vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am seeking your assistance in removing the remaining fraudulent items from my credit report. I appreciate your help in removing some of the fraudulent items, and I'm hoping you can help me again with this matter. Despite your previous assistance, there are still some fraudulent items on my credit report that need to be removed. I kindly request your support to correct these discrepancies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$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 explanation
Consumer complaint received 2025-04-29 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:
I am seeking your assistance in removing the remaining fraudulent items from my credit report. I appreciate your help in removing some of the fraudulent items, and I'm hoping you can help me again with this matter. Despite your previous assistance, there are still some fraudulent items on my credit report that need to be removed. I kindly request your support to correct these discrepancies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
I had a money transfer from my sister XXXX XXXXXXXX and I wanted to pick up the cash. At the western union office they asked me to call and ask for a release for the hold on the transaction so they could proceed and give me the money. ( Very usual and ok ) however, the person on the costumer support call cashed out instead of doing release for the hold. The transfer now says money received/picked up but i did not get any money. The lady made a mistake instead of releasing hold she cashed out and i can't get my money now. I tried to file a case they said it's gon na take up to 20 days. It's been XXXX days and everytine i call they promise to call me within 24 to 48h for a feedback or a new mtvn so I could go and pick up my money. But never heard back. I always have to call again and re explain everything to every costumer support agent that happen to pick up my call I spoke with XXXX operator number XXXX. She promised me with a new XXXX within 48h since 5days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
I was charged XXXX for a transaction when it was returned to XXXX. Opened a ticket with Apple Goldman Sachs and after 4 months they debuted it. 

Dispute case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected or removed promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$400.00} In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries.

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 2025-04-29 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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

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 2025-04-29 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: SC

Complaint narrative:
On XX/XX/year>, I went to the emergency room at XXXX XXXX XXXX while on leave visiting my family for the holidays. I provided my XXXX XXXX card and XXXX insurance information. Shortly after, I returned to XXXX under military orders to complete my duty station assignment. While stationed overseas, I was unaware that bills were being mailed to my U.S. residence. The hospital failed to properly bill XXXX, and a collection account later appeared on my Experian report under XXXX XXXX XXXX XXXX. I contacted the collection agency, who incorrectly advised me to pay and seek reimbursement, which XXXX confirmed is not their process. I am not responsible for this debt and respectfully request removal 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 2025-04-29 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: GA

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

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX U.S.C 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 U.S.C 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 XXXX a consumer XXXX any consumer reporting agency if the person knows or has reasonable cause XXXX 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 non-monetary relief
Consumer complaint received 2025-04-29 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: DE

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: TX

Complaint narrative:
On or around XX/XX/XXXX, Carvana called me to notify me that they could not complete the registration and title process for the vehicle I purchased in XX/XX/XXXX. I have made four monthly payments towards this loan already, totalling {$1800.00}. They are now telling me that since they can not resolve the title issues that I must return the vehicle and purchase another vehicle through them. They will not honor the original financing terms on a similar vehicle. Now they are holding XXXX my {$1800.00} plus {$6600.00} in trade in credit from a vehicle I sold to them. I don't want to buy another car from them and I dont trust them to follow through. Additionally, my loan account now shows over 120 days past due and they have reversed the payments on my account and my credit is going to be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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 is the letter I am submitting in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) XXXX the XXXX XXXX Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, XXXX/or reported without proper documentation or permissible purpose. 

These reporting practices violate federal regulations, damage my credit reputation, XXXX hinder my financial stability. 



Disputed Items Collections XXXX XXXX {$790.00} | Acct # : XXXX XXXX XXXX XXXX {$160.00} | Acct # : XXXX XXXX XXXX {$2400.00} | Acct # : XXXX XXXX XXXX {$2500.00} | Acct # : XXXX XXXX XXXX XXXX {$790.00} | Acct # : XXXX XXXX XXXX XXXX {$800.00} | Acct # : XXXX Closed Accounts XXXX XXXX {$5700.00} | Acct # : XXXX XXXX CARD {$4500.00} | Acct # : XXXX XXXX CARD {$0.00} | Acct # : XXXX XXXX  XXXX | Acct # : XXXX XXXX | Acct # : XXXX Violations of Federal Law XXXX. XXXX XXXX. XXXX ( Section XXXX ( a ) ) Ensures the right XXXX privacy XXXX accurate reporting for consumers. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) Restricts inclusion of outdated or adverse information beyond reporting time limits. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX full compliance in data formatting, accurate account status reporting, XXXX  proper substantiation of derogatory claims. 



Summary of Issue Despite my formal disputes XXXX requests, no physically verifiable documentation has been provided XXXX support the accuracy or validity of these accounts or the inquiry. I have not received : Proof of a permissible purpose Signed contracts or account ownership documents XXXX supporting derogatory or delinquent status Evidence of proper formatting or compliance with XXXX XXXX standards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
This is the letter I am submitting in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) XXXX the XXXX XXXX Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, XXXX/or reported without proper documentation or permissible purpose. 

These reporting practices violate federal regulations, damage my credit reputation, XXXX hinder my financial stability. 



Disputed Items Collections XXXX XXXX {$790.00} | Acct # : XXXX XXXX XXXX XXXX {$160.00} | Acct # : XXXX XXXX XXXX {$2400.00} | Acct # : XXXX XXXX XXXX {$2500.00} | Acct # : XXXX XXXX XXXX XXXX {$790.00} | Acct # : XXXX XXXX XXXX XXXX {$800.00} | Acct # : XXXX Closed Accounts XXXX XXXX {$5700.00} | Acct # : XXXX XXXX CARD {$4500.00} | Acct # : XXXX XXXX CARD {$0.00} | Acct # : XXXX XXXX  XXXX | Acct # : XXXX XXXX | Acct # : XXXX Violations of Federal Law XXXX. XXXX XXXX. XXXX ( Section XXXX ( a ) ) Ensures the right XXXX privacy XXXX accurate reporting for consumers. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) Restricts inclusion of outdated or adverse information beyond reporting time limits. 
XXXX. XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX full compliance in data formatting, accurate account status reporting, XXXX  proper substantiation of derogatory claims. 



Summary of Issue Despite my formal disputes XXXX requests, no physically verifiable documentation has been provided XXXX support the accuracy or validity of these accounts or the inquiry. I have not received : Proof of a permissible purpose Signed contracts or account ownership documents XXXX supporting derogatory or delinquent status Evidence of proper formatting or compliance with XXXX XXXX standards

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 2025-04-29 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
On XX/XX/2025, I sent Mohela a debt validation and chain of title request via certified mail. USPS tracking confirms delivery on XX/XX/2025. My request, under FCRA 611 and FDCPA 809, demanded full documentation including the original signed promissory note, a complete and unbroken chain of title, all servicing and assignments contracts, and a full accounting of payments, deferments, and adjustments. 

Mohela has failed to respond to this date. No documents have been provided, nor has anything been mailed to me. This constitutes a failure to meet statutory obligations. I am requesting CFPB enforcement to compel Mohela to validate the debt or cease any collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Regarding Incorrect Reporting of XXXX XXXX and Missing XXXX Student Loan To Whom It May Concern : I am writing to dispute inaccurate information on my TransUnion credit report. 

First, TransUnion is showing my XXXX XXXX ( issued by XXXX XXXX ) as XXXX days past due for XX/XX/year>. This is not true. I made the payment on XX/XX/year>, which was not even XXXX days late. A XXXXday late mark should only be reported if a full XXXX days have passed without payment, which did not happen. 
Because of this error, I am asking for the XXXXday late mark to be removed and for the account to be reported as Paid as Agreed. 

XXXX my XXXX student loan account was being reported before but has now been removed without any reason. This account has always been paid on time, with no missed payments and has always been in good standing. Its removal dropped my credit score by a lot. I am requesting that the XXXX account be put back on my credit report and that it shows the correct history of on-time payments and good standing. 

I am requesting the following : Remove the XXXXday late payment for the XXXX XXXX for XX/XX/year>. 
Update the XXXX XXXX account to Paid as Agreed. 
Put the XXXX student loan account back on my credit report, showing no missed payments and good standing. 
Send me a corrected copy of my credit report once these changes are made. 

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

Sincerely, 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
Consumer complaint received 2025-04-29 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: NY

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

Account name : XXXX, XXXX XXXX, XXXX XXXXXXXX CC, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 

And according XXXX  the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures XXXX assure maximum possible accuracy of the information concerning the individual about whom the report relates according XXXX XXXX XXXX XXXX ( XXXX ) ( b ). 

And according XXXX  XXXX XXXX XXXX XXXX they are supposed XXXX  do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; XXXX  ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX according XXXX XXXX XXXX XXXX they are supposed XXXX  not furnish any information relating XXXX a consumer XXXX  any consumer reporting agency if the person knows or has reasonable cause XXXX believe that the information is inaccurate. 

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