vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX ; XXXX ; XXXX, filed on XX/XX/XXXX of this Year. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
Mohela was a student loan provider. In XXXX of XXXX, they transferred my loan to another institution. I was unaware and continued to pay Mohela {$900.00} a month until XXXX of XXXX. Mohela kept XXXX payments of {$900.00} a month and they wont transfer these payments to the new institution or send me a refund. When I contact them they put me on hold, transfer me, and eventually hang up.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and outdated information contained in my TransUnion credit report. This letter serves as a traditional dispute regarding the account listed below, which continues to negatively impact my credit profile despite prior dispute efforts. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Balance Reported : {$380.00} This account has been previously disputed and remains inaccurately listed with late payment notations that I believe to be erroneous, misleading, or unverifiable under the Fair Credit Reporting Act ( FCRA ). I am requesting that TransUnion conduct a reasonable reinvestigation of this item and remove or correct the late payment status if it can not be fully verified with proper documentation from the creditor. 
Under the FCRA, it is my right to dispute any information I believe to be incorrect, and I am entitled to a response within 30 days of your receipt of this request. Please update me in writing regarding the results of your reinvestigation and, if applicable, provide a revised copy of 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: CA

Complaint narrative:
On XX/XX/year>, I received an official Notice of Transfer of Servicing from Mechanics Bank XXXX XXXX informing me that my auto loan account would be transferred to XXXX XXXX XXXX ( XXXX ) effective XX/XX/year>. 

Despite this transfer, Mechanics Bank is still reporting the account as open with a past-due balance of {$140.00} as of XX/XX/year> on my XXXX  credit report. This is inaccurate and misleading, as they are no longer servicing the account. The account should be reported as closed with a {$0.00} balance from Mechanics Bank, or removed entirely if they are no longer furnishing data. 

I submitted a dispute through XXXX  and provided the transfer letter as supporting documentation. The incorrect reporting has caused a drop in my XXXX XXXX, which may impact my ability to obtain financing and credit. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to provide complete and accurate information. Mechanics Banks continued reporting of an active tradeline after transferring servicing violates this obligation. 

I am requesting that the CFPB ensure Mechanics Bank corrects this account by either updating it to reflect closed status with a {$0.00} balance or removing it completely if they are no longer the data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
Im following up because I previously submitted a dispute regarding XXXX XXXX  XXXX and unfortunately, the credit reporting errors are still unresolved. Whats even more frustrating is that TransUnion  and Experian  seem to have done little to no real investigation. The account is still being reported with conflicting and inaccurate information and thats a violation of the Fair Credit Reporting Act ( FCRA ). 
Im not sure how this is allowed. It's clearly a violation. 

Equifax is reporting XXXX XXXX late payments ( XXXX, XXXX, and XX/XX/year> ) but both TransUnion and XXXX  show OK or Paid as agreed for those exact same months. That alone shouldve raised a red flag if a proper investigation had been done. 

The account is closed with a {$0.00} balance after a refinance something TransUnion got right. But Experian still shows the account as Current with no mention of it being closed. That kind of discrepancy affects how lenders see me and is misleading at best.

All three bureaus are showing different last reported and last active dates, which is another violation of 15 U.S.C. 1681e ( b ) the FCRA requires that data be complete and accurate, and these inconsistencies clearly show thats not the case. 

TransUnion includes a comment that the account was closed due to a refinance, but Experian just says consumer disagrees as if Im just being difficult instead of pointing out a real issue. Thats not only dismissive, but again, not accurate reporting.

Under the FCRA specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ) creditors and bureaus are required to conduct a reasonable investigation when a dispute is filed. Just passing things through an automated system like E-Oscar is not enough, especially when the data is clearly conflicting and hurting my credit report. 

I ask to please ensure that TransUnion and Experian perform a real manual investigation and not just rely on the same system that failed the first time. 

Ive attached a current credit report screenshot showing all these differences side by side, so you can see exactly what Im dealing with. Im not trying to make a fuss I just want my credit report to reflect the truth. I've done number of disputes specifically to this account and can't believe that nothing is ever done. I dont know what else to do. 
It's clearly a violation and still sits on my credit report which is really affecting my family and I as I can't get approved to things because of this. 

Please Please Please delete this account from my report. 

XXXX XXXX XXXX - Account number : 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 2025-06-18 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:
I am writing to formally dispute the accuracy of an item currently being reported on my Equifax credit file. This letter serves as a traditional dispute request for an account that continues to show a derogatory late payment status despite a previous dispute. 
The information I am disputing is as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has already been disputed previously. However, the record still reflects late payment notations, which I believe are either inaccurate, outdated, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a reinvestigation of this account. If the creditor is unable to substantiate the derogatory status with full documentation, I request that Equifax delete or correct the reporting of this account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding a debt claim reported by Nelnet Student Loan, which I believe violates my constitutional rights and has caused me undue harm. 

According to Article I, Section XXXX of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this provision, I assert that any demand for payment not involving lawful gold or silver coin is constitutionally questionable. Furthermore, any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, clearly establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these fundamental requirements, I was subjected to collection efforts and reporting by Nelnet without receiving proper sworn validation of the alleged debt. Although I issued a request for validation, no sworn affidavit or legal affirmation under penalty of perjury was ever provided. I consider this to be a direct violation of my rights and a source of significant financial and reputational damage. 

Additionally, I reference Executive Order 13772, issued during the Trump administration, which affirms that the U.S. financial system should adhere to the Constitution and promote transparency and accountability. I believe the conduct of Nelnet falls short of those standards and requires immediate oversight. 

Given these concerns, I respectfully request the following actions : That all records related to Nelnet Student Loan be fully investigated and that any debt lacking proper validation be deemed unconstitutional and uncollectible. 

That all negative items be removed from my credit report, including entries from XXXX XXXX, with whom I am currently engaged in a fraud caseCase No. XXXX well as any other improperly documented accounts. 

That the CFPB undertake appropriate enforcement actions to ensure that financial institutions and reporting agencies respect constitutional protections and the rule of law. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-18 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: IL

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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-18 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Omega RMS, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation