vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of certain items on my credit report, which I believe have been incorrectly reported. I respectfully request that you investigate and correct the following discrepancies. The accounts listed below are in dispute for the reasons outlined under each section. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Incorrect reporting. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : Incorrect reporting. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} Discrepancy : Incorrect reporting. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$95.00} Discrepancy : Incorrect reporting. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Discrepancy : Incorrect reporting. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} Discrepancy : Incorrect reporting. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Discrepancy : Incorrect reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} Discrepancy : Incorrect reporting. 

Inquiries ; XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX XXXX Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX XXXX Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX XXXX Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX XXXX  Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX  Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX  Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX  XXXX  Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

XXXX XXXX Date : XX/XX/XXXX Discrepancy : Unauthorized inquiry. 

Late Payments : XXXX  Account Number : XXXX Discrepancy : Incorrect late payment reporting. 

XXXX XXXX Account Number : XXXX Discrepancy : Incorrect late payment reporting.

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 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
I have a federally held student loan serviced by MOHELA. 

On XX/XX/year>, MOHELA sent me a written notice stating my loan was in forbearance, accruing 0 % interest, with {$0.00} unpaid accrued interest and a balance of approximately {$83000.00}. No upcoming change to interest or forbearance status was disclosed. 

On XX/XX/year>, MOHELA sent a Quarterly Interest Notice stating that my loan interest rate was 5.25 % and that {$1400.00} in unpaid accrued interest had been added. The notice implied interest had begun accruing in XX/XX/year>. 

I did not receive any advance noticeby mail or electronic deliveryof an interest rate change, a change in forbearance type, or the resumption of interest prior to XX/XX/year>. 

On XX/XX/year>, I sent MOHELA a formal written dispute letter requesting documentation of any notice allegedly sent and reversal of the retroactively accrued interest. As of today, MOHELA has not responded, and interest continues to accrue while my dispute remains pending. 

I contacted MOHELA by phone on XX/XX/year> to follow up on the dispute. During that call, a MOHELA representative confirmed that interest resumed in XX/XX/year> and stated that no borrower notice was sent prior to the resumption of interest. The call was recorded by me for documentation purposes. 

Despite the lack of borrower notice, MOHELA reported the increased balance and accrued interest to XXXX. I disputed the credit reporting, and XXXX  responded that MOHELA verified the information as accurate. 

I am disputing the improper retroactive interest accrual, the failure to provide required borrower notice, MOHELAs failure to respond to my written dispute, and the reporting of interest and balance changes to a credit bureau without disclosure to me as the borrower. I am requesting reversal of all interest accrued beginning XX/XX/year>, correction of my loan account, and correction of credit bureau reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Upon reviewing my credit report, I noticed a late payment listed on USSA Auto Loan my friend has ( XXXX ) that I believe is inaccurate. She has Maintained on-time payments and have sent in documentation showing that these payments were not late it was a billing issue on your part. XXXX, XXXX, XXXX  are all showing different payment status which is improper reporting I'm requesting a full investigation and verity if unable to provide sufficient evidence these late payments must be remove or account deleted for reporting improper reporting under the fair credit 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 2025-12-16 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.

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-16 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: AL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I became 90 days late on my Student Loans through Nelnet. I was still sending payments in the meantime, but I could not pay off the full amount due to other housing repair expenses and obligations. I went ahead and paid off the full amount today, right away, taking action and proactively communicating on XX/XX/XXXX after I received Credit report updates dropping my credit score XXXX points on XX/XX/XXXX to XXXX while I have been trying to increase my Credit score as it was. I was not able to qualify for a revised payment plan but I am now fully caught up and intend to stay caught up. 

I called Nelnet on XX/XX/XXXX asking for thoughts on what my steps were. I attempted to call the number on Nelnet 's website for XXXX  at XXXX and did not get any help, they told me to call XXXX and that number was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
Would you mind reviewing this entry? Its late and possibly flawed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I overpaid my US Bank credit card by {$1900.00}, accidentally made duplicate payment. I requested a refund back to my US Bank checking account. Both credit card and checking account are with same US Bank. We kept calling back to follow up and they kept saying it is in process to give maximum 14 calendar days. Today I called on XX/XX/XXXX and they mentioned they have not yet assigned the case to an analyst. This is unacceptable. They also mentioned once they assign the case to someone it will take another 10 days to refund my own money. They have a hold of my money for the last two weeks and expect to keep it another 2 weeks to refund my own funds. This is pathetic and unacceptable this is the worst banking I have experienced I will be closing my US Bank checking account as soon as this is resolved. Horrible bank and horrible experience.

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 2025-12-16 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: AL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-12-16 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: OH

Complaint narrative:
I am disputing the accuracy of the reporting on this account, which is currently listed as Charged off as bad debt / Closed account. This information is not an accurate reflection of the accounts history or present status. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be accurate, complete, and capable of being fully verified. I am requesting that this account be reinvestigated in accordance with FCRA 611. If the furnisher can not provide verified, accurate, and complete documentation supporting the charge-off notation, I am requesting that the account be deleted from all of my credit reports to ensure compliance with federal reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am writing to dispute the following accounts currently reflected on my credit report. I believe that these accounts are inaccurately reported as " charged off '' and are impacting my credit score. Below, I have provided the details for each account under the respective credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and TransUnion ( TU ). Kindly review these accounts, as they are listed inaccurately and should be rectified in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00}

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 2025-12-16 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:
I am submitting this complaint as a consumer who has identified inquiries on my TransUnion credit report that I do not recall authorizing. 

* * Inquiries in Dispute ( TransUnion ) : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am requesting that TransUnion verify that these inquiries were made with proper authorization and a permissible purpose as required by the Fair Credit Reporting Act. If TransUnion can not validate these inquiries, I am requesting that they be removed from my credit report. 

I am working to repair my credit and want to ensure my report only contains accurate and authorized 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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Someone somewhere fraudulently used my paypal account to buy giftcards from walmart.com. My bank recognized the items as fraudulent and refused to process the transactions. Paypal, however, has said that I am liable for the charges even though they were not authorized by me. There were several other charges at the end of XX/XX/year> that were reversed but there are XXXX charges that Paypal says I owe for. I have never bought a gift card in my life. I wouldn't know how to use XXXX if I had it. I have made XXXX different attempts, so far, with Paypal 's XXXX department to get these charges removed from my account. I have had Paypal account for over 25 years and use it every once in a while for random purchases. Never for a gift card. So far I have not been successful trying to get these fraudulent charges removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I have inaccurate information on my credit report. Im not sure of the dates and the accounts I would like to fix all Credit issues with my credit report so that I can further move forward in the future with buying a home starting my business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: ID

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. These items are either inaccurate or incomplete and require immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-16 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/XXXX 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 response to consumer: Closed with non-monetary relief