vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Request for Removal of Outdated XXXX  Charge-Off from Credit Report Dear TransUnion, I am writing to formally dispute an item on my credit report that appears to be outdated and should no longer be reported under the Fair Credit Reporting Act ( FCRA ). The account in question is listed as a XXXX charge-off, and based on the date of first delinquency, it is past the seven-year reporting limit allowed under federal law. Please investigate this account and remove it from my credit file if it has indeed exceeded the reporting period defined in Section 605 ( a ) of the FCRA ( 15 U.S.C. 1681c ( a ) ), which prohibits the inclusion of adverse information older than seven years from the date of the first delinquency that led to the charge-off. Account Details : Creditor Name XXXX Account Type : Charge-Off Account Number XXXX I request that this account be deleted from my credit report and that I be provided with written confirmation once the investigation is complete. Thank you for your prompt attention to this matter. Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-15 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Updated CFPB Complaint Reopening/ Incomplete Resolution Original Complaint ID : XXXX was not resolved Fully Dear CFPB, I am writing to reopen and supplement my original complaint regarding American Expresss handling of XXXX related disputes concerning the same merchant : XXXX XXXX XXXX 

There were XXXX charges/disputes involved, both filed on XX/XX/year> Dispute XXXX : {$100.00} Deposit Dispute XXXX : {$5400.00} Program Balance ( re-Opened on XX/XX/XXXX ) Total : {$5500.00} Both disputes were initially denied by Amex due to being past 60 days, even though I submitted documentation explaining that the harm was not discoverable until after that period due to merchant deception and a third-party whistleblower. 

What happened next : On XX/XX/year>, I recieved an email from Amex that they are to credit my account for the {$100.00} deposit ( XXXX ) without reopening the dispute or asking for further information. However, as of XX/XX/XXXX, this credit still does not appear on my account. 

For the {$5400.00} balance ( XXXX ), I reopened the dispute on XX/XX/XXXX. On XX/XX/XXXX, Amex closed the case again, now citing a tort claim exclusion under consumer credit law and stating they can not process the claim further. 

Why this response is inconsistent and unreasonable : Both charges are for the exact same service and merchant. If the {$100.00} was refunded, it logically follows that the $ XXXX of the same transactionshould be treated under the same standard. 

American Express has not explained why the lower-dollar dispute was credited while the higher-value dispute was denied under an unrelated legal theory. 

I am not pursuing a tort claimI am seeking relief for a misrepresented and deceptively marketed service, which is absolutely within the scope of credit dispute protections. 

I respectfully request that CFPB investigate : Why Amex inconsistently applied different legal standards to the same dispute. 

Why the {$100.00} credit has not yet posted, despite written confirmation. 

Why a documented pattern of merchant misrepresentation is being dismissed under a tort claim label without proper justification. 

Thank you for your continued attention to this matter. I am happy to resubmit all supporting documentation if needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
This is my fifth follow-up concerning ongoing inaccuracies and unauthorized entries on my credit file that violate my rights under the Fair Credit Reporting Act ( FCRA ). These errors remain misleading, inconsistent, and are unfairly damaging my credit profile. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$320.00} XXXX XXXX  Reported as a charge-off with inconsistent balance information requiring reinvestigation for accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balances : {$1300.00} and {$1800.00XXXX XXXX XXXX XXXXhis debt is being reported twice under the same account number with differing balances, constituting duplicate reporting. Only one verified, accurate version, if valid, should remain. 
Questionable or Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Reported inconsistently

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 2025-10-15 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: CA

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 explanation
Consumer complaint received 2025-10-15 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
My complaint is related to the customer experience and reporting effectiveness at PennyMac a mortgage lender. I have had an account with them for nearly 10 years and have never missed payment due to an automatic draft. There was an issue on my end where the payment for XXXX did not go through. PennyMac failed to communicate this issue and the first time I was alerted to it was my credit reporting when my credit score fell XXXX points at beginning of XXXX. In XXXX, they attempted to contact me outside of business hours but left a vague voicemail to call them back. Rather than call I went directly online and reviewed my account from their website. On the website the account appeared in good standing and even had a tile that stated the payment was received ( see attached screenshot ). Due to their failure to accurately report relevant account information I was unaware of overdue balance. With this information my assumption was they were calling me to upsell a product and did not call them back. This entire situation could have been avoided with a notification email or any other digital information notifying me that payment was not processed. Instead I found out in XXXX and immediately remediated. Based on the circumstances I requested an adjustment to my credit reporting however I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I submitted a timely Validation of Debt request to I C SYSTEMS COLLECTIONS regarding Account XXXXXXXX XXXX XXXX XXXX XXXX XXXXor the alleged balance of {$60.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, I C SYSTEMS COLLECTIONS failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate 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 explanation
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXnEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Equifax,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the Equifax data breach of 2017, in which the personal information of over XXXX million Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX breach exposing over XXXX  billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in DisputeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerelXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I learned about this XXXX XXXX loan in XXXX when it showed up negatively on my credit report due to delinquent payments. I called XXXX XXXX and told them that this is not my loan and I have never even been to college. Come to find out the loan was taken out back in XXXX of XXXX and has had the payments deferred all this time. XXXX XXXX told me the loan was taken out by someone in XXXX Texas at this address ( XXXX XXXX XXXX XXXX Texas ) and the school is XXXX XXXX XXXX. This person used my address, name, XXXX, a email that I do not know of and my birthdate to get the loan. XXXX XXXX sent us a fraud packet to have a police XXXX fill out and send back. We tried to do this however my local police said that this needed to be done in XXXX. We did file a police report locally as well as a report over the phone with XXXX sheriff for XXXX XXXX of that address. I have also filed a dispute with the credit bureaus. I have never lived in Texas and have never taken out a XXXX XXXX loan. Please investigate this further bc it was not done by me and it is hugely and negatively effecting my credit. I have also tried to file a FTC report but the " government shutdown '' has the websites down and i can not do it at this time. XXXX XXXX has since charged off the loan and it is now in collections. I will include the loan documents and the local police report. I am still waiting on the finished report from the sheriff in XXXX TX.

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 2025-10-15 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: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reported on my credit file for my student loan with XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The report indicates a XXXX late payment on XX/XX/2025 The basis of my dispute is grounded in the legal provisions of 15 USC 1666 , which pertains to disclosure requirements for billing statements, and 15 USC 1681, the Fair Credit Reporting Act, which mandates accuracy and fairness in credit reporting. Additionally, I refer to The Family Educational Rights and Privacy Act ( FERPA ), which protects the privacy of student education records, including loan information.

To support my dispute, I have enclosed copies of pertinent documents, including State Issued Drivers License, Social Security Card, and Credit Repot.

I respectfully request a thorough investigation into this matter, and I ask that you correct my credit report to reflect the accurate standing of my account. I appreciate your prompt attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XX/XX/year>, I applied for a collateral title loan with Navy Federal Credit Union. The loan was conditionally approved pending receipt of my vehicle title. On XX/XX/year>, I emailed the required title documentation twice to XXXX at XXXX XXXX  and XXXX XXXX, both with attachments visible in the sent email log. 

Navy Federal later acknowledged receiving my messages but claimed they could not access the attachments. I resent the documents again, but the loan was ultimately denied because they said they never received the title. The denial was caused entirely by a technical error on their end, not by my failure to provide documents. 

As a result, a hard credit inquiry remains on my credit report despite no funds being issued and no completed loan. This inquiry reflects negatively on my credit and was created due to XXXX XXXX internal processing error, not my actions. I am requesting that the hard inquiry be removed from my credit report and that Navy Federal correct its reporting with the credit bureaus. 

Supporting evidence includes timestamped screenshots of my sent emails showing the attachments, and the message from Navy Federal confirming receipt but inability to open the files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/year> -Balance {$0.00}

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 2025-10-15 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: MD

Complaint narrative:
I am writing to dispute the reporting of unauthorized and inaccurate accounts that appear on my credit file. I never opened or authorized these accounts and received no notice of their inclusion. The reporting is inconsistent across multiple credit bureaus, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires the maintenance of accurate consumer information.

This also constitutes a violation of 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) of disputed information, and 15 U.S.C. 1681g, which requires full and accurate disclosure of information held in a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: OH

Complaint narrative:
Subject : request for full discharge of student loans due to lender misleading and unlawful practices I am writing to formally request the discharge of all student loans held by lender due to the company 's deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 

Lender/Mohela mislead me by steering me away from income driven repayment plans, which would have made my payments more affordable and eligible for forgiveness. Instead I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has lead to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, lender/Mohela has XXXX history of misreporting my payment status to credit agencies, severely damaging my XXXX XXXX. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which lender has been sued by numerous states and the consumer financial protection bureau CFPB. Lender/Mohela conduct has caused me significant financial harm, mental distress, and a long term burden that could have been avoided with honest and fair guidance. As a borrower who relied on lender advice and entrusted them to manage my student loans to be fully forgiven. 

I am requesting full discharge of all loans held by lender : due to misleading guidance and unethical loan management practices, I respectfully request that all loans serviced by Mohela be fully XXXX. This will relieve the overwhelming financial burden that I have carried to their actions.

Company response to consumer: In progress
Consumer complaint received 2025-10-15 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: Westlake Services, LLC
State: UT

Complaint narrative:
To whom it may concern, I have recently accessed the original signed contract, which was requested by the Fair reporting act and not provided by the company.

I request this charge off listed on my account is removed, due to the non compliance and in accurate record keeping of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My report shows late payment entries I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, only accurate, complete, and verifiable information should appear. I request verification of these entries, and if they can't be confirmed, they should be corrected or deleted.

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 2025-10-15 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect NamXXXX XXXX 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 LA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged 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