vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
I am contacting you to urgently dispute an account that has appeared on my credit report. I want to be absolutely clear : this account is the result of unauthorized and fraudulent use of my identity. I did not open this account, Ive never had any involvement with it, and I did not give anyone permission to open it in my name. 

This is a serious matter. I am the victim of identity theft, and this account is causing significant and unjust harm to my credit profile. It is not only inaccurate it is completely illegitimate. I am demanding that this fraudulent account be deleted from my credit report immediately. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which protects consumers like myself from being held accountable for accounts or debts that result from identity theft. As the law clearly states, I should not be burdened by financial obligations that I never agreed to, signed for, or even knew existed until reviewing 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 2025-07-29 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: LA

Complaint narrative:
Between XXXX and XX/XX/year>, multiple fraudulent and unauthorized accounts were reported to my credit files, including : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported as late payment and loan ( I never applied for, authorized, or benefited from this account ; I have never had a XXXX XXXX or XXXX XXXX account ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Large auto loan opened fraudulently ( Account # XXXX ; never applied, no inquiry ). 

XXXX XXXX ( Auto Loan ) Large auto loan opened fraudulently ( Account # XXXX ; never applied, no inquiry ). 

Any other negative or unauthorized tradelines on my current reports ( see evidence ). 

Key facts : I never applied for, authorized, or benefited from any of these accounts. 

There are NO hard inquiries on my reports for these accounts, proving there was never a legitimate application or permissible purpose. 

I have filed multiple FTC Identity Theft Reports ( see attached PDFs, including XXXX and supporting docs ). 

My credit reports show these negative items as late, charged-off, or in collections, severely damaging my credit and financial life. 

I have repeatedly submitted formal disputes and uploaded all identity theft evidence, yet the bureaus and furnishers have : Failed to remove or block these fraudulent accounts as required by law. 

Exceeded the XXXX FCRA deadline for reinvestigation and correction/deletion. 

Returned verified as accurate responses with NO real investigationjust E-OSCAR automation, despite overwhelming proof of identity theft and data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>2025, I visited the Bank of America branch at XXXX XXXX XXXX, XXXX XXXX, CA, to obtain notary service for lawful affidavits. I am a verified Bank of America customer. 

I brought fully complete, unsigned documents with all pages intact. All signers were physically present with valid ID. However, the notary at that branch, XXXX XXXX XXXX, refused to perform the notarial act and told meverbatimwe only deal with financial documents. 

She further stated she was commissioned by the bank, implying that her authority was defined by Bank of America policy. This is incorrect. Notaries in California are commissioned by the Secretary of State, and their duties are governed by California law, not employer discretion. 

As a result of the improper denial, I was forced to go to a XXXX XXXX that same daywith all signersand incurred an out-of-pocket expense of {$300.00} for notarization that should have been performed by the bank as advertised. 

I submitted a detailed complaint through Bank of Americas internal channels. I received two responses from XXXX XXXX XXXX, their Consumer Banking Market Leader. While he acknowledged that notaries are not limited to bank-related documents, he failed to address the specific statements made by the notary, the legal violations involved, or offer any resolution. His responses were nearly identical and dismissive in tone. 

I am requesting : Acknowledgment that the notarys refusal was improper ; Confirmation that internal corrections have been made at the branch level ; Reimbursement of the {$300.00} notary fee I was forced to pay ; Assurance that I will not face this issue again at any Bank of America location.

Violations involved : By the Notary ( State Law Violations ) : California Government Code 8225 ( a ) : Unlawful refusal to perform a notarial act when all requirements were met Government Code 8205 ( a ) ( 1 ) : Failure to fulfill duties of a notary public Government Code 8206 ( a ) ( 2 ) : Refusing service based on employer-related document content By Bank of America ( Consumer Protection Violations ) : California Business & Professions Code 17500 : Misrepresentation or deceptive advertising Bank of America publicly advertises notary services for a variety of documents with valid ID, without limiting them to financial paperwork Breach of implied contract / fair dealing : As a verified customer, I was entitled to the advertised service without arbitrary or unlawful restriction I am also filing a formal complaint with the California Secretary of State Notary Division regarding the individual notarys conduct.

I am not seeking conflictonly accountability, lawful service, and assurance that what happened to me will not continue happening to other customers.

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 monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XX/XX/XXXX ] Creditor Name : [ XXXX ] Account Number : [ XX/XX/XXXX24 ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
MOHELA has repeatedly delayed issuing my entire refund of overpayments made once I qualified for PSLF. See timeline below. 

XX/XX/XXXX : Received letter from MOHELA that I qualified for Public Student Loan Forgiveness. 

XX/XX/XXXX : Received letter from MOHELA stating my student loans were forgiven effective XX/XX/XXXX. The loans had negative balances due to overpayment of loans. Loan 1 had - {$7300.00}. Loan 2 had - {$4200.00}. Letter states if there are no other outstanding loans, a refund will be issued. 

XX/XX/XXXX : Receive letter from MOHELA stating I may be owed a refund due to overpayment on my loans. Contact them to verify contact information. Letter states to allow 60 days from information verification to receive any refund owed. 

XX/XX/XXXX : Called MOHELA to verify contact information, including address and telephone number. 

XX/XX/XXXX : Called MOHELA to check status of refund. Told to wait 60 business days for refund. 

XXXX-Received partial refund via XXXX Mail from XXXX Treasury Dept for {$1400.00} XXXX-Received partial refund via XXXX Mail from XXXX Treasury Dept for {$1400.00} XXXXReceived partial refund via XXXX Mail from XXXX Treasury Dept for {$130.00} XX/XX/XXXX Received partial refund via XXXX Mail from XXXX Treasury Dept for {$130.00} XXXXCalled MOHELA to check on remaining refund owed. Resolution Agent ( RA ) needs to review account due to " adjustments being made. '' XXXXReceived call from MOHELA RA, needs to research why account was adjusted, placed an 'expedited request ' for account review investigation. Allow 5-7 business days for review. 

XXXXCalled MOHELA. RA states expedited request remains untouched, reaching out to Resolution Supervisor ( RS ). 

XXXX-Received call from MOHELA. RS sees work order in the system ( work order # XXXX ). Give them 14 business days to investigate. Internal email sent regarding account and supervisor says she will call me with any updates. 

XXXX-Called MOHELA RA. No updates on the file, contacting RS. Review still pending. ETA for processing 90-120 business days.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is reporting XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX these are fraudulent and incorrect addresses. MY ADDRESS IS XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: WI

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland credit management put 2 collection accounts on my credit report! On e is for {$1100.00} opened XX/XX/XXXX of 2024 and it says on credit that midland is the orginal creditor and the account status is still open! This information is false.

Next is {$1500.00} opened XXXX XXXX 2024 and thst also says Midland credit management is orginal creditor and account is still open and that is also false. 

I notified the orginal credit card companies when I found out these were opened in my name without my knowledge and they agreed to remove from my credit do to fraud. Now my credit is perfect and all of a sudden Midland credit puts these on my credit claiming they are orginal creditor and the accounts are still open. All of this is wrong information. I also notified Midland credit of the fraud and sent proof that the real orginal creditor removed from my credit and Midland still placed these as collection accounts. In the event they are not removed from my credit I will be looking into getting a attorney to file a suit against this collections agency for all the violations of the fdcpa please help in getting this resolved to avoid this. All I need done is these accounts that I did not open and use be removed from collections accounts on my credit as it is devastating to my credit. Especially after the orginal creditor removed them. Also Midland credit is claiming they are orginal creditor and these lines are open which is a lie and each violations will cost them XXXX per fdcpa if i file a suit. Simply remove collections accounts of my credit and these and I will let these fdcpa violations go and not move forward will litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I would like to request confirmation of any potential negative information, as I want to know the absolute truth and facts. I am unsure if the reporting process was done correctly or if the format is correct. There are personal information who is appearing incorrect on my 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 2025-07-29 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: NY

Complaint narrative:
TRANSUNION EQUIFAX AND EXPERIAN MUST BE HELD ACCOUNTABLE FOR NOT REMOVING THIS INFORMATION LISTED. THEY HAVE ALL DOCUMENTATION ( ALSO ATTACHED TO CFPB ) AND FAIL TO PROVIDE DIRECT PROOF OF REASONS WHY ITS ON MY REPORT. XXXX XXXX  XXXX XXXX ACCOUNT NUMBER XXXX ON EXPERIAN XXXX AND ALL INQUIRIES ON TRANSUNION AS WELL INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
TRANSUNION EQUIFAX AND EXPERIAN MUST BE HELD ACCOUNTABLE FOR NOT REMOVING THIS INFORMATION LISTED. THEY HAVE ALL DOCUMENTATION ( ALSO ATTACHED TO CFPB ) AND FAIL TO PROVIDE DIRECT PROOF OF REASONS WHY ITS ON MY REPORT. XXXX XXXX  XXXX XXXX ACCOUNT NUMBER XXXX ON EXPERIAN XXXX AND ALL INQUIRIES ON TRANSUNION AS WELL INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX -- XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
This complaint is in direct relation to the inaccurate/ Incomplete information of mentioned accounts that are being furnished on my credit report. I have attached them with this complaint please remove them. My name is XXXX XXXX XXXX and this is not a third party filing this. 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 2025-07-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am currently under an active XXXX  XXXX bankruptcy case ( Case No. ( YOUR CASE # ) ) filed on ( DATE/ in /COURT DISTRICT ). An account with Wells Fargo ( ending in XXXX ) is still being reported on my Early Warning consumer file, even though it was included in the bankruptcy filing. I submitted documentation showing that this account is part of my bankruptcy, yet Early Warning refused to remove or update it, claiming it was accurate. This is a violation of my federal bankruptcy rights under the automatic stay. I am requesting that the inaccurate reporting be removed or updated to reflect the bankruptcy status immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am requesting the following actions be taken immediately to correct the inaccurate reporting on my credit file : Permanent deletion of the repossession remark associated with the account : Creditor : XXXX XXXX Account Number : XXXX If the creditor can not produce complete, verifiable, and lawful documentation proving this was an actual repossession and not the result of a mechanical defect that I reported ( faulty transmission ) then this account must be removed entirely from my credit report in accordance with FCRA 1681i ( a ). 

If XXXX XXXX can verify the account but can not validate the manner in which it is being reported, I request that the status be updated to reflect the true nature of the vehicle return ( mechanical issue, not default ), and that all derogatory data related to the " repossession '' be corrected or removed. 

I also request that TRANSUNION provide a detailed written summary of the results of its reinvestigation, including : Whether XXXX XXXX responded. 

What documents, if any, were reviewed. 

The outcome of the review process. 

This resolution is fair because it seeks to ensure that only accurate and legally substantiated information is reported on my consumer file, as required under FCRA 1681e ( b ). Misreporting a mechanical return as a repossession is materially damaging and must be corrected or deleted.

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