vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint because XXXX XXXX Bank is reporting inaccurate, conflicting, and unverifiable account information to the credit reporting agencies and has failed to respond to my direct written dispute, which I sent via certified mail on XX/XX/year>. 

On all three of my credit reports, the exact same account is reporting multiple different statuses, including : Open / In Good Standing Charge Off / Closed Collection/Charge-Off Conflicting past-due amounts Conflicting credit limits Missing or N/A payment history months Different last activity dates This violates FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers may not report information they know or should know is inaccurate ). 

On XX/XX/year>, I mailed XXXX XXXX Bank a written dispute requesting : Billing statements Due dates Payment history Proof of the charge-off Verification of the balance and credit limit This letter and proof of mailing are attached ( see PDF evidence ). 
They did not respond within 30 days, which is a violation of FCRA 623 ( b ) requiring furnishers to investigate and respond to disputes forwarded by a CRA and direct disputes sent by the consumer. 

Because XXXX XXXX failed to verify, and the data continues to report inaccurately and inconsistently across the bureaus, this tradeline should be deleted entirely under FCRA 611 ( a ) ( 5 ) ( unverified information must be deleted ). 

I am requesting the CFPB require XXXX XXXX Bank to : Provide full verification with supporting documentation, or Immediately delete the account from all credit bureaus for failure to verify and for furnishing inaccurate information.

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 2025-11-29 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I received XXXX on XX/XX/XXXX. However, I was eligible and determined to have met the criteria for XXXX in XX/XX/XXXX. Due to the significant delays in processing when dealing with Mohela where you end up calling and fighting endlessly through a mountain of differing and untrue information, I continued to pay my loans so that my credit would not be negatively impacted. 

When my loan was finally forgiven, Mohela XXXX  out my balance and not that they processed my refund of nearly {$8600.00}, but they didnt and continued to give me the run around, blame the Department of Treasury and send me untrue documentation. They have finally acknowledged that they hadnt released my refund to the Department of Education for processing who then sends the authorization to the Department of Treasury who sends refund checks. I was told by a XXXX  XXXX  XXXX that they have XXXX business days to review and process my refund. It is now past XXXX business days and they are intentionally withholding money legally owed to me without path for resolution. I have asked for proof of release of my refund to the Department of Education and have not received it. I yave spoken to the Department of Treasury and The Department of Education and they confirmed that Mohela XXXX sent anything with name. It is illegal for Mohela to continuously withhold my refund without providing proof of payment or expected date of refund. It XXXX been nearly XXXX months. If I would have withheld payment to them while I endured their disastrous PSLF processing, they had the power to ruin my credit, that XXXX  spent my entire life building. I made those payments in good faith with the expectation that my over payment would be refunded to me in a timely manner aligned with XXXX XXXX XXXX laws. To date, that has not happened. This is a large amount of money that needs to be refunded to me, immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
XXXX/Milestone is reporting the account XXXXMilestone Credit Card Derogatory with inaccurate , incomplete, and unverifiable information. I disputed this account with all credit bureaus and directly with the furnisher. XXXXXXXXMilestone failed to provide any supporting documentation, including the signed cardholder agreement, original application, complete payment history, statement records, charge-off ledger, itemized balance explanation, internal investigation records, or a Method of Verification. XXXXMilestone also failed to provide the name or credentials of the person who allegedly verified the account. This violates FCRA section 611 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 6 ), and section 611 ( a ) ( 7 ). Reporting on this account contains inconsistencies between bureaus, violating the maximum-possible-accuracy requirement under section 607 ( b ). XXXXMilestone further violated section 623 ( b ) ( 1 ) ( A ) and section 623 ( b ) ( 1 ) ( D ) because it failed to perform a reasonable investigation and continues to furnish information that can not be verified. Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  unverifiable or unsubstantiated information can not legally remain on a consumer report. 



I requested the complete method of verification, including all documents required under FCRA 611 ( a ) ( 2 ) and 611 ( a ) ( 7 ), investigation logs, e-Oscar audit trail, source data used to verify accuracy, permissible purpose documentation for all inquiries under FCRA 604 ( a ), full account-level documentation under FCRA 623 ( a ) ( 1 ) ( A ), and all records substantiating the reporting, including contracts, payment history, repo notes, and any documents used to verify the information they are furnishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
There was a car loan taken out in XXXX of XXXX in the amount of XXXX. I did not purchase a vehicle, I was a victim of identity theft in the year of XXXX and XXXX my information is still floating around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-11-29 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MN

Complaint narrative:
I am filing a complaint because a collection account from FAIR COLLECTIONS & OUTSOURCING ( {$19000.00} ) is being reported inaccurately and without proper validation. 

Under FDCPA 809 ( a ), I requested validation, but the collector failed to provide : Original contract Proof of ownership Full accounting Chain of title Under FCRA 611 ( a ), I disputed the item with XXXX XXXX and they verified the account without proper documentation. 

I am requesting immediate removal of this account due to non-compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
In response to the collection attempt, I requested full validation of the alleged Upstart loan, including the original signed agreement, the complete payment history, and the chain of title showing every transfer of ownership of the debt as required under the FDCPA. The company only provided a copy of the contract and a partial payment history, but they failed to provide the chain of title or any documentation proving that XXXX XXXX legally owns or has the right to collect this debt. Despite not providing complete validation, they accessed and used my personal credit information without a permissible purpose and proceeded to file a lawsuit against me. I am requesting an investigation because the company did not fully validate the debt and obtained my information without proper authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 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 2025-11-29 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: TX

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: IL

Complaint narrative:
I am filing a complaint regarding improper debt collection activity by Hunter Warfield , Inc . 

This matter was litigated in the XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX Department, XXXX  District ( Case No. XXXX XXXX XXXX ). The plaintiff in that case was XXXX XXXX XXXX XXXX. 

On XX/XX/year>, in court, the plaintiff stipulated on record that : This case was not filed based on nonpayment, and instead, was filed based upon lease expiration. 

On XX/XX/year>, the court approved a settlement requiring my husband and I to pay {$2500.00} for use and occupancy only, in exchange for surrendering possession. We paid the settlement in full. The court then dismissed the matter with prejudice. No additional debt, balance, or judgment was entered or agreed to beyond the {$2500.00}. 

Despite this, on XX/XX/year>, we received a collection email and phone call from XXXX XXXX attempting to collect {$12000.00}, allegedly owed to XXXX XXXX XXXX XXXX. This attempt contradicts the court record, the plaintiffs own stipulation, and the court-approved dismissal. 

We have formally disputed the debt and requested validation under the FDCPA. 

This collection attempt appears to violate federal law because : The court case was not for unpaid rent The plaintiff themselves stated it was not based on nonpayment The settlement was paid in full The case was dismissed with prejudice No judgment or finding supports the alleged balance Attempting to collect misrepresents the legal status and amount of the debt I request CFPB assistance to ensure : XXXX XXXX ceases collection activity No credit reporting occurs The collector provides full legal verification if it claims a balance exists Attached documents : XXXX order dated XX/XX/year> Court transcript excerpt / minute order from XX/XX/year> noting plaintiffs stipulation Proof of {$2500.00} settlement payment Collection letter dated XX/XX/year> FDCPA dispute & validation request letter ( certified mail sent ). 

Reference XXXX XXXXXXXX Creditor : Governors Station Limited Partnership Summary of Complaint : We mailed a written Debt Validation Request on XX/XX/year>, which was delivered on XX/XX/year> and XX/XX/year>. Despite this, XXXX XXXX continued contacting us on XX/XX/year> regarding an alleged debt of {$12000.00}. This is a direct violation of FDCPA 809 ( b ), which prohibits continued collection without providing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because a XXXX XXXX  charge-off account is being reported inaccurately by the credit bureaus ( Experian and TransUnion ) . The account continues to show new updates, date changes, and ongoing activity even though it has been charged off for a long time. A c

harged-off account can not legally continue updating as if it is still active. These ongoing updates violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( c ) ( 2 ), because the information being furnished is incomplete, inaccurate, and misleading. A charged-off account must be reported with a fixed status and should not be updated unless a consumer-initiated payment is made, which did not occur. 

I submitted formal disputes to Experian and TransUnion requesting full verification of all balances, dates, and updates. I also asked for original documentation proving the accuracy of these updates. Neither bureau nor XXXX XXXX  provided proper documentation. Instead, the account continues to update incorrectly, harming my credit profile. 

This inaccurate reporting directly affected my ability to obtain FHA mortgage approval because it falsely shows ongoing delinquency or activity that is not

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 2025-11-29 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: WA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding the reporting of a late-open account on my Equifax, Experian and TransUnion credit report. Despite previous attempts to have this account accurately reflected, the reported information remains inconsistent with my verified payment history, and I am requesting a thorough reinvestigation under the standards mandated by the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). Accurate and complete reporting is essential to fairly represent my credit behavior, and these discrepancies continue to create a misleading impression of my financial responsibility. 
XXXX XXXX XXXX XXXX XXXX Balance {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this letter as my third formal dispute regarding the reporting of a late-open account on my Equifax, Experian and TransUnion credit report. Despite previous attempts to have this account accurately reflected, the reported information remains inconsistent with my verified payment history, and I am requesting a thorough reinvestigation under the standards mandated by the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). Accurate and complete reporting is essential to fairly represent my credit behavior, and these discrepancies continue to create a misleading impression of my financial responsibility. 
XXXX XXXX XXXX XXXX XXXX Balance {$7600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation