vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
LETTER TO CREDIT BUREAU ( S ) and XXXX XXXX XXXX. On XX/XX/year>, I became aware of a {$42.00} debt that was reported to all three major credit bureaus as a charge-off against my Credit Report ( s ). According to XXXX the {$42.00} charge off has reduced my [ XXXX credit score ] to [ XXXX ]. As my three Credit reports show ( including the XXXX XXXX XXXX XXXX ) I have not been late in payments in over 10-15 years, thus my XXXX. The {$42.00} was due to a misunderstanding. I was under the impression that I had used my [ personal debit card ] to cover the [ XXXX XXXX ] transaction. As such, I was not aware of the XXXX that went from {$42.00} to {$150.00} which I paid-off-In-Full the same day I became aware of it : Payment Confirmation # XXXX under Credit Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As may be witnessed on all three ( 3 ) of my credit report ( s ) within all the months that the {$42.00} XXXX charge-off went unpaid, I made the {$650.00} payment toward my SUV lease and its corresponding XXXX XXXX XXXX premium on time. A lease that is about to expire ( please see attached XXXX XXXX XXXX XXXX ) and will leave me with the need to purchase/lease/finance a new vehicle to get to and from work. Also, Ive been working really hard at trying to get my credit score as high as possible to qualify for a Mortgage. Thus, it would make no sense to keep-up with my SUV-Lease payment, XXXX XXXX XXXX, XXXX XXXX having the need to obtain a new vehicle, looking forward to getting a mortgage, and at the same time letting a {$42.00} XXXX XXXX go unpaid. In short, with this charge-off on my credit ( lowering my score from XXXX to XXXX / a XXXX drop at approximately XXXX points a month ) there is no way that creditors will engage in any financial transaction/agreement with me and being over XXXX XXXX XXXX, it would take me another 15 years to get my credit score back into the XXXX. Please see attached XXXX XXXX XXXX " Pay-Off-Letter '' as evidence of my lease about to expire, leaving me with the need of having to lease, finance, etc. a new car. As for my history of being on time on all my accounts, including XXXX XXXX XXXX and, It is my understanding that you have the authority to pull any and all of my three credits reports which will confirm my claim of being up to date with all my creditors. Should you not have such authority, please reach out to the credit bureaus and they should be able to confirm. Meanwhile, I have included a copy of a XXXX  Credit Report that I downloaded yesterday directly from their website. In short, XXXX writing to ask that [ as a one-time courtesy ] you please remove the Charge-Off from all three Credit Bureau ( s ) so I may go on to getting the car I will be needing and hopefully a mortgage in the near future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
Subject : Formal Complaint Loan Servicing Misconduct by MOHELA and XXXX XXXX I am writing to file a formal complaint regarding ongoing issues with MOHELA and XXXX XXXX related to the mismanagement of my federal student loans and my eligibility for Public Service Loan Forgiveness ( PSLF ). I believe their actions, or failure to act, constitute unfair and deceptive business practices and may rise to the level of loan servicing fraud. 

Factual Background : I have made 120 qualifying payments toward loan forgiveness under the PSLF program. 

My final qualifying payment was made in XX/XX/XXXX. 

However, MOHELA has failed to properly credit or upload my XX/XX/XXXX through XX/XX/XXXX payments to the XXXX system, even though I have payment receipts confirming they were made. 

MOHELA unilaterally placed the loans into forbearance starting XX/XX/XXXX, making those months non-qualifying for PSLF.

Ironically, they recently uploaded all of the forbearance months, which do not count, but continue to omit the actual qualifying payments from XXXX through XXXX. 

I have submitted two official Requests for Review regarding this issue, but MOHELA has still not updated my payment count or corrected the record in the XXXX system. 

When I call to speak to an agent, I am trapped in an automated loop that provides no access to a live representative. This obstructs my ability to resolve the matter or get basic information. 

It feels as though MOHELA is intentionally delaying or obstructing my access to loan forgiveness that I have rightfully earned under federal law. 

Legal and Ethical Concerns : Failing to properly apply and report qualifying payments appears to be a violation of federal loan servicing standards. 

Placing loans in forbearance without borrower consent undermines borrower rights and PSLF eligibility. 

Refusing to provide access to support or a real person constitutes a denial of due process and accountability. 

These actions create significant financial and emotional harm and reflect a pattern of deceptive and potentially fraudulent servicing conduct.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I am filing this complaint against TransUnion and Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) 1681i by continuing to report multiple inaccurate and unverified tradelines after I submitted formal disputes. The reinvestigations were not legally sufficient, and the bureaus are reporting harmful, charged-off accounts without proper validation or documentation from furnishers. 



Under XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : A reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations contemplated by the statute. 

The reinvestigation process used by both bureaus relied solely on templated, unverifiable responses from the furnishers. No legal validation was provided to support continued reporting. 

Under XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Debt XXXX and furnishers may not continue collection or credit reporting activities without proper legal validation of the debt.

I received no signed contracts, original billing statements, or any evidence establishing legal ownership or enforceability. Furnishers simply confirmed personal data like name and date of birth which does not constitute legal validation. 

Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Factual inaccuracies on a consumer report that affect creditworthiness and reputation constitute a concrete injury sufficient for standing. 

These unverified and damaging tradelines are directly harming my ability to access credit, rent housing, and maintain my financial stability. 



Tradelines Still Being Inaccurately Reported : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} My Consumer Harm : Both credit bureaus have failed to remove these accounts after an inadequate reinvestigation process, exposing me to : Reputational damage Denial of credit and financial opportunities Risk of unlawful collections Emotional distress and financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MO

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 # XXXXXXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-07-25 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: IN

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) - Accuracy of Report, consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

According to 15 U.S. Code 1681i ( 5 ) - Treatment of Inaccurate or Unverifiable Information, if the information is found to be inaccurate, incomplete, or can not be verified, it must be promptly deleted or corrected.

I am disputing the following accounts as inaccurate, unverifiable, or not mine.

I am requesting their immediate removal from my credit profile.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. 
I presume that no proof of the alleged debts nor therefore any such debts in fact exist. 

XXXX XXXX XXXX XXXX Type : Credit Card Balance : {$25.00} Status : Open with 150-day late history Opened : XX/XX/XXXX Past Due : {$25.00} XXXX XXXX XXXX XXXX XXXX  Type : Credit Card Balance : {$380.00} Status : Open, 30 days late, 127 % usage Opened : XX/XX/XXXX Past Due : {$60.00} XXXX XXXX XXXX XXXX XXXX Type : Secured Loan Balance : {$0.00} ( Closed ) Status : Closed, 30 & 60-day lates Opened : XX/XX/XXXX Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Type : Auto Loan Balance : {$37000.00} Status : Charged Off with 17 late months Opened : XX/XX/XXXX Past Due : {$37000.00}

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 2025-07-25 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls underXX/XX/XXXX according to XX/XX/XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-25 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX  and a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX- {$9100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-25 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: PA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-25 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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