vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax RE : Requesting you Block and Remove Fraud from My Consumer Report >I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within XXXX business days of receiving a complaint that includes the following information : 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 I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00} as specified in >15 U.S.C 1692k.

> Defamation of Character >Negligent Enhancement of Identity Fraud >Violation of the Fair Credit Reporting Act >Violation under 15 U.S. Code & sect ; 1681o - Civil liability for negligent non compliance >Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance >Failing to comply with 15 USC 1692 ( g ) >Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports >Under 15 U.S.C. 1681i ( 7 ) Method of verification >Violations under 15 USC 1681 a ( 4 ) right to privacy >Violations under 15 U.S. Code & sect ; 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited XXXX check Monday was on hold till Friday hold came off but they put hold on my account now they want me wait 4-6 weeks for my money when my checks has cleared hold lifted and my funds will be available the XXXX Monday which I was told by letter I reviewed in mail but they want me to wait I just want close my account at the point and get funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
Almost 2 years ago, I submitted a request to have the payments I made during XXXX refunded. Since that time, I have received {$41000.00} out of {$46000.00}. I am still entitled to receive the remaining balance of {$4500.00}. There were two servicers of which I made payments to. I have received the full balance of refunds from Mohela in total of {$23000.00}. However, I have only received a partial amount from my previous servicer XXXX. I have made numerous contacts with Mohela and they have been of no help, especially the managers. Several requests have been put through with Mohela and there is still no progress toward receiving my remaining balance of {$4500.00}. After requesting my paperwork from Mohela from payments made to both servicers, I was able to determine the missing amounts were still from XXXX. I, again, contacted Mohela to provide them this information to see if it could help to speed up the process. Again, they were unhelpful and said that " it can take a while '' and they " could not follow up with the Accounting Department '' to see the status. The balance however, has already been applied back to my loan and I have not received the refund for it. It is for XXXX loan sequence # XXXX, currently Mohela loan sequence # XXXX. XXXXXXXX XXXX and escalation case had been submitted and still no refund and no one can tell me what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
I voluntarily returned my vehicle on XX/XX/year> I dont owe anything and I want this company removed from my report for false reporting immediately its affecting my home buying process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I hope this email finds you well. I received your info from XXXX XXXX who you were working with to help resolve a fraudulent account made by her ex XXXX XXXX, I hope you can do the same for me. 

I had the same experience with XXXX. He was a XXXX employee and myself and a friend were on an account with him that he fully managed. After I found out he was stealing from me he left and shortly after I started getting mail from XXXX for unpaid bills. He sent receipts to me showing he was paying it down and then he disappeared. 

I reached out to XXXX many times and received a packet of phone numbers associated with our names, I don't even know how many there are. Needless to say I have never seen nor used any of these before. Now both myself and XXXX, the other person on the account are receiving collections letters for upwards of XXXX. I hope you can help me put an end to this once and for all. Something from XXXX confirming it is fraud or just a closing of the collections account would be preferable. Below is the information that I have on the account, please let me know what else you may need. I look forward to your response. Thank you in advance for your help! 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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 fraud theft and in results are the following accounts not authorize by me or inaccurate information : XXXX XXXXXXXX XXXXopen-03-25-2022-Amount - {$350.00} XXXX XXXX XXXX-open-09-09-2022-Amount- {$990.00XXXX XXXX XXXXXXXX XXXX-open-XXXXAmount- {$880.00} XXXX XXXX XXXX-openXXXX-Amount- {$500.0XXXX XXXX-open-XXXXXXXX-Amount- {$1400.00} XXXX XXXX-open-XXXX-Amount- {$640.00} XXXX XXXX-open-XXXXAmount- {$300.00} XXXX XXXXXXXX XXXX  XXXX-openXXXXAmount- {$1800.00} XXXX XXXXXXXXopen-XXXXXXXXXXXX-Amount- {$3600.00} XXXX XXXX-OpenXXXXAmount- {$700.00} XXXX XXXX XXXXXXXX-OpenXXXXAmount- {$200.00} XXXXXXXX XXXX-Open-XXXX-Amount- {$400.00XXXX XXXX XXXX XXXXOpen-XXXXXXXXAmount- {$3100.00} XXXX-OpenXXXXAmount- {$700.00} XXXXXXXX XXXX XXXXOpen-XXXXAmount- {$3900.00} XXXXXXXX XXXX XXXXXXXX-OpenXXXX-Amount- {$11000.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXN.-OpenXXXXXXXX-Amount- {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: NC

Complaint narrative:
I am a victim of identity fraud theft and in results are the following accounts not authorize by me or inaccurate information : XXXX XXXXXXXX XXXXopen-03-25-2022-Amount - {$350.00} XXXX XXXX XXXX-open-09-09-2022-Amount- {$990.00XXXX XXXX XXXXXXXX XXXX-open-XXXXAmount- {$880.00} XXXX XXXX XXXX-openXXXX-Amount- {$500.0XXXX XXXX-open-XXXXXXXX-Amount- {$1400.00} XXXX XXXX-open-XXXX-Amount- {$640.00} XXXX XXXX-open-XXXXAmount- {$300.00} XXXX XXXXXXXX XXXX  XXXX-openXXXXAmount- {$1800.00} XXXX XXXXXXXXopen-XXXXXXXXXXXX-Amount- {$3600.00} XXXX XXXX-OpenXXXXAmount- {$700.00} XXXX XXXX XXXXXXXX-OpenXXXXAmount- {$200.00} XXXXXXXX XXXX-Open-XXXX-Amount- {$400.00XXXX XXXX XXXX XXXXOpen-XXXXXXXXAmount- {$3100.00} XXXX-OpenXXXXAmount- {$700.00} XXXXXXXX XXXX XXXXOpen-XXXXAmount- {$3900.00} XXXXXXXX XXXX XXXXXXXX-OpenXXXX-Amount- {$11000.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXXN.-OpenXXXXXXXX-Amount- {$190.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
Between XX/XX/XXXX and XX/XX/XXXX, my TransUnion credit report shows multiple hard inquiries from the following companies : XXXX  XXXX ( multiple times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries are not authorized nor do I have these accounts with signed authorization. I called for inquiries to be removed but they were doubled. I did not submit multiple applications that would justify duplicate or redundant pulls from the same company ( e.g., XXXX XXXX showing up more than once ). These inquiries appear either : Unpermitted, meaning no application was made, Duplicative, meaning the same company pulled multiple times for the same inquiry purpose, Or not clearly disclosed to me with my signed authorization, which is required under law. 

These inquiries may violate federal consumer protections under the following sections : 15 U.S.C. 1681b ( f ) : A person shall not obtain a consumer report for any purpose unless it is authorized under this section and the person certifies the purpose.

15 U.S.C. 1681q : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined or imprisoned.

15 U.S.C. 1681n and 1681o : Provides for civil liability for willful or negligent noncompliance with the FCRA, including unauthorized inquiries or failure to investigate consumer disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
Between XX/XX/XXXX and XX/XX/XXXX, my TransUnion credit report shows multiple hard inquiries from the following companies : XXXX  XXXX ( multiple times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX These inquiries are not authorized nor do I have these accounts with signed authorization. I called for inquiries to be removed but they were doubled. I did not submit multiple applications that would justify duplicate or redundant pulls from the same company ( e.g., XXXX XXXX showing up more than once ). These inquiries appear either : Unpermitted, meaning no application was made, Duplicative, meaning the same company pulled multiple times for the same inquiry purpose, Or not clearly disclosed to me with my signed authorization, which is required under law. 

These inquiries may violate federal consumer protections under the following sections : 15 U.S.C. 1681b ( f ) : A person shall not obtain a consumer report for any purpose unless it is authorized under this section and the person certifies the purpose.

15 U.S.C. 1681q : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined or imprisoned.

15 U.S.C. 1681n and 1681o : Provides for civil liability for willful or negligent noncompliance with the FCRA, including unauthorized inquiries or failure to investigate consumer disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I received a letter in the mail claiming to be Bank of America regarding unclaimed property or funds I was supposedly owed.It provided a phone number and instructions to contact them.I checked with Bank of America website directly and verified it was not a legitimate communication.This appears to be scam using the bank s name to trick consumers and it appears to be a phishing scam attempting to gather personal information or defraud me and they have account number on letter but the letter is not legitimate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
In XXXX, my federal student loans were originally serviced by XXXX XXXX ( XXXX ). These loans were disbursed and accurately reported on my credit report with proper open dates tied to XXXX. For several years, these tradelines supported my credit profile, showing aged credit, on-time payment history, and a consistent account age that positively contributed to my score. 

However, between XX/XX/XXXX and XX/XX/XXXX, multiple student loan tradelines previously reported under XXXX were removed from my credit file and replaced with new tradelines now labeled as serviced by XXXXDOFED. 

The issue is as follows : One or more XXXX/DOFED tradelines were re-added to my credit report with a new " open date '' of XX/XX/XXXX, despite the loans having originated in XXXX. 
A separate XXXX/DOFED tradeline was added with an open date of XX/XX/XXXX, but was later removed altogether. 

These actions resulted in : Suppression of my credit age Elimination of positive payment history A XXXX drop in my credit score despite my history of repayment These changes were not requested by me, nor was I notified of any dispute-related removals that would explain this activity. I did not consolidate my loans or understand what would justify my history being charged so much on a servicer-transferred account. 

I believe XXXX actions constitute a re-aging of my tradeline, a serious violation of consumer credit protections under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate or misleading information to consumer reporting agencies 15 U.S.C. 1681s-2 ( a ) ( 2 ) Requires data furnishers to correct and update previously reported information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) Prohibits continued reporting of inaccurate information after being notified by the consumer 15 U.S.C. 1681c ( a ) ( 4 ) Ensures accurate reporting of the " date of first delinquency '' or account open date. 

These changes are materially damaging to my credit report and creditworthiness. They appear to be the result of negligent data transfer, reporting error, or deliberate re-aging to appear as new debt which unfairly lowers my score and impacts my financial options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Before XX/XX/XXXX, I fully paid off my auto loan with Chrysler Capital, as confirmed by my official title issue date of XX/XX/XXXX. Despite this, the account is still being reported as open with a {$0.00} balance on my credit file. This is inaccurate and misleading.

As a result of this incorrect reporting, my credit score has been negatively impacted, and I was recently given a high interest rate on a new auto loan, despite having consistent income and no current debt. 

I attempted to contact Chrysler Capital directly on XX/XX/XXXX, but I was disconnected before reaching a representative. I have not received any updated information or correction to my credit report since. 

I am requesting an immediate investigation and correction of this account to reflect Paid in Full Closed status, and for this correction to be updated across all credit bureaus as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Ongoing Violation of FCRA Bankruptcy Record Maintained Without Verifiable Source Description : I am submitting this formal complaint against XXXX, XXXX, and Equifax for continued and willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 611 and 607 ( b ). 

I have disputed a XXXX XXXX bankruptcy listing on my credit file for over XXXX years. I have submitted a signed letter from the XXXX Bankruptcy Court ( Middle District of Florida ), in which the Deputy-in-Charge confirms the court does not report any data to credit reporting agencies.

Despite this, all three agencies continue to list the bankruptcy with no verifiable furnisher. Under FCRA 611, consumer reporting agencies must verify the accuracy and source of the information. Since the court has explicitly denied reporting any such record, the data is inherently unverifiable.

Further, the CRAs have failed to provide a data furnisher when asked under FCRA 611 ( a ) ( 7 ), violating transparency requirements. This bankruptcy is materially harming my ability to secure fair credit and constitutes negligent and willful noncompliance under FCRA 616 and 617.

I request : A full investigation by the CFPB.

Immediate removal of the unverifiable bankruptcy from all three credit reports.

Enforcement action against the CRAs for repeated noncompliance. 

Attached is the court letter confirming their non-involvement, which has also been submitted to each bureau multiple times without action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Ongoing Violation of FCRA Bankruptcy Record Maintained Without Verifiable Source Description : I am submitting this formal complaint against XXXX, XXXX, and Equifax for continued and willful violation of the Fair Credit Reporting Act ( FCRA ), specifically 611 and 607 ( b ). 

I have disputed a XXXX XXXX bankruptcy listing on my credit file for over XXXX years. I have submitted a signed letter from the XXXX Bankruptcy Court ( Middle District of Florida ), in which the Deputy-in-Charge confirms the court does not report any data to credit reporting agencies.

Despite this, all three agencies continue to list the bankruptcy with no verifiable furnisher. Under FCRA 611, consumer reporting agencies must verify the accuracy and source of the information. Since the court has explicitly denied reporting any such record, the data is inherently unverifiable.

Further, the CRAs have failed to provide a data furnisher when asked under FCRA 611 ( a ) ( 7 ), violating transparency requirements. This bankruptcy is materially harming my ability to secure fair credit and constitutes negligent and willful noncompliance under FCRA 616 and 617.

I request : A full investigation by the CFPB.

Immediate removal of the unverifiable bankruptcy from all three credit reports.

Enforcement action against the CRAs for repeated noncompliance. 

Attached is the court letter confirming their non-involvement, which has also been submitted to each bureau multiple times without action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: CA

Complaint narrative:
I am writing to formally dispute the reported late payments on my credit report related to the accounts listed below. These late payment entries are inaccurate, and I am requesting that they be corrected to reflect a status of Paid as Agreed, in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666b ( Billing Errors ), which protects consumers against inaccurate reporting due to billing errors. 
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 Dispute Basis : Violation of 15 U.S.C. 1666b Billing Errors and Dispute Resolution According to 15 U.S.C. 1666b, creditors are required to investigate and resolve billing errors, which include inaccurate reports of late payments. The reported delinquencies on these accounts constitute billing errors because the payments were made on time and in full. Therefore, the reporting of these payments as late is both inaccurate and misleading, and must be corrected under the law.

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