vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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 hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mnet Financial Inc
State: FL

Complaint narrative:
I am filing this complaint against Mnet Financial , LLC for multiple, willful violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I submitted a written dispute and validation request in response to a debt Mnet claimed I owed to XXXX XXXX XXXX XXXX. Mnet acknowledged my request the same day via an automated response but failed to ever provide validation, violating FDCPA 809 ( b ). Despite this, Mnet sent me collection emails on XX/XX/XXXX and XX/XX/XXXX, unlawfully continuing collection activity while the debt remained unvalidated a second violation of 809 ( b ). In addition, I sent a certified letter with a legal notice and proposed settlement to Mnets registered agent, XXXX XXXX XXXX XXXX, at their official XXXX address in Florida, which was formally refused by the agent. This refusal constitutes an intentional effort to evade legal notice, frustrate due process, and obstruct dispute resolution. Following this, I directly contacted Mnet Financials executive leadership, including XXXX XXXX XXXX, by email. XXXX XXXX replied on XX/XX/XXXX, confirming receipt of my notice and stating only that the account had been cancelled back to [ their ] client, without offering a resolution or acknowledging the FDCPA violations. This response further confirms that Mnet received my dispute, knowingly disregarded it, and now seeks to avoid accountability after the fact. Mnets conduct reflects bad faith and legal noncompliance that has caused me substantial distress, time loss, and delay in exercising my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
I am filing a formal complaint against Freedom Mortgage Corporation, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, for inaccurately reporting my mortgage payment history to XXXX, resulting in damage to my credit and a likely violation of the Fair Credit Reporting Act ( FCRA ). 

Background : I am an XXXX servicemember. I was also XXXX on military orders protected under the Servicemember Civil Relief Act ( SCRA ). Orders attached. 

I have a mortgage loan with Freedom Mortgage, account number ending in [ XXXX ]. 

According to my XXXX  credit report dated XX/XX/year>, Freedom Mortgage reported my account status as Not more than two payments past due, with a last payment date of XX/XX/year>. SEE ATTACHMENT XXXX  Erroneous Late Payments.pdf In reality, I made the XXXX payment, and I have already paid my XXXX mortgage as well. 

As of the date of their credit report ( XX/XX/year> ), this reporting is factually outdated, misleading, and incomplete. Under the FCRA, companies that furnish information to credit bureaus must ensure that the data is : Accurate Complete Not misleading By reporting XX/XX/XXXX as my last payment despite receiving my XXXX and XXXX payments, Freedom Mortgage has caused serious damage to my credit by implying that I am 60 days delinquent when I am not. 

My Requests : That Freedom Mortgage immediately correct their reporting to reflect my current payment status. 

That they remove or correct the XXXX late payment due to misleading status as of the reporting date. 

That the XXXX  assist in holding Freedom Mortgage accountable for misreporting, especially to servicemembers who are uniquely impacted by negative credit data. 

I have attempted to resolve this directly with the company and via XXXX  dispute channels, but the inaccurate reporting persists. I have attached screenshots of the XXXX  report and proof of payment. 

Please assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
i recently check my credit report and notice a alleged late payment from XXXX XXXX XXXX acct # : XXXX, transactions and experience should not be reporting on a consumer report per 15 usc 1681 and 15 usc 1666b. I have attach a copy of the letter that was written to transunion below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/2025 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 generallf, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
Had unauthorized data when I was on a workout trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Immediate Deletion Demand Charged-Off Account # XXXX Amount Reported : {$850.00} To Whom It May Concern, This letter serves as a formal dispute of the charged-off account currently being reported by Equifax under the name XXXX XXXX XXXX, account number XXXX , with a reported balance of {$850.00}. I am demanding full deletion of this account from my credit report based on serious violations of federal law, including : 1. IRS Code 6050P 1099-C Cancellation of Debt If this account was charged off and a Form 1099-C was filed with the IRS, that means the debt was cancelled. It is unlawful to report a {$850.00} balance due after issuing a 1099-C, because the creditor has forgiven the debt for tax purposes.

I demand confirmation of whether a 1099-C was issued. If so, this account must be immediately deleted. 

2. FCRA Violations 15 U.S.C. 1681 You are required under the Fair Credit Reporting Act to ensure that all information is accurate, complete, and verifiable. Reporting a charged-off account with a {$0.00} collection activity but a {$850.00} balance is conflicting and misleading. I am demanding : - All original signed agreements tied to this debt - The full payment history and charge-off details - Identity of the party who currently owns or services this account - If sold or transferred, the bill of sale or purchase agreement Failure to provide these makes the continued reporting of this debt illegal.

3. FDCPA Validation Rights 15 U.S.C. 1692g As a consumer, I have the right to demand full validation of this account. You must provide : - The original contract with my signature- All billing statements - Notification of the charge-off - Confirmation of ownership, including any third-party debt collector 's right to report -Purchase Agreement 4. Unjust Damage to My Credit Reporting a charge-off with this balance is unfair and continues to harm my ability to obtain credit, despite the lack of proof this debt is valid, collectible, or legally reportable.

I DEMAND : - Permanent deletion of this account from my Equifax credit report - A copy of the 1099-C, if issued - Copies of all original documents used to validate this debt - Written confirmation that this account is no longer being furnished If this is not corrected within 15 days, I will proceed to file formal complaints with the FTC, and Georgia Attorney General for Equifaxs willful noncompliance. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 received a copy of my XXXX, Equifax and XXXX  credit report, and noticed 8 late payments that need to be deleted. It is as follows : DPT EDXXXX - XXXX Your agency has committed a violation of my federal and consumer rights ; evidence is provided in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is detailed below.

15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did NOT give your agency written authorization or written instructions to report this information.

Your agency has not only committed aggravated identity theft but has also falsely accused me of defaming my character, to name a few damages that may be awarded in court, in addition to violating the Fair Credit Reporting Act. 

As detailed below, XXXX, Equifax, and XXXX  have also violated my consumer rights. 

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

The disclosure of this information not only violates federal law but also constitutes aggravated identity theft and character defamation against me, similar to how your agency has harmed me ( 15 USC 1666b ) by failing to obtain my written consent to report such information.

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the custome
r.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: AR

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 2025-06-21 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: MOHELA
State: TN

Complaint narrative:
Subject : Dispute Regarding MOHELA Student Loan Reporting and Credit Score Impact On XX/XX/year>, I experienced a XXXX drop in my credit score due to negative reporting by MOHELA related to my student loan. Prior to this report, I received no notice or communication from MOHELA indicating a missed payment, potential delinquency, or upcoming derogatory reporting.

Under 15 U.S. Code 1681i ( Section 611 ( a ) ( 1 ) ( A ) ), furnishers like MOHELA are required to follow reasonable procedures to ensure the maximum possible accuracy of the information before reporting it. MOHELAs failure to notify me or verify the accuracy of the status directly conflicts with these legal obligations. 

MOHELA is currently under intensive legal scrutiny for multiple consumer protection violations. In Maldonado v. MOHELA, the XXXX XXXX XXXX California recently denied MOHELAs motion to dismiss a class-action accusing them of failing to implement federal loan discharges and continuing to report debts after borrower obligations were officially discharged Additionally, the XXXX XXXX XXXX XXXX has filed a lawsuit alleging that MOHELA engaged in illegal billing practices, failure to provide timely notices, call deflection tactics that obstruct borrowers, and unauthorized account actions These wider patterns of misconduct lend weight to my dispute. My particular experience reflects the same disregard for legal obligationsnegative credit reporting without any verifiable basis or notice imposed without due process. 

I am about to begin classes at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year>, and this undue credit damage threatens my access to financial aid, housing, and other essential resources. This makes swift correction all the more critical.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
Recently received a copy of my credit report and notice a few accounts Reporting incorrect information and can not verify these accounts are 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 2025-06-21 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation