vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have reached out to XXXX XXXX XXXX  Equifax, Experian and Transunion on this matter. I have sent dispute letters and spoke with representatives, upon investigation. I was not sent an investigation process on how the investigated. The investigation is hurting my credit profile, they are updating wrong information on my profile, and the problem is still not resolve. The credit bureaus reporting inaccuracies on a charged off account. They are reporting a charged off as still being open. The accounts are paid off. Transunion is reporting derogatoy and experian is reporting paid off. Date of last payment is incorrect, last account active incorrect, high credit limit incorrect, date open incorrect. One loan is divided into 2 charged off accounts. I have been a XXXX XXXXXXXX XXXX customer since XXXX, this not not how you treat a long time customer reporting inaccurate information which affecting my credit.

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 2025-06-11 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:
I was approved for XXXX consecutive forbearance periods ( XXXX days each ) by XXXX XXXX due to hurricane disaster relief. My mortgage is federally backed ( XXXX XXXX , making it subject to federal forbearance protections under the XXXX XXXX and CFPB guidelines. 
Before the second forbearance concluded, XXXXXXXX XXXX transferred servicing of my loan to XXXX XXXX. I communicated with the new servicer promptly, informing them that I was under forbearance and ready to resume or restructure payments. 
Despite my good faith efforts, the new servicer reported me as over XXXX  days late, which is categorically false and unlawful while under forbearance. They ignored my outreach and submitted a derogatory credit entry. 
This has materially damaged my credit. I am requesting immediate removal of the negative credit entry, restoration of accurate reporting, and regulatory intervention if necessary.

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 2025-06-11 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:
I was approved for XXXX consecutive forbearance periods ( XXXX days each ) by XXXXXXXX XXXX due to hurricane disaster relief. My mortgage is federally backed ( XXXX XXXX , making it subject to federal forbearance protections under the XXXX XXXX and CFPB guidelines. 
Before the second forbearance concluded, XXXX XXXX transferred servicing of my loan to XXXX XXXX. I communicated with the new servicer promptly, informing them that I was under forbearance and ready to resume or restructure payments. 
Despite my good faith efforts, the new servicer reported me as over XXXX days late, which is categorically false and unlawful while under forbearance. They ignored my outreach and submitted a derogatory credit entry. 
This has materially damaged my credit. I am requesting immediate removal of the negative credit entry, restoration of accurate reporting, and regulatory intervention if necessary.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was approved for XXXX consecutive forbearance periods ( XXXX  days each ) by XXXX XXXX due to hurricane disaster relief. My mortgage is federally backed ( XXXX XXXX , making it subject to federal forbearance protections under the XXXX XXXX and CFPB guidelines. 
Before the second forbearance concluded, XXXX XXXX transferred servicing of my loan to XXXX XXXX. I communicated with the new servicer promptly, informing them that I was under forbearance and ready to resume or restructure payments. 
Despite my good faith efforts, the new servicer reported me as over XXXX  days late, which is categorically false and unlawful while under forbearance. They ignored my outreach and submitted a derogatory credit entry. 
This has materially damaged my credit. I am requesting immediate removal of the negative credit entry, restoration of accurate reporting, and regulatory intervention if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-11 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS 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 2025-06-11 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX  XXXX XXXX * * * * Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX * * * * Balance : {$53.00} ; XXXX  ( Original Creditor : 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. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-11 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-11 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: MI

Complaint narrative:
I was a victim of identity theft. Some of the accounts were removed but not all. I am now ready to file a lawsuit if nothing is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
I was a victim of identity theft. Some of the accounts were removed but not all. I am now ready to file a lawsuit if nothing is done.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have a Capital One XXXX card with a balance of {$3100.00} at 28.24 % APR, and a balance of {$2100.00} with a promotional 0 % APR through XX/XX/year>. Making my total balance {$5100.00} according to my XXXX statement. 

The statement also noted that {$120.00} is the Minimum Payment Due, and {$3200.00} is the Interest Saver Payment. 

The issue came because I made the Interest Saver Payment of {$3200.00}. Which according to the second page, right second paragraph titled " How do you Apply My Payment? '' states " We generally apply payment up to your Miminum Payment first to the balance with the lowest APR ( including 0 % APR ) ( in this case it would be {$120.00} towards the {$2100.00} balance ), and then to balances with higher APR 's ( in this case the balance of {$3100.00} at 28.24 % APR ), and then to balances with lower APR 's. Which means that the payment of {$3200.00} that I made should have been applied as follows : 1- Minimum payment of {$120.00} towards {$2100.00} 0 % APR balance bringing it down to {$1900.00} 2- This would leave {$3100.00} left of my payment to be applied, highest APR balance of {$3100.00} clearing out completely 3- This would then leave a balance of {$14.00} left of my payment to be applied, which then could go towards the 0 % APR balance bringing it down to {$1900.00}. 

Which means there is no interest to charge after that. 

When I called today to inquire how my payment was allocated that would cause an interest charge of {$42.00} and of course to see my XXXX statement. I was told they can't see that because the statement is not available. 

I get charged interest but can't see the statement? when I explained the math according to their XXXX statement I was told they can't see anything themselves either because the statement is unavailable but that the interest seems right because I have a balance that is not part of the promotional 0 % APR. 

After the song and dance and getting nowhere we hang up and then I also noticed miles I earned are gone. Retaliation? I don't know but it feels like Capital One says one thing and does something different and customer service has been trained to give us the run around and not really answer questions nor really get too involved. 

I have attached my XXXX statement and a picture showing the interest charged on XX/XX/year>XXXX  and my miles balance today. Which compared to my XXXX statement where it shows I do have miles, you will see this too is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: T.S. Holdings
State: TX

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the rental agreement and documents from the original creditor to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
I've recently received a copy of my report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my life and credit health.

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 2025-06-11 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:
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, 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 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 2025-06-11 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: NY

Complaint narrative:
MOHELA is my student loan servicer. MOHELA issued a refund in the amount of {$3600.00} for my account on XX/XX/year>. I was informed that it may take 60-120 business days for the refund to arrive by check. I started calling MOHELA because I was concerned that the refund might be missing or someone might take the check from our mailbox because we do have problem with missing mails at our address. I have spoken to few representatives and one supervisor from MOHELA in total of 4 times. I have called them once a month since XXXX. The only answer they can provide is that MOHELA has approved the refund and the refund are issued by the U.S. Department of the Treasury. The refund should be in the from of paper check via mail. MOHELA does not know if or when the refund actually send from the Department of the Treasury. It has been about 7 months now that I have been waiting and I don't know what else can I do to find out about the refund status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
Im writing to dispute inaccurate information being reported on my credit report related to the XXXX XXXX XXXXXXXX credit card account. Specifically, both XXXX and Experian are reporting a 30day late payment for XXXXXXXX XXXX while XXXX reports the same account as current with no delinquency for that month. 

This conflicting reporting across credit bureaus indicates the data is either factually incorrect or unverifiable, and therefore violates the Fair Credit Reporting Act ( FCRA ).

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 2025-06-11 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within XXXX business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-06-11 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. 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 FL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$8800.00}

Company response to consumer: Closed with non-monetary relief