vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint against Experian for multiple violations of federal and state consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Issues : Inaccurate Reporting : My Experian credit report contains multiple inaccuracies, including duplicate names, incorrect addresses, and false employer information. Despite previous disputes filed with the Consumer Financial Protection Bureau ( CFPB ), Experian has failed to correct these errors. 

Identity Theft Indicators : The report includes indicators of identity theft, such as unverified data that Experian has not blocked or removed, violating identity theft protections. 

Failure to Validate Debts : Experian has not provided adequate validation for several charge-off accounts reported, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX in violation of the FDCPA.

Unauthorized Disclosure of Personal Information : Experian has disclosed my nonpublic personal information without my consent, breaching the Gramm-Leach-Bliley Act ( GLBA ).

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 2025-07-28 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 submitting this complaint to report inaccurate and unfamiliar information being reported on my credit file. I have identified XXXX or more incorrect information, accounts and inquiries that I do not recognize, did not authorize, and have never had any prior relationship or knowledge of. These items appear to be incorrectly attributed to my profile. I have reached out to the reporting entity to request validation and removal, but have not received sufficient documentation proving that the incorrect information, accounts and inquiries belong to me or were lawfully initiated.

This reporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and possibly the Gramm-Leach-Bliley Act regarding the safeguarding and proper use of consumer 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 2025-07-28 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 have no knowledge or connection to these accounts. They appear to be fraudulent, and I request their removal and investigation. Documents supporting this are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX 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/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$670.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TN

Complaint narrative:
I disputed multiple inaccurate and unverifiable accounts on my TransUnion credit report. I requested a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), but TransUnion failed to conduct a reasonable investigation. They continue to report these accounts even though the debt collectors have not provided any proof or proper validation. TransUnion is in violation of FCRA 1681i and 1681s-2 ( b ), as they are required to investigate thoroughly, not just rely on automated responses or verbal confirmation. This was clearly established in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ). I am now suffering financial harm and emotional stress due to their negligence.

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 2025-07-28 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: TX

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. 
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

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 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Chase unilaterally lowered the credit limits on XXXX of my cards, my Chase XXXX XXXX card and my personal XXXX  XXXX  card, during a live phone conversation without allowing me to finish my explanation or appeal. This happened mid-call, after I was disconnected and immediately had a decision forced through without my input. 

The business account was lowered to {$15000.00}, which placed it over 100 % utilization, and my personal XXXX card was reduced to {$3000.00}, increasing its utilization to 70 %. This has already negatively impacted my personal credit. The reduction was done despite my documented history of timely payments, recent large payments, and an effort to resolve all debts under a broader financial recovery plan. 

Whats more troubling is that Chase has a history of reducing credit limits during financial hardship, including during the XXXX pandemic, despite customers actively trying to recover. This latest incident shows disregard for financial rehabilitation and transparency. The fact that my business account was reviewed and altered, and that action reached into my personal account without notice or recourse, feels unjust and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-28 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: OH

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against, Experian, Equifax, and TransUnion for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). 
I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 
Sincerely, It was sent through certified mail of XXXXXXXX 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 2025-07-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: IA

Complaint narrative:
I emailed Mohela a month ago with no response. Now I am hopping CFPB can help me. 
I am filing this complaint because I have been repeatedly denied, ignored, and now completely disregarded in my attempts to be released as a cosigner on a student loan originally serviced by XXXX XXXX. This loan is currently serviced by MOHELA.

I cosigned the loan in XXXX  for a friend. At the time, I was assured that cosigner release would be possible after the primary borrower made XXXX consecutive on-time payments. The borrower has now made over XXXX  years of on-time, consistent payments without default, deferment, or forbearance. The loan is in good standing and has always been paid monthly. 

Despite this, I have : Submitted multiple requests for cosigner release over the years. The original loan amount was for XXXX. It is now XXXX, XXXX. Not from lack of paying. Payments have been made on time for years. It is the high variable rate that I have no control over. 

Received no response or only vague denials from previous servicers Received no response at all from MOHELA following my most recent formal request for cosigner release This situation is not only frustrating but has had long-term financial consequences for me including increased debt-to-income ratio and damage to my creditworthiness for obligations I no longer have any control over.

What would you like the company to do to fix this problem?

I am asking that MOHELA : Immediately remove me as a cosigner from the loan, as the borrower has more than fulfilled the eligibility conditions laid out in the original loan agreement. 1 year of timely payments only to call and ask to be released and told that something changed when we never asked for a change. 

Provide a formal written explanation as to why my request has been ignored and the cosigner release not granted.

Conduct an internal review of the borrowers payment history, which clearly demonstrates consistent monthly payments over 17 years. 

Disclose their current cosigner release policy and explain how they are upholding ( or not upholding ) obligations passed from XXXX XXXX and XXXX. 

Companies involved : XXXX XXXX ( original loan issuer ) XXXX  ( former servicer ) MOHELA ( current servicer ) I respectfully ask the CFPB to step in and require MOHELA to respond to this matter and uphold the spirit and terms of the original loan agreement. The borrower has done their part. Ive carried this burden long enough. 

Sincerely, XXXX XXXX I am the cosigner, XXXX XXXX XXXX for XXXX XXXX on Loan XXXX XXXX, XXXX, XXXX with a current balance of {$53.00}, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My credit bureau has a report by XXXX XXXX, a collection agency. The account reported hasnt been used in a few years. The balance increased by {$440.00} in just the past couple months. The statement on report is as follows, XXXX XXXX XXXX collection balance increased Between XX/XX/XXXX and XX/XX/XXXX, the balance on your XXXX XXXX XXXX collections account increased by {$440.00} from {$950.00} to {$1400.00}. I was advised XXXX XXXX is who I need to contact. XX/XX/XXXX I sent an email to XXXX to inquire how it was possible to add nearly 25 % to the balance in just the past couple months. They sent me an email XX/XX/XXXX. 
Thank you for contacting us about your account ending in XXXX ( Resurgent ID XXXX ). Your account is being serviced by XXXX XXXX XXXX. Please contact them at XXXX for further assistance. 
Thank you, XXXX XXXX There was No answer as to how they could add additional fees of 25 %. It was added by XXXX or XXXX. This does not seem right, not legal. I need your help please. My intent in checking my bureau is to pay off debt but Adding 25 % doesnt seem right. Thank you for your assistance

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
My credit bureau has a report by XXXX XXXX, a collection agency. The account reported hasnt been used in a few years. The balance increased by {$440.00} in just the past couple months. The statement on report is as follows, LVNV FUNDING LLC collection balance increased Between XX/XX/XXXXXXXX  and XX/XX/XXXX, the balance on your LVNV FUNDING LLC collections account increased by {$440.00} from {$950.00} to {$1400.00}. I was advised Resurgent Capital is who I need to contact. XX/XX/XXXXXXXX  I sent an email to Resurgent to inquire how it was possible to add nearly 25 % to the balance in just the past couple months. They sent me an email XX/XX/XXXX. 
Thank you for contacting us about your account ending in XXXX ( Resurgent ID XXXX ). Your account is being serviced by XXXX XXXX XXXX. Please contact them at XXXX for further assistance. 
Thank you, XXXX XXXX There was No answer as to how they could add additional fees of 25 %. It was added by XXXX or Resurgent. This does not seem right, not legal. I need your help please. My intent in checking my bureau is to pay off debt but Adding 25 % doesnt seem right. Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing to formally dispute interest charges and the allocation of my monthly payments on the above-referenced credit card account. 

My account contains both promotional 0 % APR balances and standard interest-bearing balances. However, despite consistently making monthly payments exceeding the minimum due, I have been charged interest on the non-promotional balance. 

Specifically : My payments each month have been sufficient to cover both the minimum payment and the entire non-promotional balance, yet interest continues to accrue on that higher-interest portion. 

This suggests a misapplication of payments and a potential violation of the Credit CARD Act of XXXX, which mandates that any payment amount above the required minimum be applied to the balance with the highest XXXX. 

Please treat this letter as a formal dispute under the Fair Credit Billing Act ( FCBA ). I request a written explanation and resolution within the 30-day timeframe provided by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 did not open these accounts remove this XXXX  account and XXXX account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

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. 
and accuracies

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-28 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: AZ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
This is a fraudulent account, I was notified that this company is demanding payment. I have never lived here or have done business with this company. I am demanding that this account be removed immediately.

Company response to consumer: Closed with explanation