vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-07-10 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:
Bankruptcy reporting on my credit report. which is a public report.

Section 15 U S Code 1681 a ( 4 ) Consumer right to privacy.

I want this removed from my credit report my privacy is not being protected The bankruptcy court never reported thisa third party did which is illegal

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 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I have spent many hours on the phone with customer service at MOHELA and am told the same thing, that they report payment information every week and that they are seeing no issues with my payments and everything in my account is on track for loan forgiveness. They insist any issues are on the XXXX XXXX XXXX ( XXXX side ). I have also spent many phone calls and complaints with XXXX to resolve this issue, multiple investigations from them into the issue show that MOHELA has not been sending my monthly payment information on my account to them over the last year. I was able to get in touch with XXXX  who have verified they have not received any payment information on my account from MOHELA since XXXX, therefore XXXX does not have information for payments from me to MOHELA in the past year because they pull their information from XXXX 's records. 

The last information XXXX has on file for me is from XX/XX/XXXX when I was at XXXX qualifying payments for my student loans. As of XX/XX/XXXX, I have now hit the XXXX qualifying payments over a 10 year span necessary for student loan discharge and forgiveness from my qualifying employer. I have been working at this employer for over 6 years and was never XXXX the XXXX or XXXX plans that have been problematic for some students. My XXXX federal student loans are on the same level standard repayment plan as before and per MOHELA, MOHELA can see all my monthly payments have been made and that no changes need to be made on my plans to qualify for loan forgiveness and that my accounts are in good standing and good to go. 

However, XXXX can't move forward or take any action on discharging my loans until they get my last year of payments on record from MOHELA. My employer has signed my ECR through XXXX  which has been updated to show I am currently employed with them. 

I put my loans on Forbearance with MOHELA as I have now met the necessary payments and do not need to continue posting any more monthly payments, I have satisfied my requirements on these loans. 

Despite hours and multiple calls and complaints to MOHELA and talking to staff and supervisors, nothing has been done to send these payments to XXXX  or XXXX  to resolve this issue. This needs to be done immediately as my loans are waiting for discharge and can't be processed until MOHELA fulfills its obligation to send the records of my payments and submit these posted payment records from XX/XX/XXXX to XX/XX/XXXX to XXXX  and XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 INQUIRIES 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-10 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:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your 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 explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your 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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex, XXXX yr-relationship Problem start : Could not use card ( e.g., rental car denied ). Amex never forwarded latest credit card : My fault, their fault. 

Problem : Amex team claimed to reactivate card on XX/XX/XXXX. They did not. Amex team said I could get a new card within 24-hours, then 36 hours. They failed to honor their word. They failed to send emergency card and not even in a timely manner ( they further delayed card, eight days, pls see [ 4 ] below ). 

1 ) Pranked with why card was canceled ( " oh, it was due to a refund we gave you, '' XXXX, Fraud, XX/XX/XXXX, approximately XXXX EST ). 
2 ) Staff hung up numerous times, XX/XX/XXXX. I was told it's impossible to reactive card XXXX. XXXX in XXXX said he had reactivated this card : I still could not use it. 
3 ) Staff pettily kept me on the line double the time and didn't issue new card ( replacement for XXXX ). Again, two Amex staff said I could have new card within XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX to XXXX, XXXX, ID XXXX, promised to forward it within 48 hours, no later than XX/XX/XXXX. Again, he did not. 
XXXX ) XXXX in Arizona, Acct XXXX, XX/XX/XXXX, said new card would take 4 days to arrive, and on XX/XX/XXXX. Further delaying plans. XXXX said she reactivated the old, existing card : XXXX ( not sure if she did )? 

Summary : Disrespectful behavior ( hang ups, snide comments, misinformation, wasting customer time ), three card delivery promises errantly or falsely made with the end result being no emergency card, and a series of odd internal Amex notes. 

Thank you for all you do! 
Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 2025-07-10 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OH

Complaint narrative:
To : [ XXXX  XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX RE : Dispute of Inaccurate Late Payments Request for Correction Under Federal Law Accounts in Question : [ List All Affected Account Names and Numbers ] To Whom It May Concern : I am writing to formally dispute the reporting of late payments on the above-referenced account ( s ). After reviewing my credit report, I noticed multiple entries showing missed or late payments which are either inaccurate, misleading, or unverifiable. 

XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Term : 76 months ( 6 years ) Monthly Payment : {$570.00} Highest Balance : {$21000.00} Disputed Late Payments XXXX : XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are legally obligated to provide only accurate information to the consumer reporting agencies. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

I am asserting that : 1. Payments were made on time, or 2. The reporting lacks sufficient verification or documentation, or 3. The payment delays may have been due to circumstances protected under the Fair Credit Reporting Act or Truth in Lending Act, including potential grace periods under 15 U.S. Code 1666b.

I hereby request : Immediate reinvestigation and correction of all inaccurately reported late payments.

That the payment history be updated to reflect Paid on Time or Never Late.

Documentation verifying the accuracy of each reported late payment, including billing statements, original agreements, and internal payment logs.

If these entries are found to be unverifiable or inaccurate, they must be corrected or removed in compliance with 15 U.S. Code 1681i.

Additionally, if the reporting was due to fraud or identity misuse ( as protected under 15 U.S. Code 1681c-2 [ FCRA 605B ] ), such information must be blocked from my credit file upon written request and supporting documentation.

This letter also serves as a formal Notice of Dispute and a Reservation of Rights under UCC 1-308, without prejudice.

Please respond to this dispute in writing within 30 days as required by law. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office, and I may pursue further legal remedies including damages under 15 U.S. Code 1681n & 1681o. 


Respectfully XXXX XXXX UCC-1-308 Without Prejudice

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 2025-07-10 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: OH

Complaint narrative:
To : [ XXXX  XXXX Experian XXXX XXXX  XXXX XXXX XXXX RE : Dispute of Inaccurate Late Payments Request for Correction Under Federal Law Accounts in Question : [ List All Affected Account Names and Numbers ] To Whom It May Concern : I am writing to formally dispute the reporting of late payments on the above-referenced account ( s ). After reviewing my credit report, I noticed multiple entries showing missed or late payments which are either inaccurate, misleading, or unverifiable. 

XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account Term : 76 months ( 6 years ) Monthly Payment : {$570.00} Highest Balance : {$21000.00} Disputed Late Payments XXXX : XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX Under XXXX XXXX Code 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are legally obligated to provide only accurate information to the consumer reporting agencies. Additionally, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

I am asserting that : 1. Payments were made on time, or 2. The reporting lacks sufficient verification or documentation, or 3. The payment delays may have been due to circumstances protected under the Fair Credit Reporting Act or Truth in Lending Act, including potential grace periods under 15 U.S. Code 1666b.

I hereby request : Immediate reinvestigation and correction of all inaccurately reported late payments.

That the payment history be updated to reflect Paid on Time or Never Late.

Documentation verifying the accuracy of each reported late payment, including billing statements, original agreements, and internal payment logs.

If these entries are found to be unverifiable or inaccurate, they must be corrected or removed in compliance with 15 U.S. Code 1681i.

Additionally, if the reporting was due to fraud or identity misuse ( as protected under 15 U.S. Code 1681c-2 [ FCRA 605B ] ), such information must be blocked from my credit file upon written request and supporting documentation.

This letter also serves as a formal Notice of Dispute and a Reservation of Rights under UCC 1-308, without prejudice.

Please respond to this dispute in writing within 30 days as required by law. Failure to comply may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state Attorney Generals office, and I may pursue further legal remedies including damages under 15 U.S. Code 1681n & 1681o.

Respectfully XXXX XXXX UCC-1-308 Without Prejudice

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