vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I paid off the MoneyLion loan in full, yet the account is still being reported as a " Paid Charge-Off '' instead of a Closed Paid as Agreed or Paid in Full account. This is negatively affecting my credit profile. I submitted a request for proper reporting in compliance with FCRA 623 and XXXX XXXX standards. The current reporting is inaccurate and misleading to lenders, despite a {$0.00} balance and no outstanding obligation. This payment was completed on XX/XX/year>, and the charge-off amount is listed as {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TN

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 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 15 U.S. Code 1681b 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-17 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-17 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: TX

Complaint narrative:
On XXXX XXXX I didnt give consent to global lending, ally financial, XXXX  XXXX to run my credit when looking for a car. When I called and spoke to manger he gave me a paper that I have in my possession that they do many credit pulls and it goes on credit report as one. I told XXXX XXXX to remove them and I was told no. Ive called Experian to remove them and I was told to call each company that did inquiry.. I can not seem to get them removed Then on XXXX again I had a pre approved from XXXX  XXXX XXXX  since I was looking at buying another car to help my daughters boyfriend and I find out that my credit report was ran with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I told XXXX XXXX I had an approval already that my daughter could use When I told my daughters boyfriend XXXX XXXX to fix this and I didnt want this on my credit report as an inquiry it should have only been one and again Experian listed on my credit report. I didnt give permission either time since I know it goes on my credit report. Both times I was told not to worry and they would come off I said no and now am in argument with each trying to successfully get them taken off my credit report. Again I was given this paper specifically saying it would only be one and not counted multiple times. I was lied to and was unaware what was done

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 2025-04-17 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
Issue : XXXX and Mohela failed to process my student loan repayment application causing my account to be late. As a result my credit score has dropped from XXXX to XXXX. 
XX/XX/year> I completed the required application online. When I did not hear back from them in XXXX I attempted to call. There was never an answer. I held up to XXXX minutes several times and no support person answered the phone. I then downloaded the application, completed it and mailed it in via certified mail. I still did not hear from anyone so I filed a complaint in XXXX but was told that XXXX was not my service provider. In XXXX I got my first response from Mohela on the XXXX. I received the payment coupons on XX/XX/XXXX, the day after the XXXX payment was due. I paid that payment on line that day and have made every subsequent payment online. They have hit my credit because they purposely refused to process my application forcing me into a late status. They want me to pay them nearly {$2000.00}. 
In XXXX I filed a complaint with Mohelas advocate, but never received a response from them. I recently was able to talk to a customer support agent who told me Mohela took over XXXX the same month I made my application to XXXX ( XX/XX/year> ). Some where in their transfer they totally dropped the ball and are wrecking my credit over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
Subject : Demand for Strict Debt Validation and Proof of Assignment To Whom It May Concern, This is a formal request for full debt validation and legal documentation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Please note : I do not acknowledge or accept any responsibility for the alleged debt referenced in your communications and credit reporting. I am exercising my legal rights to request strict proof of your authority to collect and report this account. 

You are required to provide the following : XXXX. A complete chain of assignment from the original creditor to your agency, including the original assignment or purchase agreement. 
XXXX. A copy of the original signed contract or agreement that specifically links me to the alleged obligation. 
XXXX. A detailed breakdown of the full amount claimed, including itemized charges, interest, fees, and any payments. 
XXXX. Proof that you are licensed and authorized to collect debt in my state, including your license number and issuing agency. 
XXXX. The exact name and address of the original creditor, along with the full history of the account from inception to present. 

Legal Basis : - 15 U.S.C. 1692g ( b ) : You must cease collection activity and credit reporting until validation is provided.

- FCRA 623 ( a ) ( 1 ) ( A ) : You may not report unverifiable or inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : Validation requires substantive evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Collectors must conduct a meaningful investigation.

The account in question is listed as follows : HARRIS & HARRIS LTD XXXX Communications Account # : XXXX Amount : {$410.00} If you are unable or unwilling to produce the requested documentation, this constitutes your admission that you lack legal standing to pursue or report this account. In such case, I demand immediate cessation of collection efforts, removal of this item from all credit bureaus, and written confirmation that no further action will be taken. 

Any further reporting or collection attempts without proper validation will be considered a willful violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General. 

All future communication must be in writing only. Phone contact is not authorized. 

Sincerely, XXXX XXXX

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 2025-04-17 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2025 and noticed somethings are incomplete and inaccurate, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Request for Immediate Deletion or Correction of Inaccurate and Derogatory Accounts Per FCRA 602 and Metro 2 GuidelinesDear [ Credit Bureau Name ], I am writing to formally dispute and request the deletion or full correction of the following accounts appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 602 and in alignment with Metro 2 Compliance Reporting Standards, I am exercising my right to request reinvestigation and removal of derogatory, inaccurate, and unverifiable accounts. 

Accounts to Investigate and Delete : MOHELA/NAVIENT Reported Status : Charged off as bad debt Last Reported : XX/XX/year> Discrepancy : Balance, charge-off status, and late payments exceed allowable reporting without proper validation. Not Metro 2 compliant.

Action : Request full deletion due to unverifiable and outdated data. 
Multiple Late Payments Indicators : XXXX, XXXX, XXXX, 120 Days Late & " Repossession/Foreclosure '' markers on several tradelines Issue : These derogatory ratings are unverified, contain outdated statuses, and are not in sync with accurate payment records. 
Action : Request removal of all inaccurate and obsolete late payment history. 
Excessive XXXX XXXX Balances : {$3000.00} reported with {$0.00} credit limit on an account charged off Issue : Inconsistent reporting ( XXXX limit but high balance/past due ). This violates XXXX XXXX formatting. 
Action : Request correction or deletion of this account due to inaccuracy. 
Grounds for Dispute : The accounts above contain errors and lack consistent reporting formats required under XXXX XXXX data submission specifications. 
Under FCRA XXXX, credit bureaus are required to investigate disputes within 30 days and remove unverifiable information. 
As a victim of past fraud alerts, additional due diligence is legally mandated by the bureaus to validate accounts under FCRA XXXX. 
Requested Outcomes : A full reinvestigation of each item. 
Removal of all unverifiable or outdated derogatory accounts. 
Updated credit reports from all three bureaus showing the corrected status. 
A detailed description of each bureaus reinvestigation process. 
Please find enclosed my current ID and proof of address to validate this request. I expect all investigations and necessary deletions to be completed within the legal XXXX window. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : 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 non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
Request for Immediate Deletion or Correction of Inaccurate and Derogatory Accounts Per FCRA XXXX and XXXX XXXX GuidelinesDear [ Credit Bureau Name ], I am writing to formally dispute and request the deletion or full correction of the following accounts appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 602 and in alignment with Metro 2 Compliance Reporting Standards, I am exercising my right to request reinvestigation and removal of derogatory, inaccurate, and unverifiable accounts.

Accounts to Investigate and Delete : MOHELA/NAVIENT Reported Status : Charged off as bad debt Last Reported : 02/28/2025 Discrepancy : Balance, charge-off status, and late payments exceed allowable reporting without proper validation. Not Metro 2 compliant. 
Action : Request full deletion due to unverifiable and outdated data. 
Multiple Late Payments Indicators : XXXX, XXXX, XXXX, 120 Days Late & " Repossession/Foreclosure '' markers on several tradelines Issue : These derogatory ratings are unverified, contain outdated statuses, and are not in sync with accurate payment records. 
Action : Request removal of all inaccurate and obsolete late payment history. 
Excessive Past Due Balances : {$3000.00} reported with {$0.00} credit limit on an account charged off Issue : Inconsistent reporting ( zero limit but high balance/past due ). This violates Metro 2 formatting.

Action : Request correction or deletion of this account due to inaccuracy.

Grounds for Dispute : The accounts above contain errors and lack consistent reporting formats required under Metro 2 data submission specifications.

Under FCRA 611, credit bureaus are required to investigate disputes within 30 days and remove unverifiable information. 
As a victim of past fraud alerts, additional due diligence is legally mandated by the bureaus to validate accounts under FCRA 605A.

Requested Outcomes : A full reinvestigation of each item. 
Removal of all unverifiable or outdated derogatory accounts. 
Updated credit reports from all three bureaus showing the corrected status. 
A detailed description of each bureaus reinvestigation process. 
Please find enclosed my current ID and proof of address to validate this request. I expect all investigations and necessary deletions to be completed within the legal XXXX window. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
Request for Immediate Deletion or Correction of Inaccurate and Derogatory Accounts Per FCRA 602 and Metro 2 GuidelinesDear [ Credit Bureau Name ], I am writing to formally dispute and request the deletion or full correction of the following accounts appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 602 and in alignment with Metro 2 Compliance Reporting Standards, I am exercising my right to request reinvestigation and removal of derogatory, inaccurate, and unverifiable accounts.

Accounts to Investigate and Delete : MOHELA/NAVIENT Reported Status : Charged off as bad debt Last Reported : 02/28/2025 Discrepancy : Balance, charge-off status, and late payments exceed allowable reporting without proper validation. Not Metro 2 compliant.

Action : Request full deletion due to unverifiable and outdated data. 
Multiple Late Payments Indicators : XXXX, XXXX, XXXX, 120 Days Late & " Repossession/Foreclosure '' markers on several tradelines Issue : These derogatory ratings are unverified, contain outdated statuses, and are not in sync with accurate payment records. 
Action : Request removal of all inaccurate and obsolete late payment history. 
Excessive XXXX XXXX Balances : {$3000.00} reported with {$0.00} credit limit on an account charged off Issue : Inconsistent reporting ( XXXX limit but high balance/past due ). This violates Metro 2 formatting.

Action : Request correction or deletion of this account due to inaccuracy.

Grounds for Dispute : The accounts above contain errors and lack consistent reporting formats required under Metro 2 data submission specifications.

Under FCRA 611, credit bureaus are required to investigate disputes within 30 days and remove unverifiable information.

As a victim of past fraud alerts, additional due diligence is legally mandated by the bureaus to validate accounts under FCRA 605A. 
Requested Outcomes : A full reinvestigation of each item. 
Removal of all unverifiable or outdated derogatory accounts. 
Updated credit reports from all three bureaus showing the corrected status. 
A detailed description of each bureaus reinvestigation process. 
Please find enclosed my current ID and proof of address to validate this request. I expect all investigations and necessary deletions to be completed within the legal XXXX window. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : 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 2025-04-16 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: AR

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, CHALLENGED OR NOT.

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