vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-08 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: NC

Complaint narrative:
My student loan is through MOHELA. I paid the entirety of my account balance off in XXXX of XXXX for my same exact account balance to reopen randomly in XXXX. I have contacted MOHELA for the last year trying to get this resolved after having multiple conversations with MOHELA stating that the account is " simply a duplicate that was opened accidentally ''. Although it was a mistake on MOHELA 'S end my credit score has suffered along with the repeated emails and collections claims I am receiving because they have not held the payments to investigate it further after they have already told me they have done this. I have been calling repeatedly since XXXX of XXXX and the issue has still not been resolved, they refer me to supervisors that ensure its a duplicate loan of my previous on that they have verified has proof that I paid off in XXXX of XXXX but yet they still send me collections and emails about a past due balance for a loan I no longer have. Every time I call I get the same run around and no answers, no solutions and continued hits on my credit and peace of mind. I have initiated further investigation, specific timelines for answers and provided countless proof and receipts of previous payoff that MOHELA has verified they have, but MOHELA has not returned my phone calls, voicemails, fixed my credit, refunded my account or paused my payments to this day. They have repeatedly given me the run around for almost a year now and neglected my finances and complaints as well for their mess up.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the late payment listed in my credit report. This entry does not reflect the reality of my payment history, as I have made all payments on time. The continued reporting of this false information is misleading, unfair, and in direct conflict with the FCRAs requirement for maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-08-08 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am formally filing a complaint with JPMCB CARD data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy.

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX 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 XXXXXXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : -XXXX XXXX XXXX XXXXXXXX

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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: WA

Complaint narrative:
I recently lost my job in XXXX of this year And have been with my current employer since XXXX. My reason for applying for the loan initially was to use it to pay my mortgage payment as well as other bills and living expenses since Im no longer making the same amount as I was previously. I applied for the loan through a website called billshappen.com. That site led me to the website for Minto Money. I applied for the loan, and was approved for approximately {$2100.00} and I would pay approximately {$420.00} a month for repayment. I made my first payment on XXXX and didnt have any issues at first until today XXXX. They took out the {$420.00} as scheduled and I went to check my loan agreement to see what the actual repayment schedule is and to check my remaining balance. I saw on my account that even after they took out money for repayment. My loan principal had not changed. I checked my loan documents and I saw that I am on a 16 month 32 payments plan with 400 % interest. Which would result in me paying approximately {$13000.00}. I called the company to see if it was a mistake or to get clarification and they told me that the majority of my payment goes to the interest and not the actual principal on the loan. During the application process I was not informed or no mention was made of the extremely high interest rate. Im currently trying to put a stop payment on them through my bank. But due to my financial situation, I am unable to able to pay for the fees associated with that at this very moment. Please feel free to contact me for further information.

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

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report and to request documentation regarding a debt allegedly owned by XXXX XXXX XXXX. This letter serves as a notice to the Consumer Financial Protection Bureau ( CFPB ) and the three major credit reporting agenciesEquifax, Experian, and TransUnionunder the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Disputed Information : Creditor Name : XXXX XXXX XXXX Reporting Agencies : Equifax, Experian, TransUnion Nature of Dispute : I believe the information reported by XXXX XXXX is inaccurate, incomplete, and potentially unverifiable. I do not recall entering into any agreement with XXXX Funding, nor have I received sufficient documentation validating this debt. 
Request for Documentation : I am requesting the following : 1. Purchase Agreement or Bill of Sale between XXXX XXXX XXXX and the original creditor that substantiates their legal right to collect or report this debt. 
2. Complete Payment History and account statements from the original creditor.

3. Signed Contract or Agreement that proves I agreed to the terms of the original debt.

Until this information is provided and verified, I request that this account be marked as in dispute on all credit reports and that any unverifiable or inaccurate information be removed promptly.

Under the FCRA, you are required to investigate and respond to disputes within 30 days. If the information can not be verified, it must be deleted from my credit report. Under the FDCPA, I am entitled to request validation of any debt being collected.

Please respond to this dispute in writing at the address listed above. I request that all future correspondence regarding this matter be sent via mail.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of your investigation and the requested documentation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX RE : Formal Demand for Deletion of Inaccurate Charge-Offs under 15 U.S.C. 1681e ( b ) and 1681i To Whom It May Concern : This letter is a formal, aggressive demand for the immediate deletion of one or more charge-off entries appearing on my credit report, as they are being reported in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 

The following account ( XXXX ) are in dispute : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> VIOLATION OF 15 U.S.C. 1681e ( b ) The FCRA requires you to maintain and report only accurate, complete, and verifiable information. However, these charge-off entries are inaccurate and misleading for the following reasons : 1. The balance, status, or dates are not updated or consistent with creditor records.

2. The account is reported as both charged off and past due monthlythis is double derogatory reporting, which is misleading and unfair.

3. The original creditor has not verified this data through reasonable procedures required by law.

Your continued reporting of this negative entry without verifying its accuracy is a direct violation of your obligations under 1681e ( b ).

VIOLATION OF 15 U.S.C. 1681i Furthermore, under 1681i, once a dispute is submitted, the credit bureau must conduct a reasonable reinvestigation and delete any information that can not be verified within the 30-day window. If you can not fully verify every detail of this accountincluding original documents and statements from the furnisheryou are required by law to DELETE IT.

I am demanding : A full reinvestigation of the above-referenced account ( s ) ; A written statement of the method of verification used; Immediate deletion of all unverifiable or inaccurate charge-off data ; A new copy of my credit report reflecting these changes.

Failure to comply will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing all legal remedies available to me under federal and state law. I am keeping meticulous records of this dispute for use in any litigation or regulatory action that may follow.

You have 30 days from the date of receipt of this letter to respond and correct these violations. No response or failure to delete will be seen as willful noncompliance. 

Sincerely, XXXX XXXX XXXX XXXX.

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

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: SC

Complaint narrative:
Add you can tell by the attached screenshot. I was not credited for my last payment of {$240.00}. Instead they increased my balance. I thought I had them paid off and no need to worry about paying anymore. So this seems like straight up fraud to me. They increased my balance instead of crediting my account which I thought was paid in full. So they decided they could just increase my balance and the charge it off. They tried to make money from writing off a false balance. I will site them common sense tells me I could sue. Anybody can tell this is fraud. They can also send me a 1099c. This is my second complaint this week. I'm glad I throughly checked my credit report. Fraud like this has put a burden on me as I am unable to get any kind of loan to try and expand my business. I had to get a cosigner to get my vehicle financed this probably didn't help with the interest rates and also probably had some impact the amount I have to pay for my auto insurance. Please take care of this and see if there is any way I can get compensated for this fraud which has done nothing but give them a write off on their taxes which is money in their pockets. I would also like also like a 1099c and I would also like a debit validation requesting assignment contract. This is total fraud and they need to pay for punitive damages!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-08 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:
Under USC 1681g, these accountsnone of which are minemust be deleted in 15 days.

Company response to consumer: Closed with non-monetary relief