vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: NH

Complaint narrative:
I am writing to request the immediate investigation and removal of unauthorized accounts appearing on my credit report. I did not open or approve these accounts, and I am unfamiliar with their source. As provided under USC XXXXg, I formally request that they be deleted within XXXX days. Enclosed are relevant documents for your review. It is also important to note that conflicting and inaccurate account data is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
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. 

XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Equifax ] Dept of EduXXXX XXXX XXXX Formal Dispute of Inaccurate Credit Reporting Account Name/Number : [ Department of Education / XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit report concerning a late payment allegedly made to the Department of Education / XXXX XXXX This item appears on my credit report as a late payment, which I believe to be inaccurate and unverifiable. 

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered to the consumer not less than 21 days before the payment due date. I have reason to believe this requirement was not met, and I am requesting verification that the creditor complied with the statutory requirements.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete or inaccurate. I am requesting that this account be investigated and that you provide : Documentation verifying that the late payment is accurate and that proper notice was given in compliance with 15 U.S.C. 1666b.

The name and contact information of the person or entity that provided the alleged information.

The date this information was reported to your agency.

If you are unable to verify the information within 30 days, as required under the FCRA, the information must be deleted from my credit report.

Please also send me an updated copy of my credit report once the investigation is complete.

Thank you for your prompt attention to this matter. Please contact me at the address or phone number listed above should you need any additional information from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
[ Experian XXXX XXXX XXXX XXXX XXXX Dept of EduXXXX Re : Formal Dispute of Inaccurate Credit Reporting Account Name/Number : [ Department of Education / XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit report concerning a late payment allegedly made to the Department of Education / XXXX XXXX This item appears on my credit report as a late payment, which I believe to be inaccurate and unverifiable.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered to the consumer not less than 21 days before the payment due date. I have reason to believe this requirement was not met, and I am requesting verification that the creditor complied with the statutory requirements.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete or inaccurate. I am requesting that this account be investigated and that you provide : Documentation verifying that the late payment is accurate and that proper notice was given in compliance with 15 U.S.C. 1666b.

The name and contact information of the person or entity that provided the alleged information.

The date this information was reported to your agency.

If you are unable to verify the information within 30 days, as required under the FCRA, the information must be deleted from my credit report.

Please also send me an updated copy of my credit report once the investigation is complete.

Thank you for your prompt attention to this matter. Please contact me at the address or phone number listed above should you need any additional information from me.

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 2025-05-16 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: PA

Complaint narrative:
[ XXXX  / TransUnion / XXXX  ] Dept of EduXXXX Re : Formal Dispute of Inaccurate Credit Reporting Account Name/Number : [ Department of Education / XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit report concerning a late payment allegedly made to the Department of Education / XXXX XXXX This item appears on my credit report as a late payment, which I believe to be inaccurate and unverifiable.

Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered to the consumer not less than 21 days before the payment due date. I have reason to believe this requirement was not met, and I am requesting verification that the creditor complied with the statutory requirements.

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute any information that is incomplete or inaccurate. I am requesting that this account be investigated and that you provide : Documentation verifying that the late payment is accurate and that proper notice was given in compliance with 15 U.S.C. 1666b.

The name and contact information of the person or entity that provided the alleged information.

The date this information was reported to your agency.

If you are unable to verify the information within 30 days, as required under the FCRA, the information must be deleted from my credit report.

Please also send me an updated copy of my credit report once the investigation is complete.

Thank you for your prompt attention to this matter. Please contact me at the address or phone number listed above should you need any additional information from me.

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 2025-05-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
In XX/XX/XXXX I borrowed money from XXXX to pay off 2 credit card debts one of them was to Truist Bank. XXXX debited the money from my checking account. This worked fine until XX/XX/XXXX. All of the sudden I started to receive overdue notices and numerous phone calls from Truist saying they had not received payments. At first I ignored them thinking it was a system glitch. Then I started to call both Truist and XXXX. After numerous phone calls the XXXX rep said that XXXX system was sending the money after the due date!!! After several more calls to both XXXX and Truist, basically no solution was offered. Meanwhile my credit score took a XXXX point hit. I don't understand why I am being punished because the 2 systems can't communicate. 
From the overdue notices I am getting it appears XXXX just stopped paying the credit card company although they continued to debit the payment from my checking account.

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 2025-05-16 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: PA

Complaint narrative:
I have been having issues with Mohela for several months now ; they are the worst company I have ever encountered. I have called upwards of XXXX times and each time have been put on a hold cue for anywhere from XXXX hour to XXXX hours ( sometimes they don't even answer or offer a callback ). When I do get to speak with someone they offer pre-written scripts and can not answer any of my questions ; further I have twice had a customer service representative give me false information - telling me that Mohela does not approve or review IDR application requests and that I can not buy back XXXX payment time while on forbearance ( BOTH UNTRUE ). I am appalled with the lack of service I have received and am expecting a resolution. Further, someone needs to provide me with information regarding on when my IDR application is going to be reviewed ( submitted on XXXX is when it shows on their system ). I have several colleagues who are also owing student loans through different loan servicers that submitted IDR applications within the past month and their applications took less than XXXX weeks to be reviewed and approved. It is absolutely unacceptable the way Mohela is handling the situation and as previously stated I am expecting a resolution in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
I have been a victim of identity theft. 
SEE ATTATCHMENTS

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 2025-05-16 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: NY

Complaint narrative:
I have been a victim of identity theft. 
SEE ATTATCHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: NV

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-16 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: FL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-16 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: NC

Complaint narrative:
To begin, on a random day I had notifications through my banking app saying my credit score was being affected negatively. I then see its from the company MOHELA. Never heard of this company before. They have never tried calling me, mailing me something, texting me, or emailing me. So I decided to give them a call. The wait to get a call back was XXXX hours. They eventually called back and the call got disconnected. No one attempted to call me back. So I got back on the call back list and they called me back at XXXX XXXX  while I was asleep. In the short time that I did talk with them, they said I was overdue on many payment. I ask what payments are you talking about the only loan I've ever taken out was in XXXX  for XXXX XXXX which was completely paid off the following year. I then call my school to see if these payments were applied to my tuition. She tells me they were loans through that company in which was coming from my financial aid. I have never once had to repay for my financial aid even when I went to a technical college. If anything they refunded me! Now they are saying I owe them money for something I didnt know was a loan! No one made me aware and I mean NO ONE that I would have to owe anything after I graduated. I brought this to my mothers attention in which she went on XXXX and noticed this was happening to other people too! MOHELA is scamming people saying we owe them this money years after we graduate and not telling us until our credit score tanks! I have been trying to get a lawyer because this can not be legal. They 100 % know what they are doing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TN

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

ACCORDING TO 15 UaSC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!

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 2025-05-16 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

ACCORDING TO 15 UaSC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: MS

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 non-monetary relief