation * * of all payment history and internal reporting records regarding this account. If you can not validate the entry, * * you must permanently delete the inaccurate item from all consumer reporting agencies * *. 

This is your final opportunity to correct this matter before I escalate legally. 

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 2025-05-02 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: MI

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : mortgage loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Notified Capitol One that my identity was stolen and to place a fraud alert on all three credit bureau 's on XXXX. I received notification that Capitol One ran my credit for an auto loan on XXXX and a hard inquiry on XXXX. On XXXX, I pulled a credit report from all three credit bureau 's and was told by XXXX to call Capitol One and notify them as well. I notified Capitol One and they showed no record of any auto loan being applied for and did not see a credit inquiry for XXXX. I disputed with all three credit bureau 's. XXXX notified me today, XXXX that the credit inquiry was valid and would stay on my account for XXXX years. In the dispute I did explain the identity theft and fraud, sent a police report, and FTC complaint. XXXX  is refusing to remove from credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: IL

Complaint narrative:
experian is the only reporting agency report this account ( upstart XXXX ) this account needs to be remove immediately because it was involved in a data breach that comprised my information and lead this account to be open without my consent a ftc XXXX report was sent to experian and the data furnisher, FAILURE TO DELETE THIS ACCOUNT FROM MY CREDIT FILE IS A VIOLATION OF FCRA 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 2025-05-02 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief