vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
Statement of Disputed Debt Involving Elevate Recoveries LLC On or around XX/XX/year>, a debt appeared on my credit report under the name Elevate Recoveries LLC. I have no prior knowledge of this debt, and I have never received any communication or documentation from this company to validate or verify the legitimacy of the alleged amount owed. 

Shortly after it was reported, the debt appears to have been sold or transferred to another company without proper notice or proof, making it difficult to trace its origin or legitimacy. I believe this transfer was done to avoid detection and to obstruct my ability to dispute the debt properly.

This false reporting has caused damage to my credit score and financial reputation, and I have been left with no proof to support the legitimacy of this claim. I strongly believe this is a case of inaccurate reporting and potentially unlawful debt collection practices.

I am requesting that a formal investigation be conducted into this matter. I also request that this item be removed from my credit report unless verifiable proof of the debt, including original creditor details and signed documentation, can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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 recently pull my credit report, and I have been a victim of identity theft. This account is not mine and has been reporting to my credit and needs to be removed. I have no knowledge of this collection account at all. I have been experiencing mental anguish behind this.

According to the Fair Credit Reporting Act ( FCRA ), which is codified at 15 U.S.C. 1681 et seq. This act outlines the responsibilities of credit reporting agencies and consumers ' rights regarding the accuracy and privacy of their credit information. Section 623 : Furnishers of information to credit reporting agencies must ensure the accuracy of the information they provide.

These sections collectively empower consumers to challenge and correct inaccurate information on their credit reports.

This is The fair credit reporting act needs to be removed within seven days. 

Fraudulent collections account is listed below and needs to be removed as soon as possible. 




XXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX25 XXXX date : XXXX XXXX Amount : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-14 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I hope this message finds you well. Im reaching out to sincerely request a goodwill adjustment related to a late payment reported.

This missed payment from the last two-three months do not reflect my typical payment behavior, and I take full responsibility for the oversight. The late payment was due to the letters going to an address that I no longer live at.

Since I found out about it, I have taken steps to ensure this doesnt happen again by setting up auto-pay and have paid what I should have already. My payment history has been otherwise positive, and I am committed to maintaining a responsible financial relationship with you. 
I kindly ask if you would consider removing the late payment from my credit report as a gesture of goodwill. This would greatly help me in improving my credit standing and achieving my financial goals. 
Thank you for considering my request. I appreciate your time and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: MD

Complaint narrative:
I had tried several times by phone to attempt to contact MOHELA regarding my high payments. Every time I called, i just kept getting message, that they could not accept phone calls at one time there was a 3 hour wait time. I wrote several letters asking for help ( see attached ) The only instruction I was given was to replay for another IDR payment plan. I tried that several times only to get the same payment plan of {$1500.00}. I told them many things have happened and I cant afford {$1500.00} since I only make {$1200.00} a month. ( my mother in law has had to move in with us and my own mother passed last XXXXXXXX XXXX XXXXXXXX her and I had to purchase car ). I could have applied for forberance but the dotted line required me to pay in full at the end of the forberance. As of XX/XX/XXXX, it was stated that the IDR payment request had stopped via Government order so I felt stuck. I do work for a school system and hopped that I would apply for the loan forgiveness. I did before, but it seems now I have to reapply. 

Mohela, did finally call me last week and I was finally able to make a payment arrange of a 'negative amorization ' of {$100.00} each week for a year and then apply for another IDR to get it to where I can make payment of no more than {$200.00} a week.

My frustration now is that my credit score has decrease from XXXX to XXXX even though I am on a payment plan. This is so frustration when no on up until now has contact me about financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
My credit reports from both Equifax and Experian contain an incorrect debt record from XXXX XXXX for the amount of {$1400.00}. This debt has already been paid in full and resolved, as shown in the attached supporting documentation. 

For Experian, I submitted a dispute through their system, but the status has remained " under review '' for an unusually long time without any resolution. The case appears to be stuck, and I have not received any updates or a final decision. 

For Equifax, I have been unable to log into my account to submit a dispute. Every time I try, I receive an error message : " We are temporarily unable to complete this request. '' I called their customer service multiple times, but instead of resolving the issue, I was passed around different departments. Each time, I was told to try logging in again in 24 to 48 hours, but the issue still persists. 

This ongoing situation is unfairly damaging my credit score and causing unnecessary stress. I request that this error be promptly investigated and corrected by both Equifax and Experian.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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 formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-04-14 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-04-14 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: NC

Complaint narrative:
provided information for identity theft to Equifax to include FTC report identity documents and letter and was signed for on XX/XX/year>. I requested the information be blocked as required by the FCRA XXXX. They responded as it is verified. I then contacted XXXX and they admitted they did not do their due diligence and corrected on their end. I resubmitted my dispute to Equifax with additional documentation and I received a respond because I filed a dispute within 90 day it is considered frivolous. I called and the representative was rude and did not want to listen because I had other disputes that Equifax erroneously added additional trade lines that were not supposed to be on my account. XXXX provided me with the original contract that shows the information they are reporting and what I had and paid off was XXXX different things and it should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: OR

Complaint narrative:
I am desperately trying to freeze my credit report with Equifax due to breach of my personal information via US mail. I keep getting the error message we are temporarily unable to complete this request please try again later. Ive received no help from anyone at Equifax and I need to freeze my credit report ASAP!!!! XXXX and XXXX gave me no issues there is always XXXX I have issues with and its always Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
I respectfully request that the unauthorized accounts be blocked and removed from my credit report as soon as possible. I did not open or approve these accounts and have no knowledge of their origin. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Ive enclosed supporting documents for your review. Additionally, the account details reported to each bureau are inconsistent and inaccurate.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX Metro 2 Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing. 

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : incorrect balance, inaccurate date, incorrect payment history, incorrect reporting. 
If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be removed from all consumer reporting agencies to which it was reported. 
Under 15 U.S. code 1681 S 2A I furnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt. 

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
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 2025-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On or around XX/XX/XXXX, I entered into a retail installment contract with Ally Financial for an automobile loan. Over time, due to financial hardship and ongoing issues with Allys handling of the account, the vehicle was repossessed. On XX/XX/XXXX, Ally marked the account as a charge-off, reporting a balance of {$6500.00} with a highest balance of {$15000.00}. 

I did not receive proper notices regarding the repossession or the intent to sell the vehicle, nor was I provided documentation to validate the balance allegedly owed after the repossession took place. Additionally, Ally has not provided a 1099-C ( Cancellation of Debt ), which would be required if the debt was forgiven or written off as a loss, as the charge-off status indicates. 

I have disputed this account with the credit bureaus, requesting validation and supporting documentation under the Fair Credit Reporting Act ( FCRA ), but the account remains inaccurately reported as a profit-and-loss write-off. The remark Dispute resolved subscriber disagrees is also misleading, as I continue to challenge the legitimacy of the account. 

I am requesting that Ally Financial be required to : Provide full documentation supporting the debt Confirm whether a 1099-C has been issued Remove the charge-off and/or update the reporting if they can not validate the debt Update the credit reporting to reflect Account in Dispute if not deleted entirely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have a Lowes credit card and a Care Credit card both via Synchrony Bank. I paid both of these accounts off in full in XXXX according to the balance reported in their system. I now have a balance for each of these accounts. Albeit small, I do not believe I should have to pay this " interest '' fee as it is a daily interest and their system should reflect all interest up to paying it off in full. I called and spoke with a rep and she said its the interest for the last month XXXX which again should be in my balance. I paid the lowes balance XX/XX/year> and the Care Credit XXXX

Company response to consumer: Closed with explanation