vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I was asked to recertify my income by MOHELA for my income-driven repayment plan in XX/XX/XXXX. I completed this, causing my monthly payment to more than double. Immediately after recertification, the Department of Education issued a directive that income recertification was on pause through XXXX and no one was supposed to have needed to recertify their income. My payment was supposed to have reverted to the monthly payment I was making before I unnecessarily recertified. It never did revert, and I continued to make higher payments until my loans were eventually forgiven after my XX/XX/XXXX payment. I have asked three times about a refund for the total overpayment I was making due to income recertification MOHELA erroneously requested and have yet to receive any real confirmation that a refund is in process. 

On XX/XX/XXXX, I received only a refund for an extra payment I made in XX/XX/XXXX while my loan forgiveness was being processed. I did not receive a refund for the difference between what my payment should have stayed at ( {$1000.00} ) and the increased amount I was paying ( {$2300.00} ) for eight months of payments before I received loan forgiveness ( for a total overpayment of {$10000.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 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:
XXXX XXXX repossessed my vehicle in early XXXX and is still reporting the full original balance of {$19000.00} on my credit report. I never received a 10

99-C form or any breakdown showing how the balance was calculated after the vehicle was sold. No documentation has been provided to show auction details or a final accounting of the alleged debt.

I disputed this through the credit bureaus, and the account came back as verified without explanation or proof. This violates the Fair Credit Reporting Act ( 15 USC 1681i ) and 15 USC 1681s-2, which require furnishers to verify and accurately report data. I am requesting deletion or full correction of this account due to unverifiable and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX repossessed my vehicle in early XXXX and is still reporting the full original balance of {$19000.00} on my credit report. I never received a 1099-C form or any breakdown showing how the balance was calculated after the vehicle was sold. No documentation has been provided to show auction details or a final accounting of the alleged debt.

I disputed this through the credit bureaus, and the account came back as verified without explanation or proof. This violates the Fair Credit Reporting Act ( 15 USC 1681i ) and 15 USC 1681s-2, which require furnishers to verify and accurately report data. I am requesting deletion or full correction of this account due to unverifiable and incomplete reporting.

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 2025-06-04 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: TX

Complaint narrative:
I am not responsible for the accounts listed on my letter. They were opened without my knowledge or consent. As these entries violate my rights under 15 U.S.C. 1681g.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I hope this message finds you well. I'm writing to formally dispute some incorrect information that appears on my recent credit report. 

After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the tradelines reported by Kikoff, XXXX XXXX and XXXX XXXX on my credit report. These accounts are negatively impacting my credit profile due to incomplete or inaccurate reporting.

> Kikoff is showing 0 % payment history with a " Current '' status and no payment or balance data. This tradeline lacks complete reporting and is misleading. 

XXXX shows only 14 % on-time payment history and a derogatory mark, despite no recent account activity since XXXX and no payments since XX/XX/XXXX. It remains open with no monthly payment or balance details, and should be updated or removed. 

XXXX XXXX has not reported any activity since XXXX, is showing 0 % payment history, and also reflects a derogatory status with no updates since years prior. This account is outdated and inaccurately listed. 




> All three accounts reflect incomplete or misleading data and violate the accuracy requirements under the Fair Credit Reporting Act ( FCRA ). I am asking for these tradelines to be reviewed and either corrected with full accurate information or removed if the data can not be verified or is outdated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Self Financial Inc.
State: NC

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing a complaint against SELF/SouthState Bank regarding an account that is being reported under my name in the amount of {$520.00}. 

Account number : XXXX This account does not belong to me. I have never opened, applied for, or authorized any account with SELF or SouthState Bank. I believe this is a case of mistaken identity or potential fraud.

I am requesting that the company provide full documentation to validate this account, including : 1. A signed application or agreement, 2. All account records and payment history, 3. The name and contact of the original creditor, 4. Any identifying information ( such as IP address or location ) used to open the account. 
Until proper validation is provided, I am requesting that this account be immediately removed from all credit reporting, and that all collection activity stop. 
This inaccurate reporting is damaging my credit and financial reputation. Please assist me in resolving this issue and ensure the company complies with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am disputing four hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I apply for credit with the companies listed. These inquiries were made without my knowledge or consent, and I am requesting that they be removed from my credit report immediately as they are fraudulent. 

XXXX XXXX XXXXXXXX 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally requesting debt validation in accordance to 15 USC 1692 g. Previous request mailed XX/XX/XXXX to XXXX XXXX went unanswered. Two credit agencies removed it but Experian refuses to remove it. 

To my knowledge this refers to XXXX account terminated XXXX of XXXX over 7 years ago. The last payment made was XX/XX/XXXX removed from my bank account without permission and is now time barred from collection. Equipment return was never credited and service not terminated as promised. The amounts due as well as the account dates are incorrect and must be removed from my credit report as time barred and incorrect. I have never conducted business with XXXX and have never authorized any accounts or payments to them. 

1. I want a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Has there been any insurance claim found on this debt or charge off on 1099?

4. I want proof that they have the chain of title to collect on this debt.

5. I request a Cease and desist all Collections on this account and remove it from all collection reporting agencies. 
6. Amount corrected to {$0.00} and account closed.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion is reporting inaccurate and outdated personal information on my credit file, including an employer listed simply as " XX/XX/year> '' and a previous address listed as " XXXX XXXX XXXX XXXX, XXXX, GA XXXX. '' The employer entry, " XX/XX/year>, '' is nonsensical and appears to be a date rather than the name of an actual employer, which clearly signals a data formatting or input error. Additionally, the previous address is outdated and no longer relevant to my current financial profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion is obligated to maintain " reasonable procedures to assure maximum possible accuracy '' of the information it reports. Including an invalid employer name and obsolete address on my credit file is misleading and may create confusion or raise red flags for creditors during routine credit evaluations. These errors are especially concerning given the heightened risk of inaccurate data entry or unauthorized changes due to the growing number of data breaches and compromised consumer records across the credit reporting industry.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is currently reporting inaccurate and unnecessary personal information on my credit file, specifically multiple entries labeled only as XX/XX/year> under previous addresses, as well as a former address listed as XXXX XXXX XXXX XXXX, XXXX, GA XXXX. These entries are either improperly formatted, incomplete, or outdated, and they should not appear on a legally compliant credit report. An entry that merely displays XX/XX/year> with no address is not only vague but completely unusable from a verification standpoint, suggesting possible data corruption, misreporting, or a remnant from a broader data breach affecting reporting accuracy. 

According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), Experian has a duty to maintain accurate, relevant, and clearly presented personal information. Reporting fragmented or obsolete address data is not only misleading but may result in mismatches during identification verification, trigger false alerts for potential fraud, and complicate credit decision-making processes for lenders or underwriters.

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 2025-06-04 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: LA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-04 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C XXXX SECTION XXXX A. STATE I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C XXXX SECTION XXXX A. STATE I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C XXXX SECTION XXXX A SECTION XXXX : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-06-05 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: TX

Complaint narrative:
According to 15 USC 1692C You have violated my rights by unlawful communication. Please remove this collection from my credit report. 

Thank you

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 2025-06-05 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: TX

Complaint narrative:
According to 15 USC 1692C You have violated my rights by unlawful communication. Please remove this collection from my credit report. 

Thank you

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 2025-06-04 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: NM

Complaint narrative:
Experian, Equifax and Trans Union are ignoring my requests to investigate, verify and remove one account from my consumer credit reports/files that does not belong to me.

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 2025-06-04 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: NM

Complaint narrative:
Experian, Equifax and Trans Union are ignoring my requests to investigate, verify and remove one account from my consumer credit reports/files that does not belong to me.

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against [ Name of Furnisher or Collection Agency ] and XXXX XXXX XXXX XXXX for their continued reporting of inaccurate, unverified, and legally disputed information on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite my formal dispute and request for verification pursuant to 15 U.S. Code 1681i ( a ), the above-named parties have failed to conduct a reasonable investigation and have continued to report derogatory information that remains unsubstantiated. The account ( s ) in question were not validated, no supporting documentation was provided, and no original signed agreement or proof of ownership of the alleged debt has been produced by the reporting furnisher.

This behavior violates the following provisions of federal law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires consumer reporting agencies to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Mandates that if information can not be verified, it must be deleted from the consumer 's file.

15 U.S.C. 1681s-2 ( b ) Obligates furnishers of information to conduct an investigation after receiving notice of a dispute and to modify, delete, or block reporting of any information that is found to be inaccurate or incomplete.

15 U.S.C. 1681e ( b ) Requires that consumer reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Failure to comply with these requirements constitutes willful noncompliance under 15 U.S.C. 1681n, and/or negligent noncompliance under 15 U.S.C. 1681o, both of which carry financial and legal liability.

Let me be clear : If this inaccurate and unverifiable account is not permanently removed from all credit reporting agencies immediately, I am prepared to pursue all available remedies under federal and state law, including : Filing complaints with the Attorney Generals Office of California & Texas. 

Contacting the Federal Trade Commission ( FTC ) Filing a formal lawsuit against the responsible parties for damages under the FCRA This issue has caused me measurable harm including denial of credit, emotional distress, and damage to my personal and professional reputation. 

I demand that : All unverified and inaccurate information be deleted from my credit reports with XXXX XXXX XXXX XXXX 

A copy of the results of the reinvestigation, along with documentation used to support continued reporting, be provided to me. 

All future contact regarding this matter be in writing. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter immediately and hold the parties involved accountable to the fullest extent of the law.

Company response to consumer: Closed with non-monetary relief