vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a consumer seeking to resolve discrepancies in my credit reports. The following accounts are being disputed for inaccuracies. Please review the details below for each respective credit bureau : Charged Off Accounts TU ( TransUnion ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Inquiry Accounts TU ( TransUnion ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : 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 2025-11-11 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:
My loans were discharged via XXXX due to XXXX XXXX military service in XX/XX/XXXX. While waiting for the forgiveness to process, I had to make 2 additional payments, resulting in an overpayment of {$1500.00}. I have messaged and more recently called about the refund status multiple times since XX/XX/XXXX but still have not received any information beyond the standard 90 day processing time about if/when this will be refunded. Messages were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I spoke to someone who put me on hold for a refund specialist, at which point I was on hold for 2 hours and never reached anyone. After reviewing XXXX, it is clear that many people are having the same issue with MOHELA specifically, who is not pushing the refunds through to the US Treasury for processing. Some people have been waiting for years for their overpayment refund of thousands of dollars.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
I am reviewing my Equifax credit report and have found several accounts that I believe are being reported inaccurately or that need to be verified. 

XXXX. XXXX XXXX Accounts : XXXX XXXX, Account XXXX. XXXX, Date : XX/XX/year>, Balance : {$0.00} XXXX XXXX XXXX, Account No. XXXX, Date : XX/XX/year>, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date : XX/XX/year>, Balance : {$75.00} I am disputing these accounts because I believe they are being reported incorrectly as charged off or with inaccurate balances. Please verify the original creditor, account history, and whether these accounts were truly charged off. If they can not be verified with proper documentation, please remove them from my report. 

XXXX. Late Payments : XXXX  Account XXXX. XXXX I am disputing the late payment information being reported. I do not believe this late payment was accurate. Please verify with the original creditor. If no valid documentation is provided, please delete the late marks from my report. 

I am requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and written confirmation of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I enrolled with National Debt Relief ( NDR ) to help settle my unsecured debts. I paid {$2000.00} into the program, but they only made two payments of {$110.00} each to one creditor and kept most of the funds as fees. When I canceled due to financial hardship, they refunded {$910.00} but kept {$870.00} without explanation. NDR failed to provide the services promised and continued calling me after I requested written communication only. Im requesting a full refund of the remaining amount and confirmation that my account is permanently closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
on XX/XX/XXXX, my wife received an email from XXXX XXXX in XXXX, Fl, showing XXXX tickets for entering the park had been purchased with my credit card along with XXXX XXXX XXXX passes and a parking pass. The digital tickets were issued to people unknown to me. The names are not authorized users of my card and I had not given anyone, including XXXX XXXX, permission to charge them. My wife immediately called Bank of America to report the fraud. She was advised to call XXXX XXXX to see if the tickets could be turned off. XXXX XXXX advised there was no way to do that. Bank of America has since come back and told me that I am responsible for the charges because they were delivered to my email address and because the IP address was linked to XXXX XXXX, Wisconsin. I live nowhere near XXXX XXXX nor am I routinely in XXXX XXXX. I live in Wisconsin, but on the other side of the state. Despite the IP location mismatch and tickets being issued to non-related third parties, BoA denied my claim and is making me responsible for over {$700.00} worth of purchases. I sent a letter of appeal on XX/XX/XXXX but have heard nothing back regarding it. I am requesting a full investigation and reversal to include interest under the Fair Credit Billing Act. I have never had a fraudulent purchase dispute with BoA and they can see from my history that I am a responsible cardholder. This was not my charge nor should I be held liable for payment. I have attached all the information sent to me by BofA in their decision. I have also included the Letter of Appeal I sent to them.And finally, I have included the notification I received from XXXX after my wife filed a fraud alert on our credit bureaus.

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 monetary relief
Consumer complaint received 2025-11-11 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 am filing this complaint because I have identified multiple inaccuracies and incomplete information being reported by the credit bureaus listed below. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to request verification and correction of inaccurate information. However, the disputed items remain unverified or are still being reported incorrectly. I am requesting that the CFPB assist in ensuring each bureau completes a proper investigation, verifies the accuracy of the information, and deletes or corrects all unverifiable or inaccurate accounts. 


Charged-Off Accounts CAF Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Issue : This account is being reported as charged off, but I have not received proper validation from the original creditor. I request documentation verifying this debt and confirmation that it is being accurately reported. 

XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} Issue : The date and status of this account appear inaccurate and inconsistent with other bureau reports. Please verify all information with the original creditor or delete this entry. 

XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Issue : I do not recall authorizing or being notified of this debt. This account may be reporting in error or without proper validation.

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 2025-11-11 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-11 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: CA

Complaint narrative:
I am a consumer working to fix my credit and am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ). The following accounts are in dispute, and I respectfully request that they be investigated and resolved. Please note the accounts are separated by credit bureau ( Experian. ) Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$70.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Inquiries : XXXX XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Late Payments XXXX XXXX XXXXccount Number : XXXX Date Reported : [ Insert Report Date ] XXXX XXXX Account Number : XXXX Date Reported : [ Insert Report Date ]

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-11-11 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:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I reached out to chase credit card card customer service on XX/XX/year> XXXX XXXX XXXX  XXXX AZ time ) to request my account number in order to do a balance transfer. I was told they do not provide account numbers online, over the phone or in person. The only way to get an account number is off the card, i disposed of the card long ago as i felt there was no reason to have a physical card at risk when i can only use it with XXXX. Now I'm being told i would have to cancel the card and get a new one issued in order to get the number. All my research shows credit card companies are required to provide account numbers as long as its requested by the person who owns the account. I requested a supervisor during the call and was re directed to the mainline again with an extended wait time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-11 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: CA

Complaint narrative:
I am writing to dispute the following accounts on my credit report as reported by the credit bureaus. I have reviewed my credit report and found inaccuracies in the reporting of certain charged-off accounts. Below are the disputed accounts, separated by each bureau : TransUnion ( XXXX ) XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account is showing as a charged-off status with a {$0.00} balance. I am disputing the status and requesting that the original creditor provide verification of the charge-off. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account is reported as charged off, but I believe there is no valid record supporting the charge-off event. 

XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} Discrepancy : This account is inaccurately reported as charged off, and I request verification of the charge-off status. 

XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Discrepancy : I believe this account was reported in error. I am disputing the charge-off and requesting verification from the creditor. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account should not show as charged off. I am requesting the creditor to clarify the account status.

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 2025-11-11 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-11 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: NV

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts and inquiries on my credit report. These issues are causing inaccuracies that negatively impact my credit score and creditworthiness. I am requesting that the information be corrected and updated to reflect accurate data, as provided below. 

Charged Off XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$780.00} XXXX XXXX  Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$19000.00} Disputed Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief