vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. I found numerous accounts and inquiries on mycredit report that wasn ' t opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the Equifax data breach and ill provide proof of that as well. Please remove these accounts & inquiries from my credit report and soon as possible. Thank you! 

( ACCOUNTS- XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} ; 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

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 2025-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
To Whom It XXXX Concern, XXXX reaching out to request your help resolving an issue with MOHELA that has gone unresolved for months. Despite being told on multiple occasions that a refund of {$6400.00} was issued to me on XX/XX/year>, I have not received any funds. The refund is for overpayments made toward federal student loans that were later forgiven under the XXXX program. 

Ive called MOHELA repeatedly since XXXX time being told the refund was processing and to call back in XXXX hours. Most recently, I was told the issue needed to be escalated to a XXXX. I waited on hold for 2 hours and 48 minutes before the call disconnectedthis has happened on more than one occasion. Every time I call, I get a different answer, and no one takes ownership of the issue.

From reading other consumer reports online, its clear this is not an isolated incident. MOHELA has a pattern of refund delays, vague explanations, and unresolved cases just like mine. Unfortunately, based on how this has been handled so far, I do not expect this to be resolved without formal escalation and oversight from your office. 

XXXX asking for your assistance in helping me recover the refund I am owed and holding MOHELA accountable for their continued mishandling of these matters. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Account # : My Social Security Number can be provided upon request

Company response to consumer: Untimely response
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated Mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX 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 general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete item of information from the file of 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 notified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because TransUnion violated my Fair Credit Reporting Act ( FCRA ) rights. Specifically, I submitted a written dispute to TransUnion on XX/XX/year> regarding inaccurate information on my credit report XXXX. XXXX XXXX XXXXcount Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXXccount Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX, XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), TransUnion is required to conduct a reasonable investigation and respond within 30 days of receiving a consumers dispute. 

TransUnion failed to meet this obligation. They did not complete their investigation or provide me with the results within the 30-day period as mandated by law. The FCRA is very clear that if information in a consumers credit report is disputed, the credit reporting agency must investigate and report the results back to the consumer within 30 days ( with a limited extension to 45 days only if the consumer supplies additional information during the 30 days, which I did not ).

By exceeding the 30-day timeframe, TransUnion violated my rights under the FCRA. Their delay caused me undue stress and potential harm to my financial standing. I respectfully request that the CFPB investigate TransUnions failure to comply with FCRA guidelines, hold them accountable for this violation, and require them to take corrective action to ensure timely responses to consumer disputes in the future.

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 2025-05-13 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: OH

Complaint narrative:
The account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history, a charge off account should not include active payment history. This inaccurate information falsely manipulates the statute of limitations. There are also 3 different closed dates and 3 different last activity dates listed across all 3 credit bureau. The credit reporting companies failed to investigate this account properly and thier neglect has violated my rights. I am demanding a deletion of the following account XXXX XXXXXXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report with Experian, Equifax, and Transunion. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 

Accounts : XXXX 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report with Experian, Equifax, and Transunion. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 

I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for on the FTC REPORT PROVIDE as well. 

Accounts : XXXX 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 non-monetary relief
Consumer complaint received 2025-05-13 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:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


3. Incorrect Employers :. My correct Employer is : XXXX XXXX XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-05-13 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: LEXISNEXIS
State: AR

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions Inc. for continuing to report an inaccurate bankruptcy record in my consumer file, despite clear evidence that I did not file this bankruptcy and that it was improperly linked to my identity through weak data matching. 

LexisNexis claims it obtained this information from PACER, not from the bankruptcy court directly. However, I have received XXXX formal letters from the XXXX Bankruptcy XXXX for the XXXX XXXX XXXX Arkansas confirming they do not provide case information directly or indirectly to LexisNexis or any of the credit bureaus. This proves that LexisNexiss source ( PACER ) is a public database and not a verified or official reporting authority. 

LexisNexis acknowledges it matched this bankruptcy to my file based on a historical address and the last four digits of a Social Security number, not a full SSN or legal documentation proving I filed the case. I have never filed for bankruptcy. I am not the debtor in that case, and I have no legal or factual connection to the case.

Under the Fair Credit Reporting Act ( FCRA ), LexisNexis is required to maintain and report only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ) and to conduct a reasonable reinvestigation upon dispute ( 15 U.S.C. 1681i ). Matching partial identifiers from a public docket without fully verifying my identity fails this legal obligation. 

LexisNexis has not provided me with a copy of the full bankruptcy docket or documentation proving that I was the legal filer. Instead, they continue to report this bankruptcy and have forwarded the dispute to the credit bureaus. This has caused reputational harm and may affect my ability to access credit and financial opportunities. 

I am requesting that the CFPB require LexisNexis to immediately delete this inaccurate bankruptcy from my file and notify any parties it was shared with. I also request LexisNexis be required to provide a full description of its verification process and sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
I discovered an account that was not reporting correctly when I recently checked my credit report. On an account that was actually paid on time, I had two late payments. All information must be reported by the consumer reporting agencies with perfect accuracy. Payments on this account have never been late. A copy of my report on this complaint from the following dates is attached ( XX/XX/year> ). I now ask that you look into this account and change these payments to be made on time right away. I appreciate your quick response and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to my previous dispute regarding unauthorized and inaccurate negative items currently appearing on my credit report. These matters remain unresolved, and I am compelled to reaffirm my position and my rights under federal law.

Under 15 U.S. Code 6801 ( Gramm-Leach-Bliley Act ), financial institutions are legally obligated to protect the confidentiality and security of consumers ' nonpublic personal information. The continued reporting or dissemination of such informationabsent my explicit consent or a permissible purposeconstitutes a violation of this federal statute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated Mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX 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 general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete item of information from the file of 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 notified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: CT

Complaint narrative:
As a result of financial difficulties brought on by the COVID-19 pandemic, I was unable to make timely payments on my XXXXXXXX XXXX on XX/XX/XXXX and XXXXXXXX XXXX XXXX  on XX/XX/XXXX . I reached out to XXXX XXXX and XXXXXXXX XXXX XXXX for assistance under the CARES Act but was still reported late, even though the account is closed. 

This reporting does not accurately reflect my attempt to work with the creditor and goes against the intent of Section 4021 of the CARES Act, which protects consumers who seek relief. I respectfully ask for these late marks to be removed from my credit report.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I had a vehicle loan through Ally Financial. The vehicle was repossessed and later auctioned without my knowledge. I never received a notice of repossession or auction date, as required by law under the Uniform Commercial Code ( UCC ) and Fair Credit Reporting Act.

The account now appears as a paid repossession on my credit report. I am requesting documentation that shows Ally followed proper notice proceduresincluding : A copy of the auction notice Proof of how and when it was sent Final accounting of the sale Ive already submitted a validation request to Ally, and I am asking for the CFPBs assistance in compelling them to respond and correct the credit reporting if they can not provide proof of compliance.

Company response to consumer: Closed with explanation