vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

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 2025-04-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that several hard inquiries were made on my credit report without my authorization. I did not apply for new credit, nor did I give consent for these companies to access my credit file. These inquiries negatively impact my credit score and were done without my knowledge or approval. I am requesting that these unauthorized hard inquiries be removed from my credit report immediately. 

Actions taken : I contacted the companies listed under the unauthorized inquiries to request an explanation. 

I filed a dispute with the credit reporting agency regarding the unauthorized inquiries. 

I am submitting this complaint to ensure the companies involved are aware of the issue and take corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: FL

Complaint narrative:
I discovered that several hard inquiries were made on my credit report without my authorization. I did not apply for new credit, nor did I give consent for these companies to access my credit file. These inquiries negatively impact my credit score and were done without my knowledge or approval. I am requesting that these unauthorized hard inquiries be removed from my credit report immediately. 

Actions taken : I contacted the companies listed under the unauthorized inquiries to request an explanation. 

I filed a dispute with the credit reporting agency regarding the unauthorized inquiries. 

I am submitting this complaint to ensure the companies involved are aware of the issue and take corrective action.

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 2025-04-26 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: GA

Complaint narrative:
I am filing this complaint because Experian violated my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I submitted a written dispute to Experian on XX/XX/year> regarding inaccurate information on my credit report XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable investigation and respond within XXXX days of receiving a consumers dispute.

Experian failed to meet this obligation. They did not complete their investigation or provide me with the results of their investigation within the XXXX period as mandated by law. The FCRA is very clear that if information in a consumers credit report is disputed, the XXXX XXXX XXXX must investigate and report the results back to the consumer within XXXX days ( with a limited extension to XXXX days only if the consumer supplies additional information during the XXXX days, which I did not ). 

By exceeding the XXXX timeframe, Experian violated my rights under the FCRA. Their delay caused me undue stress and potential harm to my financial standing. I respectfully request that the CFPB investigate Experians failure to comply with FCRA guidelines, hold them accountable for this violation, and require them to take corrective action to ensure timely responses to consumer disputes in the future.

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 2025-04-26 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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
I have had the same student loan at the same Interest Rate since XXXX. This has existed through XXXXXXXX XXXX transferred to XXXXXXXX Now transferred to Mohela. Never had any trouble with this loan until XX/XX/XXXX when they suddenly doubled my interest rates. I have been paying this for so long that I did not realize the change until recently. I called Mohela who gave me a convoluted story about how the Interest rate had switched from a Fixed Interest Rate to a Variable. I don't see how this could be allowed. Even if by some quirk they are allowed to do this I was given no warning. No mailings. No emails. Nothing. My understanding is that my loan was transferred from XXXX because they are no longer allowed to handle Student Loans due to Predatory Tactics. If that is true how can this be acceptable from Mohela? At minimum I would like my interest rates returned to the XXXX and 4.24 % that I have been paying for almost 30 years. Can you please look into this for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am submitting this complaint because a previously resolved debt has continued to be bought and pursued by third-party collection agencies without my knowledge or consent. 

The original debt, totaling {$21000.00} and {$20000.00}, was fully resolved and paid in full by XXXX XXXX XXXX XXXX as of [ insert date of resolution ]. I have documentation from XXXX XXXX confirming that the balance has been cleared and I no longer owe any amount on this account. 

Despite this, the debt has been transferred or sold multiple times to third-party collection agencies, including : Absolute Resolution Investments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
These companies have attempted to collect on this debt, even though it has been settled in full and is no longer valid. I was not notified by XXXX XXXX of any sale or assignment of the debt after it was resolved, nor did I consent to it. These companies are attempting to coll

ect on a debt that has already been discharged. Under U.S. Code Title 15, Chapter 41, Subchapter V, Section 1692 ( Fair Debt Collection Practices Act ), it is unlawful for a debt collector to attempt to collect on a debt that is no longer valid or has been ratified. This continued collection activity is both misleading and unlawful.

I respectfully request that the CFPB investigate this matter and direct these third-party agencies to cease all collection efforts on a debt that has been resolved. I also request that my credit not be negatively affected by these unlawful attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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:
The following account has an inaccuracy with the first date of delinquency that was reported which shows XX/XX/XXXX. The first date of delinquency shows XX/XX/XXXX and it says no data. This is a violation of my rights and I demand deletion of this account immediately 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 2025-04-26 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: PA

Complaint narrative:
Subject : Failure to Correct Inaccurate Reporting and Verification TransUnion Dispute Follow-Up Since filing my original complaint, I have obtained additional evidence showing that TransUnion has failed to properly verify or correct inaccurate information on my credit report regarding the XXXX XXXX account XXXX 

Specifically : As of XX/XX/year>, my TransUnion file listed an incorrect address ( XXXX XXXX XXXX, XXXXXXXX XXXX  ) tied to the XXXX XXXX account. 
As of XX/XX/year>, this address ( XXXX XXXX ) has been deleted from my TransUnion file. 
Without a linked address, there is no verifiable connection between me and XXXX XXXX. 
Multiple inaccurate names ( XXXX XXXX, XXXX, XXXX XXXX, and XXXX, XXXX XXXX previously tied to my file were deleted, confirming identity inaccuracies. 
My verified address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX not XXXX. 
XXXX XXXX has no operating location in XXXXXXXX XXXX 
No public records ( XXXX, judgments, or liens ) exist under my name to verify any debt obligation. 

Additionally, it is clear that TransUnion relies on automated processing systems ( e-OSCAR ) instead of conducting a full reinvestigation, in violation of the Fair Credit Reporting Act ( FCRA ). 

This is a direct violation of : FCRA 607 ( b ) Duty to maintain maximum possible accuracy, FCRA 611 ( a ) ( 1 ) ( A ) Duty to conduct a reasonable reinvestigation, FCRA 611 ( a ) ( 5 ) ( A ) Duty to delete unverifiable information.

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 2025-04-26 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:
To All The Credit Bureaus ; Equifax, Experian, Transunion and XXXX Requests : XXXX ) Beware of fraudulent activity from all third parties, such as credit repair companies or credit clinics, consumer credit counseling services ( cccs ). I do not give authorization to anyone to do anything on my behalf. Please only accept request directly from me by mail only, with verification of identity. 

XXXX ) Please only accept disputes and request from me, " by mail only, with verification of identity. '' To stop the ongoing fraudulent activity of disputes. To remove and/or make changes to my extended fraud alert, security freeze, and consumer statement. 

XXXX ) Please remove all phone numbers from my contact and extended alert. If needed place my current XXXX XXXX XXXX for contact. 

To Equifax, For over XXXX years now, I have contacted you several times to find a solution to stop the ongoing fraudulent disputes and fraudulent requests. All request denied or only lasted for XXXX month. Due to neglect to resolve this ongoing issue my credit reports are covered like a blanket with fraudulent FCRA disputes and fraudulent comments. Over XXXX times my profile identification information was replaced by a fraudulent profile identification. Yes. Identity theft occurred inside the credit bureau. The last accurate credit report was on XX/XX/year> Confirmation # XXXX with all my accounts posted. XXXX days after that report, the sabotage of my credit report began intensely. Currently most of my accounts are not posted, continuously ongoing fraudulent disputes. I also requested to remove the phone number from my extended fraud alert, the number is still present. Please use my current XXXX XXXX XXXX for contact for the extended fraud alert. 

To Experian, Thank you for great service! But, I have requested several times to remove the phone number from my extended fraud alert, please remove. If need a contact, use my current XXXX XXXX XXXX. 

To Transunion and XXXX, Sincerely, thank you for amazing great service!!! Faithfully cautious of suspicious activity and notifying me before going forward. Thank you! Thank you! 

I will also mail this notification to all the credit bureaus.

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 2025-04-26 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: TX

Complaint narrative:
To All The Credit Bureaus ; Equifax, Experian, Transunion and XXXX Requests : XXXX ) Beware of fraudulent activity from all third parties, such as credit repair companies or credit clinics, consumer credit counseling services ( cccs ). I do not give authorization to anyone to do anything on my behalf. Please only accept request directly from me by mail only, with verification of identity. 

XXXX ) Please only accept disputes and request from me, " by mail only, with verification of identity. '' To stop the ongoing fraudulent activity of disputes. To remove and/or make changes to my extended fraud alert, security freeze, and consumer statement. 

XXXX ) Please remove all phone numbers from my contact and extended alert. If needed place my current XXXX XXXX XXXX for contact. 

To Equifax, For over XXXX years now, I have contacted you several times to find a solution to stop the ongoing fraudulent disputes and fraudulent requests. All request denied or only lasted for XXXX month. Due to neglect to resolve this ongoing issue my credit reports are covered like a blanket with fraudulent FCRA disputes and fraudulent comments. Over XXXX times my profile identification information was replaced by a fraudulent profile identification. Yes. Identity theft occurred inside the credit bureau. The last accurate credit report was on XX/XX/year> Confirmation # XXXX with all my accounts posted. XXXX days after that report, the sabotage of my credit report began intensely. Currently most of my accounts are not posted, continuously ongoing fraudulent disputes. I also requested to remove the phone number from my extended fraud alert, the number is still present. Please use my current XXXX XXXX XXXX for contact for the extended fraud alert. 

To Experian, Thank you for great service! But, I have requested several times to remove the phone number from my extended fraud alert, please remove. If need a contact, use my current XXXX XXXX XXXX. 

To Transunion and XXXX, Sincerely, thank you for amazing great service!!! Faithfully cautious of suspicious activity and notifying me before going forward. Thank you! Thank you! 

I will also mail this notification to all the credit bureaus.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: DC

Complaint narrative:
Discover Bank is reporting the account beginning with XXXX as a charge-off on my credit report. However, the company has not provided the required tax documentation ( such as a 1099-C form ) for me to accurately report the charged-off amount as income. I request that the company promptly remove this item from my credit report. If they fail to do so, I will pursue legal action on the grounds of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: MN

Complaint narrative:
I respectfully request that you block and remove the unauthorized accounts from my credit report at your earliest convenience. I did not open or approve these accounts and do not recognize them. As outlined in USC 1681g, I am requesting their removal within 15 days. Enclosed are supporting documents for your detailed review. Please note that the information being reported differs across credit bureaus, indicating inaccuracies.

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 2025-04-26 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:
The following debt MUST be removed as per federal law since it is related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480 : XXXX account with account number ending in * XXXX on my credit report. 

Because the reporting of this account violates the provisions of Senate Bill 5480, I demand that TransUnion immediately remove the XXXX account [ Account Ending in * XXXX ] from my credit report. 

I insist on written confirmation of this removal within XXXX ( XXXX ) days of receipt of this letter. I am prepared to take further action to protect my rights, including filing complaints with relevant regulatory agencies and pursuing legal remedies, if necessary. 

Thank you for your prompt attention to this critical 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 non-monetary relief
Consumer complaint received 2025-04-26 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: MS

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXXXXXX XXXX has violated my rights. I looked at my TransUnion credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-26 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: DC

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with non-monetary relief