vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: GA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXXXXXX 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, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX 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 XXXXXX/XX/XXXX, Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$580.00} 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 XXXXXX/XX/XXXX, Balance : {$580.00} INQUIRIES : 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 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 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 2025-06-24 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: NC

Complaint narrative:
In XX/XX/year>, I was notified that my account was past due via email. On XX/XX/year>, I submitted an income driven repayment through studentaid.gov. The screen at that time showed an administrative forbearance would be placed on the account. However, my credit report showed delinquencies for XXXX, XXXX, and XXXX which prompted me to call in XXXX to inquire as to what was going on. 

When I called Mohela ( the servicer ) on XX/XX/year>, I was informed a forbearance should have been on the account since the Income Driven Repayment application was submitted on XX/XX/XXXX. Which means I should not have missed/late payments reported in XXXX or XXXX. The representative I spoke with stated this would be fixed and also that a 60 day forbearance would be placed and I would need to call back if my application hadn't been processed in that 60 day window for the forbearance to be extended another 60 days. 

Now, I received another late/missed payment for XXXX and XXXX which prompted me to call Mohela again XXXX XX/XX/year>. This representative again confirmed that there should have been a forbearance placed since XXXX and confirmed that no forbearance had been added to that point. They confirmed they are placing the forbearance on the account and that I would need to call back on XX/XX/year> to have it extended if the application had not been processed by then. They also stated Mohela doesn't do goodwill reporting, however this is not goodwill reporting. Mohela inaccurately reported delinquencies which tarnished my payment history for the past XXXX months.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Subject : Pre-Arbitration Notice Formal Dispute Concerning XXXX XXXX XXXX XXXX Account XXXX XXXX Dear TransUnion Dispute Department, This letter serves as a formal pre-arbitration notice in accordance with TransUnions Arbitration Clause and pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Disputed Account Information : Creditor : XXXX XXXX XXXX XXXX Account Number ( Partial ) : XXXX Date of Birth : XXXX Last Four of SSN : XXXX Nature of Dispute : TransUnion is reporting inaccurate and/or unverifiable information regarding the above-referenced account. I previously submitted a formal dispute requesting reinvestigation, yet TransUnion has failed to : 1. Ensure maximum possible accuracy in reporting, as required under 15 U.S.C. 1681e ( b ) ; 2. Conduct a reasonable reinvestigation of the disputed information, per 15 U.S.C. 1681i ( a ) ; 3. Provide the method of verification used to confirm the accuracy of this account, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The continued reporting of inaccurate and unverifiable information constitutes either willful noncompliance under 15 U.S.C. 1681n or negligent noncompliance under 15 U.S.C. 1681o.

Notice Under Arbitration Agreement : Pursuant to TransUnions Terms of Use, which states : If you have a dispute with TransUnion, you must first give us an opportunity to resolve your claim by sending a written description of your claim to : TransUnion Customer Relations, XXXX. XXXX XXXX, XXXX, PA XXXX. 

This letter serves as that formal pre-arbitration notice. If this matter is not resolved within 30 days of TransUnions receipt of this notice, I will proceed to file a binding arbitration claim with the XXXX XXXX XXXX XXXX XXXX ) in accordance with TransUnions consumer agreement. 



Please take this matter seriously and act accordingly.

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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was involved in XXXX XXXX and a violation of my rights and exploitation. The dates are listed in the notice that I will upload.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a debt collection letter from Source Receivables Management claiming I owed approximately {$2800.00} for a XXXX XXXX account. I disputed the debt in writing by checking Not my debt on the form and returning it promptly. 

Source Receivables Management did not respond with any documentation until nearly XXXX months later, and what they sent did not constitute proper debt validation. It only included a short list of XXXX transactions from XXXX and no signed contract, no complete itemized statement, and no proof that I am responsible for the debt. 

Despite my dispute, the company has continued to report the debt to the credit bureaus, which is a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that Source Receivables Management : Cease reporting this disputed debt to credit bureaus, Stop all collection activity until proper validation is provided, And provide full documentation showing that I owe the alleged amount, including a complete account history and proof of assignment or ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
To Whom It May Concern, Please help to identify the charges of put on me by the XXXX XXXX. I applied with XXXX XXXX in XX/XX/XXXX for the amount of {$3600.00} with 35.98 %. 
Ive been paying diligently on a monthly basis and acquired {$340.00} in late fees regardless. As of XX/XX/XXXX, when Ive fallen back on my payments due to the job loss due to the nationwide job cuts, balance was {$3200.00}. My account was referred to XXXX XXXX XXXX by XXXX XXXX as of XX/XX/XXXX with additional interest in legal fees totaling {$700.00} which is XXXX annum ( per year ) {$2.00} per day ( letter to be provided ). I have been brought to court XXXX XXXX, XXXX where I agreed to the judgement. Prior to the court date, neither XXXX nor XXXX XXXX himself or his firm clarified what were the charges for simply legal fees, like filing, etc. and after the court date, XX/XX/XXXX, I have been added another set of approximately {$700.00} by XXXX firm without any explanation, saying that this is what I have agreed to in court, which is a lie. 

I really wanted to continue being a valued customer to XXXX XXXX instead of dealing with such an unlawfully treating company. 

I initiated all my conversations as of XXXX, when I got back to work, and appeared in court to see and hear in person what I am agreeing to in order to understand. The judge asked me exactly to agree to the legal charges and fees of that amount that I agreed to. 

Even though I havent gotten any clarification in regard to the extra {$700.00} on my account, I still wanted to get back on my payment plan. After the court, XXXX XXXX clearly told me that there will be no extra legal fees to my account. This is not what his assistant XXXX told me next day when I called in the office to set up a payment plan when I asked what are the extra charges to my account ; instead, she told me that shes already explained everything and not going to go to into the heated conversation with me again. I asked on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX to speak to XXXX XXXX to explain whats happening and every time they told me that he is not available and most likely will not be able to assist with any of my questions and would most likely referred to XXXX who she was not being his assistant anyway. 

Please assist in resolving the matter in a lawful way. I have all the needed document to see my charges both on XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CNG HOLDINGS INC
State: FL

Complaint narrative:
XXXX Now which is also Tempoe, was just removed from my transunion report just recently. Transunion allowed tempoe to go back on my credit report at transunion by using another debt collection agency. Which they fully admitted. After the fines tempoe received, this should have never even been on my credit report. So after acceptance now is removed, which is tempoe, tempoe uses another collection agency to get back on my credit report with transunion. Even after talking with the rep from transunion who clearly saw it was tempoe, they inquire with them and DO NOT remove it! This is ridiculous. The next step will be my attorneys reaching out to the XXXX. Only transunion would allow such fraud. Its taken nearly XXXX years after my divorce to improve my credit. I was recently at around XXXX. After all this fraudulent attempts by tempoe, my credit score has suffered immensely. Please have this removed asap from my transunion credit report. Your attention to this matter is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-24 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-06-24 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: VA

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the validity of a collection account currently being reported by your agency, IC System, on my credit report. Upon reviewing my credit report in preparation for purchasing a home, I was surprised to find this collection account. I previously held an account with XXXX XXXX XXXX  and requested cancellation of the service, which Charter confirmed via email. At the time of cancellation, I was informed that my balance was {$0.00}. Per their instructions, I also returned all required equipment in a timely manner. Since then, I have not received any communicationvia phone, email, or XXXX XXXX or any debt collector regarding any outstanding balance. This collection account was reported without my knowledge or any prior notice and is currently having a serious negative impact on my creditworthiness and my ability to secure a home loan. Given the circumstances and my belief that this debt was reported in error, I am requesting that this collection account be removed from my credit report immediately, as required under the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-06-24 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NE

Complaint narrative:
This document serves as my compliant regarding unauthorized and fraudulent accounts that are appearing on my credit report. Under the FCRA law I demand my rights to dispute and request these following accounts to be removed and corrected. These are the unlawful accounts that I DEMAND to be removed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the UNLAWFUL inquiries to be removed. 
XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. These accounts are UNLAWFUL and I DEMND that these accounts are removed.

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