vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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

Complaint narrative:
It has come to my attention that my personal information was compromised in a national data breach, which has resulted in unauthorized activity on my credit file. Upon reviewing my TransUnion credit report, I noticed accounts that I do not recognize or authorize. I submitted a formal request for debt validation to the credit reporting agency, but to date, no supporting documentation has been provided to confirm the legitimacy of these accounts. 

As a result of this identity theft, I have filed a report with the Federal Trade Commission ( FTC ) and have included the reference number in my documentation. I am also submitting a copy of my government-issued ID, the FTC complaint , and a copy of the XXXX XXXX XXXX XXXX XXXX ) report confirming the compromise of my information. 

I am requesting immediate investigation into this matter and the removal of any inaccurate or fraudulent information from my TransUnion credit file in accordance with the Fair Credit Reporting Act ( FCRA ), particularly section 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verified, they must be
removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities
accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Under the FCRA, if disputed items can not be verified, they must be
removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities
accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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

Complaint narrative:
I checked my credit report this morning, as I normally do, and was surprised to find inaccurate accounts listed. I dont know where they came from. Thinking it might be a temporary glitch, I refreshed my browser, but the incorrect entries were still there. Due to this situation, Im requesting a detailed examination of the documents I provided so that this issue can be resolved permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : credit card account opened at XXXX on XX/XX/year> account number XXXX credit card account opened at XXXX on XX/XX/year> account number XXXX credit card account opened at XXXX on XX/XX/year> account number XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : credit card account opened at XXXX on XX/XX/year> account number XXXX credit card account opened at XXXX on XX/XX/year> account number XXXX credit card account opened at XXXX on XX/XX/year> account number XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and XXXX stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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

Complaint narrative:
In XXXX of XXXX I applied for an Income Based Repayment plan as I wanted to switch off of the XXXX plan and finish my XXXX XXXX XXXX XXXX. I am at XXXX payments and was only unable to complete my last XXXX because of the XXXX injunction. 

I requested to be placed in XXXX XXXX while they reviewed my application. XXXX XXXX counts towards XXXX and would have satisfied my last XXXX payments if properly applied. MOHELA falsely told me they had placed me in that status from XXXX to XXXX ( see attached message ). If they had done this correctly I may have already been finished and my loans forgiven. The Colorado XXXX XXXX XXXX act prohibits loan servicers from providing false information about a loans status or application. 

I continued to request to change plans and submitted an application directly in XXXX. After filing a previous CFPB complaint MOHELA shifted me into Processing Forbearance at the end of XXXX however I am still stuck at XXXX payments. I do not know if my last month will count because of their delays. 

I continued to request a shift to the XXXX plan. I received a letter with a new payment schedule and then I learned that MOHELA had not processed my XXXX application and kept me in XXXX. They confirmed this through correspondence recently. I called them again spending more than XXXX hours on hold and they reported that they had placed me back in SAVE forbearance against my wishes. I want to be given a route for my XXXX payments to count, I have requested this many times. 

My qualifying payment data also appears to be impacted as XXXX has told me that pulling data from MOHELA is having issues. I want MOHELA to fix any issues on their end and properly upload payment detail history as this may also get me to my XXXX payments. I attached a letter that indicates I am still at XXXX with no updates since XX/XX/XXXX. 

I have to think at this point this is an intentional operation to continue to make money for MOHELA by keeping accounts longer than needed. 


MOHELA also takes multiple hours via phone to reach a representative and they also do not accurately follow up on requests or make changes. I have requested a callback at least 3 times so I do not spend hours on hold and they have not called me back. They often cite things will happen in XXXX business days and then nothing is formally changed. I have filed multiple complaints over the past XXXX months with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: Self Financial Inc.
State: NV

Complaint narrative:
On approx XX/XX/year> I opened what I thought was a savings account with Self.inc. This savings account was to take automatic withdrawals of {$25.00} ( charging {$1.00} extra for auto withdrawals from a card ) until you hit {$500.00}, then they would give you the {$500.00} ( keeping the {$14.00} of interest it would have earned as a charge ). I received notification that they did a hard pull on my credit report when they had stated it would not affect my credit. So today, XX/XX/XXXX, I decided to close this account because it was not what I was led to believe it was. Up to today I had deposited {$50.00}. They are only refunding me {$36.00} and charging me the {$14.00} interest that XXXX wouldve had if I had saved a full {$500.00}. I told the woman XXXX you cant charge me for interest that never happened. After arguing with her for XXXX min and being on hold for a supervisor that never came I finally said just close the account. Now I have to wait XXXX weeks for a check because there was no other option which I know is wrong. They can put it back on the card they took I from, but no. Just a check. She even tried threatening me saying that this will be reported to all XXXX credit bureaus. Now I have lost money I never made on something that was not as presented. This is a total scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XX/XX/year>, Bank of America paid {$830.00} to XXXX XXXX misusing XXXX XXXX on an unauthorized ACH Transaction where the bank used an overdraft protection option to pay an Unauthorized transaction by mishandling banking information terms or condition not agreed upon by the account holder. I have asked bank of America to reverse the unauthorized ACH more than 3 day ago only to be placed on hold, transferred to the wrong department etc.

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

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Recent Data Breach - 15 USC 1681 = Right to Privacy - Information was Exposed in Data Breach, This information has to be removed - Don't turn this dispute into a 30 day Dispute, Under Section 605b this should be removed within 4 days Previous FTC Report Filed = XXXX 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. 

XXXX, Experian, TransUnion, Equifax, have violated my Rights. 

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, states a Consumer Reporting Agency can not furnish an Account without my Written Instructions and Consent.

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 and crimes which antedates the report by 7 years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 that the information is inaccurate

Company response to consumer: Closed with explanation