vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed multiple identity theft disputes with the CFPB regarding fraudulent and inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. I followed all proper procedures and submitted the required documentation, including : A valid FTC Identity Theft Report Proof of identity A formal written request for blocking fraudulent items under FCRA 605B CFPB Complaint Details : Experian Complaint ID : XXXX ( Filed XX/XX/year> Still open, no action taken ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Equifax Complaint ID : XXXX ( Filed XX/XX/year> Closed ; they falsely claimed missing documents ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) TransUnion Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Despite proper and timely submission through the CFPB complaint portal, I have received no documentation, no investigation summaries, and no verification methods from any bureau regarding items they have left on my credit reports. Their failure to respond transparently and lawfully constitutes willful negligence and knowing noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Specific Violations : Equifax is refusing to honor documentation submitted via the CFPB, demanding that I resubmit materials directly. This is a violation of FCRA 605B ( c ) and demonstrates knowing noncompliance with the CFPBs formal complaint process.

TransUnion falsely claims it never received my identity theft documentation, despite full submission through the CFPB portal a clear case of negligence and failure to meet its obligations under FCRA 605B.

Experian has taken no action at all. I have received no written update, no results of any investigation, and no evidence that any investigation occurred. This is a blatant violation of FCRA XXXX ( a ) ( XXXX ), which requires that consumers be provided the method of verification when disputed information is retained. 

All three credit bureaus are demonstrating willful negligence and knowing noncompliance with federal consumer protection law. Their failure to block, investigate, or properly verify fraudulent information after receiving valid identity theft documentation is unlawful and harmful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I request that u delete items on my report bc of identity theft. I did not create these charges, and my credit report must b corcted. I've reported the theft to the Federal Trade Commission and included their Affidavit. Erase the items immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: MOHELA
State: VA

Complaint narrative:
Currently, I'm dealing with Mohela ( servicer for XXXX ). I have requested several times to lower my payments on XXXX loans that had original amount of {$30000.00}. They have ballooned to now additional {$40000.00} owed. My payments of XXXX  years has not touched the principal. I also have learned Mohela is charging me an additional {$220.00} dollars on my account for using my debit card to make payments. I notified Mohela, I have been on Social Security for almost XXXX years. Prior to Social Security I was making $ XXXX {$400.00} payments ( from XXXX to XXXX ) for XXXX yrs while I was employed. I can't now. I was paying XXXX {$220.00} monthly, due to income from XX/XX/XXXX, XXXX. When I was transferred to Mohela ; customer rep set up XXXX more months for {$220.00} from XXXX XXXX XXXX. I told them of my income, they gave me a hard time stating I needed to pay {$500.00} or be sent to collection agency. Stating they had no income driven program. Now, Mohela is stating I'm making partial payments. I have been harrassed with calls, my computer has also been down ( I informed them of this ). The receipt of payments have been going through my credit union account. During these XXXX yrs, I have been making payments with allotments on time but XXXX/Mohela have reported otherwise to credit bureaus. Example : stating I'm potentially to have negative outcome ; making late payments. I'm a senior citizen of XXXX yrs trying to make it with lost of housing, food, medications, insurances and rent. But still paying these student loans with the grace of XXXX. I have sought legal aid help ; they aren't unfortunately able to assist with debt due to their resources. I just want to know how can education servicer act as a pay day loan shark? And allowed to do so preying on the elderly, military members, students whose only desire is to better their livelihood and family lives. People have crisis in their lives beyond their control that are trying to do the best they can. I just want Mohela to stop these predatory business practices when someone is Social Security or have a lesser income right now. Thanks for all you do CFPB.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This company Is breaking 15 U.S.C. 1681b permissible purpose. This company Is sharing information about me without my permission. I do not have any student loans please delete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I am writing to formally dispute incorrect information that continues to appear on my credit report regarding a XXXX account that was paid in full. 

Equifax corrected the reporting in XX/XX/year>, accurately reflecting the account as paid collection. However, on XX/XX/year>, the language in the Additional Information section was reverted and now incorrectly states collection again omitting the crucial word paid. This change is both misleading and damaging to my credit profile.

Furthermore, the Type of Account is incorrectly listed as open. This account has been closed and should be reported as such. 

This is the third time Ive requested this correction with Equifax and the second time I have file a complaint regarding this matter with the CFPB to address the ongoing inaccuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a fraud dispute for the Discover account and mailed all required documentation, including a government-issued ID showing my full name and date of birth, as well as proof of address. I explained that I could not provide the account number because the account had already been closed and placed in collections. Despite providing sufficient identifying information, Discover failed to respond to my dispute within the XXXX investigation period mandated by the Fair Credit Reporting Act ( FCRA 1681i ).

As a result, Experian correctly deleted the account, and my credit score improved. However, when I accessed my Experian report via their app, the account still appeared, and the dispute status remained marked as pending, even though my score had increased. Subsequently, the account reappeared on my report as Discover C, marked as updated and verified.

Discovers response came two months late and only after Experian delayed the investigation by requesting my date of birth and account numberinformation I had already provided with supporting verification. Discover never responded to me directly but only to Experian after the account was removed. Additionally, Discover sent a letter falsely claiming I failed to provide identifying information, despite my submission of valid proof.

Even while the account was shown as deleted, the dispute status stayed pending, and shortly afterward, the account was reinserted and marked verified without my consent and beyond the legal deadline. I never received the required five-day reinsertion notice from Experian as required by FCRA 1681i ( a ) ( 5 ) ( B ). 

This accounts improper reinsertion has caused a XXXX drop in my credit score. Therefore, I am formally requesting that the account be permanently deleted from my credit report, that a fraud block be applied, and that all inaccurate and improperly reinserted information be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MI

Complaint narrative:
Good morning i am complaining about the fraudulent accounts on my credit report. 
This CFPB complaint had been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the TransUnion, Equifax, and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days. This fraudulent and inaccurate information consist and account opened on XXXX by the name of XXXX XXXX XXXX account number ( XXXX ), an account opened on XXXX by the name of XXXX XXXX XXXX account number ( XXXX ), and an account opened on XXXX by the name of 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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed multiple identity theft disputes with the CFPB regarding fraudulent and inaccurate information appearing on my credit reports with Experian, Equifax, and TransUnion. I followed all proper procedures and submitted the required documentation, including : A valid FTC Identity Theft Report Proof of identity A formal written request for blocking fraudulent items under FCRA 605B CFPB Complaint Details : Experian Complaint ID : XXXX ( Filed XX/XX/year> Still open, no action taken ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Equifax Complaint ID : XXXX ( Filed XX/XX/year> Closed ; they falsely claimed missing documents ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) TransUnion Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Complaint ID : XXXX ( Filed XX/XX/year> Still open ) Despite proper and timely submission through the CFPB complaint portal, I have received no documentation, no investigation summaries, and no verification methods from any bureau regarding items they have left on my credit reports. Their failure to respond transparently and lawfully constitutes willful negligence and knowing noncompliance with the Fair Credit Reporting Act ( FCRA ). 

Specific Violations : Equifax is refusing to honor documentation submitted via the CFPB, demanding that I resubmit materials directly. This is a violation of FCRA 605B ( c ) and demonstrates knowing noncompliance with the CFPBs formal complaint process.

TransUnion falsely claims it never received my identity theft documentation, despite full submission through the CFPB portal a clear case of negligence and failure to meet its obligations under FCRA 605B.

Experian has taken no action at all. I have received no written update, no results of any investigation, and no evidence that any investigation occurred. This is a blatant violation of FCRA XXXX ( a ) ( XXXX ), which requires that consumers be provided the method of verification when disputed information is retained. 

All three credit bureaus are demonstrating willful negligence and knowing noncompliance with federal consumer protection law. Their failure to block, investigate, or properly verify fraudulent information after receiving valid identity theft documentation is unlawful and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
This letter is a formal dispute of inaccurate and unverifiable information appearing on my credit report as provided by your agency. This letter is written pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 15 U.S.C. 1681s-2, which grant me the right to dispute inaccurate information and request verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
Bank was compromised, multiple loans was created, old car payments and other transactions were reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am late on a payment with comenity bank. They have called me 6 times since XXXX XXXX  it is now presently XXXX. Its harassing and they are calling from an unknown number. I was only able to obtain the provided number by copying the unknown number call into my phone app and it displays the number calling. On the last call I answered and I told them that they were calling me an excessive amount of times.

Company response to consumer: Closed with non-monetary relief