vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

I request that these accounts be completely removed from my credit report. Please take immediate action to delete it.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/XXXX I imitated a balance transfer in the amount of {$2500.00} ( promotional rate XXXX ) from BOA Credit Card to XXXX XXXX XXXX XXXX On XX/XX/XXXX I realized XXXX  was not paid and I had a balance with BOA Credit Card in the amount of {$2500.00}. I contacted BOA and thru multiple conversations it was discovered that I had entered and incorrect XXXX XXXX XXXX XXXX  ( the correct XXXX XXXX XXXX XXXX, I entered XXXX ). BOA started their research, received a letter on XXXX which stated that there was no error on their end and could not guarantee recovery of any funds. XX/XX/XXXX I called BOA again requesting a copy of the check mail to XXXX  ( case # XXXX ). The BOA employee assigned the case to the XXXX team. The employee also stated the check went to the wrong place and it was posted at XXXX. XX/XX/XXXX - I contacted BOA again as I have not received a copy of the check, I am paying XXXX credit cards ( BOA and XXXX  ), there has been no resolution. The BOA employee said correspondence was mailed out on XX/XX/XXXX and there was nothing else she could provide me. I told the employee I had not received the correspondence, asked if I could speak to someone else. Employee stated no, there was nothing else which could be done. I had to wait for the correspondence,

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 2025-05-30 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: CO

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 explanation
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Wildhorse Financial Services, LLC
State: PA

Complaint narrative:
I was exploring options to refinance my existing car loan through Gravity Lending. They advertised that a " soft '' credit check would be used in gathering information prior to making an offer. However, it is actually a hard credit check that is now showing on my credit report. This is a predatory practice to trick potential lenders into thinking this is a safe way to explore refinancing options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
I applied for the public forgiveness student loan. And received information in XX/XX/XXXX that my loans had been forgiven as of XX/XX/XXXX. My loans were consolidated and mohela still has me owing {$62000.00} for student loans. I'm not able to speak with anybody to get this verified. At one point the debit was not on my credit report and now it is on my credit report. I need to know the status of loan forgiveness. The websites are so confusing. The federal student aid website says that the loans are forgiven. However, mohela still lists them as unforgiven and they are requesting payment. 
Please This is me on the status of my student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-30 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: TX

Complaint narrative:
I am deeply concerned that several unauthorized entities have accessed my credit report without my explicit consent, leading to a decline in both my credit rating and financial reputation. Although I previously contacted the credit reporting agency and was assured that these inquiries would be removed, they continue to persist. The presence of these potentially fraudulent inquiries raises serious concerns about identity theft and has caused considerable emotional and financial distress.

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 2025-05-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This is a debt for apartment community XXXX XXXX in XXXX Ga. I had an agreement with the property to terminate the lease as of XX/XX/year>. I went through the steps of submitting a written 60 notice to the apartments as well as to my housing advisor with XXXX XXXX. I vacated at that time. The utilities are through XXXX. They sent bills for XXXX XXXX. I contacted first and they responded that have me vacated on XX/XX/year> and my account closed. XXXX XXXX reactivated the water account in XX/XX/year> as if I moved back in. I contacted XXXX who created a case but were never able to speak to XXXX because they will not answer phones. I didnt hear any else until XX/XX/year> when I received a bill from conservice. This time its for rent from XX/XX/year> and water service for months that I had moved already. It now with National Credit system, who when I contacted the rep XXXX put me on hold 4x only to provide no details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 2025-05-30 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-30 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: FL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against MOHELA regarding their mishandling of my federal student loan following its transfer from XXXX XXXX. While serviced by XXXX, I had received confirmation that I qualified for Public Service Loan Forgiveness ( PSLF ), and my payments were tracking toward forgiveness. 

After the transfer to MOHELA, they failed to honor my PSLF status and qualifying payment history. They have also applied my payments solely toward interest and capitalized interest amounts unfairly. This has resulted in a financial burden and appears to violate federal loan servicing standards. 

I am requesting that the CFPB investigate this mishandling and take action to ensure that : - My PSLF approval is reinstated - My qualifying payments are restored - MOHELA corrects any improperly capitalized interest I am attaching evidence including payment records. I am unable to obtain the original copy of my PSLF approval from XXXX XXXX as they have shut down the portal access. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible 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 explanation
Consumer complaint received 2025-05-30 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: VA

Complaint narrative:
I am seeking Public Service Loan Forgiveness ( PSLF ), which requires XXXX  years of public service employment and the payment of XXXX qualifying payments. I have been employed in a qualifying state government position for over 10 years and have made XXXX qualifying payments. Despite having completed all necessary requirements to receive forgiveness, XXXX and MOHELA have continually failed to update my payment history and my payment count remains at XXXX. My payment history is missing qualifying payments from XXXX XXXX XXXX XXXX XXXX I have made countless calls to both FSA and MOHELA, but to no avail. No one at either XXXX nor MOHELA can provide me with any reason as to why my payment data has not updated and continually point the finger at one another. As a result, I am having to continue making monthly payments and the overall balance of my loans continues to rise. I have met my end of the PSLF bargain and expect them to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My XXXX XXXX XXXX XXXX account shows a balance of {$2100.00} with XXXX potentially negative months and a 100 % credit usage, despite having closed the card and paid it off in XXXX. After closing, the card was fraudulently reactivated when a car dealership charged it for {$2000.00} for car repairs on a vehicle not even in my namethe car was never fixed and the funds were retained. Instead of deleting or properly closing the account as required under federal guidelines ( after 7 years ), XXXX XXXX has illegally updated my record to show payment activity between XXXX and XXXX. This erroneous reporting has caused significant damage to my credit score and reputation.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My XXXX XXXX XXXX XXXX account shows a balance of {$2100.00} with XXXX potentially negative months and a 100 % credit usage, despite having closed the card and paid it off in XXXX. After closing, the card was fraudulently reactivated when a car dealership charged it for {$2000.00} for car repairs on a vehicle not even in my namethe car was never fixed and the funds were retained. Instead of deleting or properly closing the account as required under federal guidelines ( after 7 years ), XXXX XXXX has illegally updated my record to show payment activity between XXXX and XXXX. This erroneous reporting has caused significant damage to my credit score and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: VA

Complaint narrative:
My identity was stolen a few years ago, and as a result, an unauthorized XXXX XXXX account was fraudulently opened in my name. I recently discovered this account while reviewing my credit report. According to the information available, the account was opened on XX/XX/year>, and the outstanding balance is listed as {$3600.00}. 

I have never opened an account with XXXX, nor have I authorized anyone to do so on my behalf. Upon discovering the account, I immediately contacted XXXX and requested documentation validating the debt, including a copy of the signed application or any other supporting documents. However, no documentation or signature was provided to substantiate the account 's legitimacy. 

This account is fraudulent, and I have taken steps to report the identity theft, including initiating a dispute with the credit reporting agencies. I am formally requesting that XXXX investigate this matter, remove the account from my credit file, and confirm that I am not responsible for any charges associated with this account.

Company response to consumer: Closed with explanation