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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

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

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: EQUIFAX, INC.
State: KY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
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: GA

Complaint narrative:
On XX/XX/XXXX, I received a letter from MOHELA confirming that I had successfully met the requirements of the Public Service Loan Forgiveness ( PSLF ) program and that my student loans had been forgiven. The following month, I received a refund check, and the loans were removed from all three major credit reporting agencies. 
However, in XX/XX/XXXX, I began receiving a series of emails from MOHELA, notifying me that my student loan payments were due in a few weeks. I was stunned and confused. I made several calls to MOHELA, only to receive conflicting explanations from different representatives. Some claimed I hadnt met the programs requirements, while others insisted I had. Eventually, a representative escalated my case for review. Soon after, I received a letter stating that MOHELA had made an error in forgiving my loansdespite the fact that I had worked for a government agency for 12 years. 
This is not the kind of mistake MOHELA should be allowed to make. Their error has caused me severe financial distress and emotional hardship. According to the most recent communication, I am now expected to repay the refund I receivedalong with additional interest that has since accrued. 
At the time all of this unfolded, I was in the process of securing a home for my husband, who was 100 % XXXX. I had also purchased an accessible vehicle to ensure he could get to and from his XXXX appointments. Tragically, my husband has since passed away. Given these circumstances, it is unacceptable that MOHELA can simply dismiss their mistake without accountability. The consequences of their error have had a devastating impact on my life, both financially and emotionally.

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: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXXSubject: Formal Address Dispute Under Fair Credit Reporting Act (FCRA)XXXXDear Experian and CFPB Representatives,\n\nI am writing to formally dispute an inaccurate address reported on my credit file with Experian, in accordance with my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i.\n\nUpon reviewing my credit report (report attached), I found that one or more of the addresses listed under my personal information is incorrect or outdated. Specifically, I dispute the following address:\n\nDisputed Address(es):XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese address do not belong to me and may be the result of clerical error, outdated reporting, or inaccurate information provided by a third party. According to Section 611 of the FCRA, I am entitled to dispute incorrect or incomplete information on my credit report, and you are obligated to investigate the matter within 30 days of receiving this notice.\n\nI request that you immediately conduct a reinvestigation of the disputed address entries and delete or correct the incorrect addresses from my credit file. Attached is a copy of my credit report with the incorrect address(es) highlighted, as well as a copy of my government-issued ID and a utility bill verifying my current address.\n\nPlease send written confirmation once the inaccurate addresses have been corrected. If you determine that the addresses are being reported by a third-party furnisher, I request that you provide the name and contact information of the furnisher as required under the FCRA.\n\nFailure to remove or correct the inaccurate information within the required timeframe will result in me seeking all available remedies under law, including filing a complaint with the CFPB and pursuing civil action if necessaryXXXXThank you for your prompt attention to this matterXXXX 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 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I never gave Info to have line 5 and nationwide to take out my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: AL

Complaint narrative:
Additionally picking up from my previous complaint XXXX This representative stated on a recorded line that this debt came from left over property. 

After carefully reviewing my lease with the XXXX XXXX of XXXX, ( as I will attach a copy ) I reviewed the lease section titled 13. PROPERTY LEFT IN APARTMENT Removal After Surrender, Abandonment, or Eviction. Heres what it states : We or law officers may remove and/or store all property remaining in the apartment or in common areas if you are judicially evicted or if you surrender or abandon the apartment But it does not mention anything about charging you for that removal or storage. It simply says they may remove/store the property not that youll be billed.

Sending my account to collections without documented charges or lease-backed justification may be a violation of the Fair Debt Collection Practices Act ( FDCPA ).

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report. 



Acknowledge that the accounts and transactions are fraudulent. 
Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report. 
Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts. 

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name. 

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
I am submitting this complaint regarding federal student loans held with MOHELA that are connected to XXXX XXXX XXXX a now-closed and discontinued institution. I attended in XXXX XXXX and was never informed that the school was under investigation, losing accreditation, or facing financial instability. I discovered only after enrolling that the school would close in XXXX, leaving me with debt, no degree, and credits that can not be transferred. 

My loans were disbursed under false pretenses, and I was misled about the legitimacy and future of the school. I have submitted a Borrower Defense application and also formally disputed my loan with MOHELA. I am requesting CFPB to investigate the mishandling of my federal loan, the servicers refusal to address the legitimacy of the school or disclose the original loan file, and the broader pattern of misrepresentation from this institution.

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: 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: CO

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XXXX Date : [ Monday XX/XX/XXXX ] To Whom It May Concern, I am writing to formally dispute inaccurate information on my consumer credit reports under the Fair Credit Reporting Act ( FCRA, 15 U.S.C . 1681 ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. The discrepancies violate FCRA requirements for accuracy, fairness, and privacy, as well as Metro 2 compliance standards for credit reporting. 

# # # * * Specific Inaccuracies and Violations * * : 1. * * Closed Account Reporting as Open * * : - * * XXXXXXXX XXXX * * accounts ( closed on * * XX/XX/XXXX * *, and * * XX/XX/XXXX * * ) inaccurately report activity post-closure ( e.g., " Currently late '' status and balances in * * XXXX * * ). This violates * * FCRA 623 ( a ) ( 1 ) ( A ) * * ( duty to furnish accurate information ) and * * Metro 2 guidelines * * ( closed accounts must reflect {$0.00} balances and no ongoing activity ).

2. * * Conflicting Payment Histories * * : - Payment history percentages conflict across reports ( * * 78 % * *, * * 71 % * *, and * * 90 % * * on-time payments ). Discrepancies between Equifax ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ) violate * * CFPB 12 CFR 1022.42 ( a ) * * ( prohibition of contradictory data ). 

3. * * Incorrect " Currently Late '' Status * * : - * * XXXXXXXX XXXX * * is marked " Currently late '' with * * XXXX missed payments * * despite the account being closed in * * XXXX * *. This violates * * FCRA 605 ( a ) ( 3 ) * * ( reporting outdated information ) and * * Metro 2 * * standards for closed account status. 

4. * * Duplicate Reporting * * : - Multiple entries for * * XXXXXXXX XXXX * * ( e.g., " XXXX '' vs. " XXXX XXXX  '' ) suggest duplicate reporting, breaching * * Metro 2 * * requirements for unique account identification. 

5. * * High Credit Utilization Misrepresentation * * : XXXX XXXX * * {$1500.00} balance * * on a closed account with a * * {$1800.00} limit * * falsely implies 84 % utilization. Closed accounts must report {$0.00} balances per * * CFPB Bulletin 2014-01 * *.

# # # * * Requested Actions * * : - * * Immediate Correction * * via E-OSCAR system to resolve inaccuracies.

- * * Metro 2 Compliance * * : Update all accounts to reflect {$0.00} balances, closed status, and remove post-closure activity.

- * * Investigation * * under * * FCRA 611 ( a ) ( 1 ) * * within 30 days, per statutory requirements. 
- * * Deletion * * of duplicate entries and erroneous late payment markers. 

# # # * * Documentation * * : Copies of reports ( XXXX ) and account closure notices are attached. 

Failure to comply will result in escalation to the * * CFPB * * and legal action under * * FCRA 616 * * ( civil liability for negligent noncompliance ). 

Sincerely, * * XXXX XXXX * *

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: EQUIFAX, INC.
State: MS

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

I looked at my XXXX  Equifax & XXXX  credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: EQUIFAX, INC.
State: LA

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

I looked at my XXXX Equifax & XXXX credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: FL

Complaint narrative:
Equifax is listing hard inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) that I never approved or initiated. These inquiries appear to have been added without my knowledge and may reflect an internal failure to follow proper validation protocols. Its unacceptable for such inquiries to be placed on my report without clear consumer consent. Given the pattern across all three bureaus, it is highly likely that these entries are tied to a data breach or misuse of my personal 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: PA

Complaint narrative:
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: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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