vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5700.00}

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 may take some time to respond but this is so unprofessional. My name is 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 no third party involved. Please review the uploaded letters.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This complaint is submitted in response to TransUnion 's continued reporting of inaccurate, misleading, and outdated information on my consumer report, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The following accounts must be corrected or deleted : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting 30-, 60-, and 90-day late payments from XX/XX/XXXX through XX/XX/XXXX. 

These delinquencies are inconsistent with XXXX XXXX XXXX 

Violates : 15 U.S.C. 1681e ( b ), 1681i 2. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX This account was closed on XX/XX/XXXX, yet TransUnion reports post-closure delinquencies including XXXX and XX/XX/XXXX. 

Violates : 15 U.S.C. 1666b, 1681e ( b ), 1681i 3. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX TransUnion reports the account as " >90 Days Past Due '' with a current balance of {$76000.00}. 

However, entries between XXXX reflect blank or unknown ( X ) statuses. 

Violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681c ( a ) ( 4 ) 4. XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX The account is listed as Paid, Closed; was Paid as Agreed, yet the report continues to show delinquencies from XXXX. 

These are beyond the 7-year limit and must be removed. 

Violates : 15 U.S.C. 1681c ( a ) ( 5 ), 1681e ( b )

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 2025-05-16 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 HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
So in XXXX on XXXX th, i figured that my credit score went down by XXXX points and showing some XXXX  accounts or credit cards which doesnt even belongs to me, i went to transunion website and figured all the addresses under my profile were from XXXX XXXX XXXX XXXX I called agency and they file dispute for that and told me to send my documents with my current address and some proof of residency as well, its been almost month, i called them again today and they said they didnt even received my documents yet, XXXX be its been misplaced because of that they cant process my dispute till they get mu documents, its all there system fault and now i have to survive and my credit score is literally messed up and i need to buy car and should get my original credit report back before they mixed up everything

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2025 Credit inquiries from several companies and did not receive anything from or want their service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2025 Credit inquiries from several companies and did not receive anything from or want their service

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank has charged my debt card for XXXXXXXX XXXX I ask them to investigate where they said it was but no proof was sent the company tell me no payments was received XXXX and XXXX XXXX so I want the missing money back in my account as you will see in my pictures of proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX, an account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX, a utility account opened at XXXX  XXXX  on XX/XX/XXXX under the account number XXXX. These account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Additional fraudulent inquiries are XXXX, XXXX, XXXX. I've attached proof that my personal information was affected by the XXXX  Data Breach.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Charge off information was reported on my credit report from a company that I have no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Ascent Holding Co
State: CA

Complaint narrative:
I enrolled in the XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX program on XX/XX/year>. I submitted a cancellation request on XX/XX/year>XXXX  within the allowed cancellation period and before using any services. I have email evidence showing I asked to cancel, and a follow-up email from XXXX on XX/XX/year>, providing a withdrawal form. 

Despite this, Ascent Funding says I owe a {$3300.00} loan ( now increased to {$4700.00} ). I never accessed the course, never attended classes, and never received any services. 

I reached out to XXXX several times and even sent a final legal notice, but they refused to take responsibility or notify Ascent. I have emails showing my requests were acknowledged but ignored. 

Ascent says they are waiting for the school to confirm cancellation. Meanwhile, I am stuck with a loan I do not owe. This has caused me serious emotional stress and financial hardship. 

I am attaching : My XX/XX/XXXX cancellation email The XX/XX/XXXX email from XXXX with withdrawal link A rejection response from XXXX XXXX at XXXX Ascent Fundings letter showing the balance and postponement Their email saying they await school confirmation And a XXXX  of all communications and evidence Please help cancel this loan and remove this burden.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
I have been trying for several months to access my MOHELA XXXX XXXX account online and have been repeatedly unsuccessful. Ive received multiple emails from MOHELA stating that my repayment schedule has changed and asking me to log in to review the new details. However, every time I attempt to log into my account, I get an error message that says our records dont match the information you provided. Ive used my correct Social Security number and date of birth. Ive also tried to reset my password, but although the system says it sends a reset email, I have never received it. Ive checked my spam/junk folders and verified the email is correct. 

I have called MOHELA multiple times, waited on hold for long periods, and have been unable to speak with a representative to resolve this issue. As a borrower, I have the right under federal law ( including the Higher Education Act and servicer accountability standards from the Department of Education ) to access accurate information about my student loans and repayment status. My inability to access my account or get assistance by phone puts me at risk of missed payments or reporting errors through no fault of my own.

Im filing this complaint to demand that MOHELA correct my account access issues immediately. If they can not answer their phones or provide a working online system, they are failing their responsibility as a federal loan servicer. I want confirmation that my account is in good standing, that I will not be penalized for being unable to access it, and that I will be provided a way to view and manage my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute the accuracy of the following items reported on my credit report. Please consider this letter as my first round of dispute regarding this/these accounts. The items in question are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint to formally dispute the accuracy of the following items reported on my credit report. Please consider this letter as my first round of dispute regarding this/these accounts. The items in question are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX due to severe and unjustified negative credit reporting that has significantly impacted my financial standing. My credit report was recently updated to reflect over XXXX late payment entries from XXXX XXXX, which has caused my credit score to drop by over XXXX points. This action was taken without any prior notice, warning, or correspondenceI did not receive any emails, letters, or alerts informing me of this drastic change before it was reported to the credit bureaus. Additionally, I have become aware of an ongoing data breach involving student loan accounts, which raises serious concerns regarding unauthorized access to my personal and financial information raising concerns over a XXXX violation. Given this security lapse, I have reason to believe that my account records may have been compromised or altered without my consent. I am in the process of purchasing a home and this has caused my loan to be halted until this is remedied. This has caused extreme financial distress and this error in reporting needs to be remedied immediately. I did not authorize any changes to my account status, and I no longer feel comfortable having my student loans serviced and reported to the credit bureaus under these conditions. Violations and Consumer Protection Rights 1. Failure to Provide Notice of Negative Credit Reporting - Under the Fair Credit Reporting Act ( FCRA ), loan servicers are required to provide accurate and fair reporting. I was not notified in advance that these accounts would be marked late, which denied me the opportunity to address any potential issues before they were reported. 2. Possible Unauthorized Reporting and Account Compromise Due to Data Breach - The reported data breach involving XXXX raises serious questions about the integrity of my loan accounts. If my data was exposed or manipulated, XXXX XXXX have incorrectly or fraudulently reported late payments that I did not actually incur. 3. Failure to Properly Investigate and Verify Account Status - Given the security risks and errors in reporting, I request full verification and documentation proving the legitimacy of the late payments, including a detailed account history showing how and when they were marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$190.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$850.00} XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion CXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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 2025-05-16 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$190.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$850.00} XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion CXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion

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