vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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 submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that XXXX  permanently block and delete fraudulent accounts and inquiries that appeared on my credit report due to identity theft. 

The following items were not opened, authorized, or initiated by me : A personal loan account with XXXX XXXX opened on XX/XX/year> A personal credit card account with XXXX XXXX, opened on XX/XX/year> A hard inquiry from XXXX XXXX XX/XX/year> XXXX have never had a financial relationship with these companies, and these accounts and inquiries were fraudulently created without my consent. 

In accordance with FCRA 605B, I request that XXXX  : Permanently block and delete these fraudulent accounts and inquiries from all versions of my credit report ; Notify the furnishers that this data has been identified as fraudulent ; Ensure no future reinsertion or collection activity related to these accounts or inquiries. 

I have attached my FTC Identity Theft Report and credit reports from all three bureaus ( XXXX, XXXX, and Equifax ) which clearly show these fraudulent items. I ask that TransUnion take appropriate action within the 4-business-day window required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I am a XXXX  of the U.S. military and due to military-related life disruptions, two late payments were reported by XXXX XXXX XXXX XXXX XXXX XX/XX/year> and XX/XX/year> while I had, due to XXXX XXXX, no access to a cellphone. I submitted a dispute through both Basic and Advanced Fair Credit Reporting Act ( FCRA ) channels and froze all secondary data sources ( XXXX, XXXX, etc. ). Despite this, XXXX XXXX still verified the information as accurate without proper evidence. 
This appears to be a violation of Section 607 and 611 of the FCRA which requires maximum possible accuracy and proper investigation. 
I am requesting immediate removal of these late payments due to insufficient verification and hardship caused by active military status.

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 2025-05-16 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: TX

Complaint narrative:
I am a XXXX  of the U.S. military and due to military-related life disruptions, two late payments were reported by XXXX XXXX XXXX XXXX XXXX XX/XX/year> and XX/XX/year> while I had, due to XXXX XXXX, no access to a cellphone. I submitted a dispute through both Basic and Advanced Fair Credit Reporting Act ( FCRA ) channels and froze all secondary data sources ( XXXX, XXXX, etc. ). Despite this, XXXX XXXX still verified the information as accurate without proper evidence. 
This appears to be a violation of Section 607 and 611 of the FCRA which requires maximum possible accuracy and proper investigation. 
I am requesting immediate removal of these late payments due to insufficient verification and hardship caused by active military status.

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 2025-05-16 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: TX

Complaint narrative:
I am a XXXX of the U.S. military and due to military-related life disruptions, two late payments were reported by XXXX XXXX XXXX XXXX XXXX XX/XX/year> and XX/XX/year> while I had, due to XXXX XXXX, no access to a cellphone. I submitted a dispute through both Basic and Advanced Fair Credit Reporting Act ( FCRA ) channels and froze all secondary data sources ( XXXX, XXXX, etc. ). Despite this, XXXX XXXX still verified the information as accurate without proper evidence. 
This appears to be a violation of Section 607 and 611 of the FCRA which requires maximum possible accuracy and proper investigation. 
I am requesting immediate removal of these late payments due to insufficient verification and hardship caused by active military status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NC

Complaint narrative:
XXXX XXXX XXXX had me to take out a XXXX XXXX loan for my daughter and I dont think she needed it because she had financial aid and I paid an extra {$10000.00} with that. My Daughter attended the college and did not even complete the XXXX year which it says That the college is supposed to return the money spent if the child does not complete the year or it is considered a breach of contract. Somewhere down the line while I was paying on the account, my daughter asked me why was I still paying on the XXXX XXXX loan when she had received a loan forgiveness to the same XXXX XXXX loan, because to me thats double dipping taking money from me that I dont have so I submitted a claim that I did not owe this money and the account was closed several times, but it seems like every year the account reappears and kills my credit score. somehow, this loan keeps being reported as delinquent or missed payments when I really dont owe them anything. Truth be told they owe me. My daughters name is XXXX XXXX if anyone want to look into it for me, I would greatly appreciate it and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I started having problems of viewing my credit report I was constantly getting code 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 2025-05-16 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I am writing to dispute the inaccurate and potentially damaging personal information on my Experian credit report, specifically the listing of an " Also Known As '' name, XXXX XXXX XXXX. This name is not, nor has it ever been, associated with my identity, and its presence on my credit report is not only incorrect but also deeply concerning. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain maximum possible accuracy in the information it reports, as stated in 15 U.S.C. 1681. Given that this incorrect alias has no legitimate connection to my personal or financial history, its continued presence suggests a failure to properly verify or update my information, potentially as a result of a data breach or internal error. This oversight has caused unnecessary stress and confusion, as it can lead to misidentification, denial of credit, or other financial hardships. 

The inclusion of this erroneous name has had a profoundly negative impact on my financial stability and peace of mind. It has complicated my efforts to secure fair credit opportunities, potentially lowering my creditworthiness and damaging my financial reputation through no fault of my own. I expect Experian to prioritize accuracy in its reporting, as even seemingly small errors like this can have far-reaching consequences for consumers. This mistake has not only disrupted my financial progress but has also placed an undue emotional burden on me, as I am forced to question the security and reliability of the information being reported about 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am an active-duty XXXX XXXX XXXX XXXX Due to military obligations and limited access to communication during training, Bank of America reported late payments for XXXX and XX/XX/year>. 
I disputed these entries under the Fair Credit Reporting Act ( FCRA ), citing violations of Sections 607 and 611, and I froze secondary reporting bureaus ( XXXX, XXXXXXXX XXXX XXXX. ) to prevent unverifiable data confirmation. 
Despite this, Bank of America continued to report the lates as accurate without providing documentation or validating their investigation. This appears to be an FCRA violation. 
I am requesting immediate removal of these late payments due to lack of verification and service-related hardship.

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 2025-05-17 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: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: DC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year>, I called Chime customer service to ask about transaction details. I explained that I had a seller that used Chime to sell goods so I asked the Chime representative that I was talking what do I do. He said just as long as I use a debit card transaction then I would be able to get back my funds should anything goes wrong. That's the information I was told and nothing else in detail or further. It's been XXXX weeks or so that the seller isn't responding to me and I have the screenshots of our conversation. I go back to Chime customer service and tell them everything of what happened and I am told by another representative and a supervisor they can't do anything. They told me what I could've done but this is after I made the {$300.00} transaction and believing the first Chime representative that I asked my questions with. I asked to speak to corporate and I was denied that as well. Now in my opinion, I feel it was wronged due to the understanding I was giving from the first initial Chime representative I spoke with. This is my first transaction I have ever attempted with Chime. I XXXX want them to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was the victim of unauthorized transactions processed via XXXX XXXX, but funded through my US Bank debit card ending in XXXX. The transactions do not show up in my XXXX XXXX statement, but they clearly appear in my US Bank billing history as : XXXX XXXX Sent XXXX Despite this, both XXXX and US Bank are refusing to take responsibility. US Bank reversed the provisional credit and closed the dispute. XXXX claims they can not trace or provide documentation of these transactions because they dont appear in the XXXX XXXX balance history, even though XXXX clearly processed these charges through their payment system. 

I have contacted : XXXX XXXX  and XXXX XXXX XXXX team US Banks Fraud Department I was denied escalation and was told nothing could be done

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 2025-05-16 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: PA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate late payment entries for XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/year>, currently listed on my XXXX, Experian, and XXXX  credit reports. These late payment records are reporting a past due amount of {$0.00}, which is clearly misleading and improperly impacting my credit profile. Despite my previous disputes, these inaccuracies remain uncorrected, reflecting a failure by each bureau to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I have the right to accurate reporting under 15 U.S.C. 1681, which mandates that credit bureaus ensure the maximum possible accuracy of the information they maintain. The continued presence of this erroneous late payment, despite clear evidence of its inaccuracy, not only misrepresents my financial responsibility but also unfairly damages my credit score, limiting my access to fair lending terms and credit opportunities. This lack of accurate reporting creates an unjust financial burden and reflects a significant oversight in the bureaus ' investigative processes. 

Given the substantial impact this has on my financial health, I must emphasize the urgency of addressing this matter. It is essential for the bureaus to take immediate action to correct this entry, as the ongoing presence of this inaccurate late payment can hinder my financial stability and long-term creditworthiness. The FCRA explicitly requires credit bureaus to conduct thorough and reasonable investigations, ensuring the accuracy and completeness of all reported information. Failing to meet this obligation violates my rights as a consumer and undermines the integrity of the credit reporting system.

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
On XX/XX/year> I was formally discharged from my student loans. I was on the Public Service Loan Forgiveness program and only XXXX payments were needed in order for forgiveness to occur. I overpaid by XXXX payments and have requested a refund through both certified mail and email. Refunds take up to XXXX weeks to process but can take XXXX  days. I am at XXXX  days and have made several attempts to call Mohela and the Federal Student Loan Program but have been unable to get a live person. I have emailed Mohela on the following dates only to be told to call ( and I have waited on hold for over XXXX hours only to not be answered ) : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I sent a certified letter requesting my refund to both the Federal Student Loan Program and Mohela on : XX/XX/year>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : DEPT OF EDXXXX  XXXX : {$1300.00} Account No XXXX DEPT OF EDXXXX  XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief