vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I graduated from XXXX XXXX in XX/XX/XXXX. I took a total of 7 loan sequences during my time in medical school, and have been on the 0 % interest COVID-19 followed by SAVE forbearances since graduation. My loan servicer is Mohela. On loan sequences 1-01 through 1-06, my loan statements show Outstanding Accrued Interest of {$2900.00}, {$2300.00}, {$3700.00}, {$50.00}, and {$740.00} respectively. I first noticed this a few months after graduating, called Mohela around XX/XX/XXXX, and was told these were in error, that my Outstanding Accrued Interest should be {$0.00}, should remain that amount until resolution of the SAVE forbearance, and that it would be automatically corrected in the future. It has now been over 2 years since those claims were made, and no correction has occurred. 

I believe the aforementioned interest accrual occurred in one of the first two months after signing up for the SAVE repayment plan ; no interest has accrued since. Particularly since my last loan sequence has {$0.00} in outstanding accrued interest, I highly suspect the over {$8000.00} in accrued interest was due to servicer reporting error, which they have still failed to correct.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Consumer Complaint Summary Synchrony Bank XXXX CareCredit Account XXXX in XXXX This is my XXXX formal complaint against Synchrony Bank for continued mishandling of my CareCredit account. Despite multiple certified letters, prior CFPB complaints, and ongoing review by the Connecticut Attorney Generals Office, Synchrony continues to take actions that damage my credit and violate federal consumer protection laws. 

Most recently : Between XX/XX/XXXX and XX/XX/year>, Synchrony readded the rem

ark Consumer disputes this account information to my credit report. This follows their previous
removal of that remark after my repeated demands during this active dispute.

The readded remark has caused my credit score to drop by another 5 points.

This is part of a broader, documented pattern : Synchrony has issued three separate refunds ( including {$1000.00} and {$1600.00} ) and reset my account balance to zero twice, proving they knew charges were wrongful.

They then readded thousands in charges without explanation, even after internally closing my account ( evidenced by two negative balances : {$640.00} and {$530.00} in XX/XX/year> ). 
On XX/XX/year>, they sent a letter claiming my account was closed per my request, yet still reported a {$530.00} balance with no documentation of how that amount was calculated. 
They have repeatedly altered dispute remarks on my credit file while continuing to report the account as delinquent. 
This ongoing conduct violates multiple federal laws : Fair Credit Billing Act ( 15 U.S.C. 1666 ) : Billing on a disputed account.

Truth in Lending Act ( 12 CFR 1026.4 ) : Charging for a product I never knowingly enrolled in.

Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ) : Furnishing inaccurate and contradictory information to credit bureaus.

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 monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I would like these accounts to be remove from my credit report so my credit report can report accurately ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act

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 2025-07-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I first disputed several inaccurate and unverifiable negative accounts on my credit report on XXXX XXXX & XX/XX/year>, including accounts from XXXX XXXX XXXX ( Account # ending * XXXX ), Portfolio Recovery Associates ( Accounts # ending * XXXX and * XXXX ), XXXX XXXX XXXX XXXX ( Account # ending * XXXX ), and XXXX XXXX ( Account # ending * XXXX ). 

Despite submitting formal dispute letters and requests for debt validation since that date, these entities have failed to conduct a reasonable investigation or remove the inaccurate information as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Their continued reporting of unverified or inaccurate debts constitutes willful noncompliance with federal law and causes significant harm to my creditworthiness and financial wellbeing. 

I have provided all relevant documentation and made multiple attempts to resolve this matter directly with the credit bureaus and debt collectors without success. 

I am requesting your immediate assistance to enforce compliance with federal consumer protection laws and ensure the prompt deletion of these inaccurate derogatory accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: KS

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
am filing this formal complaint against innovis for willful non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and failure to investigate multiple disputes regarding inaccurate information on my credit report. Despite providing conclusive evidence in two separate disputes sent multiple time on INNOVIS has refused to correct the following errors : XXXX. Unresolved Inaccuracies & FCRA Violations INNOVIS continues to report : Incorrect Identity Information : Misspelled name variations ( " XXXX XXXX XXXX, '' " XXXX XXXX XXXX, '' etc. ) despite valid Maryland Drivers License ( XXXX ) showing true legal name : XXXX XXXX XXXX XXXX 
Incorrect addresses ( e.g., " XXXX XXXX XXXX, '' " XXXX XXXX XXXX '' ) despite proof of residence at XXXX XXXX XXXX, XXXX, MD XXXX. 
XXXX Accounts : XXXX account XXXX XXXX falsely reported as " XXXX '' with a {$0.00} balance. 
XXXX BANK XXXX account # XXXX inaccurately marked " Settled - Less Than Full Balance. '' Failure to Investigate : Ignored attached documentation ( bank statements, drivers license, SSN card ) proving these accounts do not belong to me and lack valid authorization for reporting. 
XXXX. XXXX 'S Legal Violations 1681e ( b ) : Failed to maintain reasonable procedures to ensure maximum accuracy of reported information.

1681i ( a ) : Refused to conduct a reinvestigation of disputed items within 30 days.

1681i ( c ) : Did not provide written results of the reinvestigation or correct erroneous data.

1681g ( e ) : Ignored proof of identity submitted with disputes.

3. Evidence of Willful Negligence As noted in my initial disputes ( attached ) : INNOVIS has a documented history of unlawful practices ( e.g., 2023 $ XXXX jury verdict for FCRA violations ). 
They used boilerplate responses to dismiss my disputes without investigation, violating 15 U.S.C. 1681i ( a ) ( 3 ). 
Attached documents include : XXXX XXXX XXXX ( Page XXXX ) confirming true identity/address. 
XXXX XXXX XXXX statement ( Page XXXX ) refuting disputed accounts. 
Social Security card ( Page XXXX ) verifying XXXX. 
Detailed dispute letters ( Pages XXXX ) outlining inaccuracies. 
XXXX. Demand for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

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 2025-07-16 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: TX

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 2025-07-16 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: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: EQUIFAX, INC.
State: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 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 2025-07-16 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 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 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 2025-07-16 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: NC

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, or unverifiable information reported by the following companies to one or more consumer reporting agencies : [ Insert company names e.g., XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, etc. ] These companies may have violated the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws by engaging in the following : Reporting inaccurate or unverifiable information to consumer reporting agencies without conducting a proper investigation or ensuring the accuracy of the data, in violation of 15 U.S.C. 1681s-2 ( b ).

Failing to provide proper notice of adverse actions or their intent to furnish negative credit information, which is required under 15 U.S.C. 1681m.

Continuing to report disputed items without marking them as " in dispute '' or failing to properly investigate disputes within the required 30-day timeframe ( 15 U.S.C. 1681i ).

Including accounts that were discharged in bankruptcy or otherwise resolved, in violation of consumer protections under federal bankruptcy law and the FCRA.

Reporting accounts or collections past the allowable time limits ( typically 7 years ) as defined under 15 U.S.C. 1681c ( a ). 

Using deceptive, unfair, or abusive acts or practices ( UDAAPs ) under the XXXX XXXX XXXX Reform and Consumer Protection Act, enforced by the CFPB. 

I have made attempts to resolve these issues directly with the companies and/or credit bureaus and have not received an appropriate resolution. These negative marks are causing unjust harm to my creditworthiness, and I believe they are inaccurate or otherwise unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, or unverifiable information reported by the following companies to one or more consumer reporting agencies : [ Insert company names e.g., XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, etc. ] These companies may have violated the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws by engaging in the following : Reporting inaccurate or unverifiable information to consumer reporting agencies without conducting a proper investigation or ensuring the accuracy of the data, in violation of 15 U.S.C. 1681s-2 ( b ).

Failing to provide proper notice of adverse actions or their intent to furnish negative credit information, which is required under 15 U.S.C. 1681m.

Continuing to report disputed items without marking them as " in dispute '' or failing to properly investigate disputes within the required 30-day timeframe ( 15 U.S.C. 1681i ).

Including accounts that were discharged in bankruptcy or otherwise resolved, in violation of consumer protections under federal bankruptcy law and the FCRA.

Reporting accounts or collections past the allowable time limits ( typically 7 years ) as defined under 15 U.S.C. 1681c ( a ). 

Using deceptive, unfair, or abusive acts or practices ( UDAAPs ) under the XXXX XXXX XXXX Reform and Consumer Protection Act, enforced by the CFPB. 

I have made attempts to resolve these issues directly with the companies and/or credit bureaus and have not received an appropriate resolution. These negative marks are causing unjust harm to my creditworthiness, and I believe they are inaccurate or otherwise unlawful.

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 2025-07-16 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: NJ

Complaint narrative:
Hello, I have received my credit report from Experian credit reporting agency. 
The report reflects a Closed account XXXX XXXX as XXXX and reporting Late payment as a current status. 
This is inaccurate information being reported against me. 
I have asked for the information and proof of how it was verified since there is no phone number associated with this company. Therefore, I'm suffering with a low credit score and other factors that is taken into consideration to form a negative profile report. 

It's not helping me to present a dispute to the Experian credit reporting agency, because they keep coming back as verified without proof just automated verification and not updating or removing this error.

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