vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: TN

Complaint narrative:
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. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NC

Complaint narrative:
Mohela manages my student loans. I am suppose to be under the XXXX program 's forbearance, which means 0 % interest applied to my account. I noticed on my credit history that there has been a total increase of my loans in the amount of {$970.00} spread across the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Checked credit report due to change in score XX/XX/XXXX. Noted transworld systems for a unknown account XX/XX/XXXX. No notification nor would give any info over phone so may get a letter of claimed debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting XXXX XXXX that I have made them aware of but still keep reporting! This has caused me multiple XXXX XXXX XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
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. 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 non-monetary relief
Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I deposited a XXXX XXXX XXXX  check in my santander acct for over XXXX dollars. And they said i deposited in the wrong account because it was in XXXX name although it had my name on it as well. and they were going to return to sender. They will not help me with any info. They are rude and very unprofessional. This has been going on since XX/XX/XXXX! I want my money back and they are refusing to do anything about 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 2025-06-03 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: MD

Complaint narrative:
I am writing to formally document my concerns regarding the recent issues with accessing my student loan account and making timely payments. I have been unable to log in to the MOHELA portal to make payments and manage my account, and I have not received any prior notification regarding changes to the system or transfer of servicing to another company. 

As a borrower, I rely on timely and accurate communication from my loan servicer to fulfill my obligations. The lack of notice regarding this disruption has made it impossible for me to make payments as scheduled, and I am now concerned about potential late fees, delinquency status, or negative credit reporting. This is not a result of any negligence on my part but rather due to system issues and a failure to notify borrowers. 

I respectfully request that MOHELA : Provide immediate clarification on my account status and next steps. 
Confirm that no late fees, penalties, or negative credit reporting will be applied due to these access issues. 
Notify me of any changes regarding loan servicing or account management as soon as possible. 

I expect that MOHELA will handle this situation with urgency and fairness to ensure that I am not penalized for circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
XXXX reporting a serious violation of the Fair Credit Reporting Act by Equifax regarding the XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX. This account was previously deleted and did not appear on my XX/XX/year> credit report. Its sudden reinsertionwithout any written notice or certificationis a clear violation of XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( ii )- ( iii ). I never gave XXXX XXXX  or permissible purpose for this account to be XXXX XXXX, violating XXXX. Its reappearance is inaccurate and violates XXXX ( b ), which requires maximum possible accuracy. XXXX repeated failure to comply with these legal standards demonstrates negligent and willful noncompliance under XXXX and XXXX. Each violation carries a civil liability of {$1000.00}. I am extremely XXXX  and XXXX XXXX  by this ongoing issue and XXXX disregard for federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. I have NEVER XXXX or XXXX the following XXXX XXXX : Bank : 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 explanation
Consumer complaint received 2025-06-02 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: NJ

Complaint narrative:
I am writing to formally dispute a loan that is currently listed on my credit report. The loan in question was applied for through XXXX XXXX University ( XXXX ). While XXXX claims the funds were disbursed, I have never received any loan funds, nor have any funds been sent to XXXX on my behalf. My online account with XXXX still reflects the outstanding loan amount. 
I did not attend XXXX, as the intended loan funds were never received. I have contacted XXXX requesting official transcripts, which they were unable to provide, further confirming that I did not attend the university. Additionally, I requested information regarding a potential refund, which XXXX was also unable to provide. 
Therefore, I request that this loan be immediately removed from my credit report. I have not received the loan funds, did not attend XXXX, and have no documentation reflecting that this loan is valid. 
Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. 
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 2025-06-02 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: NJ

Complaint narrative:
I am writing to formally dispute a loan that is currently listed on my credit report. The loan in question was applied for through XXXX XXXX University ( XXXX ). While XXXX claims the funds were disbursed, I have never received any loan funds, nor have any funds been sent to XXXX  on my behalf. My XXXX account with XXXX still reflects the outstanding loan amount. 
I did not attend XXXX, as the intended loan funds were never received. I have contacted XXXX  requesting official XXXX, which they were unable to provide, further confirming that I did not attend the university. Additionally, I requested information regarding a potential refund, which XXXX was also unable to provide. 
Therefore, I request that this loan be immediately removed from my credit report. I have not received the loan funds, did not attend XXXX, and have no documentation reflecting that this loan is valid. 
Thank you for your time and attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX 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 the following accounts listed. 


XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$2100.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 

XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 

Collection account from XXXX XXXX with account # XXXX and a balance of {$2700.00}. The original creditor is XXXXXXXX XXXX XXXX 

Collection account from XXXX XXXX with account # XXXX and a balance of {$910.00}. The original creditor is XXXX 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 # XXXX & XXXX, 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 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 2025-06-02 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate and unlawfully reported late payment ( s ) listed on my credit file for the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Reported Late Payments : XX/XX/year>, XX/XX/year>, XX/XX/year> This account has been paid in full and on time. The reported delinquencies are erroneous, unsupported by factual documentation, and in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, as well as 15 U.S.C. 1666b, which requires creditors and credit reporting agencies to promptly correct billing errors, including falsely reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
XXXX filing this dispute against TransUnion for failing to report my current employer, CLUB XXXX XXXX XXXX, in my credit file. This is not a minor oversightit is a clear case of negligence. Under 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to ensure that all information in my report is complete and accurate. Leaving out a verified employer violates that obligation. My employment status is a critical part of my consumer profile, and this omission is damaging my credibility, affecting credit decisions, and creating unnecessary barriers. XXXX failure to act after being made aware of this issue shows a willful disregard for federal law. This level of noncompliance qualifies as willful under 15 U.S.C. 1681n, which entitles me to damages of {$1000.00} per violation. I am demanding immediate correction and full compliance with the Fair Credit Reporting Act. This should not be ignored or delayed any further.

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 2025-06-02 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: CT

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FOLLOWING INQUIRIES WERE NOT AUTHORIZED. I'VE REACHED TO THE COMPANIES BUT THEY HAVEN'T REMOVED THEM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AS PER THE FCRA, I DEMAND ALL UNAUTHORIZED INQUIRIES BE REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. THANK YOU

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 2025-06-02 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: MI

Complaint narrative:
I am filing this complaint because Experian has repeatedly and knowingly violated the Fair Credit Reporting Act ( FCRA ) by continuing to report multiple inaccurate, unverifiable, and unauthorized accounts and inquiries despite formal disputes and demands for documentation. Experian responded to my disputes with generic verified results but never provided a single piece of proof, contract, or source verification as required by law. 

The following accounts were falsely verified without documentation : XXXX XXXX  not my account, never opened XXXX XXXX  not mine, no documentation provided XXXX reports an inaccurate balance and closed status XXXX XXXX  closed long ago, not validated in any dispute XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX unverifiable and not supported with court documentation XXXX XXXX XXXXy ( Filed XX/XX/XXXX ) Experian can not provide verification from the XXXX XXXX XXXX, because courts do not report to credit bureaus Experian is also reporting multiple unauthorized hard inquiries on my credit file inquiries I never initiated, approved, or applied for : 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  XX/XX/XXXX These inquiries lack any permissible purpose and were not supported by any credit application. I requested validation under FCRA 604 ( a ), and Experian failed to provide it. I also invoked FCRA 609 ( a ) for original source verification again, no documentation was provided. 

These actions constitute ongoing violations of : FCRA 611 Refusing to conduct a lawful reinvestigation FCRA 607 ( b ) Failing to maintain maximum possible accuracy FCRA 604 ( a ) Allowing access to my file without authorization XXXX XXXX Compliance Public records and inquiries reported with inaccurate codes and format Furthermore, I am aware that the CFPB has already sued Experian in XXXX for these same unlawful practices. My case mirrors that same pattern of misconduct verified accounts with no proof, unlawful inquiries, and reckless disregarI am demanding the following : Permanent deletion of all accounts listed above that can not be verified with original source contracts or government documentation Immediate removal of all unauthorized hard inquiries Written confirmation that Experian has deleted these entries If this is not resolved, I will escalate this issue through litigation and notify the FTC and State Attorney General. Experians ongoing refusal to comply with federal law is unacceptable and damaging.

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