vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are several addresses appearing on my credit report that are incorrect and should be removed right away. Ive submitted the proper documentation to help validate my identity and current address. Please take the necessary steps to delete these inaccurate entries from my report without delay.

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 2025-07-03 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information listed on my credit report regarding an account that I believe is being reported incorrectly. 

The item in question is a credit card account listed under the name of Indigo Mastercard. According to the credit report, the date of this debt is listed as beginning in XXXX. This is incorrect. 

The individual associated with this account has been XXXX  and under XXXX XXXX XXXX  since XX/XX/2022, and no activity related to this account has occurred during or after that time. Therefore, the claim that this debt originated or became delinquent in XXXX  is inaccurate. 

In accordance with the Fair Credit Reporting Act, I am requesting that this account be investigated and corrected or removed from the credit report if it can not be properly verified with accurate records. I have attached supporting documentation regarding the medical situation, as well as a copy of my credit report with the disputed item highlighted. 

Please complete this investigation within the legally required 30-day period and confirm the outcome of your review in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NH

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX  for XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  XXXX ( XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). * * I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: GA

Complaint narrative:
Since XX/XX/year>, I have submitted multiple complaint tickets to StudentAid.gov, clearly stating that Mohela is refusing to help me and has placed me into in-school deferment without my consent. Despite repeated attempts to get help, StudentAid keeps telling me to contact Mohela even though I explained multiple times that Mohela is not responding, hangs up, or transfers me to nowhere. 

Originally, Mohela claimed I hadnt made all my qualifying payments, but when I checked my payment history, I had. Then they placed me on a standard repayment plan and sent me a bill. After that, they enrolled me in an Income-Driven Repayment ( IDR ) plan, but that was later cancelled without notice. 

Following clear instructions from StudentAid, I submitted a General Forbearance request to give time for my loan discharge to process. Mohela denied the request, falsely stating that it had no signature. I had used an XXXX XXXX XXXX  which is accepted federally. I then printed the form, added a handwritten signature, and faxed it again and they still denied it. 

Instead of approving the forbearance, Mohela forced me into in-school deferment even though Im not receiving loans or financial aid and explicitly stated that I did not want deferment. 

Ive been calling for weeks. No one answers. I get transferred endlessly, disconnected, or flat-out ignored. Mohela has completely drained me emotionally, wasted my time, and obstructed my legal right to pause payments under general forbearance. I have case numbers from StudentAid.gov showing my repeated efforts to fix this. Im asking for urgent help now.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I downgraded then upgraded my card. My online profile said I can select a new airline for incidental as if I have a new card altogether. I made the selection, and then paid the incidental. Now the company is saying I got the incidental with my previous card. It is highly deceptive of the company to not show this initially, but then show it when the transaction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
I am submitting this complaint against Source Receivable Management for knowingly and willfully reporting false information to the credit bureaus regarding a rental balance that I do not owe. Despite providing all necessary documentation, this company continues to report inaccurate and misleading information on my credit report. 

I vacated the apartment located on XX/XX/year>, and made my final rent payment prior to moving out. Proof my lease did not end until XX/XX/year>. I submitted all documentation, including : Proof of my final rent payment Official move-out confirmation and date Lease termination details Proof of my new residency at my new address with move-in date of XX/XX/year>XXXX  These documents were provided directly to Source Receivable Management and the apartment complex, clearly demonstrating that there was no balance owed after my departure. Nonetheless, Source Receivable Management has failed to update the account and continues to falsely report a debt that is not valid. 

This behavior is not only unethical but also a violation of the Fair Credit Reporting Act ( FCRA ) and could potentially be viewed as credit reporting fraud. Their actions have caused damage to my credit profile and may affect my ability to secure future housing, credit, or financial opportunities.

I am requesting that this matter be formally investigated and that Source Receivable Management be held accountable for inaccurate and potentially fraudulent reporting practices. I respectfully request that the account be removed or corrected immediately on all credit reports and that appropriate enforcement action be considered if violations are confirmed. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
Pre-Motion for Erroneous Reporting Dismissal I, XXXX XXXX, declare under penalty of perjury that the statements set forth herein are true and correct to my knowledge and belief : The account details reported on my credit file are as follows : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX {$190.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX {$520.00} Frivolous Addresses : 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 XXXXXXXX I contend that these tradelines are fraudulent and unauthorized entries on my credit report. The information associated with these accounts was furnished to third parties without a permissible purpose and in breach of my rights as protected under the Fair Credit Reporting Act ( FCRA ) and North Carolina consumer protection statutes. I declare that the presence of these erroneous accounts, which includes unlawful credit cards arising from identity theft, is entirely untrue and must be expunged without delay. This Self-Attestation is submitted in support of my Proof of Claim and Notice of Intent to Sue for Erroneous Reporting Dismissal. In the absence of acceptable documentation establishing the legitimacy of these entries, I further request for expungement of all erroneous reporting from my credit record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2025-07-03 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:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been

paid in full. I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
HUNTER WARFIELD are trying to make me pay XXXX which I don't not own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: CA

Complaint narrative:
The Family Educational Rights and Privacy Act, XXXX, protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX, am physically filing this complaint against TransUnion for reporting inaccurate personal identifying information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). My only legal name is XXXX XXXX XXXX, and any Also Known As or name variations listed by TransUnion are inaccurate, unauthorized, and misleading. Additionally, my only valid and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Any other previous addresses listed on my TransUnion credit file are incorrect and should be removed.

Under FCRA 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in the information it reports. Under FCRA 1681i ( a ), the bureau must conduct a reinvestigation upon notice of a dispute and delete or correct inaccurate or unverifiable information. 
I have never legally used any name other than XXXX XXXX XXXX, and the additional name variations and incorrect address history appearing in my credit file are factually inaccurate and harmful. I am requesting the immediate deletion of all false or unverifiable names and addresses from my credit report. 
Please ensure TransUnion complies with federal law and promptly updates my credit file to reflect accurate and verified personal identifying information only.

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 2025-07-03 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: SC

Complaint narrative:
I XXXX XXXX XXXX, am physically submitting this formal complaint against Experian for reporting inaccurate personal information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). My correct address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SC XXXX, and the only accurate employer that should be listed on my credit report is XXXX. However, Experian is reporting employer names that I have never worked for, which is factually incorrect and misleading. 
Under FCRA 1681e ( b ), Experian is required to maintain the maximum possible accuracy of the information it reports. Additionally, under FCRA 1681i ( a ), Experian is obligated to conduct a reasonable reinvestigation of any disputed information and promptly delete or correct any item found to be inaccurate, incomplete, or unverifiable. 
I have not worked for the employers listed by Experian, and any address reported other than the one listed above is inaccurate and should be removed. I am demanding the immediate deletion of all unauthorized or incorrect employment entries and removal of any outdated or unverified addresses that do not match my legal residence. 
Please enforce compliance with federal law and ensure that my credit profile reflects only accurate, verified 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2025-07-03 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: EQUIFAX, INC.
State: CA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 non-monetary relief
Consumer complaint received 2025-07-03 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: CT

Complaint narrative:
Please remove all fraudulent accounts, Thank you!

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