vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX : XXXX | XXXX : XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! 
You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA XXXX ).. The items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) reporting information they know/should know is inaccurate ; FCRA 609 no contract records disclosed ; FCRA 611 improper reinvestigation XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) no validation ; FCRA 611 failure to reinvestigate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection/Chargeoff | Closed | Balance {$10000.00} | Original Creditor : XXXX XXXX XXXX : FCRA 609 no original agreement; FDCPA 809 ( b ) no proof of assignment ; FCRA 623 ( a ) ( XXXX ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX | Medical Collection | Closed | Balance {$620.00} Violations : HIPAA Privacy Rule impermissible third-party reporting of medical information ; FCRA 611 ( a ) failure to verify accuracy. 


You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. 

Please provide the following within 30 days : XXXX. Original signed contract or agreement showing I am legally obligated. 
XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). 
XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). 
XXXX. Name and address of the original creditor, if different from your agency. 
XXXX. Proof of your license/authorization to collect debts in my state. 
XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to XXXX  Equifax, and XXXX 

If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On or about XXXX XX/XX/year> A business called " XXXX XXXX XXXX  '' was sent a XXXX party check from My insurance XXXX XXXX XXXX XXXX payable to Myself and " XXXX XXXXXXXX XXXX XXXX XXXX a XXXX party check for {$18000.00}. 

XXXX XXXX, owner XXXX XXXX XXXX was able to deposit this check to his Bank of America account WITHOUT my signature, consent, or being present for this transaction. 

XXXX XXXX XXXX is not paying me the funds or doing work on my truck. so I am out the total amount plus {$1500.00} of initial deposit for work {$18000.00}

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THE INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS MY INVOICE HAS BEEN IN PLACE SINCE XXXX AND THIS ERROR HAS STILL NOT BEEN CORRECTED. THIS NEGATIVE ENTRY DOES NOT REFLECT MY CONSISTENT RECORD OF ON-TIME PAYMENTS AND UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR, AND I HAVE ATTACHED AN INVOICE SUPPORTING MY CLAIM AS A FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATION. IF THIS ERROR IS NOT CORRECTED PROMPTLY, I WILL PURSUE MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE, WITH LATE FEES ACCRUING AT {$1000.00} PER DAY FOR EACH DAY THIS REMAINS UNRESOLVED. I URGE YOU TO CONDUCT A PROMPT INVESTIGATION AND UPDATE MY ACCOUNT TO ACCURATELY REFLECT ITS CORRECT STATUS WITHOUT ANY FURTHER DELAY.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THE INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS MY INVOICE HAS BEEN IN PLACE SINCE XXXX AND THIS ERROR HAS STILL NOT BEEN CORRECTED. THIS NEGATIVE ENTRY DOES NOT REFLECT MY CONSISTENT RECORD OF ON-TIME PAYMENTS AND UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR, AND I HAVE ATTACHED AN INVOICE SUPPORTING MY CLAIM AS A FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATION. IF THIS ERROR IS NOT CORRECTED PROMPTLY, I WILL PURSUE MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE, WITH LATE FEES ACCRUING AT {$1000.00} PER DAY FOR EACH DAY THIS REMAINS UNRESOLVED. I URGE YOU TO CONDUCT A PROMPT INVESTIGATION AND UPDATE MY ACCOUNT TO ACCURATELY REFLECT ITS CORRECT STATUS WITHOUT ANY FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
I am writing to formally dispute an alleged late payment reported on my account. This payment was reported by XXXX  to your agency, [ Experian/TransUnion/XXXX  ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late. '' but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code & 1681a121, the term " consumer report '' does not include reports ) solety contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit Request for Action : If XXXX can not provide the necessary proof of mailing or delivery of the required Information, I request that this late payment be deleted from my credit report. Failure to do so wil be considered a violation of 15 U.S. Code 1681s-2, which prohibits the i resoectfuliy reguest that you take the acccoonate action to remove this inaccurate late payment entry from my crecit report min XXXX carendar days of receivere this notoe Late Payment ( XXXX ) in Question : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> / Thank you for your prompt attention to this matter. I look forward to your response and COOPERATION that the disputed late payment entry has been removed.

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 2025-09-17 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:
I am writing to formally dispute an alleged late payment reported on my account. This payment was reported by XXXX  to your agency, [ Experian/TransUnion/XXXX  ] XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late. '' but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code & 1681a121, the term " consumer report '' does not include reports ) solety contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit Request for Action : If XXXX can not provide the necessary proof of mailing or delivery of the required Information, I request that this late payment be deleted from my credit report. Failure to do so wil be considered a violation of 15 U.S. Code 1681s-2, which prohibits the i resoectfuliy reguest that you take the acccoonate action to remove this inaccurate late payment entry from my crecit report min XXXX carendar days of receivere this notoe Late Payment ( XXXX ) in Question : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> / Thank you for your prompt attention to this matter. I look forward to your response and COOPERATION that the disputed late payment entry has been removed.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
This is a follow-up to previous two complaints including complaint IDs # XXXX and XXXX. 
Thank you so much CFPB for your help to get XXXX to take steps to correct its misconduct. They removed the false information from my credit bureau with the credit reporting agencies. However, that is not sufficient resolution for their misconduct which was completely AVOIDABLE. In this instance, XXXX needs to make whole, their conduct has cost me at least {$15000.00} in lost income and finance opportunities since this fiasco started last XXXX. Additionally, XXXX has not refunded me the money it withdrew from XXXX Bank XXXX XXXX without my authorization. In their response following the complaints to CFPB, XXXX admitted to the fraud on their end but still intentionally reported the erroneous information to the credit bureaus. It took XXXX intervention to close the accounts from the bureaus. There is still an outstanding issue i.e., XXXX needs to make me whole by a ) returning the money it unlawfully withdrew from XXXX Bank XXXX XXXX account ( see attached ), and b ) compensate me for the harm their conduct has visited on me needlessly. In its initial response, XXXX stated that it had advised me to dispute with the XXXX  XXXX XXXX for the return of the unauthorized withdrawals, I did and it was NEVER returned. To reiterate, I am asking for the RETURN of the money from XXXX and compensation of the harm it caused me so we can finally close this matter and put to rest. 
Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I discovered multiple inaccurate, unauthorized, and unverifiable items reporting on my credit file. These include : Incorrect personal information : My name, addresses, and employer history are being reported with variations that do not belong to me. The only correct name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX and the only correct current address is XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 

Inaccurate and unverifiable accounts : Several accounts are listed that are not mine or are misreported. These include accounts showing late payments and derogatory status that I did not authorize or agree to. 

Unauthorized hard inquiries : My report shows multiple inquiries from companies I never applied with, including XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX These were made without my knowledge or consent and violate FCRA 604 and 609 ( a ).

Late payments inaccurately reported : My credit report shows late payments that are incorrect and must be corrected or removed under the Fair Credit Billing Act, 15 U.S.C. 1666.

I did not authorize these accounts, inquiries, or derogatory information. This is damaging my credit standing and is a clear case of identity theft and inaccurate reporting.

I am requesting a full reinvestigation of my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and deletion of all inaccurate, unverifiable, or unauthorized information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: PA

Complaint narrative:
I discovered multiple inaccurate, unauthorized, and unverifiable items reporting on my credit file. These include : Incorrect personal information : My name, addresses, and employer history are being reported with variations that do not belong to me. The only correct name is XXXXXXXX XXXX XXXXXXXX XXXX XXXX and the only correct current address is XXXX XXXX XXXX, XXXX XXXX, PA XXXX. 

Inaccurate and unverifiable accounts : Several accounts are listed that are not mine or are misreported. These include accounts showing late payments and derogatory status that I did not authorize or agree to. 

Unauthorized hard inquiries : My report shows multiple inquiries from companies I never applied with, including XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and XXXXXXXX XXXX XXXX These were made without my knowledge or consent and violate FCRA 604 and 609 ( a ).

Late payments inaccurately reported : My credit report shows late payments that are incorrect and must be corrected or removed under the Fair Credit Billing Act, 15 U.S.C. 1666.

I did not authorize these accounts, inquiries, or derogatory information. This is damaging my credit standing and is a clear case of identity theft and inaccurate reporting.

I am requesting a full reinvestigation of my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and deletion of all inaccurate, unverifiable, or unauthorized 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 2025-09-17 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account 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 XXXXXX/XX/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 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Summary of Refund Issue with MOHELA I am seeking assistance in resolving a refund issue related to overpayments on my student loans after qualifying for Public Service Loan Forgiveness ( PSLF ). Despite repeated inquiries to MOHELA over the past XXXX months, I have not received my refund or any clear timeline for when to expect it. Below is a record of my correspondence : XX/XX/year> : I emailed MOHELA to ask when I would receive the negative balance ( overpayment refund ) on my account after PSLF forgiveness. 

MOHELA Response : Refunds are issued by the U.S. Treasury, may take up to XXXX business days, and could take longer if payments were made to a prior servicer. 

XX/XX/year> : Having heard nothing, I followed up to state it had been well over 90 days. 

MOHELA Response : Refunds can take XXXX business days or more, and MOHELA can not verify Treasury processing times. 

XX/XX/year> : I emailed to confirm the status of a refund of {$600.00}, which MOHELAs system showed as processed on XX/XX/year>. I explained that I had not received the funds. 

MOHELA Response : They acknowledged the refund and stated a research request was submitted. They advised this research could take up to XXXX business days. 

XX/XX/year> : I filed a case with StudentAid.gov, explaining it had been over 60 days since a refund was posted to my account and I had received no clarification. To date, I have received no response. 

XX/XX/year> : I followed up again with MOHELA, stating that over 90 days had passed since the research request was submitted and I had not received an update. 

MOHELA Response : They apologized, confirmed the research request was still open, and noted that refunds can take XXXX business days or more. 

Current Status ( XX/XX/year> ) : It has now been almost XXXX months since my initial inquiry and over XXXX months since MOHELA confirmed the refund was processed ( XX/XX/year> ). Despite multiple follow-ups, I have received no meaningful update on where my refund is or when I will receive it. 

Resolution Requested : I respectfully request immediate clarification on the status of my refund of {$600.00} and confirmation of when I will actually receive it. The repeated delays and shifting timelines are unreasonable, and I have not been provided with any concrete information from either MOHELA or the Department of Education.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received an alert on XX/XX/year> stating that my mortgage payment was late. And my score was dropped XXXX points.it also stated that my mortgage balance went up. Both of these are untrue. I spoke with Experian and they assured me that they would update the my credit file. A supervisor called me on XX/XX/year> at XXXX. Her name was XXXX XXXX removed the late but still has not restored my XXXXThey are making claims that they are not responsible for the points that they are generated from a third party. I am a business owner in the middle of trying to get a line of credit and this has put a burden on me. I want my XXXX restored because I did nothing wrong. And I have already spoke to XXXX XXXX my mortgage company and there is nothing they can do because they've already informed Experian that the information is incorrect. Also I spoke with a XXXX who was very rude and hung up on me on XX/XX/year>. They have handled this situation in a very unprofessional manner.

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 2025-09-17 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: TX

Complaint narrative:
I am formally disputing the following inaccurate items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting, protection against unauthorized inquiries, and prompt correction of errors. These inaccuracies have caused confusion, potential financial loss, and undue stress. Immediate action is required. 
XXXX XXXX XXXX XXXX, TX XXXX Wrong Address This address is incorrectly reported on my credit report. The incorrect address has caused significant confusion, miscommunication with lenders, and potential fraud risks. Under FCRA Section 609 ( a ) ( 1 ), I request the credit bureau to verify this address immediately and remove any inaccurate information from my file.

I have attached all supporting documents to substantiate my claims, including identification, proof of current residence, and statements highlighting the discrepancies. These errors are causing ongoing damage to my financial health, and I insist that they be corrected immediately. Failure to correct these inaccuracies violates federal law and can result in legal consequences for the credit reporting agencies and the institutions responsible for these erroneous entries. 
I expect a written response within the 30-day timeframe as mandated by FCRA Section 611 ( a ). I am prepared to escalate this matter legally if the inaccuracies are not promptly resolved. The protection and accuracy of my credit information are my legal rights, and I will pursue all available remedies to ensure 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 explanation