vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 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:
I AM SO DISPLEASED THAT I HAVE FRAUDULENT ACCOUNTS ON MY REPORT THIS HAS BEEN A DEFEMATION OF CHARACTER AND HAS CAUSED STRESS. THE NEGLECT THE CREDIT AGENCIES ARE DOING IS A VIOLATION TO THE FCRA LAW. PLEASE THIS MATTER WITH THIS ACCOUNT AND INQURIES AS I AM TRYING TO BUY A HOME AND I DON'T NEED ANY FRAUDULENT ACCOUNTS ON MY REPORT THE ACCOUNT IS XXXX  ACCT # 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: KY

Complaint narrative:
There debts on my account that have been charged off and I never received a 1099 C from the Company and did not receive it once requested. 

There are also things on my account that are not charges that are mine. 


Charged Off Accounts : XXXX XXXX XXXX} and Discover Bank {$8100.00} Not Mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: KY

Complaint narrative:
There debts on my account that have been charged off and I never received a 1099 C from the Company and did not receive it once requested. 

There are also things on my account that are not charges that are mine. 


Charged Off Accounts : Self Financial {$670.00} and XXXXXXXX XXXX  {$8100.00} Not Mine : XXXX XXXX XXXX {$740.00}, XXXX XXXX XXXX {$910.00}, XXXX XXXX XXXX {$260.00} and {$380.00}

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-05 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX - XXXX * * * * XXXX. 
XXXX XXXXXXXX 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 XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-05-05 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: NJ

Complaint narrative:
To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-05-05 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: TN

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.

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 2025-05-05 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 disappointed that my information have been compromised by identity theft. I am trying to buy a home for me and my family and this has put a serious hold on the process. By the FCRA, 15 USC 1681 G my information should be safe and secure and I see its not. My information has also been in a breach. This is a defemation of my character and causing emotional stress on me. Identity Theft is not far and the credit reporting agencies can be sued for having damages on my credit report.

There are also some addresses and inquiries that I want to report that I see happened during the identity theft. Here are the addresses : etc Here are the inquiries.

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 2025-05-05 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
INQUIERES 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. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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

Complaint narrative:
My loans were forgiven with PSLF with the completion date of XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX Mohela said it was officially approved and I would be receiving payment for the amount I paid after XX/XX/XXXX within 90 business days. I have yet to receive that and it would be over {$1000.00}. I called Mohela XX/XX/XXXX, past the 90 business days, asking where my payment was and they said they were just behind and it would be coming soon. I have yet to receive it ( XX/XX/XXXX ) so I submitted a XXXX  report. Mohela responded now saying they have to do a recount and it will be another 90-100 days.

This is unacceptable as they already told me I qualified for payment and they were just delayed.

Additionally, historically Mohela has sent me information for other customers, personal information. They have also said I was going to go in default in a fear generating letter even though my account was in forbearance. When I called they said they use that term just to scare people. Now, as I call to talk to someone and wait on a 4 hour hold, the recording said I owe {$48.00}, which isn't possible since I have a {$0.00} balance.

I need my payment Mohela and the federal government owes me that is well past due. Mohela is operating under very dishonest practices and has for years. They need to be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
I closed on a loan with XXXX XXXX on XXXX. The parties involved failed to make proper relational disclosures that would have impacted my decision to purchase the home. 

I tried to go thru the Veterans Affairs, but XXXX XXXX, XXXX VA Regional Office, a relative of the parties involved also refused to assist as I believe he was responsible for hand selected the appraiser for this particular sale, either he or XXXX XXXX another relative of the appraiser. 

XXXX XXXX closed the complaint to cover the actions of his office after I complained that he closed the claim in 2 days, he promised to have his supervisor XXXX XXXX contact me, but this never happened and within a day or so of our conversation,. the local police chief of the XXXX XXXX, XXXX XXXX. XXXX came to my home * unannounced * late one evening and he made several inappropriate comments about whether or not I had a relative I could go and live with, implying that my family and I were unwelcome in our new neighborhood. He is a relative of the parties involved. 

The seller XXXX XXXX XXXX is related to the VA appraiser XXXX XXXX XXXX, the loan officer XXXX XXXX XXXX, the appraisal reviewer XXXX XXXX and the Inspector XXXX XXXX. 

The seller 's agent, XXXX XXXX is also family with the VA appraiser, inspector, and the loan officer.

With this model, many unsuspecting persons/veterans could be defrauded during the VA loan home buying process.

I take no issue with certain individuals being related but the failure to disclose this fact during a home purchase is a huge red flag and any reasonable person would be alarmed. XXXX XXXX had no reason to appraise my home, with the multiple XXXX for XXXX, another appraiser should have been selected, he was handpicked because of his relationship to the seller and the appraisal reviewer XXXX XXXX. I have been overcharged on property taxes for over 4 years, because XXXX XXXX kept saying I had service connected exemptions that were not in place. The title company XXXX XXXX also told me that they were handling all of the paperwork for the service connected exemptions, but I was lied to and intentionally defrauded. My mortgage payment increased because of the neglect and fraud of XXXX XXXX and the XXXX, XXXX XXXX. 
XXXX XXXX has relatives within XXXX XXXX that gave the seller an unlawful advantage in the process.

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 2025-05-05 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: MI

Complaint narrative:
I am filing this dispute regarding inaccurate information reported by TransUnion, Experian, and Equifax that appears on my consumer report/account. I believe this information is incorrect and does not accurately reflect my financial history. 

Specifically, the issue involves : 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  I am requesting that TransUnion XXXX Experian XXXX and Equifax XXXX this matter and correct or remove the inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate. I request a prompt review and resolution of this matter in accordance with federal law.

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

Complaint narrative:
I am filing this dispute regarding inaccurate information reported by TransUnion, Experian, and Equifax that appears on my consumer report/account. I believe this information is incorrect and does not accurately reflect my financial history. 

Specifically, the issue involves : 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  I am requesting that TransUnion XXXX Experian XXXX and Equifax XXXX this matter and correct or remove the inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate. I request a prompt review and resolution of this matter in accordance with federal 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The family educational rights/privacy act ( FERPA ) protects the confidentiality of student records.This breach is a clear violation of FERPA.I request to immedietly cancel my student loan debt 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The family educational rights/privacy act ( FERPA ) protects the confidentiality of student records.This breach is a clear violation of FERPA.I request to immedietly cancel my student loan debt on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The family educational rights/privacy act ( FERPA ) protects the confidentiality of student records.This breach is a clear violation of FERPA.I request to immedietly cancel my student loan debt 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 explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  is reporting a late payment on my account which is incorrect all three credit bureaus are reporting different Experian is reporting late for XXXX and XXXX and XXXX payment is not due until XX/XX/XXXX Equifax reporting a late payment from XXXX and TransUnion is reporting no late payments and they all reported at the same time my payments directly from my bank account is in the attachments to take this misleading and inaccurate information off of my credit because its causing me harm

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 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Credit Report Dispute Inaccurate Information To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my Experian credit report. The following accounts are in question, and I request that they be investigated and corrected or removed as required under the Fair Credit Reporting Act ( FCRA ). 



XXXX. XXXX XXXX XXXX Status : Paid, Closed Dispute Reason : This account is marked as under dispute even though it is fully paid and closed. Please remove the dispute notation and ensure accurate reporting. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$9800.00} Status : Charged off, {$17000.00} written off Dispute Reason : I dispute the accuracy of the balance and the charge-off status. Please provide full validation including account history, balance justification, and documentation confirming this debt is valid. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Status : Collection account Dispute Reason : I do not recognize this account. I request full validation of the debt including the original creditor details, dates of service, and verification of my liability. 

XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} Status : Collection account Dispute Reason : I dispute this collection as inaccurate. Please validate the debt, including the original account information and proof of the amount owed.

Please conduct a thorough investigation and respond with the results in writing. If the information can not be verified, it must be deleted from my credit report. Attached are copies of my government-issued ID and proof of address for your reference.

Thank you for your time and assistance.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation