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

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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

Complaint narrative:
I recently viewed a copy of my consumer credit report and noticed several inaccuracies that are significantly injurious to my credit rating and my ability to obtain new credit. The following accounts listed below have been CLOSED and CHARGED OFF for quite some time ; however, they have continued to update and report as charged off every single month. This constitutes an update in payment history. A closed/charged off account does NOT have an active payment history. A charge-off should only be reported ONCE. This inaccurate information on my credit report falsely manipulates the statute of limitations, which is a violation of my rights. Therefore, I am requesting that you IMMEDIATELY REMOVE the following accounts from my credit report. 

XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXXXXXX Account number XXXXXXXX XXXX XXXX XXXX A Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number 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 2025-05-05 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: KY

Complaint narrative:
Mohela, yet another service who has my loans. The time to get through to a representative is atronomical. They suggest website of course its not working properly. I have faxed a forbearance forms multiple times with no response. If you try and upload on the site provided of course its rejected. My loan is now past due. XXXX day after I held for almost XXXX minutes for further instruction I was told by a representative that she couldnt help with XXXX loans in this sector of Mohela so shed have to transfer. Only for the call to be disconnected. Ive found promisary note for a school I never attended. I need answers but I cant get ANY! I need answers and a payment amount that is feasible. I cant get through with XXXX hour wait times! This is catastrophic to many of us and we want answers and help.

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

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MN

Complaint narrative:
I have reported Mohela to multiple agencies for reporting loans that were forgiven- they are showing back up on my account after they were initially forgiven in XX/XX/XXXX, they showed back up in XX/XX/XXXX with a balance owed of over {$22000.00}. XXXX, the Dept of Education says these were FORGIVEN - so the head of lending who has the final say in all this says these loans do not exist any longer and Mohela is wrong, but Mohela refuses to update my account to match the Dept of Education. When I talk to agents after 4 hour holds at Mohela, they say they see errors on my account but no one ever fixes anything- they are still working on it. 

I am now trying to get the credit bureaus to fix my account to no avail, even with the Dept of education account evidence as backup - to no avail. I don't understand why Mohela has any authority when they literally just work UNDER the Dept of Education and the Dept of Education has final say and has said what my account status is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX, XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX, XXXX XXXX A PART OF XXXX Inquiry Date : XX/XX/XXXX, FACTOR TRUST Inquiry Date : XX/XX/XXXX, XXXX XXXX A PART OF XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX A PART OF XXXX  Inquiry Date : XX/XX/XXXX, XXXX XXXX A PART OF XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX A PART OF XXXX Inquiry 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 2025-05-05 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 was apart of the equifax data breach and I noticed items on my report that I'm not sure where they came from or who they belong to. They have all been sold to new creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
Subject : Formal Complaint Against MOHELA and XXXX Regarding Mishandling of Student Loans I am writing to file a formal complaint against both MOHELA and XXXX for serious mishandling of my federal student loans, which has caused me significant financial, emotional, and psychological distress. 

I currently have XXXX primary issues : XXXX. Loan Forgiveness Not Reflected in My Balance : XXXX recently informed me that {$40000.00} of my consolidated federal student loans were forgiven. However, as of today, this forgiveness has not been reflected in my account balance. The amount owed remains unchanged, despite the official communication indicating otherwise. 
XXXX. Public Service Loan Forgiveness ( PSLF ) and IDR Timeline Manipulated : I was on an Income-Driven Repayment ( IDR ) plan, and according to the documentation, I was set to have my loans forgiven in XX/XX/XXXX under XXXX. However, due to mismanagement by MOHELA, they claimed my loans would return to the XXXX XXXX XXXXXXXXwhich never occurred. Instead, I recently received notice stating I now have another year of required payments. 
In XXXX, I was in a serious car accident and had to file for XXXX XXXX XXXX to reorganize my bills. MOHELA placed my loans into forbearance again, which further delayed my eligibility for forgiveness. This is deeply unfair, especially considering I have worked in public service for over XXXX  years and have continuously submitted the required employment certifications. 
It appears that the closer I get to reaching loan forgiveness, the more the goalposts are moved. This is not only unjust but also emotionally damaging. My financial planning has been derailed, and due to XXXX XXXX XXXX restructuring, I may not even have employment next school year. 
Given this continued mishandling, I am requesting the following : Immediate correction of my loan balance to reflect the {$40000.00} forgiveness by XXXX. 
Immediate review and approval of my loan forgiveness under XXXX or XXXX, retroactive to XX/XX/XXXX. 
Full removal of all student loan accounts from my credit reports. 
Inclusion in any class-action lawsuits currently active or in progress against MOHELA for these or similar issues. 

The ongoing negligence and lack of transparency are unacceptable. I am also experiencing mental anguish due to this ordeal, and I am considering taking legal action against MOHELA if this situation is not resolved promptly. 
Thank you for your attention to this matter. I am including supporting documentation with this letter ( loan statements, communications, proof of employment, and I ask that the CFPB investigate this situation and take action.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/year> around XXXX I woke up from a notification saying my card was charged for {$13.00} and {$29.00} from a random merchant. They asked if i authorized this charge to which i said no. Then the charges went through anyway. I then proceeded to speak to XXXX, a Goldman and XXXX employee who was completely unable to resolve anything but submit a dispute. I then asked to be transferred to someone else, and a supervisor named XXXX did basically the same thing but with less punctuation mistakes. I have had my XXXX card used before once without my authorization but they were able to help me right away and close that account and send me a new card. This is NOT the case at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
CFPB Complaint Submission Company Involved : Fifth Third Bank Date of Incident : XX/XX/year> Issue : Debit card sent to an outdated address not associated with my account ; refusal to assist. 

Description of Incident : On XX/XX/year>, I contacted Fifth Third Bank as they sent a notification about replacement debit card that is being sent. This notice, sent on XX/XX/year>, said if any issues with address on file to call. My account records, which I verified online prior to the request, list my current address. However, the bank sent the debit card to an old address that has not been associated with my account for 4 years. 

I immediately called Fifth Third Banks customer service on XX/XX/year>, to report the error and request a new card be sent to my correct address. The representative stated that they could not send a replacement card because the original was sent to the address on file, which they claimed was correct, despite my account clearly showing my current address. 

Actions Taken : Verified my account address online before requesting the card. 

Contacted customer service on XX/XX/year>, to report the issue and request a replacement card. 

Confirmed that my account reflects my current address, not the old address used for delivery. 

Requested Resolution : I request that Fifth Third Bank : Send a replacement debit card to my correct address immediately. 

Update their systems to ensure my current address is used for all future correspondence. 

Provide an explanation for why an outdated address was used and why assistance was refused. 

They hung up twice and I unable to get the situation resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The account was deleted from my credit report, got notification that the account was re-added back on XX/XX/year> Under FCRA Section 611 ( a ) ( 5 ) ( B ), if any information is deleted from a consumers credit file after a dispute and the furnisher of the information later certifies the accuracy of that information, the credit reporting agency ( Equifax ) must notify the consumer in writing within 5 business days of reinserting the information. I did not receive any such notice, which constitutes a violation of this requirement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Garnishing for old credit card debt that is passed the statute of limitations ( XXXX yrs ). And, because of the many informational security breaches over the last couple of years, I have reason to believe the debt is due to ID theft, because I closed my only open account with that company as proven in my last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX I recently received a copy of my XXXX and XXXX credit report, and I noticed some late payments posted on my credit report. 
I have never been later on this account Account number XXXX XXXX XXXX XXXXXXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting to my account. If you can not supply thig, please DELETE this alleged payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 1681b- permissible purpose 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 to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character 2. Negligent Enablement of Identity Fraud

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

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next XXXX  days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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