vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
My loan balances across all of my federal student loans, serviced by Mohela, began increasing suddenly this Spring. My student loans are in good standing. My student loans are under an administrative forbearance since I am on the SAVE plan and have attempted to move to other Income Driven Repayment methods. My interest rate was set to 0 %. It has been 0 % for years at this point and is still today, is at 0 %. My total loan amounts went from approximately XXXX to XXXX between XX/XX/year> and XX/XX/year>. I started receiving credit reports that I was using more of my credit, which I how I learned of the sudden, and unexplained balance. I called Mohela on XX/XX/XXXX. I was told that the accounting department needed to look into this and that I would receive resolution within XXXX business days. I did not receive an answer within this time so I called back on XX/XX/XXXX. I was told that no one was available and that I needed to be called back. They called me back XXXX  days later. During the call back, I was informed that they ( Mohela accounting ) were still investigating where the discrepancies came from. I then requested a full amortization history, by loan, by month, from the time period since Mohela has controlled the loans. This information is not available on the Mohela website. Instead, I was sent my payment information. I am once again trying to call Mohela. I have been on hold for XXXX hours and XXXX minutes now. No one has answered. I will continue to wait. However, I believe some kind of fraud is happening. It's bad enough that I have been put in payment purgatory because I am a public servant ( PSLF ) on the SAVE plan, but the loan servicer seems to be taking advantage of the fact that us borrowers have no real insight into what is happening with our money. I fear there is fraud happening behind the scenes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am being denied my rental application based on my " RentScore '' by TransUnion. I believe that their score is a misrepresentation of my actual score.

I have 3 inquiries ( 1 being disputed ) and 2 from 2023. Transuion should not be selecting " too many inquires '' for JUST 2 inquiries from 2023. " Too many '' implies more than a few.

High non mortgage payments- my student loans which are being paid on time and are under the SAVE program should not be a consideration, considering the amount is {$40.00} or less at times that I pay a month.

Also, insufficient payment activity - my current rent does not get reported to the credit bureaus. It is not fair to say there is not enough payments just because I have my cars and student loans on the report. XXXX is not required to be reported to the credit bureaus. I have been paying my rent for nearly 2 years and have remained on time. 

These misrepresentations are preventing me from finding a place to live. Transunion needs to adjust and fix this.

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 2025-05-29 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: RI

Complaint narrative:
THESE ACCOUNTS WERE FOUND ON MY CREDIT REPORT AND THEY CAUSE OF FRAUD/IDENTITY THEFT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AE

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within XXXX  days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One Closed by credit card and is keeping {$600.00} of my credit balance refund XXXX on the account. They told me they would send it in XXXX XXXX billing cycles and now it has been over XXXX  months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
Experian credit company is reporting false information on my credit report ive ask them to remove this information several times within the last 6 months on different occasions and they simply tell me lies and cant verify any accounts such as student loans, or collections and they leave this information on my report which has cause me financial hardship.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within XXXX  days : 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 XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$86.00}

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi there, I XXXX have chosen the wrong multiple choice options! I apologize in advance for that. Here 's what has happened : I disputed a {$220.00} charge on my Capital One Visa card for a pair of shoes from XXXX. I returned the shoes immediately after trying them on indoors and requested an exchange due to incorrect sizing. XXXX refused to process the return because of minor lint and pet hair from trying them on in a pet-friendly home. The shoes were never worn outside, and I followed all return instructions in good faith. 

XXXX has kept both the item and my money. I never received a refund or a usable product. They listed the shoes for resale without my consent - meaning I would be charged around {$25.00} a month if they weren't sold and only offered {$15.00} in store credit-despite still holding the product. 

I provided all this information to Capital One, including email documentation showing that XXXX acknowledged my good faith but still denied the return. Capital One denied the claim twice, stating the merchant 's response was sufficient. 

XXXX requesting a full reversal of the charge or further investigation, as this is an unfair outcome that leaves me without the product or my money. This has been ongoing for months now. 

By the way, I have emails to show you but they I'm not able to attach multiple files- is there another way I can send these over?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to dispute and demand the immediate deletion and permanent blocking of two inaccurate and unlawfully reported bankruptcy entries in my consumer file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, 1681c, 1681i, and 1681s-2.

________________________________________ ITEM 1 : Dismissed XXXX XXXX XXXX reference number XXXX XXXX XXXX XXXX XXXX  reported under my file was dismissed, meaning no order for relief or adjudication was entered both of which are required for legal reporting under 15 U.S. Code 1681c ( a ) ( 1 ). Reporting this dismissed case violates the FCRA, as dismissed bankruptcies carry no legal effect and are not adjudicated. I have already had this inaccurate item successfully removed from my LexisNexis file, but I am requesting written confirmation that it will not be reinserted or refurnished under any circumstance.

________________________________________ ITEM 2 : Reinserted XXXX XXXX XXXX  Improper Handling and Identity Theft Concerns reference number XXXX This dispute also concerns Chapter XXXX bankruptcy that was discharged but disputed and removed in XXXX following an identity theft claim and failure to verify the record. This item was subsequently reinserted in XXXX  without the legally required notice, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which states : " If any information is deleted from a consumer 's file [ ... ] and is reinserted, the consumer reporting agency shall promptly notify the consumer [ ... ] and shall provide the consumer with a notice that the information has been reinserted. '' No such notice was ever received, and I only discovered the reappearance of the record during a routine credit check. 
My question to your compliance team is simple : How can a discharged XXXX XXXX XXXX  that was deemed unverifiable due to identity theft in XXXX suddenly be verifiable in XXXX without new documentation, investigation, or notification? 
This raises serious concerns regarding : The accuracy and completeness of LexisNexiss reinvestigation practices.

The source of the reinserted information. 
Whether my file has been associated with inaccurate or fraudulent data due to identity theft or database contamination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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:
What happened : I am filing this complaint against TransUnion due to persistent and egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ), 1681i ( a ), and 1681i ( a ) ( 5 ). TransUnion continues to report inaccurate and damaging information on my credit report, even after Equifax has already deleted the same accounts for being unverifiable or inaccurate.

TransUnion is reporting the following four closed accounts with multiple missed payments, including late payments dated after the accounts were closed, which is factually and legally incorrect : XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX missed payments reported XXXX. XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX missed payments reported XXXX. XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX missed payments reported XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX missed payments reported These accounts are being reported as " Closed '' while still reflecting derogatory payment history entries that are either fabricated, unverifiable, or simply illegal to report after closure. This is a textbook violation of : 1681e ( b ) TransUnion has failed to maintain accurate and current information.

1681i ( a ) No reasonable reinvestigation was conducted, despite prior disputes.

1681i ( a ) ( 5 ) TransUnion has refused to delete unverifiable information, even after another bureau ( Equifax ) already did. 


I have attached screenshots from XXXX XXXX showing : That Equifax has removed all four accounts XXXX XXXX XXXX  XXXX and XXXX XXXXXXXX XXXX 

That TransUnion continues reporting them with exaggerated derogatory marks. 
These screenshots clearly demonstrate the inconsistency between credit bureaus, the lack of validation from the data furnishers, and the ongoing harm to my credit profile.

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 2025-05-29 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They identify they had the wrong information and all they did was update their information on my personal info instead of green. They had the wrong info and removing it. They changed the date to make it last even longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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