vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
This is a formal request for investigation under FCRA 611 ( a ) and 607 ( b ). You are reporting inconsistent and incomplete data in violation of federal law and Metro 2 standards. 
Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed vs Open ; discrepant dates. 
XXXX. XXXX & XXXX XXXX Mixed status codes ; no verifiable activity. 
XXXX. XXXX XXXX XXXX XXXX Delinquency counts inconsistent ( XXXX vs XXXX ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Conflicting charge-off narratives. 
XXXX. XXXX XXXX XXXX XXXX payment recorded. 
XXXX. XXXX XXXX XXXX Disputed account omits required XB code. 
XXXX. XXXX XXXX XXXX Mixed positive/negative reporting across CRAs. 
XXXXegal Authority FCRA 607 ( b ) : Maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) : Reinvestigation and deletion.

Reg V 1022.42 : Duty to correct and update. 
XXXX v. TransUnion ( XXXX XXXX XXXX ) : Requires independent investigation.

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 2025-10-15 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: WY

Complaint narrative:
I received my report back from Experian in regards to the initial issue of the accounts reported on my credit report and dispute. However, they deleted the wrong accounts on my credit report and it significantly affected my credit score. The accounts are valid and are in good standing and were forgiven and put into paid status/closed on my credit report by the US department of Education . Experian deleted these accounts after I specified specifically they needed to be update only.

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 2025-10-15 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: ID

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: PA

Complaint narrative:
I am filing a complaint regarding MOHELA, who services my private student loans. 
Since repayment began, MOHELA has repeatedly refused to provide affordable or realistic repayment options, despite my ongoing financial hardship and serious medical circumstances ( including a XXXXXXXX XXXX and an upcoming XXXX XXXXXXXX ). 
I have reached out multiple times asking for affordable or income-based payment plans. Instead, MOHELA has : Sent misleading emails advertising affordable payment options, but then offered only plans that were well above my actual income. 
Told me their plans are step-up plans, meaning payments only increase over time, which is impossible for me given my financial and medical situation. 
Advised that if I am paying on one loan, that same loan becomes ineligible for any reduced-rate or hardship program, effectively punishing me for trying to stay current. 
When operating under XXXX they Failed to make clear that interest would capitalize during deferments or reduced-payment periods unpaid interest was added to my principal, drastically inflating the total amount owed without my informed consent. 
Ignored my documentation of medical hardship and limited income. 
Refused to recognize a legitimate financial hardship after my car was stolen and I had to incur major unexpected expenses related to this. Their representatives stated that insurance should cover everything and dismissed the hardship entirely. 

These practices have kept me trapped in debt and in poverty, despite my good-faith efforts to pay. The terms, capitalization practices, and payment options have been confusing and misleading, and MOHELAs representatives have been dismissive and unsympathetic to both medical and financial hardship. 

I have contacted MOHELA by phone and email many times and spoken to supervisors, but they have offered no meaningful assistance. My credit has been damaged, and my account balances have continued to rise because of unclear and unfair capitalization of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: NJ

Complaint narrative:
Name of Company : XXXX XXXX, XXXX Debt Originator : XXXX XXXX XXXX XXXX XXXX 

Account Number ( if known ) : Ending in XXXX Alleged balance : {$230.00} Summary of the Issue : I am filing a formal complaint against XXXX XXXX, XXXX for unlawful and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have disputed a debt they are attempting to collect on behalf of XXXX XXXX, XXXX and have formally requested validation under 15 U.S.C. 1692g ( a ). I have also demanded all supporting documentation including but not limited to : The original signed agreement or contract Itemized transactional ledger Proof of assignment from XXXX to XXXX  Proof of license to collect in New Jersey Evidence of proper debt validation notice ( required by law ) Any communications logs, call history, or data transmitted to credit bureaus Instead of providing the required documentation, the company responded with a summary of transactions without any legal proof of liability or ownership of the debt. No contract was provided. No chain of title. No legally sufficient validation. 

They are attempting to collect a debt without proof of ownership, in violation of 15 U.S.C. 1692g ( b ). They have not verified the debt, and yet continue to demand payment. 

I am requesting that the CFPB immediately investigate and demand that Firstsource : Cease all collection activity Remove any credit reporting if applicable Produce lawful documentation or delete the account entirely I also reserve the right to file civil claims for statutory damages under the FDCPA and FCRA. This behavior is predatory, illegal, and causes undue harm to consumers Requested Resolution : Cease all collection activity Provide full validation and legal documentation Remove any negative reporting to credit agencies Sanction or penalize the collector if noncompliant

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end

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 2025-10-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX AND EXPERIAN accounts 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 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 2025-10-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date : To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Erroneous Credit Reporting of Account : XXXX XXXX XXXX * * * * Dear Consumer Financial Protection Bureau XXXX XXXX. Introduction I, XXXX XXXX, hereby submit this formal complaint against the XXXX nationwide credit reporting agenciesEquifax, Experian, and XXXX failure to investigate and correct the inaccurate reporting of an account that does not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Factual Background The account in question appears on my consumer credit reports under the name XXXX - XXXX * *. 

According to the credit reporting data, the account was : Opened on XX/XX/XXXX Last payment recorded on XX/XX/XXXX Closed on XX/XX/XXXX Listed as Charged off as bad debt and marked as Derogatory The balance is listed as {$0.00}, with a high balance of {$35.00}, and the account type is noted as an Installment Sales Contract. 

I have no knowledge of this account and never authorized any such account or transaction. 

I submitted written disputes to each of the XXXX credit reporting agencies, requesting : A copy of the original signed application or documentation used to open the account. 

None of the credit reporting agencies provided any such documentation substantiating my alleged authorization or liability. 

XXXX. XXXX Grounds XXXX the FCRA, credit reporting agencies are required to : XXXX a reasonable investigation upon receiving a consumer dispute ( 1681i ( a ) ( 1 ) ) Remove or correct any information that is found to be inaccurate or unverifiable ( 1681i ( a ) ( 5 ) ) By failing to provide validation or remove the unverified account, the credit bureaus are in willful and/or negligent noncompliance with their statutory obligations under federal law. 

IV. Harm The continued reporting of this account as derogatory and charged off has caused and continues to cause me harm, including : Negative impact on my credit score Impairment of my ability to obtain credit Emotional distress and undue burden in addressing an account I do not recognize or owe. XXXX I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct to the best of my knowledge. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Date : To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Erroneous Credit Reporting of Account : XXXX XXXX XXXX * * * * Dear Consumer Financial Protection Bureau XXXX XXXX. Introduction I, XXXX XXXX, hereby submit this formal complaint against the XXXX nationwide credit reporting agenciesEquifax, Experian, and XXXX failure to investigate and correct the inaccurate reporting of an account that does not belong to me, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

XXXX. Factual Background The account in question appears on my consumer credit reports under the name XXXX - XXXX * *. 

According to the credit reporting data, the account was : Opened on XX/XX/XXXX Last payment recorded on XX/XX/XXXX Closed on XX/XX/XXXX Listed as Charged off as bad debt and marked as Derogatory The balance is listed as {$0.00}, with a high balance of {$35.00}, and the account type is noted as an Installment Sales Contract. 

I have no knowledge of this account and never authorized any such account or transaction. 

I submitted written disputes to each of the XXXX credit reporting agencies, requesting : A copy of the original signed application or documentation used to open the account. 

None of the credit reporting agencies provided any such documentation substantiating my alleged authorization or liability. 

XXXX. XXXX Grounds XXXX the FCRA, credit reporting agencies are required to : XXXX a reasonable investigation upon receiving a consumer dispute ( 1681i ( a ) ( 1 ) ) Remove or correct any information that is found to be inaccurate or unverifiable ( 1681i ( a ) ( 5 ) ) By failing to provide validation or remove the unverified account, the credit bureaus are in willful and/or negligent noncompliance with their statutory obligations under federal law. 

IV. Harm The continued reporting of this account as derogatory and charged off has caused and continues to cause me harm, including : Negative impact on my credit score Impairment of my ability to obtain credit Emotional distress and undue burden in addressing an account I do not recognize or owe. XXXX I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct to the best of my knowledge. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA 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 2025-10-15 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Debt Validation Letter XXXX XXXX  RESURGENT / LVNV FUNDING LLC Date : XX/XX/year> To : Resurgent Capital Services/ LVNV Funding LLC XXXX. XXXX XXXX XXXX, SC XXXX This letter is a formal request for validation of debt under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), codified at 15 U.S.C. 1692g. You have reported or are attempting to collect a debt allegedly owed by me. I do not acknowledge this debt and require that you cease all collection and reporting activity until full validation has been provided. 
15 U.S.C. 1682b From : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 response to consumer: Closed with explanation