vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This is a formal complaint regarding materially inaccurate and misleading information currently being reported by Experian on my credit file dated XX/XX/XXXX. The specific tradelines below are in violation of the Fair Credit Reporting Act ( FCRA ) and must be corrected or deleted. 

XXXX. XXXX XXXX Account # XXXX Experian is reporting XXXX  late payments ( XXXX  days ) between XXXX and XXXX. 

These late marks are not consistent with my payment history and are not uniformly reported across all three bureaus.

Relief Requested : Delete all late notations and reclassify the account as Paid as Agreed.

Violations Cited : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 15 U.S.C. 1666b ( b ) 2. XXXX XXXX XXXX XXXXXXXX Experian continues to report derogatory payment history from XXXX even though the account is closed. 

These entries are older than XXXX years and must be removed. 

Relief Requested : Delete all obsolete derogatory entries and update the account to reflect Paid, Closed. 

Violations Cited : 15 U.S.C. 1681c ( a ) ( 5 ) 15 U.S.C. 1681e ( b ) 3. FAILURE TO REFLECT PAID AS AGREED STATUS Accounts Affected : XXXX XXXX and XXXX XXXX XXXX. 

Experian is failing to properly reflect the current, on-time payment history of both accounts.

Relief Requested : Update all open accounts to reflect the proper payment status of Paid as Agreed.

Violations Cited : 15 U.S.C. 1681s-2 ( a ) ( 2 ) 15 U.S.C. 1681e ( b )

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
This account was wrongly charged off and has been paid off for months. I have went back and forth with Ally for the last year and reported to XXXX. I still have no resolution. The car was totaled but payments were on autopay, there was never a payment missed. A few months after I saw a charge off on my credit and received a letter in the mail saying I was delinquent. I was never delinquent. I tried to resolve this with Ally, to the point now where it is completely paid off and it still shows I owe XXXX as a charge off on my credit. I have tried to dispute with XXXX  and Ally does not comply or respond anymore aside from the first complaint where they changed the dispute to charge off and added a note saying consumer disputes. I have my payoff history and received final payment letter from Ally, yet it is still on my credit with a balance. I have been waiting until this is off my credit to start the process of buying a buy a home and this is wrong on every level and horrible business. I have diligently been trying to work with Ally and hit a dead end at every turn. I have been dealing with this since 2022 and my credit has taken a major hit because of this. I am not sure why it is okay to play with peoples credit this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
According to XXXX XXXX XXXX, it is illegal to report anything on my credit report without my permission. 

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 2025-05-16 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: CA

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
The Student Loans Are Listed Multiple Times as loan number XXXX in the amount of XXXX and loan number XXXX in the amount of XXXX, both are being reported Consolidated on XX/XX/XXXX, which is inaccurate. I only had XXXX consolidation, and also an inaccurate report of XXXX XXXX XXXX  dated XX/XX/XXXX in the amount of XXXX. ( {$84000.00} in student loan debt, and Texas XXXX XXXX on the report as I had financial aid when I made an out-of-pocket payment. ) In writing in Reference to my Account Dept of Ed, with MOHELA loan numbers 1 and 2 are duplicated from 1 original consolidated loan. These loans were consolidated and then sold from one institution to another without my authority or prior knowledge. In return, I have found that two 1-time consolidated loans are reported inaccurately by listing the original consolidation multiple times. 
I request that you remove or fix the account and account number listed as with in MOHELA loan # XXXX and XXXX which now listed under Mohela. Or provide the original documents for this information, containing my appended signature and any other related information. 
If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. Kindly find attached a copy of my report highlighting the mentioned item. Enclosed is also a copy of ( Account of Record in Detail as well as Experian Credit reporting Agency ) proof that the item indicated in my credit report is inaccurate. 
Thank you. 
P.S I have been battling with MOHELA for over a year with no results. I also learn that all three negatively viewed companies ( XXXX, XXXX, and MOHELA ) have all been major factors in my inaccuracies. But my battles started when I first noticed the errors in XXXX, but every time I think I am getting close to resolving my reporting issues my loan servicers change

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

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 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 2025-05-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Dear CFPB Representative, I, XXXX XXXX XXXX XXXX XXXX XXXX am demanding the immediate deletion of one or more collections accounts listed on my credit report. These accounts are being reported without my authorization, without legal substantiation, and in direct violation of federal law.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), any information that is not verified with 100 % accuracy and legal backing must be removed without delay. I am not requesting validationI am notifying you that this information fails to meet the federal standard of verifiability and accuracy and must be eliminated immediately. 

Further, per CFPB Regulation V ( 12 CFR Part 1022 ), furnishers of data are held to the standard of maximum possible accuracy. Reporting alleged debtsoften sold, transferred, or assigned without the original contract or legal chain of custodyis not only deceptive, but unlawful under consumer protection statutes. 

The continued presence of these unverified and unauthorized collections accounts on my credit profile constitutes willful noncompliance with federal law and is damaging to my financial integrity. I will not tolerate this violation of my rights. 

The following accounts must be permanently deleted from all credit reports without further notice : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address I expect a timely response and resolution in accordance with federal law. Thank you for your attention to this matter. 

Sincerely, 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 2025-05-16 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: CA

Complaint narrative:
THERE ARE SOME FRADULENT INQUIRIES ON MY CREDIT REPORT THAT CREDIT BUREAUS MUST REMOVE : FRAUDULENT INQUIRIES ARE : XXXX ( XXXX XXXX  2024 ) XXXX XXXXXXXX XXXX  ( XXXX XXXX 2024 ) XXXX XXXXXXXX ( XXXX XXXX 2024 )

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 2025-05-16 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: GA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc.
State: NJ

Complaint narrative:
I paid off my Sezzle account in full on XX/XX/year>, through their collection agency XXXX. The company confirmed that the balance was {$0.00} and that no further collection attempts would be made. 

However, since then, Ive received multiple new collection notices from XXXX for different Sezzle account numbers, all claiming I owe new balances. These appear to be duplicate or recycled debts, even though I already paid and have confirmation of full settlement. 

I contacted Sezzle and XXXX multiple times, asking for an explanation and validation of the new balances. They failed to provide clear answers and continue to send new notices tied to different account numbers. I also requested that Sezzle delete my account and correct any inaccurate credit reporting they refused. 

I am requesting an investigation into these repeated collection attempts, a refund of any duplicate payments, and deletion or correction of all affected accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I was moving to my new apartment and i always put change of address on my car bill for so many times but they still failed to send it to me, and I called them to let them know my situation and they said theyll fix it but the last time still the same after I called them, they said that they send it to my old address and told me that they will email me for the billing but then until now Id still dont get the email. I just dont understand why they dont send me my billing since Im paying them on time and I dont have late payments. I am so frustrated right now and I hope that you guys can help me. It was the Toyota financial Services and this is there phone no XXXX ( XXXX ) XXXX and this is regarding my Toyota XXXX XXXX  which until now Im still paying them with a balance of XXXX something!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : FSTPROGRESS # XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian A+ FEDERAL CREDIT XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian GLOBAL LENDING SERVICE XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX AUTO XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-05-16 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. here is the item i am asking you to verify as accurate account XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I HAVE NUMEROUS INCORRECT NAME VARIETIES, ADDRESSES, AND PHONE NUMBERS THAT ARE NOT MINE NOR BELONG TO ME. 
FRAUDULENT NAMES : XXXX XXXX XXXX, XXXX, XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX MY ONLY AND LEGAL NAME IS XXXX XXXX XXXX MY CURRENT AND VALID ADDRESS IS XXXX XXXX XXXX  XXXX XXXX CA XXXX MY CURRENT AND ONLY PHONE NUMBER IS ( XXXX ) XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I HAVE NUMEROUS INCORRECT NAME VARIETIES, ADDRESSES, AND PHONE NUMBERS THAT ARE NOT MINE NOR BELONG TO ME. 
FRAUDULENT NAMES : XXXX XXXX XXXX, XXXX, XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX MY ONLY AND LEGAL NAME IS XXXX XXXX XXXX MY CURRENT AND VALID ADDRESS IS XXXX XXXX XXXX  XXXX XXXX CA XXXX MY CURRENT AND ONLY PHONE NUMBER IS ( 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 2025-05-16 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: NC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-16 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-05-16 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: SC

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-05-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: MA

Complaint narrative:
This letter serves as a final, formal demand for the immediate removal of the {$700.00} collection account you have reported to the credit bureaus under my name, allegedly on behalf of XXXX XXXX XXXX XXXX XXXX I have no knowledge of this debt, did not receive any prior notice, and was not informed of my right to dispute the debt, as required by law.

This is a clear and willful violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), which mandates that debt collectors must notify consumers in writing within 5 days of first contact of their right to dispute the debt within 30 days. Your failure to do so has denied me due process and directly harmed my credit standing.

Moreover, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information are required to report only accurate and verifiable information. Continuing to report this unverified debt, which I never had a fair opportunity to review or challenge, is a knowing violation of federal law.

As a resident of Massachusetts, I am also protected by M.G.L. c. 93A and 940 CMR 7.00, which further prohibit deceptive, unfair, and misleading debt collection and credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-05-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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