vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I disputed inaccurate derogatory information reported by XXXX XXXX XXXX to TransUnion, specifically a 90-day late payment and a {$6700.00} charge-off, both of which are factually incorrect. The vehicle loan was paid in full and closed as confirmed by a statement issued by XXXX XXXX XXXX XXXX on XX/XX/XXXX. I submitted this payoff documentation during my dispute and requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), including supporting documents and validation from the furnisher, per 15 U.S.C. 1681i ( a ). 

On XX/XX/XXXX, TransUnion responded with superficial updates to remarks and high balance fields, yet failed to correct the charge-off or the 90-day delinquency, both of which remain inaccurately on my credit report. I also requested an explanation of their verification procedures and the evidence relied upon, as permitted under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), but received no such disclosure. 

This reporting remains materially misleading and damaging, despite XXXX  having already removed the derogatory marks from my report. TransUnions failure to conduct a reasonable reinvestigation and correct known inaccuracies constitutes a violation of their statutory duty under FCRA 1681e ( b ) and 1681i. I request full redress : deletion of the inaccurate charge-off and late payment, written confirmation of correction, and a full description of their reinvestigation procedures and evidentiary findings.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-05-27 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: OH

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-05-27 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1200.00} INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I am writing to file a formal complaint against MOHELA for its ongoing failure to accurately process and report the full forgiveness of my federal student loans under the Public Service Loan Forgiveness ( PSLF ) Program. 

In XX/XX/XXXX, I received confirmation from the XXXX XXXX XXXX XXXX that my federal student loans had been fully forgiven through PSLF. However, MOHELAthe servicerfailed to apply forgiveness to XXXX of the XXXX loans included in the discharge. As a result, they continue to report an inaccurate outstanding balance for a loan that has been officially forgiven. 

Since XX/XX/XXXX, I have contacted MOHELA multiple times after receiving an erroneous forgiveness letter. Ive been assured repeatedly by customer service and managers that the issue would be resolvedfirst within XXXX business days, then XXXX, then XXXX. To date, the error remains unresolved. 

XXXX XXXX XXXX XXXXXXXX records clearly show that I no longer owe any federal student loans. MOHELAs failure to update its internal recordsand their continued reporting of incorrect informationhas caused undue stress, undermines the integrity of the federal loan servicing system, and exposes me to potential harm to my credit standing and financial well-being. 

I also submitted formal disputes with all three credit reporting agencies. While XXXX reviewed my documentation and removed the MOHELA account from my credit report, XXXX XXXX XXXXx denied my dispute based solely on MOHELAs false assertion that the debt is valid. This means that despite having clear federal documentation that my loans were fully XXXX, inaccurate loan balances continue to appear on XXXX of my credit reports due to MOHELAs failure. 

I am urgently requesting that your office investigate this matter and compel MOHELA to : * Correct its internal records to reflect full forgiveness of all loans included in the PSLF discharge. 

* Accurately report the {$0.00} balance to all credit reporting agencies. 

* Prevent any further harm to my credit due to this error. 

I am providing documentation -- including the PSLF forgiveness approval notice from XXXX XXXX XXXX XXXX  the inaccurate forgiveness letter from MOHELA, and the XXXX dashboard -- in a final attempt to get the matter corrected. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
I am a victim of identity theft, and TransUnion is reporting multiple fraudulent accounts and unauthorized inquiries on my credit report, despite my formal disputes. The accounts from XXXX, XXXX, and XXXX Card are not mine, and I did not authorize the hard inquiries from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  or XXXX XXXX Additionally, there is an incorrect employer listed XXXX XXXX XXXX which I have never worked for. 

These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which states that a consumer reporting agency must block fraudulent information on a credit report within 4 business days after receiving proper documentation of identity theft.

FCRA Section 611 [ 15 U.S.C. 1681i ], which requires credit bureaus to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days.

I submitted an affidavit with all required documentation, including a copy of my government-issued ID and proof of address, yet TransUnion has failed to investigate and remove the fraudulent data in a timely and lawful manner. 

This ongoing issue is severely impacting my ability to secure a business loan and reopen my small business, which has caused significant financial and emotional stress. I am requesting the CFPBs assistance in enforcing my rights and holding TransUnion accountable for their noncompliance.

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 2025-05-27 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: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late XXXX - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late

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 2025-05-27 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 am filing this complaint regarding inaccurate and unlawful reporting by XXXX. The account in question has been marked as a XXXX with a XXXX status, despite the fact that the balance has been fully resolved and the account is XXXX Furthermore, the payment history continues to reflect late and XXXX XXXX  even after the account was XXXX XXXX XXXX XXXX, which is both misleading and harmful. 



Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be complete and accurate. Continued reporting of negative payment marks after the charge-off date constitutes duplicative derogatory reporting and misrepresents the current status of the account, creating a false and unfair picture of my creditworthiness. 



Additionally, this account is no longer active, yet it remains marked as derogatory with no balance due. This is materially misleading and unverifiable since the original terms and repayment responsibility have ended.

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 2025-05-27 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: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful reporting by XXXX. The account in question has been marked as a XXXX  with a XXXX  status, despite the fact that the balance has been fully resolved and the account is XXXX Furthermore, the payment history continues to reflect XXXX  and XXXX XXXX even after the account was XXXX XXXX XXXX XXXX  which is both misleading and harmful. 



Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be complete and accurate. Continued reporting of negative payment marks after the charge-off date constitutes duplicative derogatory reporting and misrepresents the current status of the account, creating a false and unfair picture of my creditworthiness. 



Additionally, this account XXXX XXXX XXXX XXXX yet it remains marked as XXXX  with no balance due. This is materially misleading and unverifiable since the original terms and repayment responsibility have ended.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unlawful reporting by XXXX. The account in question has been marked as a XXXX  with a XXXX status, despite the fact that the balance has been fully resolved and the account XXXX XXXX Furthermore, the payment history continues to reflect XXXX  and XXXX  marks even after the account was XXXX XXXX XXXX XXXX  which is both misleading and harmful. 



Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be complete and accurate. Continued reporting of negative payment marks after the charge-off date constitutes duplicative derogatory reporting and misrepresents the current status of the account, creating a false and unfair picture of my creditworthiness. 



Additionally, this account is no longer active, yet it remains marked as XXXX  with no balance due. This is materially misleading and unverifiable since the original terms and repayment responsibility have ended.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
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 2025-05-27 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: PA

Complaint narrative:
Please review the file that I uploaded with the details. They are breaking multiple credit reporting laws based on my research.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: OK

Complaint narrative:
DISCOVERBANK has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so DISCOVERBANK does not even own the debt anymore. Which is another inaccuracy for putting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I sent in a debt violation letter asking to verify the information of these debt they listed were mines and accurate! They all came back remains and verified. No letter on explanation how they got that the information was accurate.

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 2025-05-27 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: OH

Complaint narrative:
Due to a data breach that exposed my personal information, fraudulent accounts have surfaced on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete them within 4 days : 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to Experian, requesting a reinvestigation and verification of several accounts reporting inaccurate and harmful information on my credit report. 

Experian later marked these accounts as verified, but did not provide any response to me, nor did they include documentation or the names of the parties who verified the accounts. 

It has now been over 45 days, and Experian has failed to meet its obligation to conduct and communicate the results of a reasonable reinvestigation under FCRA 1681i ( a ). I have waited a sufficient amount of time for a proper response, yet I remain uninformed of the process used to verify these accounts.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
documents with communications and gareement with a name other than my own peraonal or business name were furnished as reasona of denying my claim illegally. 

no documents from merchant for this charge of {$2700.00} contain my name XXXX XXXX or my business name XXXX XXXXXXXX XXXX, and this was charged to my business account without my authorization or knowledge yet citizens bank still refuses to refund me a fraudulent charge even though i have over and over verified with them nothing from merchant contains my personal or business name on it!!!

Company response to consumer: Closed with explanation