vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple charge-off accounts, collections, and inquiries on my credit report that appear inaccurate or unverifiable. Upon reviewing my credit file, I noticed the following charge-off 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 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  Additionally, I am disputing the following inquiries on my report that I did not authorize or that appear inaccurate 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I am entitled to full disclosure of all information in my credit file, including the sources and methods used for reporting. Additionally, under 611, I have the right to dispute any information I believe to be incomplete, inaccurate, or unverifiable, and the credit bureau is required to conduct a reasonable reinvestigation within 30 days.

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 2025-09-23 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: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-09-23 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: NJ

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. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal 12 XXXX XXXX FL XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX SOTEROLUGO - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

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 2025-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: MO

Complaint narrative:
I have received little to no communication since my loan has been transferred Mohela and my interest rate has definitely increased since XX/XX/XXXX. 

I was in the repay SAVE IBR under the U.S. Department of Education. I spoke with a Department of Education representative fall of XXXX and was insured that my plan will remain the same. Unfortunately, I was placed on a forbearance and was told to wait for correspondence via email regarding repayment. I finally received a correspondence instructing me to complete a new income-driven repayment application before XX/XX/XXXX, after I completed an application prior to XX/XX/XXXX. Also, I am unable to access any letters/messages within the Mohela website. 


[ EMAIL ] MOHELA This email was sent by the organization that owns the logo shown. 
studentaid.gov XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOHELA - a Servicer of Federal Student Aid Get Faster IDR Approval with IRS Info Our records indicate you have an income-driven repayment ( IDR ) application that is pending processing. The U.S. Department of Education ( ED ) is encouraging borrowers who submitted an IDR application prior to XX/XX/XXXX to reapply online at StudentAid.gov to benefit from recent system updates for faster processing. 

Apply Faster with Federal Tax Information If you have eligible loans, applying for a new IDR plan is quick and easy if you provide consent for ED to obtain your federal tax information directly from the Internal Revenue Service ( IRS ). This allows ED to process your application faster and eliminates the time-consuming work of manually uploading your income information.

By providing consent for ED to access your federal tax information, ED can automatically recertify your IDR plan.

Apply for IDR Please Note : No action is necessary if you do not want to provide consent for ED to obtain your federal tax information directly from the IRS. Your IDR application will still be processed.

Need Help?

We're here to help! Reach out for support if you need help making your payment or understanding your options at mohela.studentaid.gov or XXXX ( XXXX XXXX ). 

Beware of Scams You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal student aid. Make sure you work only with the XXXX and its loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that XXXX sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX ( XXXX XXXX ) or by visiting reportfraud.ftc.gov.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 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 filing this dispute because false and unauthorized accounts are appearing on my credit report. I did not authorize, open, or approve these accounts, nor was I ever notified that they had been added. The fact that each bureau reports different and inconsistent information further proves their inaccuracy and violates the FCRA, 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum accuracy in all reporting.

This issue also falls under 15 U.S.C. 1681i, which mandates that disputed items must be investigated and corrected or removed within 30 days, as well as 15 U.S.C. 1681g, which entitles me to full and accurate disclosure of my file.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
To Whom It May Concern, Re : Request for Removal of Reported Late Payment XXXX XXXX Account # XXXX XX/XX/year>, ERROR PLEASE DELETE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX error please delete. I am writing regarding a late payment that has been reported on my XXXX XXXX XXXX account. I respectfully request that this late payment be removed from my credit report. This single late payment does not reflect my usual payment history, and I have otherwise maintained a positive relationship with XXXX XXXX XXXX. I value our relationship and am asking for a goodwill adjustment to remove this late payment as a courtesy. Additionally, I believe this reporting may violate provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 ( Section 602 ) : affirms my right to privacy in consumer reporting.

15 U.S.C. 1681b ( a ) ( 2 ) : states that a consumer reporting agency can not furnish my informationwithout my written instructions.

15 U.S.C. 1681b ( 2 ) : prohibits creditors from treating a payment on an open-end consumercredit plan as late for reporting purposes. 
Based on these protections, I request that the late payment entry associated with this account be removed from my credit file. 
I am confident this adjustment will accurately reflect my responsible payment history and continued commitment to maintaining a positive financial relationship. Please confirm in writing once the requested correction has been made. 
Thank you for your time, consideration, and 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Account dates closed different from one credit report to another they are reporting inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FlexShopper, Inc
State: MS

Complaint narrative:
On XX/XX/XXXX I made a payment arrangement to make XXXX payments of {$250.00} to FlexLending LLC. All payments were successful a total paid out by XX/XX/XXXX was {$1000.00}. The final payment was due on XX/XX/XXXX but there was a delay with my direct deposit. However I began reaching out by email to FlexLending starting on XX/XX/XXXX at XXXX, no response from the company. I sent several emails from XXXX to FlexLending support, also there was an email address provided on FlexLending website to contact FlexShopper for assistance with my account. I reached out to FlexShopper the week of XX/XX/XXXX and a representative stated they could not locate an account for me. I called FlexShopper again a couple of days later and a representative stated he found my account and I was told FlexLending was no longer in business but the representative stated that my account was being handled directly by his supervisor. I never heard anything back so I called FlexShopper again on XX/XX/XXXX and a representative sent me an email to log in and make a payment which the email directed me back to login into my FlexLending account. I made FlexShopper aware by email immediately no response. I recently filed a dispute to all credit consumers and filed a complaint with CFPB. Once CFPB notified the companies of my complaint, FlexLending updated the balance on my account to {$1400.00} and noted I paid {$750.00} which I actually paid {$1000.00}. On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX stating my account was sold to them for failure to pay in the amount of {$1100.00}. I continuously reached out to FlexLending, the phone number provided by them does not work. FlexLending failed to communicate and failed to honor my payment arrangement. The company did not properly notify me of my account changes and I am requesting a thorough investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
I am filing this complaint because the XXXX major credit bureaus have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) in relation to my ongoing disputes of inaccurate and unverifiable information on my credit file. 

Since XX/XX/year>, I have submitted multiple disputes, including my most recent on XX/XX/year>. Despite this, the bureaus continue to report inaccurate personal information and unverifiable accounts without providing valid documentation or the legally required method of verification. 

Inaccurate Personal Information Reported Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Employer : XXXXXXXX XXXX  Employer : XXXX Disputed Accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failures by the Credit Bureaus The credit bureaus have failed to provide : The method and procedures used in verifying the disputed items. 

The names and contact information of the furnishers. 

Any documentation relied upon during the verification process. 

These failures constitute violations of : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

Harm to Consumer These ongoing inaccuracies have harmed my credit profile and demonstrate willful or negligent noncompliance with the 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 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Inaccurate Information Reported by XXXX XXXX Dear TransUnion, I am writing to formally dispute certain information in my credit file as reported by XXXX XXXX. The details of the account ( s ) are listed below. I believe this information is inaccurate and request that it be corrected or removed under the Fair Credit Reporting Act ( FCRA ). 
I enclose copies of all relevant documents to support my position, including but not limited to [ list documents : e.g., billing statements, correspondence, proof of payment, etc. ]. I also include a copy of my credit report with the item in question circled/highlighted. 
Requested Action Please investigate this matter and remove or correct the inaccurate entry from my credit report. I request written confirmation of the results of your investigation, and a corrected copy of my credit report once the dispute is resolved. 
Thank you for your prompt attention to this dispute. 


Sincerely, 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 2025-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
I was offered a repayment program to catch up on my missed payments and was approved XX/XX/year> from Pennymac loan Service to prevent a foreclosure sheriff sale, they informed me that Fed ex will send a letter that I need to sign and notarize to start the payment plan and prevent foreclosure. Then on XX/XX/year> with just a little time before the XXXX  sale they confirm that I was denied and that an action will be held XXXX to sell my home, which will leave me and my family homeless with no family support or no place to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Received a notice in mail from XXXX XXXX stating debt is XXXX. Called to dispute they called non stop day and night. Asked for validation of debt. They couldn't provide why amount was higher than charges. They said it was fees. Explained I was on XXXX and explained that XXXX is not what was owed. Asked for The name and address of the original creditor A detailed itemizationof the alleged debt, including : a. Original balance b. Any interest, fees, or other charges c. Payments or credits applied A copy of the original credit agreement or contract Proof they had the legal right to collectthe debt ( i.e., chain of assignment or sale from the original creditor to you ) Proof of the last payment date, if applicable ( to confirm whether the debt is within the statute of limitations ) their license number, if required to collect debt in my state. I got no answer. 
Disputed the amount on credit report XXXX XXXX I was ignored. 
They filed a lawsuit in county court against me for 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 2025-09-23 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: EQUIFAX, INC.
State: OH

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Against Equifax Information Services LLC FCRA Violations Dear CFPB Representative, I am filing a formal complaint against Equifax Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ) in connection with my dispute regarding unauthorized and/or inaccurate credit inquiries.

I properly submitted a written dispute to Equifax regarding multiple inquiries that I did not authorize and that appear duplicated. Under FCRA 611 ( a ), Equifax was required to conduct a reasonable reinvestigation, and under FCRA 609 ( a ) ( 1 ), they were required to provide disclosure of the sources of information, including original documentation proving authorization.

Instead, Equifax merely responded that inquiries are a factual record of file access and will remain on the credit file for two years. They failed to provide : Any documentation showing I authorized these inquiries. 

The actual source of the disputed information. 

Proof that the inquiries were made with a permissible purpose under FCRA 604.

This response constitutes : Failure to conduct a reasonable reinvestigation ( 611 ).

Failure to disclose the sources of information ( 609 ).

Failure to delete unverifiable information ( 611 ( a ) ( 5 ) ( A ) ).

Requested Resolution : Immediate deletion of the unverifiable inquiries from my Equifax credit report.

Oversight and enforcement action to ensure Equifax complies with FCRA requirements. 

Written confirmation of the actions taken. 

I request the CFPB investigate this matter and take corrective action against Equifax for its noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not believe the information they are reporting to the credit bureau is valid. Account is being reported as open but it is not. They are also not the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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