vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I attended XXXX XXXX  which was a predatory lending school. These loans should have been discharged after my bankruptcy due to the nature of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute to XXXX and XXXX XXXX Home after I was enrolled in XXXX financing under false pretenses. A XXXX XXXX XXXX XXXX made false verbal claims, rushed me through an application on a mobile tablet, and never disclosed the true terms of the loan. I never knowingly agreed to a {$2600.00} XXXX loan. 

The XXXX representative falsely claimed installation was free and failed to provide a breakdown of the package being sold. I was not given a physical contract to review. XXXX then opened an account under my name based on this misrepresented interaction. 

I submitted a full dispute to XXXX  via certified mail on XX/XX/year>, and included supporting documents. I received only a generic response misclassifying my issue as identity theft rather than addressing the real problem : fraud in the formation of the agreement and lack of informed consent. 

On XX/XX/year>, a XXXX agent named XXXX XXXX acknowledged my dispute in a support chat and said a response would be given in 10 days. That never happened. 

On XX/XX/year>, I submitted a second written notice to XXXX and XXXX, reasserting my position and confirming no payments would be made under protest. 

I also submitted disputes to XXXXXXXX XXXX XXXX XXXX and informed all parties that I was lawfully withholding payment under UCC 3-305 and Restatement ( Second ) of Contracts 71. 

Despite being notified in writing and receiving full evidence of misrepresentationXXXX XXXX  reported the account as 30 days late to all XXXX credit bureaus in XX/XX/year>, harming my credit. This is in direct violation of FCRA 1681s-2 ( b ), which requires proper dispute handling and marks. 

XXXX continues to increase the account balance while ignoring my protests. XXXX has also failed to respond with any breakdown of costs or contract correction. This is a coordinated issue between the creditor ( XXXX XXXX  and the merchant ( XXXX ) who misled me into the agreement. 

I am lawfully disputing this entire matter, and I request immediate correction and full review by CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: ID

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 explanation
Consumer complaint received 2025-08-06 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-08-06 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, Georgia XXXX Dear Sir/Madam, I am writing to request that you remove child support information from my consumer report in accor-dance with Section 1681b of the Fair Credit Reporting Act. 
Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting agency and verified by any local, State, or Federal Government agency; and ( 2 ) antedates the report by 7 years or less. 
I understand that child support information has been included in my consumer report, and I believe this information is in violation of the Fair Credit Reporting Act. I have not failed to pay overdue support, and this information is inaccurate and misleading. Therefore, I demand that you remove any and all child support information from my consumer report immediately. 
If this information is not removed promptly, I will take necessary legal action to ensure that my rights under the Fair Credit Reporting Act are protected. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Social Security Number : XXXX Date : XX/XX/year> Equifax XXXX Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Re : SECOND REQUEST DEMAND FOR DELETION OF INACCURATE INFORMATION To Whom It May Concern : I am writing in response to your recent investigation results ( File # XXXX dated XX/XX/year> ). You verified several accounts as accurate, including but not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This verification is unacceptable as it fails to meet your obligations under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to 15 U.S.C. 1681i ( a ) and 1681s-2, a credit reporting agency must conduct a reasonable reinvestigation and verify the accuracy of the information with documented evidence. A mere confirmation from the furnisher of information is insufficient without providing me proof of : 1. Original signed applications, contracts, and account-level documentation proving the accuracy and ownership of these accounts.

2. The name, address, and phone number of each party you verified with. 
Since you failed to provide this documentation, these accounts remain unverified and inaccurate. Continuing to report them violates : 15 U.S.C. 1681i ( a ) ( 5 ) duty to delete unverifiable or inaccurate information 15 U.S.C. 1681e ( b ) duty to maintain maximum possible accuracy Demand for Deletion : If you can not provide documented proof of verification ( not just e-Oscar confirmations ), you are required to DELETE these accounts from my credit report immediately. Failure to do so places you in willful noncompliance with federal law, and I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the FTC, and pursue private legal action for damages under FCRA 1681n and 1681o.

Please respond within 15 days with : Written proof of verification ( original signed agreements and statements ), OR Written confirmation that these accounts have been deleted. 
This is my final notice before formal complaints and legal action. 
Sincerely, ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
XXXXMichel JohnsonXXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Follow-Up and Request for Update  Identity Theft Victim Request toXXXXBlock and Delete Fraudulent AccountXXXXDear Experian Consumer Services,XXXXIm writing to follow up on the identity theft report I submitted regarding fraudulentXXXXaccount and information related to my identity under the Fair Credit Reporting Act\n(FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theftXXXXbecause of the Experian data breach, and unauthorized accounts have beenXXXXfraudulently opened in my name.XXXXThe fraudulent account that I have identified on my credit report are as follows:XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete theXXXXfraudulent accounts from my credit file to prevent further harm to my credit profileXXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, pleaseXXXXcontact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation inXXXXensuring my credit report remains accurate and free from fraudulent activity.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 2025-08-06 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-08-06 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: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-06 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: VA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX THERE IS A XXXX XXXX FRAUDULENT ACCOUNT OPENED XX/XX/year> IN MY CREDIT REPORT WHICH IS OPENED FRAUDULENTLY AND MUST BE REMOVED NOW. 
I AM THE ONLY PERSON WHO MADE THIS STATEMENT

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 2025-08-06 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: FL

Complaint narrative:
I am confident that my personal identity has been stolen as a direct result of a national data breach that compromised my personal 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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
Cherry Tech is reporting a collection account on my credit reports that is listed as charged off. I have no knowledge of ever owing Cherry Tech and have never received documentation proving this debt is valid.

I have already disputed this account and provided identification, yet no proper validation has been provided.

Cherry Tech is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by reporting this alleged debt without proper verification. A charge-off is damaging to my credit, and without proof, it should not remain on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened a Citi XXXX credit card on XXXX XX/XX/year>. 
The advertised promotion promised XXXX ThankYou Points for spending {$4000.00} within 90 days ( deadline XXXX XX/XX/year> ). 
I spent {$2900.00} by XXXX XX/XX/year> and an additional {$1300.00} by XXXX XX/XX/year>, exceeding the requirement 14 days later. 

Attempts to resolve with Citi I phoned Citi on XXXX XX/XX/year> ( case # XXXX ). The agent said the system could not credit the bonus. 
I then used Citis Secure Message Center ( XXXX XX/XX/year> ) and emailed the Executive Response Unit ( XXXX XX/XX/year> ) with my statements attached. 
On XXXX XX/XX/year> the XXXX replied that the promotional terms can not be extended, offering no partial credit or accommodation.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Account number XXXX Date opened XX/XX/year> Collection account. {$510.00} past due as of XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Company has been reporting on my credit report since XX/XX/XXXX in the amount of {$160.00}. I sent ( 2 ) letters XX/XX/XXXX and XX/XX/XXXX requesting for Debt Validation and to have my information removed from all consumer reporting agencies. I have not heard back from them. The debt is still showing up on all consumer reporting agencies as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 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 XXXX 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 2025-08-06 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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