vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: AE

Complaint narrative:
On XX/XX/year>, my student loans were forgiven through the PSLF program, and a letter was sent to me by Mohela with the good news. I had been waiting MONTHS for this news so that the balance will drop from my credit and my score will go up accordingly. Sadly, it has been almost 5 months since that letter. I have requested for it to reflect on my credit report, but I haven't heard anything back from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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 am submitting this formal complaint against Experian for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting fraudulent accounts on my credit report. Experian has failed to conduct a proper investigation, remove unverifiable information, and correct errors despite multiple dispute attempts. 

Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Conduct a Proper Reinvestigation Under 15 U.S.C. 1681i, consumer reporting agencies are required to investigate disputes and delete unverifiable or inaccurate information. Experian has failed to fulfill this obligation regarding the fraudulent accounts listed below.

Failure to Ensure Maximum Possible Accuracy Under 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure that consumer reports are accurate. The continued reporting of these fraudulent accounts constitutes a clear violation.

Liability for Willful Noncompliance Under 15 U.S.C. 1681n, a consumer reporting agency that willfully fails to comply with the FCRA is liable for damages, including actual damages or statutory damages of up to {$1000.00} per violation.

Liability for Negligent Noncompliance Under 15 U.S.C. 1681o, a credit reporting agency that negligently violates the FCRA is responsible for any damages incurred.

Fraudulent/Inaccurate Accounts The following accounts appearing on my credit report are inaccurate, fraudulent, and/or unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: Bridge IT, Inc.
State: OH

Complaint narrative:
formal complaint against XXXX due to their repeated failures to comply with the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681s-2 ) and their continued misreporting of information that has severely impacted my creditworthiness. Despite multiple attempts to resolve this matter directly with both companies, my disputes have been ignored, dismissed, or met with inadequate responses. Their refusal to correct these inaccuracies not only violates federal consumer protection laws but also has caused significant financial harm. I request the Consumer Financial Protection Bureau ( CFPB ) to launch an immediate investigation and take appropriate enforcement action against both XXXX XXXX, a company known for auto financing, has inaccurately reported a charge-off on my credit report. According to my records, this debt was either settled, forgiven, or should no longer be reported as delinquent. However, XXXX continues to report this charge-off, negatively affecting my credit profile. My attempts to dispute this with XXXX have been met with resistance, and I have yet to receive any concrete documentation validating their claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: WV

Complaint narrative:
Employee never spoke with me to dispute a change of address. While my address has never changed said employee lowered my score by XXXX or so points when they changed my address that was never changed because I never put in a change of address.

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 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX around XXXX XXXX  I received a scam call from someone impersonating as Navy Federal Credit Union. They also used a cover up number to show that it was a number associated with Navy Federal Credit Union. I was told that there was fraud on multiple levels and I needed to close my old account and reopen another. I was temporarily locked out of my account when I was put on hold. Then when I was able to log into the account again it was drained through wire transfers. It was sent to another account with Navy Federal and they declined my fraud request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I was in the process of purchasing a XXXX through XXXX XXXX when I was involved in a near-fatal car accident caused by an XXXX XXXX, which drastically impacted my life XXXX XXXX XXXX XXXX. As a result of the accident, I had to undergo XXXX to have my XXXX XXXX XXXX XXXX, though doctors were able to save it. Unfortunately, I am now waiting for a third XXXX. The accident occurred on XX/XX/XXXX, and before that, I had never missed a payment. 

I also had gap insurance, but for reasons unknown, it didnt cover everything. The XXXX companys insurance covered nearly the entire vehicle, leaving just about {$1700.00} unpaid. My lawyer sent multiple letters of representation to XXXX XXXX, but they refused to communicate with him, even when I requested they do so. My lawyer was the one who paid out the insurance claim, and when XXXX refused to accept the payment, he considered the matter settled. 

Despite this, XXXX XXXX continues to report inaccurate information, making it appear that Ive missed payments since my accident in XXXX, up until now, in XXXX. At the same time, they are reporting that the account was closed and paid off several years ago. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). This federal law, codified in 15 U.S. Code 1681 et seq., ensures accuracy, fairness, and privacy in consumer credit reports. 

I am requesting the removal of this item from my credit report due to these violations of the FCRA.

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 2025-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.

Complaint narrative:
Since XX/XX/XXXX i have been trying to send money through the app Remitly but they have been putting excuses and saying theyre communicating with the recipient bank but when I talk with that bank they say there is not a transaction in progress. It is a {$3500.00} transfer so I am really scared. I have talked with several customer service employees but they have not helped at all, they just ask for all of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
On XX/XX/XXXX, I called the collection agency to see if I can be presented with a contract of the debt and they refused to give it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I use XXXX XXXX. On Equifax, it states I have made 11 late payments. Thats inaccurate. XXXX XXXX says XXXX late payments. Ive tried to contact Equifax and theyre of no help. I dont have any late payments anywhere. My credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove fraudulent accounts from my credit report despite my repeated disputes.

Case Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts appearing on my credit report. 
I filed a police report ( Case # XXXX ) and submitted it to the credit bureaus. 
Despite multiple dispute requests, they have refused to remove these fraudulent items. 
This is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.

Fraudulent Accounts : I demand the immediate removal of these fraudulent accounts and inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance with federal law.

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 2025-03-31 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:
Subject : Credit Bureau Non-Compliance Identity Theft & FCRA Violation Complaint : I am filing a formal complaint against Experian, Equifax, and TransUnion for their continued failure to remove fraudulent accounts from my credit report despite my repeated disputes.

Case Background : I was a victim of identity theft, which resulted in multiple unauthorized accounts appearing on my credit report. 
I filed a police report ( Case # XXXX ) and submitted it to the credit bureaus. 
Despite multiple dispute requests, they have refused to remove these fraudulent items. 
This is a violation of FCRA 605B, which requires them to block fraudulent items within 4 business days after receiving proof of identity theft.

Fraudulent Accounts : I demand the immediate removal of these fraudulent accounts and inquiries. The credit bureaus have ignored my legal rights, causing ongoing financial harm. Please investigate this matter and ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: Nelnet, Inc.
State: FL

Complaint narrative:
1. Violation of Privacy Rights Under 15 USC 1681c ( Section 602 of the FCRA ), I have a fundamental right to privacy regarding my personal financial information. I believe this creditor has compromised this right by reporting a late payment.

2. Unauthorized Disclosure of Consumer Report Information Under 15 USC 1681b and 15 USC 1681n ( specifically, the provisions outlined in Section 604 ( a ) ( 2 ) of the FCRA ), a consumer reporting agency is prohibited from furnishing my account information without my explicit, written consent. In my case, a late payment was issued without my written consent.

3. Improper Treatment of Timely Credit Card Payment According to 15 USC 1666b, a creditor is not permitted to treat a timely payment on a credit card under an open-end consumer credit plan as late for any purpose. Despite making payments in accordance with the agreed-upon terms, this creditor has inaccurately reported or treated my payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
XXXX XXXX XXXX {$1800.00} XX/XX/XXXX Vance & Huffman LLC {$1200.00} XX/XX/XXXX I did not authorize none of these accounts According to 15. U.S.C 1692C you have violated my rights by in lawful communications please remove this collection off my credit report please thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I am getting constant calls from debt collectors, yet, I have no outstanding debt. Many start about XXXX XXXX I will get 3 calls within about 15 minutes back to back from the same XXXX area code. 

I answer and demand to know the company name and they say it is source receivables management they told me XXXX it and rudely hang up on me. Each time they call, they are extremely rude and abruptly hang up when you ask to be removed from the call log. 

This happens all day, everyday, about 5-10 calls per day. They ask for me by name OR they ask me about selling my home. 

I have blocked hundreds of the spam numbers but it doesnt matter, they call with a new one! Phone numbers harassing me in the last 24 hours are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Account XXXX XXXX XXXX XXXX  XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate reporting of the account XXXX XXXX XXXX XXXX XXXX on my credit report. This account was deleted on XX/XX/year>, yet it has reappeared without proper notification or justification. This action violates my rights under the Fair Credit Reporting Act ( FCRA ) and has caused significant harm to my credit profile. 

Under the FCRA, consumer reporting agencies are required to ensure the accuracy of the information they report and to notify consumers when previously deleted information is reinserted into their credit reports. Specifically : Section XXXX ( a ) ( XXXX ) ( A ) mandates that credit reporting agencies conduct a reasonable investigation of disputed information. 

Section 611 ( a ) ( 5 ) ( B ) requires agencies to notify consumers within five business days if previously deleted information is reinserted into their credit reports.

Experians failure to adhere to these legal obligations has not only resulted in the reappearance of inaccurate information but has also left me uninformed about the reasons for this reinsertion.

Furthermore, I am aware of the recent lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes and conducting sham investigations. The CFPB alleges that Experians practices include faulty intake procedures, uncritical acceptance of furnisher responses, and improper reinsertion of inaccurate information into consumer reports2. These allegations align closely with my experience, and I feel that I am a victim of these unlawful practices. 

I request that Experian : Immediately remove the inaccurate account XXXX XXXXXXXX XXXX XXXX XXXX from my credit report. 

Provide a detailed explanation of how this account was reinserted without proper notification. 

Ensure compliance with all FCRA requirements in handling my dispute. 

Enclosed are copies of supporting documents, including my credit report highlighting the disputed account, correspondence regarding its deletion, and any other relevant evidence. 

Please investigate this matter promptly and provide me with written confirmation of the actions taken. Failure to resolve this issue may result in further legal action to protect my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report, I strongly believe that this situation exploits me, and I seek resolution.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report, I strongly believe that this situation exploits me, and I seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
nothing changed information is still being reported XX/XX/2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
nothing changed information is still being reported XX/XX/2025

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 2025-03-30 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: WV

Complaint narrative:
Employee never spoke with me to dispute a change of address. While my address has never changed said employee lowered my score by XXXX or so points when they changed my address that was never changed because I never put in a change of address.

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 2025-03-30 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: WV

Complaint narrative:
Employee never spoke with me to dispute a change of address. While my address has never changed said employee lowered my score by XXXX or so points when they changed my address that was never changed because I never put in a change of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed I was getting transactions in my debit card that says " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX' throughout days where I didn't spend money, I've never sent those amounts, and I have no idea where it's being sent to. I checked my subscriptions, all my transactions, all possible activity and I don't find these transactions. I got my card canceled and sent a new one however, even after activating my new card, I was still seeing new fraudulent transactions. I reported this to Truist however, I only received a letter saying that it was denied with no further explanation. I sent a follow up email with additional documentation to support my claim and requested to be sent documentation of how they came to this conclusion and never received a response. I then reported this to XXXX XXXX and they again only sent me a denial letter with no further explanation when I asked to be put in touch with the legal department. They only said that nobody can help me and I can not close my card unless I've pay it down the balance which again, is not made by me. I am reporting this fraud case over and over without getting any further help I have used Truist for the past 10 years with no issues and the way they've handled this shows that they do not care. XXXX XXXX support was absolutely XXXX help as well. No next steps, no resolutions despite me reporting that this is 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