vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
In XX/XX/XXXX, I filed a dispute with Equifax regarding a fraudulent XXXXXXXX XXXX account reported by XXXX XXXX XXXX XXXXXXXX ( Account ending in XXXX XXXX ). I submitted a sworn identity theft affidavit, FTC XXXX report, and a detailed letter explaining that the account was opened as a result of identity theft. 

Equifax reviewed my dispute and confirmed deletion of the account on XX/XX/XXXX ( Confirmation # XXXX ). This was the correct resolution. 

However, in XX/XX/XXXX, the same account reappeared on my credit report without any notice or certification. I immediately disputed the account again, but Equifax denied the dispute, claiming the information was verified as belonging to me, despite the prior identity theft documentation and prior deletion. 

This violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 1681i ( a ) ( 5 ) ( B ) : Equifax failed to notify me within 5 business days of re-reporting a previously deleted item and failed to provide certification of accuracy from the furnisher.

1681c-2 : Once identity theft documentation is received, the account must be permanently blocked and not reinserted.

1681i ( a ) ( 1 ) : Equifax failed to conduct a reasonable reinvestigation despite prior confirmation of fraud.

This reinsertion is severely damaging my credit and violating my rights as a documented identity theft victim. All supporting documents, including the original deletion notice, sworn affidavit, FTC report, and creditor notification, are uploaded here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FMA Alliance, Ltd.
State: NJ

Complaint narrative:
In XX/XX/XXXX, my personal information was used without my knowledge or consent to obtain a personal loan from XXXX. 

In XX/XX/XXXX, I learned of the fraudulent account after it was reported on my Transunion credit report. 

In XX/XX/XXXX, I filed an Identity Theft Report with the FTC on ftcidentitytheft.org. I also filed a dispute with Transunion. In support of my dispute I attached a copy of the FTC identity theft report, a copy of my drivers license, and proof of address. XXXX  advised that they contact XXXX and XXXX refused to remove the account from my credit report. 

In XX/XX/XXXX, I received a letter from XXXX  that included loan documents that I did not sign, had no knowledge of, and did not belong to an account that I authorized or opened. XXXX requested a copy of the FTC Identity Theft report, my drivers license, and a letter from my bank indicating fraudulent unauthorized charges to the account. Therefore, I submitted a copy of my competed Identity Theft Report filed with the Federal Trade Commission ( FTC ) at XXXX and a copy of my valid government-issued ID ( drivers license ) and documentation related to a XXXX XXXX account XXXX in XXXX. Accordingly, I have provided all of the requested documentation in support of my dispute. 

XXXX has continued to disregard my dispute and continues to sell the debt to various creditors who contact me from various different phone numbers throughout the day and refuse to assist with my dispute in violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
In XX/XX/XXXX, my personal information was used without my knowledge or consent to obtain a personal loan from XXXX. 

In XX/XX/XXXX, I learned of the fraudulent account after it was reported on my Transunion credit report. 

In XX/XX/XXXX, I filed an Identity Theft Report with the FTC on ftcidentitytheft.org. I also filed a dispute with Transunion. In support of my dispute I attached a copy of the FTC identity theft report, a copy of my drivers license, and proof of address. Transunion advised that they contact XXXX and XXXX refused to remove the account from my credit report. 

In XX/XX/XXXX, I received a letter from Upstart that included loan documents that I did not sign, had no knowledge of, and did not belong to an account that I authorized or opened. XXXX requested a copy of the FTC Identity Theft report, my drivers license, and a letter from my bank indicating fraudulent unauthorized charges to the account. Therefore, I submitted a copy of my competed Identity Theft Report filed with the Federal Trade Commission ( FTC ) at XXXX and a copy of my valid government-issued ID ( drivers license ) and documentation related to a XXXX XXXX account XXXX in XXXX. Accordingly, I have provided all of the requested documentation in support of my dispute. 

XXXX has continued to disregard my dispute and continues to sell the debt to various creditors who contact me from various different phone numbers throughout the day and refuse to assist with my dispute in 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Complaining about Dept of Education/Nelnet Credit Reporting - Unfair practice I am a loan officer, working in the mortgage industry. In recent months, many of my clients suddenly have 90 day lates reporting to their credit reports. There are no 30 day lates or 60 days late prior to the 90 day late. A 90 day late payment on a credit report is considered far worse than a 30 day late. Everyone of my clients, immediately paid the bill when they saw a late payment hit their credit report, because they monitor their credit and had no idea they owed the payment until it reported 90 days late. They should not be allowed to report sudden 90 days late when there is not a 30 day and 60 day late leading up to the 90 day late. It is destroying peoples ability to qualify for mortgages. Then, there is he other end of it, when people have student loans, although it is one payment to them, they can often times have 10, 20, 30 separate student loans, so if one is late, then all of them are late. Sudden 90 day lates should not be possible, when there was no late reported prior to the 90 day late. This is unfair and abusive practice which is destroying peoples dreams of homeownership. Again, I have multiple different clients experiencing this same problem this year. It is totally unfair and wrong.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Equifax has been wrongfully reporting a repossession on my credit after I have told them multiple times it does not belong to me. They claim they are looking into it and providing me with proof that it was me but they never do. If an account was opened with my information it is clearly FRAUD and I have said that multiple times.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-20 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IN XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$720.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NV

Complaint narrative:
Updated Complaint Statement Regarding Discover Card Account I am writing to submit new and critical information regarding my previous complaint about Discover Card. 

Upon reviewing my records more closely, I discovered that I have received multiple collection letters from third-party debt collectors specifically XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX both attempting to collect on the same Discover Card account for the same balance of {$2400.00}. These letters date back to XXXX and XX/XX/year>2025. 

This proves that Discover has either sold or assigned the account to a third-party debt collector, yet they continue to report this debt to the credit bureaus as if they still own it. The debt collectors are not listed on my credit report at all only Discover is still furnishing the tradeline, which is marked as closed. This is misleading, harmful to my credit score, and a violation of multiple consumer protection laws.

Violations Committed by Discover : 1. Failure to Report Accurate Information Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), furnishers of information to credit bureaus must report only accurate and current data. Discover is reporting this debt as if they still own it, when it is clearly being collected by other agencies.

2. Failure to Properly Investigate and Update Disputed Accounts Per 15 U.S. Code 1681s-2 ( b ), once a consumer files a dispute, the furnisher must conduct a reasonable investigation and, if the information is inaccurate, correct or delete it. Discover has failed to correct the tradeline despite being notified of my dispute and providing no written validation directly to me.

3. False and Misleading Credit Reporting Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 8 ), a company must not communicate credit information that is known to be false or misleading. Continuing to report a tradeline as if the original creditor still owns the account while third parties are actively collecting on it is a deceptive and unlawful practice.

Request for Action : Given that Discover has failed to validate this debt in writing ( as I previously reported ), and they no longer appear to be the legal owner of the account, I am requesting that the Discover tradeline be deleted in full from all consumer reporting agencies ( XXXX XXXX and XXXX ). 

I have attached both debt collection letters as proof. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am formally requesting that the dispute comment associated with the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be removed from my credit report across all applicable credit bureaus. In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have notified the credit bureaus that I am no longer disputing this item, and the continued presence of the dispute remark is now inaccurate and misleading.

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 2025-06-19 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
In XX/XX/XXXX I purchased an XXXX, which was put onto a Citizens credit account through the store it was purchased at. Several weeks later I returned the XXXX, receiving a full refund to the Citizens account. The time was so short that I never received a statement from Citizens saying I owed anything because the purchase was returned. It wasn't until over a year later that I noticed XXXX  had a remark in my credit profile about a derogatory account. I investigated and found that in the record for the Citizens account, it stated that the account was not paid and eventually paid off by the creditor. Neither XXXX or XXXX  showed this. I created a dispute through XXXX  on XX/XX/XXXX. The dispute didn't fix anything. They said they used the information provided by the bank and nothing changed. I contacted both XXXX  and Citizens to see if I could determine the issue. XXXX  said they just used the information given to them and Citizens told me that my account showed closed in their system and it did not state anywhere on their side that it was paid off by them. I contacted XXXX  again with this information and they said they would have someone high get in touch with me, but that never happened. On XX/XX/XXXX, I created a second dispute with XXXX  about the incident. This time, when they said the dispute was completed, my credit score went up by XXXX points on XX/XX/XXXX. I thought that meant the issue had been resolved correctly. On XX/XX/XXXX, I received an alert that my XXXX  credit scored dropped XXXX points, but my scores at XXXX  and XXXX  remained intact. I went into my XXXX  credit report and once again, the Citizens entry showed that my account had been paid off by creditor. I created a third dispute on XX/XX/XXXX, to which I received the same response as the first dispute, and nothing changed. I have included documents that clearly show my original purchase, and return, a screen shot showing the account in question had a {$0.00} balance in XXXX and XX/XX/XXXX, 1 month before it was supposedly paid off by creditor, screenshots of what XXXX  shows for this account and screenshots of what XXXX  and XXXX  have listed for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am formally requesting that the dispute comment associated with the account XXXX XXXX XXXX XXXX XXXX be removed from my credit report across all applicable credit bureaus. In accordance with Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have notified the credit bureaus that I am no longer disputing this item, and the continued presence of the dispute remark is now inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-20 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:
This CFPB complaint is submitted to request, pursu

ant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block all information on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of receiving this complaint. Fraudulent, inaccurate, and false information : I do not recognize this account, nor did I open, authorize, or initiate any related transactions. All entries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Affidavit and Police Report No. XXXX  from the U.S. Federal Trade Commission, confirming that these items are fraudulent. Please block and delete all references to this account from my TransUnion report within the required timeframe.

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 2025-06-20 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: TX

Complaint narrative:
The accounts referenced in this dispute are fraudulent. I never requested or consented to their creation. Please remove them in compliance with 15 U.S. Code 1681g. I am including documentation and expect removal within 15 days.

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 2025-06-20 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent inquiries from my credit report. I am sending this letter to ensure that Equifax credit bureaus will indeed remove the inquiries listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent inquiries from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NJ

Complaint narrative:
I paid my student loans in full in XXXX. Even after canceling auto pay, Mohela continued to withdrew from my account the total of {$450.00}. When asked for a refund they said it will take couple of months. 

I waited and they finally said that they mailed out a check after address verification on XXXX, but as of today I have still not received the check. It takes a long time to get someone on the phone and their mail responses are slow and vague. I request my full refund amount with XXXX  months of interest for withholding my money without my permission.

Company response to consumer: Untimely response