vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: MOHELA
State: GA

Complaint narrative:
My personal and financial data was compromised violating FERPA. Also there is no record of my initial Master Promissory Note under the XXXX Department. I attended Georgia XXXX University from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
Company never sent me information to my home address. However they sent a letter to my employer The address is a known business I have lived in the same address for 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: NJ

Complaint narrative:
I filed a dispute due to fraud I wont the dispute so the funds should have been reversed and they were the money was in my cashapp then one day it disappeared. Cashapp call because of the reversal from the bank it went to them. XXXX XXXX says cashapp has not sent them nothing. Ive called several times a day sent emails and nothing. They just say they sent it and they cant do anything further to assist me. I keep calling they someone will get back to me. So basically my money was stolen after I was already scammed through them for XXXX $ now my XXXX $ is missing and after over a year I still have not seen it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I filed a FTC Report Number : XXXX because victim of Identity Theft and followed the plan FTC had and it did not help. 

I wrote a letter to Synchrony Bank on XX/XX/year>2023. 

I sent a follow up letter to Synchrony Bank on XX/XX/year>2023 because I did not receive any response. 

I sent a letter to the credit bureaus and have tried online disputes I did not receive any response or verified with no documentation. 

Synchrony Bank is now Ally Lending

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 2025-03-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Violation of 15 U.S. Code 1681o To Whom It May Concern, I am formally disputing inaccurate and misleading information on my credit report, which Experian has failed to correct despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Experian is liable for negligent noncompliance with federal credit reporting laws. Your continued failure to investigate and correct these errors constitutes a violation of my rights. 



The following information on my credit report is inaccurate : Incorrect Names : XXXX XXXX, Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX Balance {$820.00} Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX balance {$390.00} Fraudulent Accts : XXXX XXXX acct # XXXX Opened XX/XX/XXXX balance {$0.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX balance {$100.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX XXXX {$240.00} XXXXXXXX acct # XXXX Opened XX/XX/XXXX balance {$100.00} Fraud Adresses : XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Fraud Employers : XXXX XXXX Fraud Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed copies of my previous dispute letters, supporting documentation, and a copy of my credit report with the inaccurate items highlighted. I request that you immediately investigate and correct these errors as required by law. 

Under 15 U.S. Code 1681o, if Experian continues to negligently maintain inaccurate information on my credit file, I have the right to seek damages, including actual damages and attorney fees. I urge you to resolve this matter promptly to avoid further legal consequences.

l expect a written response confirming your investigation and any corrections made within 30 days of receiving this letter, as required by law. If Experian fails to take appropriate action, l will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I may also pursue legal action to recover damages. 

Please confirm receipt of this dispute and provide written documentation of the steps you are taking to resolve these inaccuracies. You may contact me at the information provided above should you need further details. 



Sincerely, XXXX XXXX Enclosures : Copy of ID Copies of Utility bill Supporting documentation

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 2025-03-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Violation of 15 U.S. Code 1681o To Whom It May Concern, I am formally disputing inaccurate and misleading information on my credit report, which Experian has failed to correct despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, Experian is liable for negligent noncompliance with federal credit reporting laws. Your continued failure to investigate and correct these errors constitutes a violation of my rights. 



The following information on my credit report is inaccurate : Incorrect Names : XXXX XXXX, Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX Balance {$820.00} Fraudulent Accts : XXXX acct # XXXX Opened XX/XX/XXXX balance {$390.00} Fraudulent Accts : XXXX XXXX acct # XXXX Opened XX/XX/XXXX balance {$0.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX balance {$100.00} Fraudulent Accts : XXXX acct XXXX XXXX Opened XX/XX/XXXX XXXX {$240.00} XXXXXXXX acct # XXXX Opened XX/XX/XXXX balance {$100.00} Fraud Adresses : XXXX XXXX XXXX AV XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Fraud Employers : XXXX XXXX Fraud Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have enclosed copies of my previous dispute letters, supporting documentation, and a copy of my credit report with the inaccurate items highlighted. I request that you immediately investigate and correct these errors as required by law. 

Under 15 U.S. Code 1681o, if Experian continues to negligently maintain inaccurate information on my credit file, I have the right to seek damages, including actual damages and attorney fees. I urge you to resolve this matter promptly to avoid further legal consequences.

l expect a written response confirming your investigation and any corrections made within 30 days of receiving this letter, as required by law. If Experian fails to take appropriate action, l will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I may also pursue legal action to recover damages. 

Please confirm receipt of this dispute and provide written documentation of the steps you are taking to resolve these inaccuracies. You may contact me at the information provided above should you need further details. 



Sincerely, XXXX XXXX Enclosures : Copy of ID Copies of Utility bill Supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: Experian Information Solutions Inc.
State: NY

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.

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 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
This account is being reported inaccurately and must be removed. According to 15 U.S. Code 1692c, my rights have been violated due to unlawful and unauthorized communications by the reporting party. I have not given consent to be contacted in the manner in which communication was conducted, and such contact constitutes a violation of federal law. Furthermore, I request validation of this debt, as required by the FDCPA, and until such validation is properly provided, this account must not be reported. I am formally requesting that this account be deleted from my credit report immediately due to noncompliance with federal statutes and failure to follow proper dispute and validation procedures. Please conduct a thorough investigation and remove this account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
I am demanding the immediate deletion of this DEPTEDXXXX student loan account from all credit reporting agencies ( TransUnion, Experian, and Equifax ). This account is listed as closed and paid with a {$0.00} balance but continues to appear on my credit report. It was previously disputed and marked as " Dispute resolved ; reported by grantor, '' which I strongly contest. 
Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE were given unprecedented access to vast amounts of educational data including DEPTED/XXXX  records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report. 
I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Someone else used my credit card without my knowledge and bought me a stupid gift from a drifter and scammer. Half of it was not received, the other half was completely defective. I effectively got NOTHING of value. The merchant has the poorest possible ratings from the XXXX. Yet, my credit union refuses to refund my money. They are completely in the wrong here and I am ready to sue them plus throw away our relationship that started over a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
TransUnion added late payments on multiple accounts shortly after I submitted disputes regarding inaccurate reporting. They also continue to report charged-off and collection accounts without providing proper verification or documentation. These actions appear retaliatory and violate the FCRA. I am requesting immediate removal of these inaccurate entries and a formal CFPB investigation.

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 2025-03-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX D.C. XXXX Subject : Request for Investigation Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request an investigation into the procedures employed by the credit reporting agenciesExperian, Equifax, and TransUnionregarding the accuracy of my credit inquiries and personal information on file.

Under the Fair Credit Reporting Act ( FCRA ), I believe it is imperative that credit reporting agencies maintain accurate and up-to-date records. I have identified discrepancies within my credit reports that require rectification. Specifically, I request the removal of all credit inquiries that do not accurately reflect my name as it is presented on my official identification : XXXX, XXXX XXXX Any variations of my name that do not correspond with this format are inaccurate and should be considered false. 

Furthermore, I insist on the removal of all addresses associated with my credit profile except for my current, sole address : XXXX XXXX XXXX, XXXX, PA XXXX. This has been my official address since XX/XX/XXXX, and any other addresses listed are incorrect. 

Additionally, I kindly request a detailed account of the investigative procedures and criteria used by the credit reporting agencies to determine the accuracy of the information they maintain. It is crucial for consumers to understand how these processes operate, especially when it affects our financial reputation and creditworthiness. 

I appreciate your attention to this matter and look forward to your prompt response. Thank you for your assistance in ensuring the accuracy of my credit reporting. 

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 2025-03-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Request for Address Removal under Consumer Law Dear Experian, I am writing to formally request the removal of an incorrect address from my credit report. I previously submitted this request on XX/XX/year>2025, XXXX.2025 AND XX/XX/year>2025 VIA CERIFITIED MAIL but the inaccurate address is still being reported. 

As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 to ensure that only accurate information is maintained on my credit profile. According to 15 U.S.C. 1681b and 1681i ( a ) ( 5 ) ( A ), credit reporting agencies are required to remove unverifiable, inaccurate, or obsolete information from a consumers file. 

The address in question is : XXXX XXXX XXXX XXXX XXXX, MN XXXX ] This address is not associated with me, and I am requesting that it be permanently removed from my file. ACROSS ALL CREDIT REPORTING BUREAUS, I am enclosing a copy of my valid ID and proof of my current address for verification purposes. 

Please conduct an immediate investigation and correct this error. If the information can not be verified, it must be deleted. I expect to receive written confirmation of the results of this investigation within 30 days, as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX SSN ( Last 4 Digits ) : XXXX Date of Birth : [ XXXX ] Enclosures : Copy of valid ID Proof of current address

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 2025-03-22 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: PA

Complaint narrative:
I am filing this formal complaint against the inaccurate and misleading reporting of an account listed as XXXX XXXX on my credit reports with TransUnion, Experian, and Equifax.

ACCOUNT DETAILS : Account Type : Installment ( Secured Loan ) Date Opened : XX/XX/XXXX Reported As : Closed/Paid High Credit : {$1900.00} Balance : {$0.00} Account Status : Current Date Last Active : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Last Reported : XX/XX/XXXX ( TU/EX ), XX/XX/XXXX ( EQ ) VIOLATIONS IDENTIFIED : Furnishing Inaccurate Information FCRA 623 ( a ) ( 1 ) ( A ) : The account status is marked as Current even though the account is closed and paid in full. Reporting a closed account as " current '' is inaccurate and misleading to creditors and violates your duty to report complete and accurate information.

Inconsistent Reporting Across Bureaus : TransUnion and Experian list the Closed comment but still report the payment status as Current.

Equifax states Closed or paid account/zero balance Secured, which aligns more accurately with the accounts actual condition. These inconsistencies suggest incomplete and conflicting reporting practices, which affect my credit profile unfairly.

Potential Re-aging and Misreporting of Activity Dates FCRA 605 ( c ) : The " Date Last Active '' and " Date of Last Payment '' are shown as XX/XX/XXXX, even though the loan originated in XX/XX/XXXX and was paid within 20 months. This could be a case of re-aging, which is prohibited under the Fair Credit Reporting Act as it artificially extends the reporting period and harms my credit unfairly.

Failure to Update Information FCRA 623 ( a ) ( 2 ) : This account has not been updated accurately to reflect its closed and paid status across all bureaus, with improper payment history reporting that implies the account is still in active repayment 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 2025-03-22 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: TX

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.

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 response to consumer: Closed with non-monetary relief