vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
At the time of the auto loan, I experienced an unexpected financial hardship due to circumstances outside of my control, which caused me to fall behind on payments. Despite my best efforts to communicate with the lender and work toward a resolution, the account was ultimately charged off. Since then, I have taken consistent steps to recover financially, including steady employment, responsible credit use, and maintaining on-time payments with all of my current accounts. The charge-off no longer reflects my present ability to manage credit responsibly and continues to hold me back from opportunities I now have the means to handle. I respectfully request that the charge-off be removed so that my credit report can more accurately reflect my current financial responsibility and progress.

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 2025-08-18 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: OH

Complaint narrative:
At the time of the auto loan, I experienced an unexpected financial hardship due to circumstances outside of my control, which caused me to fall behind on payments. Despite my best efforts to communicate with the lender and work toward a resolution, the account was ultimately charged off. Since then, I have taken consistent steps to recover financially, including steady employment, responsible credit use, and maintaining on-time payments with all of my current accounts. The charge-off no longer reflects my present ability to manage credit responsibly and continues to hold me back from opportunities I now have the means to handle. I respectfully request that the charge-off be removed so that my credit report can more accurately reflect my current financial responsibility and progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonMetro 2compliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/year>, 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 1. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) 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.

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 2025-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: WY

Complaint narrative:
I am reporting six ( 6 ) MOHELA/DOFED tradelines currently appearing on my credit reports. Each is marked as 120+ days late, yet all contain materially conflicting and unverifiable information. These tradelines report the same account numbers but reflect different balances, different monthly payments, different past due amounts, and conflicting payment statuses across XXXX XXXX XXXX XXXX ( e.g. 120 days late vs 150 ). Some list different dates of last payment or activity which is impossible for the same account. 

I submitted formal disputes through the credit bureaus under FCRA 1681i. MOHELA failed to provide any documentation to validate the accounts, and no original signed promissory note, disbursement ledger, chain of servicing, or identity verification was produced. These inconsistencies make verification impossible and should legally require immediate deletion. 

Despite their failure to comply, MOHELA continues furnishing these tradelines. This violates FCRA 1681s-2 ( a ) ( false furnishing ), FCRA 1681b ( lack of permissible purpose ), and constitutes a deceptive practice under FTC Act 5 ( 15 USC 45 ). I believe this situation qualifies as identity theft or fraudulent data attribution and I am preparing a formal FTC Identity Theft Affidavit to trigger a 605B block and deletion of these entries within 4 business days, per federal law. 

MOHELA has not responded to disputes or furnished proof of accuracy. These inaccurate, duplicated tradelines are actively harming my credit, preventing me from securing housing, increasing my interest rates, and causing emotional distress and financial damage. MOHELA is responsible for the consequences of unlawful reporting, especially when they were notified and chose not to investigate. 

I am demanding that all six MOHELA/DOFED tradelines be deleted from all three credit bureaus immediately. I also request written confirmation from MOHELA that these accounts will not be re-reported or re-aged under any variation of their name. Failure to resolve this will result in escalation to the Consumer Financial Protection Bureau, State Attorney General, the Federal Communications Commission, XXXX XXXX XXXX XXXX headquarters, and legal action under FCRA 616617 for damages. 

This is my final attempt to resolve the matter before pursuing full legal and regulatory remedies. MOHELA must respond promptly and act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
At the time of the auto loan, I experienced an unexpected financial hardship due to circumstances outside of my control, which caused me to fall behind on payments. Despite my best efforts to communicate with the lender and work toward a resolution, the account was ultimately charged off. Since then, I have taken consistent steps to recover financially, including steady employment, responsible credit use, and maintaining on-time payments with all of my current accounts. The charge-off no longer reflects my present ability to manage credit responsibly and continues to hold me back from opportunities I now have the means to handle. I respectfully request that the charge-off be removed so that my credit report can more accurately reflect my current financial responsibility and progress.

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 2025-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> my account with Chase Bank was closed and on XX/XX/year> there was a deposit credited to my account of {$300.00}. XXXX took out their fee for the account being overdrawn and said that they mailed out a check to my residence in XX/XX/year>. I have called several times spoke to managers and let them know that I did not receive the remaining balance of {$160.00} and they keep saying wait XXXX business days which has been passed and I asked them to provide me with a tracking XXXX  for the mailed check and they said they dont have tracking numbers. I was even told to go into a branch to retrieve the remaining {$160.00} and once I got to the branch I was told that they couldn't give me my money and to keep waiting. This is unacceptable and I don't believe they mailed anything nor can they provide proof of mailing anything either. There should be an exception made in situations like this where people can go with ID to the bank and retrieve their money and they definitely shouldn't be allowed to mail checks without proper tracking. I need a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
My credit file appears to be mixed with another individuals information, leading to inaccurate items appearing on my report. I have never had items with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2025-08-18 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 follow up complaint to dispute the current reporting status of a charge-off account that is listed as Profit and Loss Write-Off or Charge-Off on my credit report. I would like to clarify that no IRS Form 1099-C has been issued for this account, indicating that the debt has not been formally forgiven or canceled. According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a Form 1099-C to both the consumer and the IRS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm gon na need the following inquiries remove from my file with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
EQUIFAX / TRANSUNION HAVE BEEN PROVIDED ALL THE NECESSARY DOCUMENTS THE SAME PROVIDED TO EXPERIAN AND THE INVESTIGATION THAT XXXX  DID WAS THOROUGHLY CONDUCTED AND RESULTED IN ALL THE FRAUDULENT NEGATIVE ACCOUNTS TO BE TOTALLY DELETED FROM MY REPORT BUT THE OTHER 2 bureaus ARE making the process much harder and more difficult than need be. I received a letter saying the investigation was pending due to confusion over my address and identity so they requested specific documents I provided and still the negative information remains. They are not doing the investigation process in a way that seems fair to me rather than favoring the companies providing the information. This is a violation of my rights and is negatively affecting my financial opportunities past and present. XXXX now filing a complaint on them and resolution need happen immediately as Ive already been in this process for months now

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 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management is reporting a collection account they purchased from XXXX XXXX XXXX. I have not received any proof or documentation validating that I owe this debt, nor proper evidence that they have the legal right to report it. This is damaging my credit unfairly. I am requesting a full deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report on all three bureaus and noticed an error. MoneyLion reported that I did not pay according to our agreement for a loan back in 2023. They are claiming that the loan was charged off and settled for less than the original balance without providing proof. I spoke with someone in customer service and they were unable to help me resolve this matter. According the representative at MoneyLion all of my loans were paid in full and never late. I have attached screenshots of up-to-date credit reports stating that MoneyLion is reporting false information. This negligence has caused me to be denied credit and hurt my financial health.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: SC

Complaint narrative:
I AM SO XXXX XXXX XXXX XXXX. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, PayPal withdrew {$960.00} from my account labeled General Account Correction. When I asked for clarification, I was told it was due to restricted activities, but no proof or specific explanation was given. I have not violated PayPals User Agreement to my knowledge.

This deduction caused serious financial strain, and repeated requests for a clear explanation or appeal have been denied. I believe the action was unfair, nontransparent, and left me without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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