vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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 am contacting you regarding an incorrect credit card account showing on my credit report. This new credit card, reported with an outstanding balance, does not belong to me. Despite numerous attempts contacting both Experian and XXXX XXXX  by phone, neither party has been able to locate this account in my records or resolve the issue. Meanwhile, my credit score continues to be negatively affected. 

I respectfully request an immediate investigation and removal of this incorrect information from my credit report. Please provide written confirmation once this has been resolved. 

Thank you for your prompt attention to this matter.

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 2025-04-02 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: PA

Complaint narrative:
I am demanding immediate deletion of a XXXX XXXX XXXX account ( # XXXX ) from all three credit reports due to multiple and egregious violations of federal law. The account was charged off and reported as a profit and loss write-off, yet the company continues to report an active balance of {$16000.00} with no monthly payments a contradiction that violates XXXX XXXX guidelines and misleads lenders. 

Furthermore, there are inconsistent data points across credit bureaus : High credit limit is reported as {$18000.00} to TransUnion and Experian, but only {$13000.00} to Equifax.

No monthly payments are reported despite an active derogatory balance misleading and inaccurate under the Fair Credit Reporting Act 623.

Additionally, based on IRS Publication 6050P, this account appears to be partially forgiven or discharged and may fall under 1099-C debt cancellation rules, meaning Capital One should not be reporting it as collectible. I have never received a 1099-C nor was I notified.

This account was previously disputed, and XXXX XXXX continued to report it with derogatory language and status updates without proper investigation or dispute disclosure ( FCRA 1681s-2 ( a ) ( 3 ) ). This is deceptive, inaccurate, and damaging. 

This is a clear failure to maintain accurate reporting, and I am requesting immediate deletion of this account from TransUnion, Experian, and Equifax. Failure to act on this complaint will result in further legal escalation and formal notice of intent to litigate for FCRA and FDCPA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I disputed this account on XX/XX/year> on this date for this reason XXXX  completed their investigation and I am requesting description of the procedure that used determine the accuracy and accuracy and completeness of the information that I disputed. Who did XXXX  interview, regarding this account, how did to determine this. 

In according of the Fair Report Act, this creditor has violated my rights, under the XXXX XXXX XXXX Section XXXX State I have a right to privacy. 

Under XXXX XXXX XXXX XXXX, a creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose. 

Account No # XXXX Date of the reported- XX/XX/year> Activity Designator - Transfer/Sold Charge off amount {$33000.00} Exeter XXXX XXXX XXXXXXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
My federal student loans were transferred to Mohela and were completely mismanaged from the start. I was placed on forbearance, which ended in XX/XX/XXXX. However, I was never notified that my forbearance had ended or that I was expected to resume payments. I did not receive any billing statements, due date reminders, or alerts via email, phone, or mail. 

Mohela continued to send communications to outdated and inaccessible contact information. The phone number on file belonged to my late mother, who passed away in XXXX, and the email address linked to the account is one I no longer use. I also never set up or accessed my Mohela online account, so I was completely unaware they were posting important messages to a portal I never logged into or knew existed. 

Due to this serious lack of proper notification, all XXXX of my loan accounts were marked as missed in XX/XX/XXXX and reported as being over 160+ days late to the credit bureaus. This single reporting event has severely damaged my credit score, undoing over 12 years of responsible credit building. I only became aware of the issue when I reviewed my credit report in XX/XX/XXXX. 

I immediately contacted Mohela and explained the situation in detail. Despite the clear breakdown in communication and failure to use valid contact methods, the representative informed me that nothing could be done and offered no further assistance or escalation. 

I am sincerely requesting that all late payment notations for XX/XX/XXXX be removed from my credit reports across all bureaus. 

I believe this situation reflects a clear servicing error and a failure of duty to properly notify a borrower of changes to loan status. I should not be penalized for missed payments I was never given a fair opportunity to make. After speaking with a Mohela representative in XX/XX/XXXX, I immediately took responsibility and created a financial plan to bring my account currentan opportunity I was never given before due to their lack of communication. Had I been properly notified, I would have taken these steps much earlier to avoid any negative impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I am filing this complaint due to the continued reporting of an outdated, obsolete, and inaccurately documented account by XXXX to TransUnion, Experian, and Equifax. 

This account ( Account # : XXXX ) was opened in XXXX and was paid and closed as of XXXX, with no derogatory status or outstanding balance since that time. Despite this, the account is still being reported with inconsistent closure comments and unnecessary dispute notations across the credit bureaus. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605 ( a ) ( 4 ) Reporting exceeds 7 years without valid reason.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing conflicting and inaccurate information across bureaus.

FCRA 611 Dispute language remains, even though there is no active dispute.

FCRA 604 Reporting serves no permissible purpose for a paid/closed account with XXXX balance. 
This inaccurate and obsolete data negatively impacts my creditworthiness and is a clear violation of my consumer rights under federal law. I demand that this account be immediately deleted from all three credit bureaus to comply with federal consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Late payments are being reported inaccurately and need to be deleted from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
These XXXX  closed my account without my permission. You must force them to reopen it and give me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TN

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint due to the continued reporting of an outdated, obsolete, and inaccurately documented account by XXXX to TransUnion, Experian, and Equifax. 

This account ( Account # : XXXX ) was opened in XXXX and was paid and closed as of XXXX, with no derogatory status or outstanding balance since that time. Despite this, the account is still being reported with inconsistent closure comments and unnecessary dispute notations across the credit bureaus. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 605 ( a ) ( 4 ) Reporting exceeds 7 years without valid reason.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing conflicting and inaccurate information across bureaus.

FCRA 611 Dispute language remains, even though there is no active dispute.

FCRA 604 Reporting serves no permissible purpose for a paid/closed account with XXXX balance. 
This inaccurate and obsolete data negatively impacts my creditworthiness and is a clear violation of my consumer rights under federal law. I demand that this account be immediately deleted from all three credit bureaus to comply with federal consumer protection statutes.

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 2025-04-02 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: FL

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 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 2025-04-02 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 am submitting a complaint against Transunion for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. & 1681 ( 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 non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-02 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: NC

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$730.00} XXXX XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$3300.00} XXXX  XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$68.00} XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-02 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: TX

Complaint narrative:
I am sending to formally address discrepancies in my credit report and request a fair resolution. I respectfully ask that you review and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 

XXXX XXXX BALANCED {$600.00} XXXX XXXX XXXX balanced {$170.00} XXXX  XXXX XXXX balanced {$3000.00} - XXXX XXXX XXXX XXXX XXXX  XX/XX/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items on my credit report. If any item can not be verified with concrete evidence, I ask for its immediate removal to avoid any inaccuracies that may adversely impact my credit standing.

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 2025-04-02 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: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-02 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
These accounts have resulted in fraudulent XXXX  score reductions, fraudulent hard inquiries appearing on my consumer credit report, and fraudulent reporting to my consumer file. 

I have attached a redacted and notarized police report as well as a copy of the FTC Identity Theft Affidavit with this complaint. Given the fraudulent nature of these accounts, I demand that you remove all accounts, collections, or hard inquiries as identified above from my consumer credit report. 

All of the above-referenced accounts, collections, and hard inquiries are the result of identity theft and fraud and have not been opened by myself, nor have I authorized any party to open said accounts on my behalf. I demand that all items related to identity theft and fraud be permanently deleted from my consumer credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ).

If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to third parties, you are damaging my reputation and creditworthiness.

Company response to consumer: Closed with explanation