vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am filing this complaint against both Equifax and Experian for violations of the Fair Credit Reporting Act ( FCRA ) .Equifax and Experian have reinserted a previously deleted account ( XXXX XXXX ) into my credit file without proper notification, certification, or validation as required by FCRA 611 ( a ) ( 5 ) ( B ). THIS IS THE SECOND TIME. 
I did not receive any written notice within XXXX business days of the reinsertion, nor was I provided with information regarding the source or basis of the reinsertion. 

Additionally, Experian and Equifax initiated a dispute investigation without my knowledge or consent, which is both misleading and unauthorized under FCRA. 

I request that the CFPB investigate these serious violations and hold both bureaus accountable. These actions are affecting my credit file and financial well-being unfairly.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I am filing this complaint against MOHELA due to their failure to provide access to my federal student loan account or timely customer service, which has directly caused me to fall four ( 4 ) months behind on payments.

I have sent two formal letters to MOHELA ( the most recent was received XX/XX/year> ), clearly stating that I can not access their online portal ( which consistently errors out ), and that Ive been unable to get through by phone despite numerous attempts. They say the average hold time is 4+ hours which I have tried on many occasions. On two occasions, I waited over 8 hours on the phone until after their business hours without being helped. I also submitted complaints on their website and the Federal Student Loan website without a response.

Since sending those letters, I have received only two missed calls fro
m MOHELAboth

during work hoursbut no voicemail, no email, and no written response. They provide no alternative method of communication.

MOHELAs complete inaccessibility has left me unable to make payments or resolve my account. This delinquency is entirely the result of their system and customer service failures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
I applied for a cash advance with Advance Financial and was approved. However, when I tried to access the funds, my account was blocked due to a supposed fraud suspicion. Since then, I have sent multiple emails and called several times, but I havent received any clear explanation or solution.

The responses Ive received are either automatic or extremely brief, with no real information. I have not been told what documents are required or how long the process will take. Meanwhile, I dont have access to the funds that were approved, and the situation is very frustrating.

I am requesting that my case be reviewed seriously, that my account be unblocked, or that I be clearly informed of the steps I need to take to resolve this issue. This customer service is unacceptable.

I requested it more than a month ago, approximately on XX/XX/XXXX, for XXXX and even though I call and write, I never receive a response to help me. Only if you are on hold due to suspicion of fraud, I ask for help to know how to solve it, what to send to solve this problem, and I don't receive a response or they tell me to call, and when I call, they tell me to send an email, and they never respond to the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Said company was asked to provide further information in regard to said company XX/XX/year> XXXX XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Phone Company Account on Credit Report Dear Experian I am writing to dispute an incorrect item listed on my credit report related to a phone service account. The information is inaccurate and should be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Here are the details of the account in question : Type of Error : Please investigate this matter and correct or delete the inaccurate information from my credit file. Kindly send me written confirmation of the outcome within the 30-day period required by federal law.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
Ive been contacting Equifax for the past month. Im trying to regain access to my account and have spoken to numerous representatives trying to resolve my issue. Most of the information on my credit report is inaccurate! None of it has been updated even though I have told them numerous times that the information is wrong. Furthermore, they have not allowed me any access into my own account to remove all the items that are incorrect. Im aware of their recent data breach and they should bare responsibility for peoples inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: Healthcare Management, LLC
State: CO

Complaint narrative:
This company has reported a XXXXXXXX XXXX XXXXt on my credit report and is in direct violation of state laws regarding reporting medical debt to credit bureaus. They have damaged my credit illegally and Ive asked them through email to remove this from my credit report as this is not legally allowed to be reported or recorded on my credit report. The debt is from XXXX XXXX Hospital. A medical institution. This is not legally allowed to be reported on my consumer report and damage my credit like you are currently doing. I ask that you remove this from my credit report at once and follow Colorado state and federal laws regarding medical debt. You are in violation of the law currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX # XXXX XX/XX/year> -- {$280.00}

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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Santander Consumer USA ( Account # XXXX ) has engaged in deceptive and illegal credit reporting and loan servicing practices that have caused me financial harm and violated the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I paid Santander {$1000.00} to reinstate my auto loan and agreed to make {$200.00} weekly payments to resolve my balance ( which was then approximately {$4500.00} {$4600.00} ) and keep my car out of repossession. Santander accepted my payment and confirmed our arrangement. However, just one week later, Santander reported my account as charged off and closed to all major credit bureaus, despite my continued weekly payments and the fact that I remained in possession of the vehicle.

After I discovered the charge-off status, a Santander representative informed me that my account was closed, no further payments or interest would be due, and the loan was no longer active. Relying on this information, I stopped making payments. Later, I learned that, internally, Santander still considers my account open, continues to add new payment obligations, and increases the balance-despite reporting it as closed/charged off on my credit reports. As a result, the total payoff now being claimed by Santander is XXXX XXXXXXXX as past due but, an amount that is grossly inflated and inaccurate due to their improper handling and reporting of my account. 

This is a clear violation of the FCRA and the CFPB consent order against Santander ( see CFPB Consent Order XXXX ), which specifically found Santander furnished inaccurate information about whether accounts were open or closed and whether consumers were obligated to make future payments. The CFPB has already penalized Santander for these systemic errors and required them to correct such reporting. 

Santanders dual reporting-showing my account as closed/charged-off to credit bureaus while treating it as open and adding new payments internally-is misleading, inaccurate, and has damaged my credit and financial standing. They failed to honor our payment agreement, misrepresented the status of my loan, and continued to collect payments and report inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Charge-Off Accounts XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX  {$8000.00} XXXX XXXX XXXX XXXX  {$3400.00} XXXX XXXX {$120.00} Collection Account : XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) {$4300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Charge-Off Accounts XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX  {$8000.00} XXXX XXXX XXXX XXXX  {$3400.00} XXXX XXXX {$120.00} Collection Account : XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) {$4300.00} These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NV

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.

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 2025-05-13 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: FL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-05-13 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: GA

Complaint narrative:
Vehicle had a mechanical malfunction which caused vehicle to burn after owning it for less than 1 month

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 2025-05-13 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: GA

Complaint narrative:
Vehicle had a mechanical malfunction which caused vehicle to burn after owning it for less than 1 month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Vehicle had a mechanical malfunction which caused vehicle to burn after owning it for less than 1 month

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 2025-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Herbert P. Sears Co., Inc.
State: FL

Complaint narrative:
Said company was asked to provide further information in regard to said company XX/XX/20XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Student Loan Reporting Dear XXXX  I am writing to dispute the inaccurate information on my credit report concerning one or more student loan accounts. The information in question does not reflect the current and correct status of my student loan ( s ) and may be negatively affecting my credit.

The items ( s ) I am disputing are as follows : Dispute Reason : o The loan is listed as delinquent, but it was in deferment/forbearance at the time.

o The payment history is incorrect Please investigate this matter and correct or delete the inaccurate information from my credit file. Kindly send me written confirmation of the outcome within the 30-day period required by federal law.

Thank you for your prompt attention to this matter.

Sincerely,

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
b'Im trying to access to my online banking account but the system locked my access and I was requested to call XXXX XXXX XXXXXXXXBut on the call center (I called today XXXX XXXX they couldnt find my account that was opened on XXXX XXXX, also I dont have SSN so they couldnt help me and they didnt provide any solution'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 two Bureaus 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 Balance : {$610.00} Open Date XX/XX/XXXXXXXX XXXX XXXXI Balance : {$5200.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$2100.00} Open Date XXXX XXXX, XXXX XXXX Balance : {$360.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$180.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance : {$180.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$75.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX 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