vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint against the three major credit bureaus for ongoing violations of the Fair Credit Reporting Act ( FCRA ).

Over the past several months, I have repeatedly disputed inaccurate and potentially unverifiable information in my credit report, including incorrect personal information ( current/previous addresses and employers ) and two accounts : Collection : XXXX XXXX XXXX  Acct . # XXXXXXXX XXXX XXXX XXXX XXXX Charge-Off : XXXX Acct. # XXXXXXXX XXXX XXXX XXXX XXXX Despite providing all required documentation and specifically requesting the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), the bureaus have failed to : Provide the specific verification process used.

Identify the name, title, and contact details of the furnishers.

Produce any documentation relied upon to verify these items.

Instead, they have issued generic verified responses without conducting a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) and 1681e ( b ). The inaccurate personal information still remains, including : Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( incorrect ) Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX ( incorrect ) Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( incorrect ) Employers : XXXX XXXX  ( incorrect ) Employers : XXXX ( incorrect ) I have clearly stated in each dispute letter that I am submitting these disputes myself, not through any unauthorized third party. Yet the bureaus have failed to correct or delete the items in violation of FCRA requirements.

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 2025-08-13 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:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. This account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). This account in question are : XXXX High Balance : {$3700.00} Account Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
To Whom It May Concern : Subject : Formal Complaint and Request for Federal Student Loan Discharge Due to MOHELA Mismanagement and Abusive Practices I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/year> concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. 
According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( XXXX ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : Incorrect billing amount I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has not only jeopardized my financial health, credit score, and access to federal benefits, but has also caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. 
Given that MOHELA is currently under investigation for systemic abuses, I am requesting : 1. A full review and audit of my loan account ( s ) serviced by MOHELA 2. A formal response detailing corrective actions to resolve the errors on my account 3. Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm XXXX. Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors XXXX. Confirmation that my eligibility for programs such as XXXX, XXXX XXXX XXXX XXXX ( PSLF ), or Fresh Start has not been compromised Please consider this letter a formal request for loan dispute resolution and borrower defense and ensure that my rights under the Higher Education Act and applicable borrower protection laws are upheld. 
Thank you for your attention to this urgent matter. I respectfully request a timely response and resolution, and I welcome the opportunity to speak further with an investigator or caseworker.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-13 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: 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 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 2025-08-13 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: IL

Complaint narrative:
I am submiiting a formal 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 XXXX 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 XXXX to both the consumer and the IRS.and I'm gon na need the following inquiries remove from my file with accordance to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I am submiiting a formal 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 XXXX 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 XXXX to both the consumer and the IRS.and I'm gon na need the following inquiries remove from my file with accordance to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXXXXXX 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/XXXX VIA CFPB PORTAL Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Re : XXXX XXXX Barclays Bank Delaware , Barclaycard Visa with XXXX XXXX, Account Ending XXXX To Whom It XXXX Concern, I am formally disputing the derogatory reporting of my Barclaycard Visa with XXXX XXXX  account ending in XXXX. This account was settled in full as of XX/XX/XXXX, per the settlement agreement with Barclays Bank Delaware. Despite this, the account continues to reflect delinquencies and negative information, which is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & 1681i ( a ), furnishers are legally required to report only complete and accurate information to consumer reporting agencies. Reporting negative information after a confirmed full settlement constitutes a violation of the FCRA, as it misrepresents my payment history. 

I demand that Barclays Bank Delaware : Provide complete verification of all reported delinquencies post-settlement, including statements and internal records supporting nonpayment. 

Correct or remove all inaccurate, misleading, or unverifiable negative entries from my credit reports with XXXX, XXXX, and XXXX  immediately. 

If Barclays can not substantiate these reported delinquencies with verifiable evidence, I expect that all related derogatory marks be permanently deleted from my credit files in accordance with federal law. Please provide written confirmation of your investigation and the corrective actions taken. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL 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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
I receive a money by cash app for a friend who call me XXXX because I am XXXX  so cash app freeze this money and put my account under revision I receive other money for other person and when I tried to take of cash app dont let me do it I call them and said is under revision so the money stay on my cash app account and I cant take off I tried other time to send to my account and for a mistake I transfer my money of my bank account to there when I call to said whats happen they said yo have to wait because yo account is under revision this happens on XX/XX/year> since and nothing happens yesterday I call again XX/XX/year> and they said the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: MD

Complaint narrative:
RE : Request for Blocking of Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) To Whom It May Concern : I am writing to formally request the blocking of fraudulent accounts and information appearing in my credit file that resulted from identity theft, as provided under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Pursuant to this section of the law, I am providing the following required documentation : 1. FTC Identity Theft Report ID : XXXX XXXX. Proof of Identity : Copy of my driver 's license / state ID 3. Proof of Address : [ Utility bill, bank statement, etc. ] 4. Social Security Number : Last four digits : XXXX No police report is required under the law to exercise my rights under 1681c-2. The FTC Identity Theft Report provided meets all statutory requirements.

The following accounts/information are the result of identity theft and must be removed from my file : - BOUNCE AI-Account No : XXXX - {$1400.00} Under 15 U.S.C. 1681c-2 ( a ), you are required to remove this information within 4 business days of receiving my request and supporting documentation.

Please send written confirmation once the fraudulent information has been deleted and blocked from my file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX OF XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX - Balance {$10000.00} Account Name : XXXX CARD # XXXX - Date Opened XXXX Balance {$51000.00} Account Name : XXXX CARD # XXXX - Date Opened XXXX Balance {$29000.00}

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 2025-08-13 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXXXXXX XXXX XXXX XXXXXXXX balance {$200.00} XXXX CARD XXXX balance {$5200.00} XXXX XXXX XXXXXXXX CARD XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXXXXXX 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
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-13 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: NY

Complaint narrative:
My account with DEPT OF EDXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDXXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: KY

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-08-13 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: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXXXXXX 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 2025-08-13 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: KY

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief