vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TX

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 identity 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 XXXX 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 XXXX 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting this formal complaint against Equifax for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXXwas previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Equifax has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship.

Equifaxs actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XX/XX/year>, which is attached and serves as legal notice of Equifaxs violation and my demand for immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX I contacted Mohela and made an internal complaint regarding public service loan forgiveness program. All but three loans were updated as paid in full and discharge and three loans are continuing to report as open, and those three loans are on my credit report under the old account number as told by one of the Mohela representatives. On that day, I was told it would take 5 to 14 business days for the information to be updated and submitted to the credit bureaus and the case was escalated. The case number is XXXX and the review number is XXXX. I checked my credit report a month later and the information was not updated. Therefore, I called on XX/XX/XXXX and spoke to XXXX XXXX, who is a female and she advised me that she will input another expedited request and it should take only a day. If not, it will take another XXXX to XXXX business days for the information to be corrected and submitted to the credit bureau. She also advise. She will contact me directly to let me know the information was updated. I never received a call or a message from her. I checked my credit report again early XXXX the information was not corrected for the three loans that continue to show that theyre open when they were supposed to be discharged under the public service loan forgiveness program. I called on XX/XX/XXXX to advise the loans were still reporting as open and the representative advise me third-party credit apps will show incorrect information and to check XXXX XXXXXXXX. I checked that website and confirmed with a company who ran my credit early XXXX that the three student loans in question still are showing open under the old account number, but they should be listed as paid in full and discharged under the student loan forgiveness program. All of my student loans were discharged under the student loan forgiveness program back in XX/XX/XXXX. All but three were updated on my credit report to show paid in full discharge and for some unknown reason three loans are reporting under the old account number still showing that theyre open. This information needs to be updated by Mohela as soon as possible. It seems like whenever I call to let them know about the continuous and correct information, theyre either not taking my word for it or not making sure the correct information is submitted to the credit bureaus. One representative also told me that I would need to dispute the three Mohela accounts that are showing as open through the credit bureaus in order to correct the information but I should not have to go that route when they input the incorrect information.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I sent a complaint on XXXX XX/XX/year> stating that my mortgage was sold to another division inside United Wholesale Mortgage ( UWM ). I have yet to hear from the company on my complaint. Now when I logged in today my mortgage has gone from {$1800.00} to {$3000.00}, because the company refuses to fix my account where I can pay and I am accruing interest. When I talked with the company back on the XXXX and XXXX of XX/XX/year>. I was told that my next loan payment was not due until XX/XX/year>. I was also told that since the company was having difficulties with their system that I would not be charged any interest during that time. I have 11 days until my next payment is due and they have yet to fix their website. It seems to me that this is all a ploy to punish me for paying ahead and trying to keep my interest down. I fully plan on making another complaint to the military and have this company barred from doing any business with military personnel. It is a shame that companies like this take advantage of military and I assume other people by having shady practices. I hope that this company is not allowed to do business and is shut down completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/year> Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX * * Re : Dispute of Reported Account Request for Validation * * To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the information being reported on my XXXX  credit file regarding the following account : * XXXX XXXX XXXX * Account Number- XXXX Pursuant to the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i * *, I am requesting that XXXX  conduct a reasonable reinvestigation of this account. I have reason to believe that the information reported may be inaccurate, incomplete, or unverifiable. 
Specifically, I request that XXXX  obtain from XXXX XXXX XXXX the following documentation to validate this account : 1. A complete copy of the original contract or agreement bearing my signature. 
XXXX. A full account-level history including all charges, payments, interest, and fees. 
XXXX. Documentation establishing XXXX XXXX XXXX ownership or legal right to collect on this account. 
XXXX. Any records demonstrating that the account is being reported accurately, in compliance with the FCRA. 
If Equifax is unable to obtain proper validation from XXXX XXXX XXXX, you are required under * * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * to delete this account from my credit file and provide me with written confirmation of the results of your reinvestigation. 
Please also provide me with the name, address, and telephone number of each furnisher of information that you contacted regarding this dispute, as required by * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *.

I request that you complete this reinvestigation within the 30-day period allowed by law and provide me with written notice of your findings. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XX/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
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson capital told me in order to have the debt removed from the credit bureau I first had to pay the almost XXXX for their credit repair services. It would take XXXX days. They informed me they found XXXX other accounts they would dispute for another XXXX a month in addition Id pay XXXX a month for credit monitoring. I am in the middle of buying a home and needed only a deletion letter and XXXX XXXX  XXXX removed as Id paid this bill already and I dont have XXXX days to wait. The representative assured me if I paid her for the services she could expedite removal within XXXX hours. So I paid her and this did not happen. This is predatory and needs to be removed from my reports..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
XXXX, Equifax, XXXX  and XXXX XXXX XXXX XXXX continue to report false and inaccurate information to my credit report without correcting it according to court ordered agreement. My attempts have been ignored by all parties. The credit bureaus continue to update inaccurately despite me reaching out to them with proof. 

This account was settled through attorneys and the courts. The amount being reported on my credit report is incorrect. The balance has been lowered to {$10000.00}. It was also agreed that I start paying this balance monthly starting XX/XX/year> in the amount of {$300.00} each month until the balance is XXXX. 

XXXX XXXX XXXX XXXX attorney " XXXX XXXX XXXX '' receives payment on time every month and has reported it to XXXX XXXX XXXX XXXX as PAID. 
reporting over {$17000.00} with delinquent payments despite me paying every month. 

This inaccuracy is causing damage to my credit, unlawful reporting, inaccurate reporting and mental health issues, stress, anxiety and denial in credit. This is also against FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
Experian, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX continue to report false and inaccurate information to my credit report without correcting it according to court ordered agreement. My attempts have been ignored by all parties. The credit bureaus continue to update inaccurately despite me reaching out to them with proof. 

This account was settled through attorneys and the courts. The amount being reported on my credit report is incorrect. The balance has been lowered to {$10000.00}. It was also agreed that I start paying this balance monthly starting XX/XX/year> in the amount of {$300.00} each month until the balance is XXXX. 

XXXX XXXX XXXX XXXX attorney " XXXX XXXX XXXX '' receives payment on time every month and has reported it to XXXX XXXX XXXX XXXX as PAID. 
reporting over {$17000.00} with delinquent payments despite me paying every month. 

This inaccuracy is causing damage to my credit, unlawful reporting, inaccurate reporting and mental health issues, stress, XXXX and denial in credit. This is also against FCRA regulations.

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I attempted to register with XXXX using my email address XXXX. I also unenrolled my phone number ( XXXX ) from another bank to ensure it was free to be registered with your institution. However, when I attempted enrollment, I received the same recurring error message : We apologize for the inconvenience. Please try again later. 

This is the same message I have been receiving consistently for the last two years. 

Based on my conversations with several of your customer service agents, it appears that the issue can not be resolved at the regular support level because the block is tied to my XXXX token. I strongly believe this matter needs to be escalated to your Fraud Department, as only they can verify and remove the block that is preventing my registration. 

At this time : My email address ( XXXX ) is not registered with XXXX. 
My phone number ( XXXX ) is not registered with XXXX. 
The continued registration error indicates that a block remains in place on the XXXX token. 

For your review, I have attached a screenshot of the error message I continue to receive. 

I respectfully request that this matter be escalated to your Fraud Department for immediate review and resolution so that I may successfully enroll with XXXX through your institution. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing to formally dispute certain information that appears on my credit report. I have reviewed my credit report and found discrepancies related to the late payment statuses of the following accounts. After carefully reviewing my records and payment history, I believe the reported late payments are inaccurate, and I respectfully request that these entries be investigated and corrected.Late Open : 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 2025-08-22 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: MD

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : 1. XXXX  Date of inquiry : XX/XX/year> 2. XXXX  Date of inquiry : XX/XX/year> 3. XXXX  Date of inquiry : XX/XX/year> 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX XXXX Account Number : XXXX 8. XXXX XXXX XXXX  Account Number : XXXX 9. XXXX XXXX XXXX XXXX  XXXX  Account Number : XXXX 10. XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I have been a Victim of Identity theft in the past and my file being mixed with someone else Experian Fixed it but now there is a XXXX XXXX XXXX XXXXXXXX XXXX  Account on my credit report along with other accounts on my credit report that are Fraudulent. XXXX XXXX XXXX XXXX Ma Acct # XXXX, XXXX XXXX XXXX Acct # 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