vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
This loan was to be forgiven due to the school shutting down/vanishing without a trace. XXXX XXXX was on the list for loan forgiveness due to closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IN MY EXPERIAN, XXXX XXXX XXXX XXXX CREDIT REPORTS IT IS SHOWING FOLLOWING FRAUDULENT ACCOUNT I AM REQUESTING TO REMOVE IT FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2025-04-07 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: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
Subject : Inaccurate credit reporting from Bull City Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Details : I am disputing three accounts on my XXXX credit report that contain inaccurate and outdated information, which I have previously disputed multiple times without proper resolution. 
1. Bull City Financial XXXX XXXX XXXX XXXX ) : This collection account was paid in full, yet it is still being reported as open and unpaid. I have disputed this multiple times through XXXX and have not received any correction or verification. This is a violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This loan is being reported with an incorrect opening date and delinquency history. The account is over XXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting it as if it was opened in the last few years, which is misleading and negatively affecting my credit history. I have not been provided verification or correction after multiple disputes. 
XXXX XXXX XXXX XXXX  : I am currently paying this account under an agreement, but XXXX continues to report it as charged off with a full balance, which is inaccurate and misrepresents the current status. I have not received any response or correction. 

I am requesting that the CFPB require these furnishers to verify the accuracy of this information or remove it from my credit report. I am exercising my rights under the Fair Credit Reporting Act to have only accurate, complete, and verifiable information included in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : TransUnion 1. XXXX XXXX XXXXXXXX XX/XX/XXXX4 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-04-07 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: Federated Student Loan Services
State: FL

Complaint narrative:
Subject : Inaccurate credit reporting from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXeport Details : I am disputing three accounts on my XXXX credit report that contain inaccurate and outdated information, which I have previously disputed multiple times without proper resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This collection account was paid in full, yet it is still being reported as open and unpaid. I have disputed this multiple times through XXXX and have not received any correction or verification. This is a violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This loan is being reported with an incorrect opening date and delinquency history. The account is over XXXX XXXX XXXX, but XXXX is reporting it as if it was opened in the last few years, which is misleading and negatively affecting my credit history. I have not been provided verification or correction after multiple disputes. 
XXXX. XXXX XXXX XXXX : I am currently paying this account under an agreement, but XXXX continues to report it as charged off with a full balance, which is inaccurate and misrepresents the current status. I have not received any response or correction. 

I am requesting that the CFPB require these furnishers to verify the accuracy of this information or remove it from my credit report. I am exercising my rights under the Fair Credit Reporting Act to have only accurate, complete, and verifiable information included in my credit history.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-07 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: American Credit Acceptance, LLC
State: FL

Complaint narrative:
Subject : Inaccurate credit reporting from XXXX XXXX XXXX, American Credit Acceptance, and XXXX XXXX XXXX XXXX XXXX XXXX  report Details : I am disputing three accounts on my XXXX credit report that contain inaccurate and outdated information, which I have previously disputed multiple times without proper resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This collection account was paid in full, yet it is still being reported as open and unpaid. I have disputed this multiple times through XXXX and have not received any correction or verification. This is a violation of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This loan is being reported with an incorrect opening date and delinquency history. The account is over XXXX XXXX XXXX, but XXXX is reporting it as if it was opened in the last few years, which is misleading and negatively affecting my credit history. I have not been provided verification or correction after multiple disputes. 
3. American Credit Acceptance : I am currently paying this account under an agreement, but XXXX continues to report it as charged off with a full balance, which is inaccurate and misrepresents the current status. I have not received any response or correction. 

I am requesting that the CFPB require these furnishers to verify the accuracy of this information or remove it from my credit report. I am exercising my rights under the Fair Credit Reporting Act to have only accurate, complete, and verifiable information included in my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding a credit reporting issue that has not been resolved despite proper procedural steps being followed. On XX/XX/XXXX, an unauthorized credit inquiry was submitted to my XXXX, XXXX, Equifax. credit file by XXXX XXXX XXXX in connection with a vehicle application allegedly submitted atXX/XX/XXXXXXXX for a XXXX XXXX XXXX. 

I did not authorize or consent to this credit inquiry, and XXXX XXXX XXXX has acknowledged this in a formal response submitted to the XX/XX/XXXX which I have attached for your reference. In their statement, XXXX XXXX XXXX confirms : They were unable to obtain proof of a signed application from XX/XX/XXXXXXXX XXXX ; They submitted a credit inquiry deletion request to XXXX, XXXX, Equifax, on my behalf ; They apologized for the inconvenience and directed me to contact XXXX to confirm the deletion. 

Despite this, XXXX has failed to remove the unauthorized inquiry from my credit file. This inaction is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purposes of Consumer Reports A consumer reporting agency may only furnish a consumer report with the written authorization of the consumer. I never gave such consent.

FCRA 611 ( 15 U.S.C. 1681i ) Procedure in Case of Disputed Accuracy I properly disputed this unauthorized inquiry and provided supporting documentation, yet the bureau failed to correct or delete the inaccuracy within the required 30-day timeframe.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Civil Liability Under these sections, a consumer has the right to seek damages for willful or negligent noncompliance with FCRA.

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 2025-04-07 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding a credit reporting issue that has not been resolved despite proper procedural steps being followed. On XX/XX/XXXX, an unauthorized credit inquiry was submitted to my XXXX, XXXX, Equifax. credit file by XXXX XXXX XXXX in connection with a vehicle application allegedly submitted atXX/XX/XXXXXXXX for a XXXX XXXX XXXX. 

I did not authorize or consent to this credit inquiry, and XXXX XXXX XXXX has acknowledged this in a formal response submitted to the XX/XX/XXXX which I have attached for your reference. In their statement, XXXX XXXX XXXX confirms : They were unable to obtain proof of a signed application from XX/XX/XXXXXXXX XXXX ; They submitted a credit inquiry deletion request to XXXX, XXXX, Equifax, on my behalf ; They apologized for the inconvenience and directed me to contact XXXX to confirm the deletion. 

Despite this, XXXX has failed to remove the unauthorized inquiry from my credit file. This inaction is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purposes of Consumer Reports A consumer reporting agency may only furnish a consumer report with the written authorization of the consumer. I never gave such consent.

FCRA 611 ( 15 U.S.C. 1681i ) Procedure in Case of Disputed Accuracy I properly disputed this unauthorized inquiry and provided supporting documentation, yet the bureau failed to correct or delete the inaccuracy within the required 30-day timeframe.

FCRA 616 & 617 ( 15 U.S.C. 1681n & 1681o ) Civil Liability Under these sections, a consumer has the right to seek damages for willful or negligent noncompliance with FCRA.

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 2025-04-07 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: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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 AND XXXX XXXX XXXX UNKNOWN ACCOUNT, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
On XX/XX/XXXX I brough my car to XXXX XXXX XXXX and requested they swap my XXXX and XXXX XXXX ( XXXX total ) to LED lights. They quoted and charged me {$650.00} up front and installed the new lights within a few hours. After they were done XXXX told me " we didn't have the lights we quoted you for so we installed brighter ones. '' I thought this was a good thing however within XXXX mins of driving away from the shop my XXXX were completely dead. When I brought it back they replaced my old XXXX which now looked far dimmer than when I bought the car. They told me they would have to order a wiring harness to add the LED lights back on as the lights they installed were overloading my computer. They never did this and when I called and try to get them to resolve the issue XXXX the owner told me I would have to purchase a sound system costing over XXXX before he would attempt to rectify the issue. Essentially stating he wouldn't fix the issue unless I funnelled them more money than what I was originally quoted and he got angry at me and became disrespectful when I simply asked if I could have what I paid for. I then filed a dispute about the charge with current bank providing them with the incident details and the receipt information and in a matter of weeks Current ( my XXXX ) denied my dispute and refused to refund me my money. This is outright theft. I was charged XXXX and now my car is worse off than when I brought it in originally. This store is a scam. Just check their XXXX reviews to see how often they scam people. Current not refunding me is a travesty of justice and they made no effort to truly investigate the matter. I am a XXXX XXXX  veteran living on a XXXX check with a limited income and no way to earn extra money. please help me resolve this :/

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXX **** Balance Owed : {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
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 XXXX **** Balance Owed : {$2800.00}

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LoanCare, LLC
State: MI

Complaint narrative:
My loan care mortgage has been paid off no longer should not report derogatory on my credit report. I want to know XXXX  XXXX XXXX XXXX sold my debt too.

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 2025-04-07 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: IL

Complaint narrative:
I am filing a complaint against Experian, TransUnion, and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian, TransUnion, and Equifax consistently respond within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians, TransUnions, and Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian, TransUnion, and Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following accounts are inaccurate : 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 2025-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently viewed my credit report and noticed that there are fraudulent accounts and credit cards that were open in my name and not to my knowledge. Please can you remove these fraudulent accounts from my credit report as they are not accurate, and they are hurting my credit score and chances of obtaining credit.

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 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief