vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
Recap of What Happened : Experian misreported a balance before your credit cards billing cycle ended They merged two different accounts from unrelated creditors Adverse action letters show a lower score than what was on your profile Faced significant emotional hardshiploss, health, and still fought to rebuild They profit from both lenders and consumers in this flawed, unjust system Fair Credit Reporting Act ( FCRA ), what Experian did could be a violation of multiple federal protections, including : 1681e ( b ) Failure to assure maximum possible accuracy 1681i Failure to conduct a proper reinvestigation 1681n/o Seeking actual, statutory, or punitive damages Financial harm ( denied loans, higher interest rates, etc. ) Emotional distress ( especially in context of your losses ) Lack of proper investigation or explanation i have documentation showcasing everything stated above

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 2025-06-11 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution.

Unauthorized inquiries to be removed : 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 explanation
Consumer complaint received 2025-06-10 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 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 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 2025-06-10 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: 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 reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$54.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$220.00}

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 2025-06-10 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Force, LLC
State: CT

Complaint narrative:
The company Lending force has repeatedly called trying to sell a loan. After denying to do business with them they proceeded to call atleast 4 times a day. One evening at XXXX. The last attempt to tell them to stop contacting me or a complaint would be filed for harrassment resulted in 3 back to back phone calls totalling 6 phone calls in one day. Agents were hostile when being told no and even more hostile after being told they would be reported which prompted multiple calls to harrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Several companies accessed my credit report without my authorization, damaging both my credit and score. Despite assurances from the credit agency that these inquiries would be removed, they remain. These unauthorized and potentially fraudulent entries raise serious concerns about identity theft and continue to cause significant stress and harm to my financial well-being.

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 2025-06-10 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: AL

Complaint narrative:
My application for Public Student Loan Forgiveness was delivered XX/XX/XXXX with all documentation requested and needed for processing. In XX/XX/XXXX, Mohela transferred to a new platform in alliance with the Department of Education for processing. It has been three years and Mohela still has an error indicating Payments Needing for Certification as 147 when I have submitted the documentation to Mohela and the Department of Education. 

Would you please request they correct this error and certify the 147 PSLF and TPSLF payments? Also, would you please request a correction for input for employer State of Alabama XX/XX/XXXX XX/XX/XXXX for Part-time? It should read Full-time. 

After numerous attempts and submissions with delivery confirmation, it has now been three years of seeking corrections to errors on my account with Mohela with no resolution. Currently, they have multiple lawsuits and settlements pending for failure to process Federal Public Student Loan Forgiveness. 

Would you please assist?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: WA

Complaint narrative:
Checkr , Inc. is misreporting my criminal charge and has caused me to be terminated from multiple jobs ( XXXX and XXXX ). I was initially charged with XXXX XXXX, but that charge was dropped and amended by the court to Iowa Code 723.4 ( 1 ) ( b ) : Disorderly conduct loud and raucous noise. 

Checkr is listing this incorrectly as violent behavior under subsection ( a ), which is false and misleading. I have submitted court documents and legal definitions multiple times via their dispute process. Each time, they have rejected the correction with no clear explanation and no human follow-up. 

This misreporting violates the Fair Credit Reporting Act, which requires consumer reporting agencies to ensure maximum possible accuracy in criminal records. Their reporting is not only inaccurateit is costing me vital income. 

I have contacted Checkr multiple times and provided the correct documents, yet they refuse to correct the report. I am attaching the official court ruling and the Iowa Code definition. I am requesting the CFPB investigate this and require Checkr to correct the charge and notify impacted employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent them the following email : Dear XXXX XXXX, I am writing to formally dispute the late fees applied to my XXXX XXXX XXXX XXXX account and to file a formal complaint regarding the operation of your online payment portal. 
On XX/XX/year>, I made a payment of {$86.00}, covering the balance due, including an initial late fee. Then, on XX/XX/year>, I made an additional full balance payment online. I followed the instructions provided by your online portal, which indicated that paying the " full balance '' would satisfy the account. Despite these payments, additional late fees and interest charges were assessed. 
I believe your payment portal is deceptive, as it misleads customers into believing that paying the displayed full balance would bring the account current, without clarifying that additional charges or statement cycles could generate further fees. This misrepresentation has caused me to accrue unnecessary interest and additional penalties. 
For context, I acknowledge the initial late fee related to the XX/XX/year>, purchase of {$54.00} and the billing issues related to the XXXX and XXXX statements. However, after that purchase, I have not made any additional transactions with this credit card, clearly indicating that any further charges stem solely from fees, not usage. 

Given these facts, I respectfully request : A full reversal of the late fees and associated interest charges incurred after XX/XX/year>. 

A formal review of your payment portal communications and instructions to customers. 
If this dispute is not resolved promptly, I intend to escalate the matter by : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Submitting a report to the Better Business Bureau ( BBB ). 
Exploring any additional regulatory channels available to address unfair billing practices.I look forward to your prompt response and resolution of this issue.The company has acknowledged that they incorrectly charged me late fees, which should not have been applied. These errors negatively impacted my credit score. While they have now credited back all the late fees, the damage to my credit remains. I am requesting that the company formally correct the credit reporting associated with these late fees and notify all relevant credit bureaus to remove any negative marks that resulted from their error.

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 2025-06-10 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-10 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

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 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00}

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 2025-06-10 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
This is my second identity theft report concerning the same unresolved issue. My previous FTC Identity Theft Report ( No. XXXX ) was filed on XX/XX/XXXX and submitted to Experian to alert them of identity theft. My identity was stolen as a result of multiple major data breaches, including XXXX  ( XXXX, XXXX ), Experian ( XXXX ), XXXX  ( XXXX ), XXXX  ( XXXX ), XXXX  XXXX ( XXXX ), XXXX  ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and others. 

My PII and SSN were exposed and used to fraudulently open multiple unauthorized accounts that still remain on my credit reportspecifically accounts reported by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX after Experian was notified on XX/XX/XXXX. 

These accounts violate my rights under FCRA 1681e ( b ), 1681s-2 ( b ), 1681g, 1681c and FDCPA 1692g. These items are unauthorized and unverifiable. I have demanded original signed agreements, chain of title, and validation. No such documentation has been provided. These accounts must be removed under 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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I sent a debt validation request to Midland Credit Management regarding a debt they are attempting to collect, allegedly originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), debt collectors are required to cease collection and provide sufficient verification of the debt upon written request. What I received was not legally sufficient to constitute proper validation. 

They failed to provide : A signed agreement or contract between me and the original creditor Proof of chain of title showing clear transfer from XXXX XXXX XXXX XXXX to Midland Complete and itemized accounting of the alleged debt ( including all interest, fees, and charges ) Proof of licensing to collect debt in Georgia Despite these failures, Midland continues to attempt to collect and report this on my credit. This violates FDCPA, the FCRA ( Fair Credit Reporting Act ) 1681s-2 ( b ), and Georgias Fair Business Practices Act. I consider this a deceptive, unfair collection practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I paid off an account and then marked it as late payment. Payment was never late, I disputed it with the company because it was not what I received. I paid off the amount and they still marked it as late.

Company response to consumer: Closed with explanation