vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I am submitting this formal complaint against Helvey & Associates, a third-party debt collection agency located in XXXX, Indiana. This company is attempting to collect a debt from me that I do not owe and have never acknowledged. I have no prior relationship with this company and no knowledge of the alleged debt they claim exists. 

Helvey & Associates has contacted me about a debt without providing any proper documentation or verification, as required under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692g ). They have failed to : Identify the original creditor ; Provide an itemized accounting of the alleged debt ; Show any contract bearing my signature ; Prove they have legal authority to collect on this account.

Furthermore, if this alleged debt has been reported to any consumer reporting agencies, Helvey & Associates is in direct violation of the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681s-2 and 1681i ) for furnishing unverifiable and potentially false information about me.

I take this matter extremely seriously, and I am requesting a full investigation into the practices of Helvey & Associates. Their actions appear to be : Deceptive Potentially fraudulent In violation of multiple federal consumer protection laws I request that the CFPB intervene and require Helvey & Associates to immediately cease all collection efforts, provide full validation of the alleged debt, and remove any related reporting from my credit profile if it exists.

Please confirm receipt of this complaint and keep me informed of any actions taken. I am prepared to escalate this matter further if necessary, including involving legal counsel and state regulatory bodies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I reviewed my Experian credit report and found that myXX/XX/XXXX account is reporting 30 days late in XX/XX/scrub> 2023 and 60 days late in XX/XX/scrub> 2023. 

I dispute this reporting under FCRA 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to report with maximum possible accuracy. I am requesting an investigation and verification of the late payment information being reported.

I have attached a screenshot of the accounts payment history as it appears on my Experian report. If this reporting can not be verified with supporting documentation from the furnisher, I am requesting immediate removal of the late payments and correction of the account to reflect Paid on Time.

Thank you for your time and prompt resolution of 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, my loan servicer XXXX sent formal written notice stating that 100 % of my federal student loans associated with the University XXXX Arizona XXXX XXXX were discharged under the XXXX Department of Educations Borrower Defense to Repayment program.

The letter clearly indicates that these loans were fully discharged, have no remaining balance, and that XXXX would notify all three nationwide credit reporting agencies Experian, TransUnion, and Equifax within 45 days to remove or update any prior credit reporting related to the identified loans. 

As of XX/XX/XXXX, all three credit bureaus are still reporting two Department of Education/XXXX accounts ( partial account numbers : XXXX ) as open, deferred, and carrying balances of {$6500.00} and {$4300.00}, respectively. These accounts are inaccurately listed as Open / Never Late with a future repayment start date of XX/XX/XXXX, despite being formally discharged. 

This violates both the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, which require discharged federal loans to be updated with : A {$0.00} balance A closed status A proper loan discharge notation under the Compliance Condition Code field ( e.g., BC for bankruptcy or AL for XXXX XXXX forgiveness, as applicable ) I have disputed the reporting directly with Experian, TransUnion, and Equifax and submitted the discharge documentation. However, all three continue to furnish inaccurate, outdated information. This has caused material harm to my credit profile and misrepresents my legal and financial standing. 

I am requesting that the Consumer Financial Protection Bureau : Investigate this matter and compel all three bureaus to fully correct or remove the inaccurate entries Confirm that the accounts are either fully updated to reflect a {$0.00} balance and discharged/closed status or deleted entirely if they are no longer eligible for reporting I have attached the formal Nelnet discharge letter dated XX/XX/XXXX, for your review, along with supporting documentation showing the current inaccurate 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I lost my job and my ex husband passed away and I could not afford my bills. I contacted a debt consolidation company and was scammed. They didnt pay and of my payments and I got behind. Navy Federal closed my credit card account and then reported it as charged off. The account is closed and charged off, but every time I put money in my account they take it and there is no indication as to where the money is going. I spent a couple hours on the phone back in XX/XX/XXXX. They finally figured out the money taken was applied to the closes/charged off account. This happened several times and I was told XXXX cant get the money back. {$1200.00} was taken in XXXX of XXXX, {$76.00} was taken in XX/XX/XXXX and {$69.00} was taken in XX/XX/XXXX. The same thing happened with my auto loan. In XX/XX/XXXX they took {$20.00}, XX/XX/XXXX they took {$770.00} The money they were taking was VA XXXX travel pay and house insurance money, which caused me to lose my house because they took the check for the insurance money. I would like this money returned to me. I am willing to set up a payment plan for both accounts if my money is returned and if they promise not to take any more of my money illegally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXXXXXX please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was never late. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
I am a victim of identity theft and I completed the correct steps of filling my affidavit, police report, and my dispute for my inaccurate information using my consumer protection laws and there are still old addresses appearing and reappearing when the only address that should be on there is XXXX XXXX XXXX XXXX I also sent in my proof of address showing those other addresses are not mine and that information is incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am disputing an inaccurate 120-day late payment being reported on my credit report by Experian for XXXX XXXXXXXX XXXX account XXXX. This account was canceled and forgiven in XXXX, and I received IRS Form 1099-C showing that the debt was discharged. Despite this, Experian continues to report a 120-day delinquency in XXXX XXXX  months after the account should have been settled. This delinquency was incorrectly added after an unrelated dispute on XX/XX/XXXX. Prior to XX/XX/XXXX the account history was accurately reported. 

I submitted a dispute, but Experian failed to correct the inaccurate information. This misreporting is damaging my credit and violates the Fair Credit Reporting Act. I am requesting that Experian remove the inaccurate late payment immediately and confirm correction of the tradeline. 

Included are copies of my credit report before the incorrect info was added, current credit report, dispute results showing no change, and a copy of the 1099-C showing the discharge and the {$0.00} fair market value of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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
Consumer complaint received 2025-05-21 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: NC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
A criminal attempted to impersonate a council person and requested a wire for $ XXXX. A Navy Federal Credit account was used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This record of late payments is inaccurate and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX  XXXX please investigate and provide proof with statements showing that these payments were late. If proof can't be provide I demand these payments be updated to on time as they should be as I was never late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have an auto-pay/make a payment for my student loans on the XXXX of every month. This month for XXXX, I made my monthly student loan payment on XX/XX/XXXX, a few days earlier then usual in the amount of {$150.00}. However, I received an email from XXXX + Mohela the following week that mentioned there was insufficient funds to cover the loan payment. However, I make this payment every month with the same amount and there have been no issues before. I contacted XXXX and they mentioned that Mohela charged my account twice... which is why there was an insufficient funds notice even though my XXXX transaction of {$150.00} went through. 

XXXX said my funds would be reversed, however, its been XXXX weeks and my funds have not returned and it still shows my money has been taken out. On the Mohela website, it shows the payment was reversed as well. I've contacted Mohela and they said they are unable to find the information XXXX provided me which is that Mohela charged me twice for my loan payment. My money is still out of my account and now they claim I am " delinquent '' and late with my monthly payment even though I made this payment! This is clearly a system-IT technical error with Mohela, yet they have been unable to help me. 

Each time I contact them for support, they keep transferring me to specialists and ultimately hang up on me. They are not helping me at all with my issue. Can you please provide some assistance on this matter? I am diligent and on time with my monthly payments to avoid issues, and yet, even after I made this months payment, Mohela is noting my account to be overdue and late! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AR

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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