vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Subject : Complaint Regarding Chase Bank Closing My Account Without Reason To Whom It May Concern, My name is XXXX XXXX, and I have been a loyal Chase Bank customer since my college years. I reside at XXXX XXXX XXXX, XXXX, MA XXXX, and my contact number is XXXX. 

Recently, Chase notified me that my account will be permanently closed on XX/XX/XXXX, without giving any explanation. I visited the bank several times and spoke with representatives, requesting a reason or any information that would allow me to clarify or prove myself. Unfortunately, I was told no information could be shared. 

I have always been a responsible customer I pay my taxes, have no late payments, and have never applied for government assistance programs such as WIC. In most cases, banks give warnings or flag accounts if there are issues. In my case, no warning was given.

I believe this action is unfair and damaging. I am seeking : A clear explanation for the account closure A review of this decision The opportunity to clarify or defend myself I kindly request your assistance in investigating this matter with Chase Bank. 

Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed I have a fraudulent account on my report. please remove the account from my report, it is hurting my ability to obtain credit.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$900.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$640.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX & XXXX PL Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Please remove it from my credit report under 15 USC 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information.

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely.

I expect the inaccuracies to be corrected or the account to be removed from my credit report within 30-45 days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$900.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$640.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$590.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX & XXXX PL Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1700.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$280.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$3100.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Please remove it from my credit report under 15 USC 1681i

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

1681c-2 ) that you, the Experian Credit Services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-16 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian Dispute DepartmentXXXX  XXXX XXXX, TX XXXX Subject : Dispute of Incorrect Address Classification and Unauthorized Hard Inquiries To Whom It May Concern, I am writing to formally dispute two items currently appearing on my Experian credit report : 1. Incorrect Address Classification Your records currently classify my address, XXXX XXXX XXXX, XXXX XXXX, CT XXXX, as a business or non-residential property. This classification is incorrect. 
While a business may be associated with this address, I have no affiliation with it. I have lived at this property as my primary and full-time residence for over five years, and I respectfully request that your records reflect this accurately.

This misclassification could mislead lenders, insurers, or other entities that rely on my credit file and does not represent the actual residential nature of my use of this property. 
Requested Action : Update your records to reflect XXXX XXXX XXXX as a residential address, and remove any references or flags suggesting it is a business location. 

2. Dispute of Unauthorized Hard Inquiries I have discovered the following unauthorized hard inquiries on my Experian credit report : XXXX Date of Inquiry : XX/XX/scrub>/2025 Address : XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX Date of Inquiry : XX/XX/year>2025 Address : XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  Date of Inquiry : XX/XX/year>2025 Address : XXXX XXXX XXXX, XXXX, DE XXXX I want to make it explicitly clear that I do not have any active accounts, past accounts, or pending applications with any of the institutions listed above. I did not authorize these hard inquiries, nor did I initiate any request for credit that would justify them. 
These inquiries were made without my knowledge or consent, and I am requesting their immediate removal under my rights provided by the Fair Credit Reporting Act ( FCRA ).

Requested Action : Conduct an investigation and remove the above unauthorized hard inquiries from my credit file.

Summary of Requested Actions : 1 Correct the address classification of XXXX XXXX XXXX to reflect its residential status. 
2 Remove the unauthorized hard inquiries made by XXXX, XXXX XXXX, and XXXX XXXX. 
3 Provide written confirmation once these actions have been completed.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am submitting this dispute because Experian is reporting two XXXX XXXX accounts that were previously deleted after a valid dispute. The accounts are : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. These accounts were reinserted into my credit file without my authorization, without any certification from the furnisher, and without notifying me as required by law. This is a direct violation of 15 U.S. Code 1681i ( 5 ) ( B ) ( ii )- ( iii ). Under the Fair Credit Reporting Act, Experian must notify the consumer within five business days of reinsertion and include the name and contact details of the furnisher along with the right to add a statement of dispute. None of these requirements were followed. To support this, I have received a letter from TransUnion confirming that both accounts were permanently deleted from their credit file following my dispute. TransUnion has not reinserted them. Only Experian is continuing to report these accounts, despite having no legal grounds to do so. This is not a simple error it is a serious violation of federal law and my consumer rights. Experian is also in violation of 15 U.S. Code 1681b ( 2 ) ( no permissible purpose ), 1681e ( b ) ( failure to ensure maximum possible accuracy ), 1681i ( a ) ( failure to reinvestigate ), 1681c-2 ( mishandling identity theft ), and 1681n and 1681o ( civil liability for willful and negligent violations ). These actions are unlawful and harmful.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
I have applied and reapplied with Mohela 3-5 times over the last 7-8 months to try to get off the XXXX plan and make payments on my loans. I have XXXX payments left, so I am almost done with my journey. Mohela told me to reapply after XX/XX/year> which I did on XX/XX/year>. I got a 90 day letter from them stating there was a backlog and it would take some time. My concern is the interest will now start up XX/XX/year> and Mohela still can not get me on an XXXX  plan to start repaying my loans so I can be done with this. How is this my fault regarding interest when I have applied and reapplied several times to get on a new XXXX plan? I spoke to an agent on XX/XX/year> to ask when my newest IDR application would be processed and the agent could not tell me when, even with the interest starting up again. Their processing times for these applications is going to cost me money in the long run and extend my repayment schedule by months! Also, I would like to add when you do call Mohela the wait time to talk to customer service representatives are 2+ hours long. The first person you speak to can never help you, so then you are transferred to a senior customer service representative. One day I waited on hold 6 hours to talk to someone. Another day, I was left on hold after Mohela 's customer service hours had closed! I think this is beyond ridiculous how customers are treated with Mohela. Most people are trying to do the right thing and pay their loans. Mohela 's inability to process paperwork in a timely manner or answer phone calls is costing the taxpayer money, time, and monetary goals.

Company response to consumer: Closed with explanation