vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-01 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: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I am disputing a negative XXXX  record reported by Simmons Bank ( Account ending XXXX, {$530.00}, closed XX/XX/XXXX ). 
I previously disputed this record with XXXX  in XX/XX/XXXX. 
The furnisher verified the account but provided me with no documentation, no account agreements, no NSF records, and no proof of notice. 

This record remains marked UNPAID and is preventing me from opening bank accounts.

Under the Fair Credit Reporting Act ( FCRA ), unverified or incomplete information must be corrected or removed. I request that the CFPB require Simmons Bank and ChexSystems to provide full documentation or remove this record entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 am writing to advise that I am a victim XXXX XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

INQUIRIES : 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 2025-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Pl. XXXX SC, XXXX XX/XX/year> To Whom It May Concern : Subject : Complaint vs. MOHELA : Overcharging/failure to respond/ servicing errors I am writing to file a formal complaint regarding MOHELA ( servicer for my federal student loans ) for serious servicing errors, overcharging, and failure to respond to my attempts to correct those errors. 

Here is a timeline and summary of the issue : Agreement/expectation I enrolled in a repayment plan with MOHELA, agreeing to approximately {$200.00} per month based on my income and application documentation. 

Overcharge above the agreed amount Beginning in XXXX, I was billed {$35.00}... Then my XXXX bill jumped to $ XXXX ( or more than the agreed {$200.00} ). This jump is not justified by any written notice or explanation, and I can not afford this higher amount. 

Attempts to contact/resolve Throughout XXXX, I sent emails or messages via their portal, requesting a correction or explanation. 

I have not received any adequate response, explanation, or correction. 

Despite nonresponse, to avoid delinquency, I paid the {$310.00} amount, but the core issue remains unresolved. 

Continuing harm XXXX XXXX payment is overdue, and MOHELA still has not corrected or explained the discrepancy, so now I face financial harm. 

The overcharge puts significant financial hardship, as I budgeted for a lower payment. 

The lack of communication is a breach of basic service duty to respond and correct errors. 

In addition to correcting the overcharges and communication failures, I am also requesting that my loans be considered for forgiveness or discharge on the following grounds : FERPA Concerns : MOHELA has had access to my education records as part of managing my loans. Their continued servicing failures, mishandling of borrower accounts, and lack of transparency raise concerns about proper compliance with FERPA and the safeguarding of my personal records.

Public Mismanagement & Investigations : MOHELA is currently facing public scrutiny, complaints, and investigations by state attorneys general and federal agencies for widespread servicing failures. My experience aligns with these documented patterns of overcharging, miscommunication, and mismanagement. 

Borrower Harm : Given MOHELAs repeated failure to honor agreed-upon repayment amounts, their lack of responsiveness, and the financial/emotional strain caused, I believe continued servicing of my loans under MOHELA is unreasonable and harmful.

Therefore, I am requesting that my loans be forgiven, discharged, or transferred away from MOHELA to ensure compliance with federal law and to remedy the harm caused by their actions. 

I can provide screenshots of my attempts to contact Mohela. 

Sincerely, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-01 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: PA

Complaint narrative:
A late payment was incorrectly reported on my credit report. I made the payment within 30 days of the due date, which should not qualify as a reportable late payment under the Fair Credit Reporting Act ( FCRA ). Please remove immediately the following accounts : XXXX XXXX Despite resolving the payment within the XXXX0-day window, the creditor reported it as 30 days late, which has negatively affected my credit score. Ive contacted the creditor to dispute the inaccurate report, but I have not received a resolution. 



This reporting is inaccurate and violates my consumer rights. I am requesting that this late payment be removed from my credit history.

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 2025-10-01 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-10-01 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MN

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 2025-10-01 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: MN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial 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 2025-10-01 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: GA

Complaint narrative:
XXXX ) XXXX XXXX ( Acct : XXXX ) CO month & contradictions EQ shows Open Account type, Closed, Past Due {$66.00}, with months showing OK then CO. 
All late/CO months disputed : XX/XX/XXXX. 
Provide XXXX XXXX for XX/XX/XXXX ( and any other derogatory months ), XXXX, and correct Metro 2 ( Account Type, Status, XXXX, Past Due on a closed/collection account, XXXX, Date of Account Info, CCC ). Codes proof. Verify or delete. 
Enclosures : ID ; address proof ; EQ page. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Off ( possible duplicate/fragment ) EQ shows Charge-off, Balance/Past Due {$25000.00}, CHARGED OFF ACCOUNT / ACCOUNT CLOSED BY XXXX XXXX, with repeated CO months. 
All late/CO months disputed : XX/XX/XXXX through XX/XX/XXXX ( inclusive ). 
Provide complete ledger and charge-off worksheet, XXXX, and confirm no duplicate/fragmented reporting for the same account. XXXX XXXX XXXX ( Account Status, Original CO Amount, Current Balance, Amount Past Due, XXXX, Date of Account Info, CCC ). Verify independently ( XXXX ) or delete. 
Enclosures : As above. 
XXXX ) XXXX XXXX ( XXXX ) Closed/ {$0.00} but At least 120 days past due XXXX shows Closed, {$0.00} balance, Status : At least 120 days past due ; extended history shows only OK months. 
All late months disputed : XX/XX/XXXX ( current status ) and any month showing XXXX. 
Provide ledger ; correct Metro 2 ( Status, Payment Rating, Current Balance, Amount Past Due, XXXX, Date of Account Info ). A closed zero-balance account can not be currently XXXX DPD. Verify or delete. 
Enclosures : As above. 
XXXX ) XXXXXXXX XXXX XXXX XXXX Acct : XXXX ) Revolving Limit Missing/Inconsistent EQ shows Balance {$500.00}, High Credit {$2200.00}, but omits a Credit Limit and reports XXXX XXXX. 
No late months appear integrity dispute. 
Provide statements ; correct Metro 2 ( Credit Limit, Current Balance, High Credit, Date of Account Info, Account Type/Terms ). Codes proof. Verify or delete. 
Enclosures : As above. 
XXXX ) XXXXXXXX XXXX XXXXXXXX ( Acct : XXXX ) Balance > High Credit Balance {$1300.00} XXXX High Credit {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: KS

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-10-01 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
Monterey Collection Services is reporting a collection account in the amount of {$5000.00} to XXXX  only, while not reporting to XXXX XXXX XXXX. This creates an inaccurate, incomplete, and misleading credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must provide information that is both accurate and complete. Selective reporting to only one bureau is misleading, violates XXXX XXXX reporting standards, and harms my creditworthiness.

I formally disputed the account with XXXX under FCRA 1681i, and also sent a direct dispute to Monterey Collection Services requesting validation. I asked for documentation such as a signed contract, itemization of the debt, and proof of their legal authority to collect. So far, they have failed to provide this information. 

This incomplete and inconsistent reporting is damaging my credit file and preventing me from obtaining fair access to credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CO

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