vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
Equifax is currently reporting multiple collection and charge off accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, including balances ranging from {$240.00} to nearly {$3000.00}. These accounts are inaccurate, incomplete, and lack proper documentation to substantiate their validity. Equifax has repeatedly failed to conduct proper, reasonable investigations in response to my disputes, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which demands that a reinvestigation be conducted within XXXX days to verify disputed information. Equifaxs failures are not isolated, but part of a widespread pattern exposed in recent CFPB enforcement actions which reveal that Equifax engages in sham investigations, neglecting its duty to provide accurate and complete credit information.

Moreover, pursuant to 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly corrected or deleted. Equifaxs systemic failure to do so constitutes a willful violation of the FCRA, further damaging my credit reputation and causing substantial emotional distress and financial hardship. Given the rampant data breaches that have compromised consumer data integrity, it is alarming that Equifax has not upgraded its investigative procedures to prevent false or unverifiable information from remaining on consumer reports. This dereliction of duty is unacceptable and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 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: CA

Complaint narrative:
TransUnion is inaccurately reporting a Chapter XXXX Bankruptcy - XXXX # : XXXX on my credit report. This derogatory public record entry is significantly impacting my creditworthiness and financial stability. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Given the sensitive nature of bankruptcy records and their severe impact on consumer credit, it is imperative that TransUnion verify the accuracy and completeness of this entry with the original source the court rather than relying on secondhand data aggregators. This ensures that the reported information is both accurate and complete, including the correct discharge status, filing date, and case number.

Furthermore, 15 U.S.C. 1681i mandates that TransUnion conduct a comprehensive reinvestigation upon receiving a dispute, including direct verification with the original source. Failing to do so violates my rights under the FCRA, exposing TransUnion to potential liability for damages, as outlined in 15 U.S.C. 1681n. Given the increased risks of identity theft and data breaches, the mishandling or misreporting of sensitive bankruptcy information is unacceptable and demands immediate correction.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Re : Dispute of Inaccurate Information under 15 U.S.C. 1681i To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Despite my previous request for validation of the debt, I have not received any written confirmation or documentation substantiating the alleged debt from the creditor or the reporting agency.

I hereby request that you immediately reinvestigate this item and provide me with the following information in writing : XXXX XXXX XXXX The original documentation provided by the creditor to substantiate the accuracy of the reported debt ; The name, address, and contact information of the original creditor ; A detailed explanation of how the verification process was conducted, including the specific documents used to verify the information ; Any correspondence or notes related to the investigation process. 
If the disputed information can not be verified or substantiated in compliance with 15 U.S.C. 1681i, I respectfully request that it be removed or corrected in accordance with the law. Additionally, please provide me with a new copy of my credit report reflecting any corrections or deletions.

Please respond to this dispute within the legally mandated timeframe and send all correspondence to the address listed above. 15 BUSINESS DAYS. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MI

Complaint narrative:
My issue is that, out of desperation, I took a few loans out and I find out they have like XXXX % interest and I'm using almost all.of every pay check just to cover this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I looked over my credit report and noticed hard inquiries that don't have permissible purpose according to 15 USC 1681b. 


XXXX XXXXXXXX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXXXXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXXXXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX  XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXXXXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXXXXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX XXXXXX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXXXXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXXXXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b. 
XXXX XXXX XX/XX/XXXX. Delete this hard inquiry because of violation of 15 USC 1681b.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Given that I never gave permission for these fraudulent accounts to be opened, I ask that they be deleted from my credit report. Kindly fix this mistake right away.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
First off, I was never informed that my loans were coming out of deferment. I was notified that MOHELA would be my Servicer via mail, so I know they have my correct address. The initial letter stated they would be my Servicer and would provide payment details later. My first notice of a payment being due was when my credit score dropped because they reported my account as 90 days past due, but there was no report of XXXX or 60 days late on the report. XXXX and XXXX were marked as on time and then XXXX was 90 days late. How is this possible? I have XXXX loans serviced by MOHELA, so my score dropped XXXX points overnight. Additionally, MOHELA apparently has XXXX different websites. I kept checking the main MOHELA site that serviced my loans that were forgiven under Public Service forgiveness and it shows a {$0.00} balance. Then, I found a second MOHELA website, ( service.mohela ) that also showed a balance of 0 and no payment due. Finally, I found the 3rd MOHELA website ( mohela.studentaid.gov ) and found where my loans were due with messages only on that website of past due notices. How was I supposed to know that there are XXXX different websites for MOHELA? Why was I not informed by MOHELA via mail of where to create an account? It is all very confusing, and I believe it is intentional so they can garnish wages. I want the negative reports immediately removed from all XXXX credit reports. Interestingly enough, my MOHELA account still shows an amount due of {$0.00}! I need help to restore my good credit. XXXX XXXX and have NEVER had a late payment or less that perfect credit and wait times for MOHELA are XXXX to XXXX hours long. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Last XXXX SSN : XXXX XXXX : XX/XX/1992 Dear : Experian, XXXX, XXXX, XXXX XXXX Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : unknow Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Last XXXX SSN : XXXX XXXX : XX/XX/year> Dear : XXXX, Transunion, XXXX, XXXX XXXX Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : unknow Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last XXXX SSN : XXXX XXXX : XX/XX/year> Dear : XXXX, XXXX, Equifax, XXXX XXXX Request for Removal of Fraudulent Account from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft.

The details of the fraudulent account are as follows : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : unknow Amount : Unknow I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief