vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: GA

Complaint narrative:
Subject : Formal Dispute and Request for Immediate Removal of Inaccurate Student Loan Accounts Due to Servicer Misconduct I am writing to formally dispute and request the immediate removal of student loan entries reported by MOHELA and XXXX from my credit report. These servicers have engaged in misconduct, misrepresentation, and negligence that have negatively and unfairly impacted my credit profile.

According to public disclosures and ongoing legal action, the following serious issues have been identified : MOHELA Failed to discharge student loan debt under the Income-Driven Repayment ( IDR ) program, despite guidance from the U.S. Department of Education .

Continued reporting canceled and discharged student loans to the credit bureaus as if payments were still owedthis is misleading and constitutes false credit reporting.

Misrepresented billing amounts, often inaccurately reporting payment statuses or balances that do not reflect Department of Education-approved discharge programs like Public Service Loan Forgiveness ( PSLF ). 
Failed to process or timely process discharge applications, causing credit score damage to borrowers who met program qualifications.

These actions are the basis for an ongoing class action lawsuit, highlighting systemic errors and borrower harm. 

XXXX Miscalculated student loan balances, allegedly adding inflation or incorrect interest amounts, and reporting inflated balances to the credit bureaus.

Participated in similar failures under IDR by not discharging qualified loans and mishandling borrower records.

Experienced a data breach affecting over 2.5 million borrowers, exposing sensitive information including Social Security numbers, loan details, and personal dataputting consumers like myself at elevated risk of identity theft.

Despite this, XXXX continued to report inaccurate information, causing credit scores to fluctuate unfairly.

These actions are not only grossly negligent but also violate protections under the Fair Credit Reporting Act ( FCRA ) and the oversight directives of the Consumer Financial Protection Bureau ( CFPB ).

Therefore, I respectfully request : 1. The immediate removal of all student loan accounts associated with MOHELA and XXXX from my credit report.

2. A complete investigation into these entries and reporting practices.

3. Written confirmation of account deletion or correction within the legally required 30 days.

I have enclosed identification and documentation to support this request. Due to the severe impact on my financial stability, I reserve the right to pursue legal action or report these issues publicly if not resolved promptly and justly.

Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.

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 2025-06-04 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: NC

Complaint narrative:
I was in federal prison from XX/XX/XXXX thru XX/XX/XXXX and released to a halfway house until XX/XX/XXXX when I finally was released. Pulling my credit report i noticed several credit cards and loans and accounts that was created and charged off leaving me with debt and a shattered credit profile. I have been reaching out since i came home to Experian, Equifax, and Transunion disputing and Explaining what happened with proof. Well over 10 times and everything came back verified leaving me without access to credit for shelter, transportation and opportunities to live in XXXX and XXXX to rebuild my Life.

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 2025-06-04 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: NC

Complaint narrative:
I was in federal prison from XX/XX/XXXX thru XX/XX/XXXX and released to a halfway house until XX/XX/XXXX when I finally was released. Pulling my credit report i noticed several credit cards and loans and accounts that was created and charged off leaving me with debt and a shattered credit profile. I have been reaching out since i came home to Experian, Equifax, and Transunion disputing and Explaining what happened with proof. Well over 10 times and everything came back verified leaving me without access to credit for shelter, transportation and opportunities to live in XXXX and XXXX to rebuild my Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
This is a formal complaint against The CBE Group , Inc. for inaccurately and unlawfully reporting a collection account on behalf of XXXX XXXX XXXX. 
The balance reported is {$120.00}. However, I have no direct contractual relationship with The CBE Group , Inc., and I have received no validation of this debt. Furthermore, XXXX, as the original service provider, has not provided any formal notice of assignment, nor have I been presented with a complete accounting of the debt, including any proof of a default or itemized statement. 
Additionally, there is no evidence that this debt has not already been resolved via insurance, sub-sidy, or tax write-off mechanisms, as is common practice.

Key issues include : 1. Failure to validate the debt under 15 U.S.C. 1692g.

2. Failure to provide proof of assignment and authority to collect.

3. Reporting of a disputed account without clear documentation or wet-ink contract. 
4. Possible double recovery by XXXX or third-party enrichment without basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I was in federal prison from XX/XX/XXXX thru XX/XX/XXXX and released to a halfway house until XX/XX/XXXX when I finally was released. Pulling my credit report i noticed several credit cards and loans and accounts that was created and charged off leaving me with debt and a shattered credit profile. I have been reaching out since i came home to Experian, Equifax, and Transunion disputing and Explaining what happened with proof. Well over 10 times and everything came back verified leaving me without access to credit for shelter, transportation and opportunities to live in XXXX and XXXX to rebuild my Life.

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 2025-06-04 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am submitting this formal complaint against Huntington National Bank regarding a credit account that is being reported as charged off on my Equifax credit report. 
This account reflects a balance of {$420.00} on a line of credit originally opened on XX/XX/year>. The account is now closed and shows as a charge-off, despite lacking a complete record of validation, original documentation, and any formal notice of right to cure or dispute prior to charge-off.

I assert that this account : 1. Lacks verification of the original signed agreement.

2. Was never validated by Huntington in response to prior informal requests.

3. Was reported as charged-off without evidence of a legitimate collection process.

4. May violate the Fair Credit Reporting Act if no contract or proof of obligation exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item.

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
my wallet got stolen on XX/XX/XXXX, my credit card was used at target that same day. I called the bank to report it stolen and the representatives assured me the transactions did not go through and my card w

as now locked. Four transactions of {$200.00} were posted to my account, I called again to verify what happened, the representatives have been misleading and lying about the process to dispute, tellin

g me everything was being taken care of and I would receive a letter in the mail that I had to sign and send back. Instead I received a letter saying that the case was closed and the transactions were removed from my account. I log in to my account to find that it was a lie. I called the bank again and they gave me different information and other steps I had to take to open the case again and dispute the transactions. There are no options online to dispute the transactions only to call a number, every single time the representatives give me the wrong information and are not helpful. I sent a copy of the police report and again described the situation and which transactions were made with my stolen credit card. I keep going in circles with the bank with no resolution. Ally bank credit cards is the institution that is making this experience impossible. Is already frustrating having my wallet stolen with my cash and credit cards, and dealing with making a police report etcetera and the bank is unwilling to hel
p.

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 2025-06-04 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: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX  was never XXXX XXXX I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reportsEQUIRED UNDER 1666B

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 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
A XXXX truck was returned to the car dealership due to constant motor issues. The company picked up the truck from XXXX, Tennessee after being purchased in Mississippi. The truck was then sold to another dealership per a XXXX report. Credit acceptance is still reporting late payments on my credit report After five years and after the original Auto dealership receiving the property back.

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 2025-06-04 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation