vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Just the past two months I have paid {$4600.00} on my MOHELA loans and they have only applied {$3300.00} of this to my loans. I have bank statements to prove theyve taken out the full {$4600.00} and the rest of the money has vanished. Theyve mishandled my payments and in result of this I have accrued interest that I shouldnt have been billed. Ive tried contacting them and am never helped. Today I waited on the phone for an hour for the initial representative and then she transferred me to the specialist. I was on hold for 6 hours and 15 minutes and then was hung up on. I believe I should be compensated for the mishandling of my payments. I dont even know how much of my money theyve lost of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account with XXXX opened on XXXX, XXXX XXXX 

I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

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 2025-05-06 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: CA

Complaint narrative:
I am filling this formal complaint to address discrepancies found in my credit report and to request a fair and accurate resolution. I respectfully urge the credit bureaus to verify and correct my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any information that is inaccurate, outdated, or unverified should be corrected promptly to ensure my credit file reflects accurate data. 

The following entries are of concern : 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/year> In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough reinvestigation of all disputed entries. If any item can not be verified with concrete and accurate documentation, I request its immediate correction to prevent it from negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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:
I am writing to file a formal complaint against Equifax, a credit reporting agency, for its failure to comply with the Fair Credit Reporting Act ( FCRA ) and to rectify a violation related to the reinstatement of previously removed information to my credit report. On [ date ], I sent a letter notifying them of the reinstatement of XXXX XXXX XXXX account number XXXX to my credit report without proper certification of accuracy and notification, as required by Section XXXX ( B ) of the FCRA. Despite waiting XXXX  days after sending the letter, Equifax has not removed the erroneous information from my credit report for late payments that I have never been late on. I have sent you my payment account report and the payment receipt for the alleged missed payment, according to Equifax, which continues to violate FCRA regulations. Equifax 's actions have caused significant inconvenience and potential damage to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax, they have failed to take appropriate action, demonstrating a lack of responsibility and compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: TX

Complaint narrative:
Someone took this loan out. It's fraud. I didn't apply for it. I began to get emails and messages. So I called the company and they informed me that someone applied for this loan in my name with my information. They used my first name as my last name. I informed the attendant I didn't apply. We verified the account that the funds was sent to as me not owning it. And I filled out an affidavit. And trying to go through the proper channels to resolve this. This company does not require An ID nor do they do a credit check and proper validation of bank accounts.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My address is wrong and i want only one address reporting on my report. I have sent this request several times. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 
As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
During the Pandemic I lost my XXXX  business. I had a Capital One Business Credit Card. I was not able to make the payments anymore and Capital One charged it off on XX/XX/year>. I never received the 1099-C and this has been reported in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-06 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: NY

Complaint narrative:
My most recent credit inspection concerning your institution has uncovered flawed reporting that disregards my consumer rights to a fully factual, precise, extensive, updated, and timely credit record consisting exclusively of proven or authenticated data, whether it is deemed positive, negative, or neutral. 
I formally petition for the removal of all misrepresented credit details affecting my credit report : XXXX XXXX XXXX XXXX XXXX * * * * XXXX  XXXX * * * * remove XXXX XXXX XXXX XXXXXXXX * * * * erase permanently XXXX XXXX XXXX XXXX * * * XXXX XXXX XXXX XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERASE PERMANENTLY XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Repeal XXXX XX/XX/XXXX Void XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 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:
There is a XX/XX/XXXXXXXX bankruptcy reporting on my credit report, and it doesn't belong to me, XXXX XXXX. This credit item is messing me up on obtaining credit and establishing credit to further my life and school. I want to refinance my student loans, and I can't because of the XX/XX/XXXX XXXX bankruptcy reporting on my credit report

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 2025-05-06 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: FL

Complaint narrative:
The account in question was opened on XX/XX/XXXX, and reports an outstanding balance of {$16000.00} as of XX/XX/XXXX. The account has been flagged as a collection and is currently reflected on my credit reports with Experian, Equifax, and TransUnion. 

I filed a dispute regarding the account with the credit bureaus, and my complaint is based on the fact that the creditor, XXXX XXXX XXXX, has failed to provide adequate documentation verifying this debt. Instead, they have simply " matched '' data and used this method to substantiate the account without any proper validation. This is an apparent violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), which require that debt verification be thorough, transparent, and accurate. 

Discrepancies and XXXX with XXXX : Despite the fact that the account was disputed multiple times, including a formal dispute on XX/XX/XXXX, the creditor has failed to provide any tangible or verifiable evidence of the original debt or my responsibility for it. Instead, they have merely used the " matching '' of information ( such as name, address, and balance ) as a form of certified verificationa practice that is insufficient and non-compliant with federal laws. 

Furthermore, I believe this issue may be part of a broader systemic problem, where consumers like myself are being unfairly penalized for alleged debts with no valid documentation. This has resulted in negative reporting, including collection status, on my credit reports with Experian, Equifax, and TransUnion, causing substantial harm to my credit rating and financial standing.

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 2025-05-06 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that have not been fully verified and are negatively impacting me. I kindly request a prompt review and correction or removal of these errors during this challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I do not know nor have I giving authorized consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
I am formally disputing the accuracy of one or more tradelines listed in my TransUnion credit file. Pursuant to 15 U.S.C. 1681i, you are legally obligated to conduct a reasonable reinvestigation and remove or modify any information that is inaccurate or unverifiable.

In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Specifically, I request : 1. Deletion or correction of the inaccurate entry ( ies ).

2. A copy of any verification documents received from the furnisher.

3. A statement describing your reinvestigation method under 611 ( a ) ( 6 ) ( B ) ( iii ). 

XXXX XXXX  XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My name is XXXX and I am the legal guardian appointed by the XXXX XXXX XXXX. We have received a statement from the company listed under BMO. Documentation, such as the Power of Attorney and the guardianship papers was provided. However, there was never a response or an update. Upon calling as well, we were told that the POA has not been received, but to call back and to request documentation. At this time, a bill is being sent of {$9700.00}. Also a request for information was sent to the Better Business Bureau and no information was provided. 

I am requesting information regarding the loan on the account and the nature of the loan amount. XXXX XXXX XXXX previous statements are listed in the amount of 10.99 % with the amount of {$9700.00}, statement date XX/XX/year>. At this time, XXXX has sent a request for payment on the account. XXXX XXXX household income has decreased by 50 %, due to the unfortunate death of her husband.

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 2025-05-06 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: NV

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. 
- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate. 
- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 


XXXX XXXXXXXX

Company response to consumer: Closed with explanation