vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I got a call from a debt collector saying that I owe {$9000.00} and they said if I didnt pay {$300.00} and then {$50.00} every other week then they were gon na send my stuff to a collection agency where I will be garnished my wife called because I got freaked out and set up a payment arrangement because my wife wanted proof of debt and they told her that they already sent out proof of debt and they cant send anymore that I will get a receipt in the mail and while my wife was on the phone, they told her not to talk over them and was very rude and refused to give her proof of anything or me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
There was a date range where my ex stole my vehicle destroyed it and took my phone and wallet and withdrew or spent all of my funds however she could, she opened accounts and just really put me in a bad position, Ive notified chime gave them Info they asked for they chose to approve only small money amounts of transactions and when it came to my actual checking account even though they found other transactions to be made in same time frame as fraudulent or an error they denied with no explanation, member services had no explanation they tried telling me I couldnt even appeal decision until I said I had texts of her stating that she took my stuff and destroyed it, stole it and threatening my family, they have not responded nor have they sent any information over. The member services rep told me she knew these charges to be fraudulent and after admitting that claimed she had no knowledge or access to any said info that could result in a denial, the fact they know they fraudulent and wont back their security or product and let their clients money just get stolen is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased two XXXX XXXX virtual prepaid gift cards for {$750.00} each, one on XX/XX/XXXX and one on XX/XX/XXXX. On those same respective days, I attempted to use each card online. After a couple transactions, both cards were blocked and went into an " ON HOLD '' status and their website directed me to call customer service. I called customer service on both XX/XX/XXXX and XX/XX/XXXX, and was told in both cases that the respective cards had been blocked for security purposes and they would be mailing me a refund check for the respective remaining balances ( {$640.00} and {$690.00} ). I called in again on XX/XX/XXXX inquiring on the status of the refunds, and was told to give it another 3-4 business days and that the requests were in process. I called in again on XX/XX/XXXX and was told that they can't help me, that they ( XXXX ) are just the service provider, and I need to contact the issuer ( XXXX XXXX ). However, the only contact information for my place of purchase ( AmexGiftCard.com ) is the number that I called which leads me to XXXX. Either way, it doesn't make sense since these are the people that raised my request in the first place and should be able to assist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: OH

Complaint narrative:
I have requested automatic monthly payment withdrawals via online Mohela website application. I have requested this several times over the past 6 or 7 months so that I can qualify for a percentage off of my monthy student loan payment and so that I would not be late with my payments. Mohela has continued to cause me to be late on my monthly payment because they are not automatically withdrawing my payments. I have called them, but there are no automated options for my issue so the system hangs up on me. I have attempted to speak with a live person, but the system will not allow me to. I have filed a complaint with the XXXX. I have many confirmation emails showing that I did sign up for automatic payment withdrawals, but nothing has ever happened. So I have to go in every month to make those payments and it doesn't allow me to take advantage of the percentage discount that I would receive for automatic withdrawals. This company is terrible regarding customer service.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: VA

Complaint narrative:
Previous complaint filed number filed XXXX on XXXX complaint was closed on XX/XX/XXXX CFPB XXXX XXXXXXXX. I did not any information on the resolve of the case nor notification the case was closed. I assumed it was closed due to government shutdown and Mohela stated they have been contacting me unsuccessfully which is a falsehood. Been contacting them by email for resolve since I'm now homeless. I have also learned from Va Legal Aid that Mohela has been charging me {$200.00} each month for the use of my debit card. I have been paying on the account of {$220.00} monthly since XXXX because of Social Security up to XX/XX/XXXX. Prior to XXXX. I was paying on the account {$360.00} or more. Can no longer afford it ; I have told this company over and over again this, but still been paying on the private loans in the amount of {$13000.00}, {$9000.00}, {$5000.00} and {$3000.00}. The {$13000.00} loan was changed to {$25.00} in a few short years, ; my question is why? For what reason, Fraudulent business practices to include extra forebearance charges and the extra charges to use a debit card. Mohela, stated they do not have income base program. My issue is why this company can give me true accounting figures, just furnished the amount I owe them {$44000.00} more, Why is that and I have paid almost {$60000.00} on a {$30000.00} loan. Now with them stating I owe more than the original amount.is like a payday loan company. I will pay over {$100000.00} from a XXXX XXXX go'vt loan taken out in XXXX. I'm XXXX XXXX of age, former military spouse civil service worker for federal govt. I don't forsee it being completely paid off with exorbitant interest rates. I applied for public forgiveness, I was denied. Everything I have applied for has been denied, I have requested over email to forward my balances and charges because what the use setting up payments over a debit card and you charging XXXX the payment, Now they are asking {$500.00} plus dollars monthly, that I cant afford. I have sacrificed groceries to make payments I have disputed wrong information concerning making payments, stating I was always late making payments. Another falsehood paid by allotment every month for 15 years. Reported I was self employed another falsehood. Retired senior on social security. I do not know if you can help me ; however tederal government must intervene in these fraudulent business practices especially if a person has been paying on these small private education loans and has ballooned into impossibility of being paid back. Mohela has threatened me to make a {$500.00} payment by tomorrow.by XXXXXXXX XXXX. I am homeless only address, I have is my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
There is incorrect information that needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-28 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: WI

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AL

Complaint narrative:
As I was going over my credit report I noticed that there are credit cards that I did not authorize 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided It is my understanding that because I was unable to make an uninformed decision, the agreement is void

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 2025-11-28 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: AL

Complaint narrative:
As I was going over my credit report I noticed that there are credit cards that I did not authorize 15 USC 1602 ( g ) ( 2 ), There was no evidence of indebtedness, there was only the agreement provided It is my understanding that because I was unable to make an uninformed decision, the agreement is void

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NJ

Complaint narrative:
I have been disputing with all three credit report about reporting negative payments. Which is an uncommon, very non tasteful. XXXX have been reporting negative items on my report since last of XXXX and XXXX in the summer and the winter. Which Experian and Equifax, transunion knows that FCRA Law is to protect the customer! Especially I ask that they remove them items off my report before next month. Its not fair for me to keep reporting this matter, Im getting very frustrated about this. So please fix this matter thank you so much

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been disputing with all three credit report about reporting negative payments. Which is an uncommon, very non tasteful. XXXX have been reporting negative items on my report since last of XXXX and XXXX in the summer and the winter. Which Experian and Equifax, transunion knows that FCRA Law is to protect the customer! Especially I ask that they remove them items off my report before next month. Its not fair for me to keep reporting this matter, Im getting very frustrated about this. So please fix this matter thank you so much

Company response to consumer: Closed with explanation