vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within XXXX business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by XXXX XXXX, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXX. XXXX OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
Complaint Summary Inaccurate XXXX XXXX XXXX XXXX XXXX XXXX filing a formal complaint due to several inaccuracies and inconsistencies across my credit reports with TransUnion, Experian, and Equifax. The following five accounts contain mismatched late payment reporting, missing payment history, incorrect balances, and inconsistent comment fields, which are negatively impacting my creditworthiness. 

XXXX. XXXX Account # XXXX XXXX & Experian report the account as open and current. 
Equifax reports it as closed and 60 days late with a past due of {$88.00}, despite payment activity showing otherwise. 
Comment fields are empty on TransUnion and Experian but list Account closed by credit grantor on XXXX 
Inconsistent reporting of status and payment history needs to be corrected. 

XXXX. XXXX XXXXXXXX Account # XXXX All three bureaus report the account as 90 days late. 
Payment history prior to the reported delinquency in XX/XX/2025 is missing, even though payments were made before this. 
This incomplete history creates a misleading negative profile that does not reflect actual payment activity. 

XXXX. XXXX XXXX  Account # XXXX All bureaus report the account as 60 days late. 
Equifax reports a high credit of {$0.00}, which is inaccurate compared to the {$420.00} reported by TransUnion and Experian. 
Again, on-time payments before delinquency are not displayed, misrepresenting my payment behavior. 

XXXX. XXXX Account # XXXX The comment fields differ across all three bureaus : TransUnion : Dispute resolved ; customer disagrees. 
Experian : Subscriber reports dispute resolved consumer disagrees. 
Equifax : Consumer disputes after resolution Account closed by credit grantor. 
This inconsistency creates confusion about the accounts status and outcome of the dispute. 

XXXX. XXXX Account XXXX XXXX TransUnion reports 60 days late, while Experian and Equifax report 90 days late. 
High credit is listed as {$2600.00} ( TransUnion ), {$2700.00} ( Experian ), and {$650.00} ( Equifax ). 
XXXX comments also vary across bureaus, from Account closed by consumer to XXXX line closed - consumer request. 
These reporting errors are misleading, inaccurate, and harmful to my financial standing. I respectfully request that the CFPB investigate and ensure these accounts are updated to reflect accurate, complete, and consistent information across all three credit bureaus, including : Removal of incorrect late payments Restoration of full payment history Correction of credit limits, balances, and comments Thank you for your time and assistance in resolving these matters.

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 2025-04-17 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: NY

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. 
To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to validate my XXXX and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 
I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. An updated credit report reflecting the corrected information. Written confirmation of the actions taken to resolve this dispute.

If I do not receive a satisfactory response within XXXX  days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX CT XXXX NY XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
b'The following accounts were opened and are fraudulent, I have contacted Experian and they refused to remove. The following accounts do not belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I received a collection notice from American Profit Recovery , Inc. attempting to collect a debt allegedly owed to XXXX XXXX in the amount of {$3100.00}. I formally disputed the debt and exercised my right under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) to request full validation. However, American Profit Recovery failed to provide any of the legally required documentation, such as : A copy of the original signed agreement, A complete breakdown of the debt amount ( principal, interest, fees ), Evidence that the debt is not time-barred under Georgias statute of limitations, Proof of their legal authority to collect and their active license in Georgia. 

Despite failing to validate the debt, they have continued to attempt collection and may have reported this unverified information to credit bureaus, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) particularly 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ).

Their conduct appears to violate : FDCPA 1692g ( b ) : failure to cease collection pending validation.

FCRA 1681s-2 ( b ) : failure to investigate disputed data.

FCRA 1681e ( b ) : failure to ensure maximum possible accuracy in reporting. 

Applicable case law includes : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX, PA XXXX Identity Theft Affidavit and Request for Permanent Removal of Incorrect Information under 15 U.S.C. 1681c-2 ( FCRA 605B ) Dear TRANSUNION I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. copy of my credit report XXXX. Copy of my FTC report XXXX I request that you block and remove the fraudulent account and any associated negative information as mandated by law. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Department of education Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2025-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hello, I have a {$50.00} American Express card that I have been trying to use and it doesn't allow me to access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I reached out mid XX/XX/2024 because I was denied credit. I was reviewing my credit bureaus and seen that XXXX of my credit bureaus XXXX  and XXXX  are both showing my XXXX students loans current. On XXXX  shows that all XXXX student loans have been reporting delinquent for a while now. I filed a dispute with XXXX. I seen that the accounts were updated but they refused to send me a copy of the results of the dispute investigation. Based of my communication with the student loan servicer Aidvantage advised they reported correctly said it was on XXXX  side. Now that my loans have been updated. I am requesting them to be removed due to the FCRA because it is the responsibility of not also the credit bureaus but the servicers to be accurate on the information they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The accounts listed are not mine and were not authorized to access my personal information : XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXXXXXX XXXX XXXX The following inquiries were unauthorized : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
To Whom It May Concern, I found a hard inquiry from XXXX  XXXX, dated XX/XX/year>, on my Equifax credit report. I didnt apply for any credit with them, and I did not authorize this inquiry. 
This was not done by me and I believe someone used my personal information without my permission. 
Please remove this inquiry from my credit file. Ive attached my ID, proof of address, SSN, and my FTC Identity Theft Report. 
Thank you for helping me fix this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: RI

Complaint narrative:
Issue : Incorrect Credit Reporting / Lack of Notification / Unresponsive Servicer I am submitting this complaint because MOHELA has reported that I am XXXX days late on my student loan payments. However, the first missed payment occurred in XX/XX/year>, and I was never notified by MOHELA that a payment was missed, nor was I ever informed that my account exited forbearance. 

I only became aware of the issue after checking my credit report and seeing derogatory marks. Since then, I have : Paid the back amount due Enrolled in autopay Despite this, MOHELA has now reported me as XXXX days delinquent, causing serious and unjust damage to my credit. 

MOHELA has been completely unreachable : Ive waited on hold for over XXXX hours multiple times. 

Ive been disconnected or hung up on repeatedly. 

They have not responded to any of my emails. 

I am requesting the CFPB require MOHELA to : Provide a clear and documented explanation of when my forbearance ended. 

Remove or correct the credit reporting since I was never notified of missed payments or due dates. 

Offer a goodwill adjustment based on their communication failures. 

This is deeply frustrating and unfair. I acted in good faith as soon as I was aware of the situation and have done everything in my power to resolve it, despite their lack of communication and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I found XXXX hard inquiries on my TransUnion credit report that I didnt authorize : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never applied for credit with either of these companies. These inquiries were made without my knowledge or permission. I believe someone used my personal information fraudulently. 
Please remove both of these inquiries from my credit file. Im including my ID, proof of address, XXXX, and FTC Identity Theft Report. 
Thanks for helping me fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-04-17 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If the information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt 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 2025-04-17 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following date XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If the information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Relin, Goldstein & Crane, LLP
State: NY

Complaint narrative:
We received a fraudulent letter saying we owed {$30000.00} from a company we never heard of or dealt with. The law office listed on this letter doesn't seem legitimate when we called. They were asking for personal information such as date of birth, social security number, drivers license, etc... 
The letter says : You had a/an XXXX XXXX XXXXXXXX XXXX account with account number * XXXX. 
Letter was from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, New York XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Credit Collection Services ( on behalf of XXXX XXXX XXXX XXXX ) for reporting a collection tradeline on my XXXX  credit report that is inaccurate, unvalidated, and potentially erroneous in origin. 

ACCOUNT IN DISPUTE : Debt Collector : Credit Collection Services Original Creditor : XXXX XXXX XXXX XXXX XXXX : {$870.00} Date Assigned : XX/XX/year> Reporting Bureau : XXXX Status : Active Collection Grounds for Complaint and FCRA Violations : 1. FCRA 609 Lack of Debt Validation I never received a validation notice prior to this debt appearing on my credit report. I requested the original billing statements, proof of coverage lapse or cancellation, explanation of the alleged amount, and a copy of any IRS Form 1099-C if the debt was charged off. No documentation was provided.

2. FCRA 611 Improper Reinvestigation Despite disputing the account, it remains on file with XXXX without supporting documentation or confirmation of a lawful investigation process. 

3. FCRA 1681e ( b ) Inaccurate or Misleading Reporting If this debt was the result of an insurance cancellation or system-generated premium, it may be invalid or incorrectly billed. I received no itemized record from XXXX or the collector. 

4. Violation of Consumer Protections Due to Identity Theft and Data Breach Exposure I am a documented victim of identity theft and my personal data was exposed during the XXXX  data breach. Any unverified or third-party reported information increases my risk of harm and misattribution. This alleged debt may be linked to misuse of my personal data. 

5. Consumer Harm and Lack of Transparency This alleged insurance-related debt is unclear, unsubstantiated, and has directly impacted my credit rating without proper communication or disclosure. I was not given an opportunity to resolve the matter before it was reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation