vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-08-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX Account number : XXXX Date of charge off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the fair credit reporting act ( FCRA ), negative information such as charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. Subsection 1681 e ( b ) ). The continuous monthly reporting of this charge off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge off is seven years from the initial delinquency that led to the charge off ( 15 U.S.C. Subsection 1681 c ( a ) ( 4 ) ). Repeatedly reporting this charge off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor name : XXXX XXXX Account number : XXXX Date of charge off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the fair credit reporting act ( FCRA ), negative information such as charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. Subsection 1681 e ( b ) ). The continuous monthly reporting of this charge off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge off is seven years from the initial delinquency that led to the charge off ( 15 U.S.C. Subsection 1681 c ( a ) ( 4 ) ). Repeatedly reporting this charge off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

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 2025-08-13 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: CO

Complaint narrative:
XX/XX/year> - I placed a call to MOHELA to address an issue with my loans. Interest had accrued during forbearance and money had also been added to the balance of both my loans. 

XX/XX/year> - I received a callback from XXXX to further address the issue. She acknowledged the error with the account and placed an order for resolution in the system. She said it would take up to XXXX business to resolve. 

XX/XX/year> - I placed a call to MOHELA to check the progress on the order. I spoke with XXXX who connected me to a supervisor. XXXX from resolutions informed me that the issue has not been resolved but, " has been looked at a few times. '' She also recommended to " keep checking '' after the weekend. 

XX/XX/year> - Logged on to my MOHELA account to find interest had begun generating again but my issue remained unresolved. The interest remained on the account and the money was still added to my balances. 

XX/XX/year> - Placed a call to MOHELA to again address the issue being that it was past the stated resolution deadline of XXXX business days. I spoke to XXXX who connected me to a supervisor where I had to consent to a call-back due to them being busy with other customers. 

XX/XX/year> - Received a call-back from a supervisor to address the issue. When I asked why the issue has not been resolved at the stated deadline of XXXX business days, she responded, " Well it's XXXX business days after we resolve our backlog of orders. '' She was unable to provide a timeline of when it would be resolved, advised me not to make any payments to address interest accrual, and said to, " check back at the end of the month '' to see if it had been addressed since there is no infrastructure in place for MOHELA to actually contact the people they service and let them know changes have been made to their loans without their knowledge or consent.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-13 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: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: GFS II, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, my vehicle, a XXXX XXXX XXXX, was repossessed. I paid the full balance and submitted all requested documents the same day. Despite multiple emails and calls, Gateway Financial Solutions has not released my vehicle and only gives vague responses with no timeline or proof. I have filed complaints with the XXXX  and XXXX  Attorney General offices and request that the release paperwork be sent immediately with confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Mercury Technologies, Inc.
State: VA

Complaint narrative:
Between XXXX XXXX XXXX, a series of unauthorized transactions totaling over {$3600.00} occurred on my Mercury business debit card. These charges were made using my physical debit card in Virginia at locations such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while I was physically in XXXX. My only authorized purchases during that period were XXXX XXXX XXXX transactions at a local business in XXXX ( XXXX ). 

I discovered my card was missing on XX/XX/XXXX and immediately contacted Mercury to report the theft and dispute the charges. I clearly stated that I had not used the physical card in recent months, that no one else was authorized to use it, and that the pattern and location of the disputed charges were inconsistent with my account history as a business. 

Despite my timely report and the clear evidence that these transactions were fraudulent, Mercury denied my dispute twice, stating that the transactions did not qualify for chargebacks. They also refused to provide the specific evidence or merchant documentation used in making this decision.

Mercury advertises zero-liability fraud protection for unauthorized transactions, yet they refused to reverse these clearly fraudulent charges or provide transparency into their investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MS

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a formal written dispute to XXXX XXXX regarding the accuracy, completeness, and legality of a charged-off account they are reporting to credit bureaus. I specifically requested verification in compliance with the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), including the original signed agreement, full payment history, calculation of the charge-off balance, Date of First Delinquency ( XXXX  ), and proof of ownership. 

On XX/XX/XXXX, after their initial insufficient reply, I sent a second letter documenting multiple FCRA violations, including illegal re-aging ( continued monthly " CO '' charge-off reporting into XXXX despite XXXX  of XX/XX/XXXX ), inconsistent data between bureaus, omission of the XXXX in XXXX reports, reporting an inaccurate {$0.00} credit limit, and failing to mark the account as in dispute after receiving my dispute. 

XXXX XXXX responded only with copies of billing statements and a brief confirmation of account status, without providing the legally required documentation or conducting a reasonable investigation, as defined in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Their continued reporting of incomplete/inaccurate information has caused significant harm to my credit score and ability to obtain financing. 

FTC Report Number : XXXX I request that the CFPB XXXX XXXX XXXX to provide full verification in compliance with the FCRA or remove this account from all credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent a formal written dispute to XXXX XXXX regarding the accuracy, completeness, and legality of a charged-off account they are reporting to credit bureaus. I specifically requested verification in compliance with the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ), including the original signed agreement, full payment history, calculation of the charge-off balance, Date of First Delinquency ( XXXX  ), and proof of ownership. 

On XX/XX/XXXX, after their initial insufficient reply, I sent a second letter documenting multiple FCRA violations, including illegal re-aging ( continued monthly " CO '' charge-off reporting into XXXX despite XXXX  of XX/XX/XXXX ), inconsistent data between bureaus, omission of the XXXX in some reports, reporting an inaccurate {$0.00} credit limit, and failing to mark the account as in dispute after receiving my dispute. 

XXXX XXXX responded only with copies of billing statements and a brief confirmation of account status, without providing the legally required documentation or conducting a reasonable investigation, as defined in XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

Their continued reporting of incomplete/inaccurate information has caused significant harm to my credit score and ability to obtain financing. 

FTC Report Number : XXXX I request that the CFPB XXXX XXXX XXXX to provide full verification in compliance with the FCRA or remove this account from all credit bureaus 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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hi, I sold my house last month ( XXXX ), and the full amount was deposited to my BOA account. On XX/XX/year>, I came to a XXXX XXXX  office to deposit XXXX checks, the address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX check was deposited to my daughters XXXX account, XXXX check was deposited to myself account. The check no. Is XXXX and XXXX. On XX/XX/year>, I checked my BOA account, XXXX amount were processed from my BOA account. But until today, XX/XX/XXXX XXXX, this amount is not available at my XXXX account! XXXX system give me an explanation do not receive money from paying bank! What happened with my money? Where is my money now?! Would you please answer my question and let me know where money is? I think the same trouble with the amount that I deposited to my daughters XXXX account! And this is not the first time to happened to me! I am waiting for your response. 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 explanation
Consumer complaint received 2025-08-13 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-13 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: IN

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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