vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I fully paid off XXXX XXXX XXXX loans in the fall of last year. However, both accounts still show a remaining balance of approximately {$50.00}, which should be {$0.00}. Despite multiple attempts, the loan servicer has not provided documentation reflecting the loan balances prior to my payoff. These loans were paid in full, yet the MOHELA continues to assert otherwise without offering any supporting documentation or explanation. I am seeking a resolution to correct the balances and to receive appropriate documentation confirming the loans were satisfied in full.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
this company is double reporting an XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit report that has not been corrected by Transunion despite previous formal disputes.

These items include but are not limited to : Charged-off accounts Collection accounts that were never validated Paid collections still reporting negatively Unauthorized hard inquiries Repossessions reported inaccurately I have included my detailed dispute letter citing violations of FCRA 609 ( a ), 611, and FDCPA 807.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
After receiving an email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX Amount : {$110.00} XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$720.00} XXXX XXXX ) XXXX XXXX XXXX  Amount:XXXX Date:XX/XX/XXXX INCORRECT NAMES : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After receiving an email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX Amount : {$110.00} XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$720.00} XXXX XXXX ) XXXX XXXX XXXX  Amount:XXXX Date:XX/XX/XXXX INCORRECT NAMES : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Approximately XXXX of XXXX  I submitted passport, SSI card, address information, name change document and proper credit information to equifax. They refuse to correct my file and rate me as unscorable and by my maiden name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted an official notarized affidavit ( attached ) demanding deletion of unauthorized names, addresses, accounts, and inquiries that violate Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ). The CRA/furnisher has failed to comply within the legal time frame. I demand permanent deletion of this inaccurate data. Continued reporting violates FCRA 604, 609, 611, 616, and 617. I request enforcement and deletion of all disputed items listed in the attached affidavit. 

The company has failed to comply within the time frames required by law and has not validated these items nor removed them. This is a direct violation of the following FCRA statutes : 602 Right to accuracy, fairness, and privacy 604 ( a ) ( 3 ) No permissible purpose for inquiries 605B Failure to block fraudulent items within 4 business days 609 ( a ) ( 1 ) Refusal to provide signed contracts or documentation 611 ( a ) Failure to correct or delete unverifiable data within 30 days 611 ( a ) ( 5 ) Re-insertion of deleted data without certification 611 ( a ) ( 7 ) Refusal to provide method of verification 623 Furnisher reported false data, did not update or delete errors 616 & 617 Civil liability for willful and negligent noncompliance Additionally, the data is not Metro 2 compliant ( per CDIA standards ), and continues to violate Metro 2 formatting fields, including failure to apply correct Compliance Condition Codes, ECOA codes, and Account Status indicators. 

I am requesting immediate deletion of the disputed items and full enforcement of my consumer rights under federal law. This complaint is being filed concurrently with the FTC, Ohio Attorney General, and may be used in support of legal action under FCRA 616 & 617. 

Attach the following documents : Your signed affidavit Additionally, the data is not Metro 2 compliant ( per CDIA standards ), and continues to violate Metro 2 formatting fields, including failure to apply correct Compliance Condition Codes, ECOA codes, and Account Status indicators.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A XXXX Capital One credit card account was fraudulently opened in my name in XX/XX/year>. I discovered this unauthorized account that same month while reviewing my credit report. I did not open this account, authorize its use, or benefit in any way from the {$600.00} in charges. I am now being improperly contacted by XXXX XXXX and Capital One in connection to this debt, which is entirely the result of identity theft. 
Fraudulent Account Details : - Creditor : Capital One ( XXXX account ) - Date Opened : XX/XX/year> - Date Discovered : XX/XX/year> - Amount Charged : {$600.00} - FTC Identity Theft Report Number : XXXX Supporting Documents Included : XXXX. Government-issued photo ID and proof of address XXXX. FTC XXXX Theft Report ( attached ) XXXX. Signed Statement of Non-Involvement affirming I had no part in the account 's creation or use In accordance with 15 U.S.C. 1681c-2, I formally request that : - The XXXX Capital One account and all related information be blocked from my credit file, - You cease reporting this account to any third parties, - You notify any entities that received my report in the last 12 months of the correction,- And you act within XXXX ( XXXX ) business days of receiving this request and documentation, as required by law. 

Please confirm in writing once the block has been applied, or contact me directly if additional information is required. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal and final dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Reporting Guidelines, and applicable federal securities laws. Upon thorough review of my Experian credit report generated on XX/XX/XXXX, I have discovered multiple egregious inaccuracies, unauthorized entries, and derogatory remarks that are the result of identity theft, false reporting, and unlawful securitization of contracts without my knowledge or consent. 
The following accounts and remarks are fraudulent, unverifiable, misleading, and materially violate federal statutes : DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX {$970.00} charged-off debt o Reported as XXXX months derogatory, multiple charge-offs, currently past due. 
o Violation of FCRA 1681i, 1681s-2, and 15 U.S.C. 1692e ( false/misleading information ). 
o Securitized without consent, violating 15 U.S.C. 78j ( Securities Exchange Act of 1934 deceptive practices in connection with security transactions ). 
XXXX XXXX XXXX XXXX XXXX  XXXX payment ( Closed ) o Account misrepresents a paid secured loan as late, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

o Reporting after the collateral was forfeited and paid breaches Metro 2 format and accurate status code updates. 
LEGAL VIOLATIONS ASSERTED : Identity Theft Allegation ( FCRA 605B ) Pursuant to 15 U.S.C. 1681c-2, I allege identity theft related to the misapplication, securitization, or sale of contracts without authorization or full disclosure. These accounts were reported and/or traded in violation of my private rights and must be blocked within XXXX business days of this notice. 
Failure to Report Accurately ( FCRA 1681s-2 ) You are prohibited from furnishing information you knowor should knowis inaccurate. Experian has failed to reinvestigate and update reporting based on disputes of false delinquencies.

Failure to Verify and Provide Procedures ( FCRA 1681i ) There is no evidence any of these alleged debts were verified with competent evidence such as a wet-ink contract or authorized signature. 
Violation of the Securities Exchange Act of 1934 ( 15 U.S.C. 78a et seq. ) The referenced financial accounts were converted into investment securities ( CUSIP-linked instruments ) without lawful disclosure, registration, or consent, violating federal securities laws.

Metro 2 Compliance Violations Charge-off coding, outdated statuses, duplicate entries, and failure to reflect accurate payment closures violate Metro 2 guidelines published by the Consumer Data Industry Association ( CDIA ), particularly in reference to : o Field XXXX ( Compliance Condition Code ) o Field XXXX ( Account Status ) o Field XXXX ( Date of First Delinquency )

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as a formal and final dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Reporting Guidelines, and applicable federal securities laws. Upon thorough review of my XXXX  credit report generated on XX/XX/XXXX, I have discovered multiple egregious inaccuracies, unauthorized entries, and derogatory remarks that are the result of identity theft, false reporting, and unlawful securitization of contracts without my knowledge or consent. 
The following accounts and remarks are fraudulent, unverifiable, misleading, and materially violate federal statutes : DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX {$970.00} charged-off debt o Reported as 42 months derogatory, multiple charge-offs, currently past due. 
o Violation of FCRA 1681i, 1681s-2, and 15 U.S.C. 1692e ( false/misleading information ).

o Securitized without consent, violating 15 U.S.C. 78j ( Securities Exchange Act of 1934 deceptive practices in connection with security transactions ). 
XXXX XXXX XXXX XXXX  XXXX late payment ( Closed ) o Account misrepresents a paid secured loan as late, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

o Reporting after the collateral was forfeited and paid breaches Metro 2 format and accurate status code updates.

LEGAL VIOLATIONS ASSERTED : Identity Theft Allegation ( FCRA 605B ) Pursuant to 15 U.S.C. 1681c-2, I allege identity theft related to the misapplication, securitization, or sale of contracts without authorization or full disclosure. These accounts were reported and/or traded in violation of my private rights and must be blocked within XXXX business days of this notice. 
Failure to Report Accurately ( FCRA 1681s-2 ) You are prohibited from furnishing information you knowor should knowis inaccurate. Experian has failed to reinvestigate and update reporting based on disputes of false delinquencies.

Failure to Verify and Provide Procedures ( FCRA 1681i ) There is no evidence any of these alleged debts were verified with competent evidence such as a wet-ink contract or authorized signature. 
Violation of the Securities Exchange Act of XXXX ( 15 U.S.C. 78a et seq. ) The referenced financial accounts were converted into investment securities ( CUSIP-linked instruments ) without lawful disclosure, registration, or consent, violating federal securities laws.

Metro 2 Compliance Violations Charge-off coding, outdated statuses, duplicate entries, and failure to reflect accurate payment closures violate Metro 2 guidelines published by the Consumer Data Industry Association ( CDIA ), particularly in reference to : o Field XXXX ( Compliance Condition Code ) o Field XXXX ( Account Status ) o Field XXXX ( Date of First Delinquency )

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal and final dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Metro 2 Reporting Guidelines, and applicable federal securities laws. Upon thorough review of my XXXX credit report generated on XX/XX/XXXX, I have discovered multiple egregious inaccuracies, unauthorized entries, and derogatory remarks that are the result of identity theft, false reporting, and unlawful securitization of contracts without my knowledge or consent. 
The following accounts and remarks are fraudulent, unverifiable, misleading, and materially violate federal statutes : DISPUTED ACCOUNTS : XXXX XXXX XXXX XXXX XXXX {$970.00} charged-off debt o Reported as XXXX  months derogatory, multiple charge-offs, currently past due. 
o Violation of FCRA 1681i, 1681s-2, and 15 U.S.C. 1692e ( false/misleading information ).

o Securitized without consent, violating 15 U.S.C. 78j ( Securities Exchange Act of XXXX deceptive practices in connection with security transactions ). 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX payment ( Closed ) o Account misrepresents a paid secured loan as late, in violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ).

o Reporting after the collateral was forfeited and paid breaches XXXX XXXX format and accurate status code updates. 
LEGAL VIOLATIONS ASSERTED : Identity Theft Allegation ( FCRA 605B ) Pursuant to 15 U.S.C. 1681c-2, I allege identity theft related to the misapplication, securitization, or sale of contracts without authorization or full disclosure. These accounts were reported and/or traded in violation of my private rights and must be blocked within XXXX business days of this notice. 
Failure to Report Accurately ( FCRA 1681s-2 ) You are prohibited from furnishing information you knowor should knowis inaccurate. Experian has failed to reinvestigate and update reporting based on disputes of false delinquencies.

Failure to Verify and Provide Procedures ( FCRA 1681i ) There is no evidence any of these alleged debts were verified with competent evidence such as a wet-ink contract or authorized signature.

Violation of the Securities Exchange Act of 1934 ( 15 U.S.C. 78a et seq. ) The referenced financial accounts were converted into investment securities ( CUSIP-linked instruments ) without lawful disclosure, registration, or consent, violating federal securities laws. 
Metro 2 Compliance Violations Charge-off coding, outdated statuses, duplicate entries, and failure to reflect accurate payment closures violate Metro 2 guidelines published by the Consumer Data Industry Association ( CDIA ), particularly in reference to : o Field 17A ( Compliance Condition Code ) o Field 27 ( Account Status ) o Field XXXX ( Date of First Delinquency )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
A XXXX Capital One credit card account was fraudulently opened in my name in XX/XX/year>. I discovered this unauthorized account that same month while reviewing my credit report. I did not open this account, authorize its use, or benefit in any way from the {$600.00} in charges. I am now being improperly contacted by XXXX XXXX and Capital One in connection to this debt, which is entirely the result of identity theft. 
Fraudulent Account Details : - Creditor : Capital One ( XXXX account ) - Date Opened : XX/XX/year> - Date Discovered : XX/XX/year> - Amount Charged : {$600.00} - FTC Identity Theft Report Number : XXXX Supporting Documents Included : XXXX. Government-issued photo ID and proof of address XXXX. FTC Identity Theft Report ( attached ) XXXX. Signed Statement of Non-Involvement affirming I had no part in the account 's creation or use In accordance with 15 U.S.C. 1681c-2, I formally request that : - The XXXX Capital One account and all related information be blocked from my credit file, - You cease reporting this account to any third parties, - You notify any entities that received my report in the last XXXX XXXX of the correction,- And you act within XXXX ( XXXX ) business days of receiving this request and documentation, as required by law. 

Please confirm in writing once the block has been applied, or contact me directly if additional information is required. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: 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. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is XXXX XXXX XXXX involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation