vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CO

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a written dispute to Experian on XX/XX/year>2025, challenging multiple inaccurate and unverifiable accounts on my credit file. Experian closed the dispute on XX/XX/year>2025, claiming the accounts were verified, but provided no supporting documentation or proof of authorization. The disputed accounts remain on my report despite their failure to conduct a proper reinvestigation as required by the FCRA. 

Additionally, Experian failed to apply proper Consumer Identification Procedures ( CIPD ) before reporting these accounts, resulting in inaccurate and harmful data being associated with my profile. These actions reflect clear violations of FCRA 611, 623, 607 ( b ), 604, and CIPD obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: MO

Complaint narrative:
I submitted a formal Demand for Accounting to OPP Loans on XX/XX/year>, under my legal authority as Trustee for the XXXX XXXX XXXX XXXX ( XXXX ). 

That demand cited XXXX XXXX, TILA, and XXXX, XXXX full validation XXXX debt, assignment records, and lawful ledger. No response was given. 

I followed up with a Notice XXXX XXXX XXXX on XX/XX/year>, giving 3 days to cure. Again, no response. 

Despite this dishonor, OPP Loans has continued reporting false or unvalidated debt to the credit bureaus. This violates Truth in Lending and credit accuracy standards. 

I am now submitting an Affidavit XXXX Dishonor ( Exhibit AB ) to document their failure to respond, along with supporting documents for enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paysend US LLC
State: NY

Complaint narrative:
I used XXXX to send money to help my family. XXXX requested verification of the funds : bank statements for 3 months, ID, wire transfer transactions. I. Their policy it says that verification should take 24 hours, rarely 3-5 bus days. It has been 6 months. I did not get an answer from them. All attempts to find out the status were useless. There is no phone number to call all communication is through email. Right now can not do transfers, I dont have reply regarding verification process. I provided highly confidential personal information ( bank statements ), ID, social security. Im concerned what was done with this information. 
Email associated with the account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I requested information from chexsystems, they have wrong information about me in there system, my address is not XXXX XXXX XXXX XXXX florida XXXX .. I have asked them to remove this information, they have not, and didn't respond to me .. it's been over 30 days...

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
NOTICE OF DISPUTE AND DEMAND FOR VALIDATION PURSUANT TO THE FAIR CREDIT REPORTING ACT ( FCRA ) To Whom It May Concern, This letter is a formal dispute regarding the collection account you have reported to the credit bureaus under account number XXXX I dispute the validity and accuracy of this account in its entirety under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). As such, I demand the immediate removal of this account from all consumer reporting agencies. 

In accordance with my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I demand that you provide the following documentation : A complete and legible copy of the original, signed contract or agreement establishing my liability for the alleged debt. Generic billing statements or screenshots do not satisfy this requirement. 

A full and complete chain of custody ( chain of assignment ) from the original creditor to Portfolio Recovery Associates, including all assignments, transfers, and sale agreements. 

A detailed accounting of the alleged debt, including the full breakdown of charges, fees, interest, and payments applied. 

Failure to provide this information within 30 days of receipt of this letter will be considered a willful failure to comply with the FCRA ( 15 U.S.C. 1681i and 1681s-2 ) and the FDCPA ( 15 U.S.C. 1692g ), and I will pursue all legal remedies available to me.

Furthermore, be advised that any continued reporting of this account to any consumer reporting agency without proper verification and full validation constitutes a violation of federal law and my consumer rights. You are hereby on notice to cease and desist all collection activities and reporting until proper validation is provided. 

If you can not or will not provide the requested documentation, you must : Immediately delete this account from all credit reporting agencies under the FCRA. 

Cease all collection activities related to this account. 

This is my formal notice of dispute. Please update my file to reflect this dispute status in compliance with 15 U.S.C. 1681i.you have Failed to comply with the required documented

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
EXPERIAN has posted unverified debts on my consumer report without my express written consent Pursuant to 15 USC 1692c, EXPERIAN has also pursuant to 1692a ( 6 ) has violated collection practices and reporting Practices, EXPERIAN has been involved in collusion with Data collecting services along with Third party Debt collectors to keep negative items on consumer report along with preventing Consumers to update or change theyre information despite having proof of addresses, numbers, Jobs, or anything that goes against or would hinder Investigations of theyre third party conspirators Or Data furnishers from being able to validate or verify theyre purported Debts.

EXPERIAN is also refusing to update my address despite numerous attempts.

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 2025-06-02 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} Inquiries XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX WASHINGTON DC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} Inquiries XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
I have several federal student loans, all of which are under the SAVE repayment plan. All loans under the SAVE plan are supposed to be in a forbearance, and interest is not supposed to accrue during this ongoing forbearance period ( see attached letter from XX/XX/XXXX stating the same ). 

However, I received a letter today, XX/XX/XXXX, from my student loan servicer MOHELA saying that interest is accruing while the loans are still in forbearance ( see attached XX/XX/XXXX letter ). The letter includes a table which lists all of my loans. The table shows interest rates above XXXX for most of my loans, and shows that several of my loans have accrued thousands of dollars in interest since my last letter received in XXXX ( see attached XX/XX/XXXX letter showing a XXXX percent interest rate for all loans and lower unpaid interest balances ). Even the few loans that still list a 0 % interest rate today have a higher unpaid interest balance than in XXXX, which should not be possible. When I went onto the MOHELA website and looked at my loan details, the same increased interest rates were shown ( see attached screenshot from the MOHELA website ). 

I tried calling MOHELA 's customer service line as soon as I found out ( see attached screenshot of call log ). At first I was connected with a representative who told me that I needed to be transferred to a specialist to handle the issue. I then waited on hold for three and a half hours. I was then connected to the specialist, who told me that the issue had to be escalated and that I would be transferred to an escalation team. The phone call was transferred and I immediately received an automatic message saying that no supervisor was available, and that I would be disconnected and they would call me back. I have not received a call back as of making this complaint. 

In summary, MOHELA has been charging me thousands of dollars in interest on loans that are supposed to be interest free, and upon receiving my complaints are not resolving the issue and are essentially dodging my phone calls. I am also concerned that the increased balances will be reported to my credit bureau and my credit score will be negatively impacted in the future.

Please note that the exact interest rates and amounts can be seen in the attached letters and screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: WA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I am submitting this complaint because a creditor is reporting a charge-off and balance on my credit report even though the full payment was made before the charge-off date. This is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to consumer reporting agencies be accurate and complete. 

I provided payment to the creditor, and they received it prior to the date the account was marked as charged off. Despite this, the creditor continues to report the account as charged off with a past-due balance to the credit bureaus. I disputed this information with the credit bureau and contacted the creditor directly, but they have refused to correct or remove the inaccurate reporting. 

This false reporting is harming my creditworthiness, and I am requesting that the Consumer Financial Protection Bureau investigate and require the creditor to correct the account to reflect that the balance was paid before charge-off and remove the charge-off status and balance from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

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