vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
Subject : Credit Reporting Complaint Inaccurate Past Due Status To Whom It May Concern, I am filing a complaint regarding the inaccurate reporting of my XXXX XXXXXXXX auto loan on my TransUnion, XXXX XXXX XXXX credit reports. Despite my on-time payments, my account has been incorrectly marked as past due, negatively affecting my credit score and financial standing. 

I have contacted XXXX XXXX and the credit reporting agencies stated above to resolve this issue, but no correction has been made as of the time of this letter. I request that the CFPB intervene and ensure that my credit report accurately reflects my payment history. I have attached supporting documentation for review. 

Thank you for your prompt attention to this matter. 

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 2025-05-16 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/XXXX I was diagnosed with a terminal illness and in XX/XX/XXXX started the process of loan forgiveness. The application was submitted and received in XX/XX/XXXX and was placed under review. There has been many calls to get this moving in the right direction but yet to hear anything on it. As of XX/XX/XXXX I am on XXXX XXXX XXXX still waiting on this. I received an invoice again today from MOHELA for payment to start happening in XXXX as the hold on account is over waiting on the approval XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am submitting this formal complaint against XXXX  and LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES for unlawful and inaccurate reporting of one or more charged-off credit card accounts appearing on my credit report. These actions have caused substantial harm to my creditworthiness and violate multiple federal consumer protection laws. 

Specifically, I believe the creditor and credit reporting agency has engaged in unlawful conduct :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: NJ

Complaint narrative:
I previously disputed this with the credit bureau and Sallie Mae. This loan was originally joint but was legally assigned to XXXX XXXX in our divorce decree dated XX/XX/year>. I am no longer responsible, yet Sallie Mae continues to report this as a joint account. 

The balance has increased beyond the original loan without any itemization or accounting of fees and interest. This tradeline also violates XXXX XXXX standards ( missing highest balance, no amortization schedule ), and no proper debt validation has been provided. 

I request that this account be corrected to reflect my release of responsibility per court order or deleted entirely due to inaccurate and unverifiable reporting.

Prior CFPB complaint : XXXX not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reached out to the credit bureaus several times because I have an address that is inaccurate and is reporting to the credit bureaus under a closed paid in full account. ( Student Loan ). I have already sent out a copy of my Government issued ID Social Security card and a current utility bill with my accurate address to all the credit bureaus last month. The address was not removed. I reached out to the credit bureaus and was told that they are unable to remove the address as it is associated with a closed paid in full account and that I would have to reach out to the original account holder and have them send over the accurate information. I reached out to XXXX, as they are the account holder for my student loan. They informed me even though they have the correct address on file in their system, because the account was paid in full and has now been closed for over a year that they are unable to send the accurate address to the credit bureaus as they no longer report to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have reached out to the credit bureaus several times because I have an address that is inaccurate and is reporting to the credit bureaus under a closed paid in full account. ( Student Loan ). I have already sent out a copy of my Government issued ID Social Security card and a current utility bill with my accurate address to all the credit bureaus last month. The address was not removed. I reached out to the credit bureaus and was told that they are unable to remove the address as it is associated with a closed paid in full account and that I would have to reach out to the original account holder and have them send over the accurate information. I reached out to XXXX, as they are the account holder for my student loan. They informed me even though they have the correct address on file in their system, because the account was paid in full and has now been closed for over a year that they are unable to send the accurate address to the credit bureaus as they no longer report to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need you to certify that every single piece of data tied to this account actually belongs to menot just some of it, not just whats convenientall of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
This letter serves as formal notice and demand for the immediate removal of all derogatory information you have reported or caused to be reported to any consumer reporting agency regarding alleged debts which remain unverified, unvalidated, and unsupported by lawful documentation. 

Despite multiple written requests sent to you, including notices under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you have failed to provide proper verification of the alleged debts. Instead, you have persistently responded with generic stall letters and photocopies of purported agreements lacking original wet ink signatures or judicial determinations of liability. A photocopy or auto-signed version of a contract is insufficient to constitute a legally binding and enforceable obligation, especially when demanded under the law.

Pursuant to 15 U.S.C. 1692g ( a ) - ( b ), you are legally obligated to cease all collection activity, including credit reporting, until you provide full verification of the alleged debt, including : - A certified copy of the original agreement bearing my original wet signature, - A full accounting of the alleged obligation and chain of custody, - Proof of your legal standing to collect or report the alleged debt. 

Your continued failure to comply constitutes willful noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), and is considered an attempt to collect a debt through deceptive means. This notice serves as a final demand that you : 1. Immediately delete all inaccurate, unverified, or unauthorized information from all consumer reporting agencies.

2. Cease and desist from any further collection activity unless full legal validation is provided.

You are hereby noticed that failure to comply within ten ( 10 ) days will result in formal complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and may result in a civil lawsuit against your agency and any parties involved for damages, including defamation, invasion of privacy, and violations of federal consumer law. 

I reserve all rights, remedies, and causes of action under law and equity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: PA

Complaint narrative:
On my credit profile I noticed some hard inquiries that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
Considering I never created them and was uninformed of their existence, I demand that these bogus accounts be removed from my credit record. In accordance with USC 1681g, I am asking that they be removed within 15 days. Relevant documents that serve as evidence are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: AE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for inaccurate, inconsistent, and incomplete reporting on my credit files, along with their failure to respond to my repeated disputes. As an XXXX XXXXXXXX XXXX XXXX, this situation is further aggravated by the lack of adherence to protections afforded to me under both the Fair Credit Reporting Act ( FCRA ) and the Servicemembers Civil Relief Act ( SCRA ). 

Specific Issues : Closed accounts are inaccurately listed as open. 
Late payments are reported on accounts that have never been late. 
Inaccurate personal information, including outdated addresses and phone numbers. 
Charge-offs were reported without notice or opportunity to address them. 
Inconsistent reporting across the XXXX bureaus for the same accounts. 
No response to XXXX dispute letters sent to each bureau, totaling nine letters, over several months.

Violated Provisions of the FCRA ( 15 U.S.C. 1681 et seq ) : 1681i Failure to reinvestigate disputed information within the required 30-day timeframe.

1681e ( b ) Failure to maintain maximum possible accuracy of information.

1681c Reporting of outdated or obsolete information.

1681g Failure to provide full consumer disclosures upon request.

1681h Failure to use proper procedures for verification and authentication.

1681s-2 ( a ) Furnishers providing inaccurate information to CRAs.

1681s-2 ( b ) Failure of furnishers to investigate disputed information upon notice.

1681b Inaccurate information being accessed by unauthorized parties or for improper purposes.

1681m Failure to provide notice of adverse action ( e.g., charge-offs ).

1681x Willful noncompliance with FCRA provisions.

Additionally, this situation violates the Servicemembers Civil Relief Act ( SCRA ), which provides enhanced consumer protections for XXXX XXXX XXXX personnel. 

Requested Actions : 1. Immediate investigation and removal or correction of all inaccurate information across all three bureaus.

2. Removal of late payments and charge-offs that were never validly reported or communicated.

3. Update of personal identifying information to reflect current, accurate contact details.

4. Written explanation and confirmation of actions taken to comply with my rights.

5. Review and ensure compliance with FCRA and SCRA protections, particularly for XXXX XXXX XXXX. 

This situation is already impacting my financial opportunities and causing personal stress. I expect the CFPB to hold these companies accountable for their failure to uphold federal consumer protection laws. 

I can provide supporting documentation upon request

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO AUTO Account Ending : XXXX Loan Type : Auto Loan Status : Charge-Off Balance Reported : {$8800.00} Last Payment Made : XX/XX/year> Dispute Details : This account was charged off. However, the credit report : Continues to show monthly late payment activity even after the vehicle was sold Updates a charge-off balance as if its open, which is improper under the FCRA Reports payment details and interest despite no active account Ongoing payment activity and late payments, which is misleading and violates FCRA standards for charge-off reporting.

Per FCRA 605 ( a ) and CFPB guidance, payment transactions and charge-off balances that have been settled should not continue to update or negatively affect a consumers report if the debt was resolved. Continuing to report this as open and past due is misleading. 
Please investigate these accounts under the FCRA 1681i and 1681s-2. The continued reporting of inaccurate late payments, repossession codes, and misleading balances is harming my credit profile unfairly. 
The continued reporting of this account as actively delinquent and unpaid, when in fact it was settled through asset recovery and sale, is both incomplete and damaging to my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I submitted a dispute that was completed in XXXX however my credit report still reflected that the account was being disputed. I requested Experian cancel the dispute and remove the remarks on XX/XX/XXXX. They stated that it was completed and should reflect within XXXX to XXXX hrs. It was not cleared. I've spoken to multiple specialists/managers since the XXXX to have it cancelled and remarks removed and most say that they are no longer showing that it's in dispute and the remarks have been removed. I am attempting to get a mortgage loan and they are unable to provide me proof. A d the documents that they have sent, still show dispute remarks. And my credit has been pulled multiple times since then and it still shows that the account is in dispute, and only with Experian, who is extremely difficult to get ahold of.

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