vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: AZ

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-30 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: AZ

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-07-30 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: GA

Complaint narrative:
I have noticed several discrepancies on my credit report, and it is also reporting 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 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I believe some collection accounts listed on my report contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MS

Complaint narrative:
Ive noticed errors in the personal information shown on my credit report. I respectfully ask that a formal investigation be initiated to correct and update the details within five business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: ME

Complaint narrative:
Complaint against : MOHELA STUDENT LOAN COMPANY Mohela does not respond to any emails regarding the status of my IBR application, has not provided any information concerning interest rates starting in XXXX, and has refused to process my IBR application since XX/XX/year> despite IBR application processing resuming in XXXX / XX/XX/year>. 

Mohela is neglecting responsibilities to student loan borrowers, and refuses to respond to complaints/ questions. I am unable to reach representatives in a timely manner when I call. Mohela has a duty to process applications and assist borrowers. 


I have received no communication in months.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
I understood that I would be able to draw on this line of credit and did do that. I did not realize the interest rate was so high ( 399 % ), that the payments would change, or that the payments would be twice per month. It was stupidity on my part. I'm not trying to get out of paying the loan. I just need to get the payments lowered and changed to once a month. I did call about this and asked them to close the loan but as long as there is a balance they won't do it. Unfortunately I don't have dates for our conversations. The company has been very polite. I just need help in trying to get these payments under control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I was notified today that a collection account from Sequium Asset Solutions was added to my credit report, listing XXXX XXXX XXXX as the original creditor. I dispute this debt entirely, as I do not owe XXXX XXXX XXXX any outstanding balance, nor did I receive any written communication from Sequium before this negative reporting. 

The account was added to my credit profile without any prior notice or attempt to validate the alleged debt, which has now impacted a financial transaction I was attempting to complete today. This reflects a serious failure by both XXXX XXXX XXXX and Sequium Asset Solutions to follow proper procedures and perform due diligence. 

This appears to be an error originating from XXXX XXXX XXXX, and Sequium Asset Solutions reported the account without verifying its accuracy. I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I have attached the XXXX XXXX XXXX Transfer of Billing Responsibility Terms and Conditions, which I believe clarify that I am not responsible for the charges in question. This successful transfer was to a business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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 noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXXCharge Card-opened in XX/XX/XXXX XXXXCharge Card-opened in XX/XX/XXXXXXXX XXXX-Charge Card-opened in XX/XX/XXXXXXXX XXXX XXXX XXXX-Credit card-opened in XX/XX/XXXX XXXX XXXX Card-opened in XX/XX/XXXX XXXX XXXX cell phone- opened in XX/XX/XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX collection- opened in XX/XX/XXXX XXXX- Credit card-opened in XX/XX/XXXXXXXX XXXX XXXX  XXXX loan- opened in XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX inquiried on XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXXXXXX XXXX XXXX inquiried on XX/XX/XXXX These items were added to my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
When I submitted a complaint through the Consumer Financial Protection Bureau ( CFPB ), EdFinancial falsely claimed that I had previously logged into their system and requested email-only communication in XXXX. This is simply not true I had never accessed their platform prior to creating my account recently, after the credit damage had already occurred. 

The situation has become even more concerning. According to my credit report, I was marked 90 days past due on XX/XX/XXXX. I immediately paid both the past due and current amounts on XX/XX/XXXX, and the payment cleared my bank account. Yet, just two days later on XX/XX/XXXX, EdFinancial reported me as 120 days past due despite having already received and processed my payment. This timeline is completely illogical and raises serious concerns about how they are reporting borrower activity. This false information is illegal to report on EdFinancials behalf.

When I called EdFinancial, I was told that I had actually paid ahead and that I didnt owe another payment until XXXX of next year. However, the XXXX XXXX XXXX website shows that my next payment is due in XXXX and more importantly, it also shows that I have been in forbearance since XXXX, meaning I should not have been charged at all during this time. Yet EdFinancial has continued to bill me, report me as delinquent, and penalize my credit for nonpayment during a period when I was not legally required to make payments.

This raises a deeply troubling question : Why am I being reported as delinquent and penalized for not making payments during an official forbearance period? The conflicting information between EdFinancial and XXXX XXXX XXXX makes it impossible to know who to trust or how to remain in good standing. I fear this may be a systemic issue whether from mismanagement or something more deliberate that is harming borrowers who are doing their best to follow the rules. 

As a result of this chaos, my credit score has dropped from XXXX to XXXX, and continues to decline despite full payment. This sudden and devastating blow has impacted my ability to qualify for housing, pursue financial goals, and maintain peace of mind. The mental and emotional toll this situation has taken on me has been overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 explanation
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to formally report multiple inaccurate, incomplete, and unverified items that continue to be reported on my credit report despite my previous efforts to dispute and resolve them directly with the credit reporting agencies. These inaccurate entries are damaging my creditworthiness, affecting my financial opportunities, and causing me emotional distress. This is my second time raising these issues, and my initial disputes remain unresolved. I have not submitted this matter to the Federal Trade Commission ( FTC ) yet, but I intend to do so if this complaint is not resolved promptly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Date Opened : XX/XX/year> | Balance : {$0.00} Late Payment * * This mortgage entry also incorrectly reflects late payment even though the balance is listed as {$0.00}. I strongly dispute this reporting. 
Issue : False derogatory reporting on closed/paid account Law Violated : FCRA 1681i Failure to reinvestigate disputed information FCRA 1681e ( b ) Duty to ensure maximum possible accuracy Story : This is damaging and incorrect. I maintain detailed records showing on-time payments. Reporting this as late not only misrepresents my financial responsibility but also violates my right under FCRA to fair and accurate credit reporting. 
Each of these accounts has been previously disputed with the credit reporting agencies, but they continue to remain unresolved and inaccurately reported. I have not received proper responses or investigation results from the CRAs. This ongoing reporting of inaccurate and unverified information violates my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and has caused me emotional distress, financial loss, and reputational damage. 
I am requesting the CFPB to conduct a full investigation into these inaccuracies and ensure that these accounts and the false address are either corrected or permanently removed from my credit profile. I am also requesting that you instruct the credit bureaus and furnishers to provide documentation verifying the validity of these accounts and their reporting accuracy. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I requested information on the account because its not mine. And no one responded now here it is several months later and they want to try to take me to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
I am disputing incorrect address and when I got a response from Equifax they had my last name spelled wrong as well. I have provided proof of address online and I have mailed proof to all three credit bureaus.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing incorrect address and when I got a response from Equifax they had my last name spelled wrong as well. I have provided proof of address online and I have mailed proof to all three credit bureaus.

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 2025-07-30 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
In XXXX of last year, I attempted to place a credit freeze on my equifax account yet was told that they couldn't find a record for me. The customer service representative asked me to submit my freeze request by mail, so I mailed them a copy of my documents, and received a confirmation that they had placed the freeze on my account. On XX/XX/XXXX, I tried to access my account again to request a temporary lift of my freeze, and faced the same issue with login. I called equifax on XX/XX/XXXX to ask for help lifting the freeze, and was told to send my documents over again through mail because they could not find a record for my SSN. I complied with their instructions and sent over the documents they requested. Additionally, I submitted a complaint on CFPB because of equifax 's inability to provide me with my credit report. 
On XX/XX/XXXX, I received a response alerting me that they could not find my credit account, and asking me to send over official documents verifying my SSN and address. The documents they requested were identical to the ones I sent on XX/XX/XXXX, yet I complied and mailed them another copy. 
On XX/XX/XXXX, I received a response from my CFPB complaint containing the same information as the letter I received from equifax on XX/XX/XXXX. Since I had already sent over the documents they requested, I took no further action. 
On XX/XX/XXXX, I received a response to the documents I sent on XX/XX/XXXX. The letter they sent me was identical to the letter I received from them on XX/XX/XXXX. I have complied with the instructions regarding which documents to send to them, and I have mailed these documents to them multiple times. However, every response I receive from them simply reiterates information from previous responses, and I have not resolved my issue. I am hoping to apply for a credit card, and a car loan, and I can not do this until equifax verifies my identity and sends a credit report to the companies who are attempting to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
Kindly delete these unauthorized accounts from my credit report, as I did not create them and was not informed of their presence. In compliance with USC 1681g, I expect their removal within 15 days. Please find the enclosed supporting documents.

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 2025-07-30 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: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-30 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: CA

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-07-30 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 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. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX  Account number : XXXXXXXX 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