vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
Through financial aid I was provided MOHELA as my loan agency. I had a total of 4 loans. My last loan ( # 4 ), I had paid in full due to the interest already accruing. Due to my grants & scholarship monies, I not longer needed the last 2 loans ( # 3 & # 4 ). I called MOHELA XXXX to have the in full payment of {$6000.00} to be applied to loan # 2 ( as this loan had interest ) and then to loan # 1. They said it could take 90 days. I called back every month until after the 90days XX/XX/XXXX & still nothing was done. I have called EVERY month, being on hold for +5hrs sometimes waiting until XX/XX/XXXX when I found out account had actually done something to my account. THEY MESSED IT UP EVEN MORE. They did take my payment from loan # 4 & applied it to loan # 2, making it paid in full. They somehow REOPENED loan # 4, now showing all full balance for that loan. They were supposed to CLOSE loans # 3 & # 4 but took the left over monies from loan # 2 ( now paid in full ) & somehow applied that to loan # 3 ( now making that paid in full WHEN ITS SUPPOSED TO BE CLOSED, NO LONGER AN OPEN LOAN ). So now I still have loan # 1 open and loan # 4 open ( supposed to be refused & closed ) with technically only 1 loan paid in full ( loan # 2 ) and loan # 3 paid in full when its not even supposed to be open. It is now XX/XX/XXXX and even speaking with the supervisor of their revisions team they have paid no progress to close my account. No matter how many times I call & get told they would escalate it they dont. My {$6000.00} payment would have covered both opened loans ( # 1 & # 2 ) IN FULL AND WOULD HAVE A {$0.00} BALANCE. I now have opened loans that were supposed to be closed, opened lines of credit and interest accumulating. Ive put my loans on a deferment for now so I dont have to pay anything but dont want to have to wait to to it again

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name XXXX XXXX XXXX XXXX  Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint because AFFIRM INC is illegally reporting a PAID account as a collection/charge-off, which is a direct violation of the FDCPA, FCRA, and XXXX reporting standards. The account XXXX has a {$0.00} balance, was paid in full, and yet AFFIRM is still furnishing derogatory collection data on my report. This is knowingly false information and violates FDCPA 807 ( 2 ) ( A ) for misrepresenting the character and legal status of a debt.

AFFIRM has been disputed for over 90 days, and they have refused to comply with FCRA 611 ( a ) by failing to conduct a reasonable reinvestigation. They also ignored their obligations under FCRA 623 ( a ) ( 2 ) to correct inaccurate information after receiving notice from both me and the credit bureaus. They have not provided any validation, no charge-off ledger, no payment history breakdown, no itemized statements, and no documentation showing why a PAID account is still being coded as a collection/charge-off.

Reporting a paid account as a derogatory collection is deceptive, misleading, punitive, and intentionally damaging, which is explicitly prohibited under FDCPA 806 and 807. This inaccurate reporting is harming my creditworthiness, misrepresenting my payment history, and creating the false appearance that I defaulted on a debt that I actually satisfied.

In addition, AFFIRM is violating XXXX by failing to update the Account Status, Payment Status, and Compliance Condition Code to reflect that the account is PAID and should not be coded as a charge-off or collection. Their continued reporting of false derogatory data after being notified makes this willful noncompliance under FCRA 616, not a simple mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: DE

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are outdated and incorrect addresses on my credit report that I attempted to remove through a dispute. The bureau did not remove them, even though the addresses are no longer valid, no longer associated with me, and can not be verified. The presence of these incorrect addresses may cause wrong account-linking and inaccurate 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are outdated and incorrect addresses on my credit report that I attempted to remove through a dispute. The bureau did not remove them, even though the addresses are no longer valid, no longer associated with me, and can not be verified. The presence of these incorrect addresses may cause wrong account-linking and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-14 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: MI

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-14 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: IN

Complaint narrative:
Follow-Up Dispute Demand for Deletion of XXXX Account Due to Ongoing FCRA Violations This is a follow-up demand regarding the JPMCB/Chase credit card account that continues to be reported inaccurately on my credit reports. I previously disputed this account, and the bureaus and furnisher have failed to correct or verify the information as required under the Fair Credit Reporting Act ( FCRA ). 

The account is still being reported with the following false and contradictory information, as shown in the most recent XXXX XXXX data updated XX/XX/XXXX : Reported balance : {$2600.00} on an account that XXXX stated is closed and charged off Account status : Closed by credit grantor Remarks : Profit and loss write-off Worst status : XXXX days late Account closed XX/XX/XXXX, yet XXXX  continues to update new derogatory statuses in XXXX and XXXX Updating a closed/charged-off balance as if it is newly delinquent is factually impossible and misleading Under FCRA 1681s-2 ( a ) and 1681s-2 ( b ), furnishers may NOT : 1. Report information they know or should know is inaccurate 2. Continue reporting unverifiable information 3. Misrepresent the payment history of a closed/charged-off account 4. Report ongoing delinquencies on an account that is no longer open 5. Create misleading impressions about the current status of an account This furnisher is in clear violation of : FCRA 602 ( A ) reporting that is misleading or creates an incorrect impression FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 failure to reasonably investigate my dispute FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate FCRA 623 ( b ) failure to verify accuracy after a dispute Because XXXX has provided no valid verification, and continues to report inaccurate and impossible late payments long after the account was closed, this account can not be verified and must be deleted.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Follow-Up Dispute Demand for Deletion of XXXX Account Due to Ongoing FCRA Violations This is a follow-up demand regarding the JPMCB/Chase credit card account that continues to be reported inaccurately on my credit reports. I previously disputed this account, and the bureaus and furnisher have failed to correct or verify the information as required under the Fair Credit Reporting Act ( FCRA ). 

The account is still being reported with the following false and contradictory information, as shown in the most recent XXXX XXXX data updated XX/XX/XXXX : Reported balance : {$2600.00} on an account that XXXX stated is closed and charged off Account status : Closed by credit grantor Remarks : Profit and loss write-off Worst status : XXXX days late Account closed XX/XX/XXXX, yet XXXX  continues to update new derogatory statuses in XXXX and XXXX Updating a closed/charged-off balance as if it is newly delinquent is factually impossible and misleading Under FCRA 1681s-2 ( a ) and 1681s-2 ( b ), furnishers may NOT : 1. Report information they know or should know is inaccurate 2. Continue reporting unverifiable information 3. Misrepresent the payment history of a closed/charged-off account 4. Report ongoing delinquencies on an account that is no longer open 5. Create misleading impressions about the current status of an account This furnisher is in clear violation of : FCRA 602 ( A ) reporting that is misleading or creates an incorrect impression FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 611 failure to reasonably investigate my dispute FCRA 623 ( a ) ( 1 ) ( A ) reporting information known to be inaccurate FCRA 623 ( b ) failure to verify accuracy after a dispute Because XXXX has provided no valid verification, and continues to report inaccurate and impossible late payments long after the account was closed, this account can not be verified and must be deleted.

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 2025-11-14 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with explanation