vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX I filed and a dispute and each time the credit bureau sends and email that states that it appears that I have had a third party file the dispute or the documentation is not legible. I believe this is just a stall tactic to remove the inquires.

When I call the number they repeat what was said in the picture attached even when I explain to them I am the one who has sent the dispute.

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 2025-05-08 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: CA

Complaint narrative:
I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. I want my credit report to only reflect accurate information, which is why its important all data is verified. These inaccurate items are in pending litigation due to reporting errors on my report. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. CXXXXe XXXX ( a ).

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 2025-05-08 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: MN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
XXXX XXXX continues to deliberately mislead creditors by reporting a paid in settlement account, it shows : charged off, " paid in settlement- {$2900.00} written off ''. When asked to validate the debt with all information, it was not provided and blatantly ignored. 


Under the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), any information furnished to a credit bureau must be accurate and complete. Reporting a charge-off on a debt that was settled, potentially securitized, and/or already written off for tax benefits is inaccurate, incomplete, and deliberately misleading. It falsely inflates negative information on my consumer report in direct violation of federal law. 
If this debt has been charged off and written down as a tax loss under 26 U.S. Code 166, then the creditor has likely received the benefit of a deduction, and any continued reporting of this debt as collectible is deceptive and legally questionable. Furthermore, if the debt has been securitized or sold, and no longer exists as a balance owed to the original creditor, then its continued presence on my report constitutes willful misrepresentation. Additionally, per 15 U.S. Code 1681i, you are required to conduct a reasonable investigation within 30 days. I am demanding the full chain of title, accounting of the charge-off, proof of ownership, and tax treatment of this debt. If you can not validate every detail, this item must be permanently deleted from all reporting. 



ALL ATTACHMENTS ARE CLEAR.

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 2025-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
To Whom it May Concern, I am writing to inform you about the company " Mohela '' which services my federal student loans. In XX/XX/XXXX, my student loans were transitioned from Mohela to a new XXXX XXXX XXXX service platform. I was placed in a mandatory XXXX processing forbearance to make the transition happen where I could not make payments. Since then, my account has been in an involuntary forbearance in which I am unable to make payments. In XX/XX/XXXX, I applied to be moved to a different payment plan ( XXXX XXXX XXXX ). The company did not process my application at that time. I re-applied in XX/XX/XXXX and was approved for the new payment plan in XX/XX/XXXX with my first payment being due XX/XX/XXXX. I made a payment of {$100.00} in XX/XX/XXXX. In XX/XX/XXXX, I was unknowingly moved back into Forbearance with no communication from Mohela and again I am unable to make payments. I have called XXXX times to inquire about why my account has been moved back into this involuntary forbearance. The total hold time on the phone was XXXX HOURS. On XX/XX/XXXX I spoke to a customer service agent who said my loans will be moved back into repayment within XXXX days and today on XXXX there is still a forbearance on my account. I believe because I am in the " Public Service Loan Forgiveness Program '' where if you work XXXX  years ( XXXX  months ) in the public service sector any remaining student loan balance is forgiven, that Mohela is actively obstructing my ability to make payments. Any months in forbearance do not count toward the program. This company Mohela is mismanaging my loans and I will seek legal recourse if it is not resolved in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them XXXX  was unaware of their existence. In accordance with XXXX XXXX, please delete them within XXXX days. Supporting documents are enclosed.

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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be 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
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this formal complaint to dispute and demand immediate correction of inaccurate, outdated, and conflicting personal identifying information being reported by the XXXX major credit bureaus : TransUnion, Equifax, and Experian. This information is severely compromising the integrity of my credit file and directly violating my rights under the Fair Credit Reporting Act ( FCRA, 15 USC 1681g & 1681e ( b ) ), which requires all data furnished to be accurate, complete, and verifiable. 

As of my latest credit disclosures ( dated XX/XX/year> ), the following inaccurate or conflicting personal data is being reported : Multiple variations of my name : ( e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, etc. ) My only legal name is XXXX XXXX XXXX XXXX, as shown on my attached XXXX photo ID. 

Multiple or conflicting addresses The only accurate and current address is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incomplete Social Security Number My correct SSN is XXXX Incorrect or missing employer My only valid and current employer is : XXXX XXXXXXXX XXXX These errors are not only inaccurate they are damaging and negligent. The FCRA requires that credit bureaus maintain maximum possible accuracy in consumer files ( 15 USC 1681e ( b ) ), and this standard is clearly not being met. Any continued reporting of incorrect identifiers creates a risk of identity confusion, misattribution of data, and denial of credit based on inaccurate consumer profile information.

Special Note Regarding Experian : While Experian is currently maintaining an active personal file on me containing my name, date of birth, address, and partial SSN they have failed to generate a credit score or furnish full disclosure of the report file as required by FCRA 1681g ( a ). If Experian holds a file on a consumer, it must provide a complete consumer report upon request, including the score used or maintained.

I hereby demand that Experian immediately provide my complete consumer disclosure and credit score, as required by federal law, or issue a formal declaration stating that no score is available and explain why.

Requested Action : I demand that TransUnion, Equifax, and Experian : Remove all inaccurate names, addresses, and identifiers that do not match my legal identity.

Correct my SSN, employer, and current address to reflect the accurate and verifiable information provided with this dispute. 

Provide documentation confirming these changes and a clean, corrected report. 

( In the case of Experian ) Immediately furnish my credit score and complete file. 

Attached are copies of my government-issued ID, full SSN, and supporting documents showing my verified 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AR

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: VA

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 non-monetary relief
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Urgent Request for Immediate Removal of Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. 

I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiry must be removed immediately : XXXXXXXX XXXX  ( Bank ) Opened Date : XXXX XXXX, XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : XXXX. FTC Identity Theft Report XXXX. Copy of my government-issued This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. 

I can be reached at the contact information above if further clarification is needed. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 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 2025-05-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: MD

Complaint narrative:
I have a debt settled with XXXX XXXX for {$4100.00}. The original amount was {$5900.00}. I made the biweekly payments to Beyond Finance. I have the screenshot of the Beyond Finance app that the debt was paid off but XXXX XXXX took adverse action against me and collected money from my account saying I breached the contract and i owe the full amount plus interest. I reached out to Beyond Finance multiple times and I finally figured out they missed a payment to XXXX XXXX. So i owe an additional {$2200.00} to XXXX XXXX. 
So far i have paid over {$6000.00} in fees to Beyond Finance to handle my debt. They should be paying the XXXX XXXX loan not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed XXXX  what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails XXXX  comply with consumer protection requirements may be liable XXXX the affected consumer for damages, including potential punitive measures XXXX reimbursement of legal costs. This underscores the importance of addressing XXXX rectifying this matter promptly XXXX  responsibly.

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 2025-05-08 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: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I paid my payment on time. My payment was due XX/XX/XXXX. I made my payment. I even got confirmation. I waited and waited for my payment to come out of my bank account. XX/XX/XXXX I looked my credit card account up trying to figure out why I didn't see the charge of my checking account from the credit card. So I looked at my activity for the credit card it shows my bill was paid. They charged me a late fee on the same day my card was paid.well it was paid on time. So there shouldnt have been a late fee. So I wrote a complaint about this place double charging me and you guys sided with them. Nothing was done. I have screen shots.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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