vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
I was locked out of my federal student loan account after it was transferred to XXXX. I used the password reset tool multiple times, tried different devices and browsers, and called customer service at least twice with no resolution. 

Despite my inability to access my loan information, my account was reported to credit bureaus and now shows derogatory marks. This is a result of XXXX  servicing failure, and not my negligence. I believe this may also violate my rights under FERPA and the Fair Credit Reporting Act. I was only able to regain access to my account on XX/XX/year> after getting in contact with a XXXX representative. Previously, I was unable to reach a human representative when I contacted the company by phone. This is more than 220 days after my initial payment date of XX/XX/year>. Please note that XXXX is currently under federal investigation for widespread servicing failures, and I believe I am a victim of such failure ( s ), and I am demanding resolution and edits be made to my credit reports. 

I am requesting immediate correction or removal of any negative reporting during this period, restoration of account access, and a written response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was locked out of my federal student loan account after it was transferred to MOHELA. I used the password reset tool multiple times, tried different devices and browsers, and called customer service at least twice with no resolution.

Despite my inability to access my loan information, my account was reported to credit bureaus and now shows derogatory marks. This is a result of MOHELAs servicing failure, and not my negligence. I believe this may also violate my rights under FERPA and the Fair Credit Reporting Act. I was only able to regain access to my account on XX/XX/year> after getting in contact with a MOHELA representative. Previously, I was unable to reach a human representative when I contacted the company by phone. This is more than 220 days after my initial payment date of XX/XX/year>. Please note that MOHELA is currently under federal investigation for widespread servicing failures, and I believe I am a victim of such failure ( s ), and I am demanding resolution and edits be made to my credit reports.

I am requesting immediate correction or removal of any negative reporting during this period, restoration of account access, and a written response.

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 2025-06-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Unable to use card for two weeks due to a claim of fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
Im contacting you because Ive found wrong and damaging information on my credit report, and Im not going to let it slide. This matter is urgent, and I expect it to be taken seriously and handled without delay.

Specifically, there is an entry on my report that is completely inaccurate and does not belong to me. Whether it was the result of clerical error, misreporting, or worseunauthorized or fraudulent use of my identitywhat matters now is that its false, and it needs to be removed.

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 2025-06-11 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: MI

Complaint narrative:
I took a look at my current consumer report and saw some fraudulent accounts and history on there ; please remove accounts I have no knowledge of this information. I have faced financial strain due to this, but it has also caused considerable emotional XXXX. I am genuinely concerned about the potential impact of these on my credit history and future financial opportunities.

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 2025-06-11 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I took a look at my current consumer report and saw some fraudulent accounts and history on there ; please remove accounts I have no knowledge of this information. I have faced financial strain due to this, but it has also caused considerable emotional distress. I am genuinely concerned about the potential impact of these on my credit history and future financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I hereby formally dispute any information in my credit report that lacks veracity or proper documentation, adhering to the FCRA and the Metro 2 data field reporting standard. I can not acknowledge delinquency and derogatory claims without factual evidence and challenge their unsubstantiated reportability, which contravenes federal and state law. It is imperative to accurately report allegations, avoiding any violations of laws or regulations. Therefore, I request verifiable evidence supporting the account 's existence and permissible usage, or its removal, in compliance with Metro 2 standards. I authorize the mailing of physical documentation detailing your actions and my updated credit report. Your prompt attention to this matter is expected and appreciated. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries : I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
I hereby formally dispute any information in my credit report that lacks veracity or proper documentation, adhering to the FCRA and the Metro 2 data field reporting standard. I can not acknowledge delinquency and derogatory claims without factual evidence and challenge their unsubstantiated reportability, which contravenes federal and state law. It is imperative to accurately report allegations, avoiding any violations of laws or regulations. Therefore, I request verifiable evidence supporting the account 's existence and permissible usage, or its removal, in compliance with Metro 2 standards. I authorize the mailing of physical documentation detailing your actions and my updated credit report. Your prompt attention to this matter is expected and appreciated. 

Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries : I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by XXXX in their XXXX, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-11 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-06-11 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
My account with EXTRA was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXTRA never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Welcome Finance Company, Inc
State: NC

Complaint narrative:
Subject : FDCPA Violations, Lack of Promissory Note, Third-Party Contact, and Documentation Discrepancies To Whom It May Concern : I am filing this formal complaint against Welcome Finance for XXXX violations of the Fair Debt Collection Practices Act ( FDCPA ) and concerning irregularities related to documentation and the origination of an alleged loan. 

Timeline and Key Facts : On XX/XX/year>, I sent a debt validation request via certified mail to XXXX XXXX, requesting full verification of the alleged debt. 
That same day, I received account-related documentation via email from XXXX XXXX XXXX XXXX XXXX which raised serious concerns and prompted me to further investigate the legitimacy of the debt being pursued. 
On XX/XX/year>, after receiving no adequate response or proper validation, I sent a Cease and Desist letter via certified mail, formally requesting that all communication from Welcome Finance cease immediately. 


Despite these efforts, XXXX XXXX continues to call meand has contacted my family members by name, even though they were aware of my contact information. 

These actions violate 15 U.S. Code 1692b ( 1 ), 1692c ( b ), and 1692c ( c ).

Serious Documentation and Validation Issues : At the beginning of the loan, the only documentation I received was the debtors copy of the life insurance and property insurance policies. 

I was never provided a copy of the promissory note or original security agreementthen or in response to my debt validation request. This means I never received a full disclosure of the terms or binding obligations of the loan agreement. 

When I requested validation, they still failed to provide the promissory note, only re-sending the same debtors insurance copies. 

The insurance documents provided were associated with XXXX XXXX XXXX XXXX XXXX XXXX, and there are clear discrepancies in the account amounts and listed figures compared to what Welcome Finance has claimed. This casts doubt on the legitimacy or accuracy of the alleged debt. 

Legal Violations Committed by Welcome Finance : 15 U.S. Code 1692g ( b ) Failure to properly validate the debt upon written request.

15 U.S. Code 1692c ( c ) Continued contact after written cease and desist.

15 U.S. Code 1692c ( b ) Unlawful third-party contact after debtor location was known. 

Misrepresentation and failure to disclose material loan documentation, which XXXX also violate state lending laws. 

Main Documents are provided with the following link : https : XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief