vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The week of XX/XX/XXXX, I started receiving notifications on my third party Called Identity I.Q saying there was new accounts opened under my identity using my information. From reviewing my Credit Report, There are Multiple new accounts using my Identity and information. The Institutions these accounts were opened at are XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX I placed an order on a website called XXXX for shoes. I had previously contacted the individual seller on the site requesting US men size 15s, of which they responded with a picture of shoes which I took for them in size 15. As a result I went ahead and ordered shoes, selecting size 12 as it was the largest available size. I included in the comments attached to the order my desire for size 15s and not 12 ( please see the " order '' attachment ). I also immediately messaged the seller via the platform ( please see the " DM '' attachment ) expressing my desire for size 15s. The seller responded once and then ignored my messaged and went ahead and shipped me size 15 shoes nearly one week later.

In the interim I had contacted the platform multiple times ( please see the attached text file ) expressing my concern that the seller was ignoring my messages and I was going to receive a useless size 12 shoe. The platform assured me this would be handled, even stating the : XXXX Thank you.XXXXThank you so much for waiting. Upon checking, I can confirm that the seller has indeed been unresponsive. Please dont worry as I have submitted a report to contact the seller and urge them to respond to you as soon as possible. 

XXXX XXXX assured that once a report is filed against a seller, they are prompted to take action quickly, as continued inaction may lead to penalties or even a possible ban from the platform.

Despite all of this, the seller went ahead a few days later and shipped me size 12 shoes on XX/XX/XXXX. 

I feel the seller did not have size 15s and did not want to forfeit the sale so they sent me size 12s, despite knowing it was against my wishes. The platform railroaded me when I sent this to them, and now Citi has closed my dispute siding with the seller for unknown reasons.

I agree that I messed up ordering size 12s and assuming a picture of shoes that do not show the size meant they had size 15s. However, it was clear on the order I wanted size 15s, in addition to the messages I sent them.

Despite having this information and me contacting the site/seller nearly half a dozen times pleading to not send me size 12s, I received size 12s. I do not feel it is right that I should have to pay for these shoes, as I did all I could to avoid them sending me the size 12s.

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 2025-06-05 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: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
I am writing to formally dispute the accuracy, legality, and continued reporting of my MOHELA student loan account. Based on recent findings, public records, and my personal experience, I assert that MOHELA servicing of my student loan has violated both federal servicing standards and consumer protection laws, and I am demanding immediate investigation and corrective action. 

Background and Grounds for Dispute According to a XX/XX/year> report by the XXXX XXXX XXXX XXXX and corroborated by other investigations, MOHELA has been found to have engaged in a pattern of mismanagement and misconduct that includes, but is not limited to : Failure to Send Timely Billing Statements As acknowledged in XXXXXXXX XXXX XXXX XXXX oversight reports, MOHELA failed to send timely billing notices to over XXXX XXXX borrowers, triggering missed payments and involuntary delinquency. 
Source : protectborrowers.org/mohela-hit-with-groundbreaking-consumer-protection-lawsuit Providing Misleading or Incomplete Information to Borrowers Numerous borrowers, including myself, were misinformed regarding repayment options, forbearance availability, and eligibility for federal forgiveness programs ( including PSLF and IDR plans ).

MOHELA has been accused of obstructing access to relief by providing deceptive terms and placing administrative barriers in the way of rightful forgiveness. Imposing Waiver Clauses that Violate Borrower Rights As recently exposed, MOHELA has incorporated legal disclaimers into borrower web accounts that seek to force users to waive legal rights and remedies, including those under the Higher Education Act and state consumer protection statutes.

Reporting Negative Credit Data Arising from Servicer Negligence If any delinquencies or late payments have been reported 
on my credit file as a result of your internal failures such as missing statements or communication lapses this constitutes inaccurate and harmful reporting under FCRA, 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: VA

Complaint narrative:
Upon reviewing my credit report I noticed an address that I've never been associated with in any way on my report. The address was XXXX XXXX XXXX, XXXX, XXXX That address had an eviction in 2023. I have never been associated with this address. There is also a phone number that I'm Unfamiliar with XXXX. I need these things removed immediately!!!

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon reviewing my credit report I noticed an address that I've never been associated with in any way on my report. The address was XXXX XXXX XXXX, XXXX, XXXX That address had an eviction in 2023. I have never been associated with this address. There is also a phone number that I'm Unfamiliar with XXXX. I need these things removed immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-06-05 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to 15 usc 1681, I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple this account several times with credit bureaus and it's coming back as updated and verified without a proper investigation. Ive stated numerous times that I have no knowledge of this account, as Ive never opened a XXXX XXXX account before, The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, nor the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-06-05 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I am writing to request the removal of an incorrect late payment entry from my account. I have consistently met all payment obligations on time, and this discrepancy is causing significant distress and affecting my well-being. I kindly ask for your prompt attention to rectify this error and ensure the accuracy of my account records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 


EXPERIAN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian 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 generallf, 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 2025-06-05 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-05 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: P.S.C., Inc
State: WA

Complaint narrative:
I am filing a formal complaint regarding the reappearance of a previously deleted medical collection on my credit report. This collection had been thoroughly investigated and removed from my credit file with both Equifax and TransUnion. However, it has now reappeared under a different agency and creditor, with altered details. 

Details : Original Collection : Associated with XXXX XXXX and handled by XXXX XXXX. 

Deleted Account Number : Ending in XXXX XXXX XXXX XXXX  : Listed under XXXX XXXX XXXX Physician and reported by Puget Sound Collections IN New Account Number : XXXX I have attached evidence from Equifax and TransUnion confirming the deletion of the original XXXX XXXX collection. The reappearance of this debt under a new name, different agency, is misleading and violates the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires proper validation and written notice before reinsertion.

This situation involves inaccurate and potentially deceptive reporting practices. I respectfully request the CFPBs assistance to ensure that : 1. This account ( XXXX  ) is permanently removed from all my credit reports, and 2. The reporting agencies and involved collection agency are held accountable for any violations. 



Thank you for your prompt attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 

Moreover, 15 U.S.C. XXXXe ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given XXXX  days from the date of this letter to provide the following : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. XXXXi ( a ) ( XXXX ). 

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  State Attorney General. I will also proceed with litigation under 15 U.S.C. XXXXn for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX BANK XXXX, XXXX XXXXXXXX XXXX XXXXXXXX & XXXX BANK XXXX.

Company response to consumer: Closed with non-monetary relief