vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: FL

Complaint narrative:
I have identified multiple fraudulent accounts and incorrect addresses associated with my credit report. Following my disputes, I expected a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). However, the credit bureaus have failed to comply with federally regulated laws by not removing these fraudulent accounts and not providing clear, detailed information regarding their investigation processes. 

Despite my efforts to clarify and dispute these inaccuracies, the credit bureaus have returned my reports with the fraudulent accounts still intact, citing that they have been verified. This lack of transparency raises serious concerns about the validity of their verification processes and their adherence to the legal requirements outlined in the FCRA. 

I request your assistance in addressing these issues and ensuring that the credit bureaus are held accountable for their actions. I believe it is crucial for consumers to have accurate credit information, and I am seeking a resolution to have these fraudulent accounts removed from my report and to receive a thorough explanation of the verification process that was conducted. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.

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 2025-05-04 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: FL

Complaint narrative:
I have identified multiple fraudulent accounts and incorrect addresses associated with my credit report. Following my disputes, I expected a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). However, the credit bureaus have failed to comply with federally regulated laws by not removing these fraudulent accounts and not providing clear, detailed information regarding their investigation processes. 

Despite my efforts to clarify and dispute these inaccuracies, the credit bureaus have returned my reports with the fraudulent accounts still intact, citing that they have been verified. This lack of transparency raises serious concerns about the validity of their verification processes and their adherence to the legal requirements outlined in the FCRA. 

I request your assistance in addressing these issues and ensuring that the credit bureaus are held accountable for their actions. I believe it is crucial for consumers to have accurate credit information, and I am seeking a resolution to have these fraudulent accounts removed from my report and to receive a thorough explanation of the verification process that was conducted. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.

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 2025-05-04 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: FL

Complaint narrative:
Identity Theft & Unauthorized Collection Reporting Request for Deletion Under FCRA 605 ( b ) Description of the issue : My name is XXXX XXXX, and I am filing this formal complaint regarding unauthorized and fraudulent collection accounts and inquiries being reported on my credit profile. I have already submitted an Identity Theft Report through the FTC at [ XXXX ], which is attached to this complaint. 

The accounts listed below were either : Already closed and later sold or transferred without my consent, OR Collected and reported without any communication or authorization from me These are violations under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 611, and I am demanding the immediate deletion of these items from my credit file. 

Fraudulent Accounts to be Removed : XXXX XXXX XXXX Balance : {$190.00} Original Creditor : First Progress XXXX XXXX  Date Opened : XX/XX/XXXX Reporting Bureaus : Experian, TransUnion XXXX XXXX XXXX XXXX Balance : {$1200.00} Original Creditor : XXXX XXXX XXXX  XXXX. 
Date Opened : XX/XX/XXXX Reporting Bureaus : Experian, TransUnion Unauthorized Hard Inquiries Appeared after account closures or without my consent I request removal of all inquiries tied to XXXX XXXX, XXXX XXXX, and any third-party collections

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 2025-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: LA

Complaint narrative:
Mohela has severely damaged my credit without giving me payment options. I was told the loans were paused only to get hit with interest rates that I did not sign up for. False documentation including processing paperwork when the government was told to halt all payments. The halting resulted in higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Identity Theft & Unauthorized Collection Reporting Request for Deletion Under FCRA 605 ( b ) Description of the issue : My name is XXXX XXXX, and I am filing this formal complaint regarding unauthorized and fraudulent collection accounts and inquiries being reported on my credit profile. I have already submitted an Identity Theft Report through the FTC at [ XXXX ], which is attached to this complaint. 

The accounts listed below were either : Already closed and later sold or transferred without my consent, OR Collected and reported without any communication or authorization from me These are violations under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 611, and I am demanding the immediate deletion of these items from my credit file. 

Fraudulent Accounts to be Removed : XXXX XXXX XXXX Balance : {$190.00} Original Creditor : First Progress XXXX XXXX  Date Opened : XX/XX/XXXX Reporting Bureaus : Experian, TransUnion XXXX XXXX XXXX XXXX Balance : {$1200.00} Original Creditor : XXXX XXXX XXXX  XXXX. 
Date Opened : XX/XX/XXXX Reporting Bureaus : Experian, TransUnion Unauthorized Hard Inquiries Appeared after account closures or without my consent I request removal of all inquiries tied to XXXX XXXX, XXXX XXXX, and any third-party collections

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 2025-05-04 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: FL

Complaint narrative:
Identity Theft & Unauthorized Collection Reporting Request for Deletion Under FCRA 605 ( b ) Description of the issue : My name is XXXX XXXX, and I am filing this formal complaint regarding unauthorized and fraudulent collection accounts and inquiries being reported on my credit profile. I have already submitted an Identity Theft Report through the FTC at [ XXXX ], which is attached to this complaint. 

The accounts listed below were either : Already closed and later sold or transferred without my consent, OR Collected and reported without any communication or authorization from me These are violations under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 611, and I am demanding the immediate deletion of these items from my credit file. 

Fraudulent Accounts to be Removed : XXXX XXXX XXXX Balance : {$190.00} Original Creditor : First Progress XXXX XXXX  Date Opened : XX/XX/XXXX Reporting Bureaus : Experian, TransUnion XXXX XXXX XXXX XXXX Balance : {$1200.00} Original Creditor : XXXX XXXX XXXX  XXXX. 
Date Opened : XX/XX/XXXX Reporting Bureaus : Experian, TransUnion Unauthorized Hard Inquiries Appeared after account closures or without my consent I request removal of all inquiries tied to XXXX XXXX, XXXX XXXX, and any third-party collections

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
An old XXXX  loan which has existed since XXXX  is now showing as new on my credit report under the name Missouri XXXX XXXX. It has negatively impacted my credit score even though it appears the only change is the name from XXXX to Missouri XXXX XXXX. My credit score decreased XXXX pts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: AL

Complaint narrative:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Michelle A. Arace dbaThe Law Firm of Michelle A. Arace
State: CT

Complaint narrative:
Company claims I owe {$3200.00} I sent a dispute letter and email pursuant the Connecticut Fair Debt Collection. Attorney still sent another collect email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Nation star Mortgage dba Mr.cooper has reported that I made a late payment/ missed a payment. XXXXXXXX XXXX XXXX  bought the loan during refinancing. I paid the monthly payment in XXXXXXXX XXXX XXXX for {$2400.00}. XXXX XXXXXXXX XXXX  bought the loan on XX/XX/XXXX for {$330000.00}. Mr.Cooper proceeded to mis report that I failed to make my payment which was false as the loan was now through XXXX. I reported many times that this was false through the credit bureaus. I also talked to customer support through Mr.Cooper with my lender on a 3 way call explaining the situation and was told that it would be removed. It has been over 6 months and the late payment is still affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Kikoff Inc.
State: AL

Complaint narrative:
I am filing this complaint under my rights as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate or unverifiable information appearing on my credit report. The items in question include XXXX Collection Account : KIKOFF LENDING LLC Collection Amount : XXXX XXXX XXXX XXXX XXXX XXXX XXXX KIKOFF LENDING LLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are either inaccurate, do not belong to me, or can not be verified in compliance with federal law. I have attempted to dispute these with the relevant credit bureaus and/or furnishers, but have not received a satisfactory or timely resolution. 

Under 15 U.S.C. 1681i, information that can not be verified must be deleted from my report. I am requesting that these accounts be investigated and removed from all credit reporting agencies.

I respectfully ask that this issue be resolved within 14 days as the ongoing inaccurate reporting is causing harm to my creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file.

Please remove the following items from my credit report immediately : 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

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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I discovered a fraudulent activity listed on my credit report that does not belong to me. I believe this is a result of identity theft. 

The accounts in question appears to be opened without my knowledge or consent. I did not authorize this account or inquries, and I have never conducted any business with the company reporting it. The account is negatively affecting my credit score and does not reflect my financial activity or responsibility : Collector : XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Amount Due : {$2100.00} Opened : XXXX. XXXX, XXXX Amount Due : {$7700.00} Opened : XXXX XXXX, XXXX Amount Due : {$1800.00} Opened : XXXX. XXXX, XXXX Amount Due : {$760.00} Opened : XXXX XXXX, XXXX Amount Due : {$1300.00} Opened : XXXX. XXXX, XXXX XXXX XXXX : {$1100.00} Opened : XXXX. XXXX, XXXX Amount Due : {$2000.00} SOUTHWEST CREDIT SYSTE Original Creditor : XXXX XXXX Opened : XX/XX/XXXX - Amount Due : {$990.00} XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX ( Removal : XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( Removal : XX/XX/XXXX ) XXXX XX/XX/XXXX ( Removal : XX/XX/XXXX ) Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Addresses : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Employer : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I consumer XXXX XXXX filing a complaint against company " XXXX XXXX XXXX  '' Pursuant to 18 USC 8, I owe no debt this company is violating my consumer rights to privacy pursuant to 15 USC 1681 2 company has also no permission to report anything using my info pursuant to 15 USC 1681 4. I also would like for Transunion Experian and Equifax to fully investigate this company because it's reporting many inaccuracies across all three credit agencies such a as different closing dates, open dates, payment history, terms, and account type. this is violating the FCRA, and each violation can equal up to {$1000.00} per violation. 

please investigate this Information and thank you for handling this serious matter Sincerely, 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 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: AZ

Complaint narrative:
On XX/XX/year> i transferred {$390.00} to a wrong receipient transaction number XXXX using SENDWAVE, immeidiately i requested a cancelletion of the transaction which was granted and confirmed by SENDWAVE.

They assured me that they will refund the amount within 30 Days of the cancelletion only for me to receive a text from them saying that they are unable to refund me my Cash. 
I have contaced the company XXXX in XXXX and they indeed did a refund of the money the same day the transaction cancelletion was sent to them. 
I have attached all correspondece for your ease of refernce.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Clark County Collection Service
State: SD

Complaint narrative:
The original debt was from XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, SD, XXXX. ( XXXX ) XXXX. They are no longer in business. They brought me to court for a civil suit and won, I was to pay {$1100.00} with court costs, interest, et. on XX/XX/XXXX. I have never made any payments towards this amount. 

On XX/XX/XXXX, I called and set up payments to pay XXXX XXXXmonth plus extra whenever I could afford to do so. I paid {$100.00} on XX/XX/XXXX. On XX/XX/XXXX I logged on online and seen my amount due was now {$1900.00} ; which was almost doubled of what I owed. I stopped making anymore payments. 

I received a letter from Clark County Collection Service stating I owed XXXX XXXX XXXX still with a larger amount of {$1900.00}. The letter contained the following : Notice of Levy to Defendant and to Garnishee and Notice to Defendant, Plaintiff 's Affidavit for Garnishment, Garnishee Summons and Continuing Lien, Garnishment Disclosure and a prepaid postage. I called multiple times to discuss this with a member of the company to get information on why I have more due than agreed upon. I was never given a call, e-mail or any follow up letter with this information requested. 

I have a letter that states I need to dispute the debt by XX/XX/XXXX if I don't agree with the amount of {$1100.00}. I never called because I did agree on that amount. I want to get this debt settled because it has been 10 years and I want to move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number : XXXX Charge Off is illegal. 
Date of first delinquency : changed and inaccurate. 
According to The Fair Credit Reporting Act Section 623 15 USC subsections 623, this must be deleted from my credit 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 2025-05-04 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: NY

Complaint narrative:
THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT FILE THAT ARE NOT MINE I AM A VCTIM OF IDENTITY THEFT I AM CURRENTLY ON XXXX XXXX AND IT IS HARD FOR ME TO KEEP UP WITH THIS I REQUESTED A FRAUD ALERT, FREEZE AND XXXX XXXX ALERT AS WELL AS A THOROUGH INVESTIGATION AND REMOVAL OF THESE ACCOUNTS BUT THERE HAS BEEN NO RESULTS. 
THE FOLLOW ACCOUNTS BELOW ARE NOT MINE AND I AM REQUESTING REMOVAL OF THESE ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-04 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: NY

Complaint narrative:
THERE ARE SEVERAL ACCOUNTS REPORTING ON MY CREDIT FILE THAT ARE NOT MINE I AM A VCTIM OF IDENTITY THEFT I AM CURRENTLY ON XXXX XXXX AND IT IS HARD FOR ME TO KEEP UP WITH THIS I REQUESTED A FRAUD ALERT, FREEZE AND XXXX XXXX ALERT AS WELL AS A THOROUGH INVESTIGATION AND REMOVAL OF THESE ACCOUNTS BUT THERE HAS BEEN NO RESULTS. 
THE FOLLOW ACCOUNTS BELOW ARE NOT MINE AND I AM REQUESTING REMOVAL OF THESE ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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