vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: MOHELA
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my credit by Mohela, related to a student loan account I was previously unaware of. 

I have always made timely payments toward my student loans ( XXXX ). I was under the good-faith belief that I had only one loan, which I was paying consistently. Unbeknownst to me, my student debt had been split into two separate accounts, and one was placed with a different loan servicer ( Mohela ) without my direct knowledge. I never received notification by email, phone, or updated mail. 

The servicer claims they sent letters regarding this second loan to my parents address which I have not lived at for over a year. I had no idea this account existed and therefore did not update the address for an account I did not know about. Once I became aware of the issue, I immediately brought the account current.

I respectfully request the removal of this late payment from my credit report on the grounds that : I received no adequate communication about this second loan. 
The servicer did not attempt other contact methods such as email or phone ( which they had access to through my FAFSA or existing loan information ).

I have made consistent payments and did not willfully neglect my debt.

This late payment has resulted in an unjustified drop of over XXXX points in my credit score, threatening my ability to secure housing as a first-time homebuyer.

I am not asking to avoid repayment. Ive already paid the amount due. I am simply asking for relief from the damaging credit mark that occurred due to a breakdown in communication that was out of my control.

I would greatly appreciate your review and assistance in resolving this matter. If needed, I am happy to provide supporting documents showing my consistent payments on the primary loan and the sudden appearance of this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AZ

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 4 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 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

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I FOUND INQUIRIES IN MY CREDIT REPORT THAT I DO NOT RECOGNIZE.

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 2025-06-12 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : 1 ) - XXXX Creditor Name : 1 )- XXXX XXXX  XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank ended my 0 % APR on a balance tranfer on XX/XX/XXXX. 
Therefore I made a payment of {$6000.00} on XX/XX/XXXX to avoid interest rate charges of 22.24 % APR. 
I called them on XXXX and XXXX confirming the end of the intial APR offer and specificallly told them to " Note the account for a XXXX payment that needed to be applied only to the revolving credit balance and balance transfer balance that started accruing interest of 22.24 % as of XX/XX/XXXX. They confirmed noting that account and that I shouldn't worry... 

They receivd the XXXX electronic payment as of XX/XX/XXXX They applied the payment to a revolving credit balance with a rate of 21.99 % and applied the remaining amount towards a TERM LOAN with a rate of 8.99 % instead of the 22.24 % rate. 
This is the second time Citibank violates the LAW when it comes to applying payments on my account and believe this is a company wide issue that needs to be reviewed and fined by the CFPB and other agencies responsible to helping consumers like myself. 
As of today, they blame me for making a payment prior to running a " New statement ''. 
I don't work at Citi, I don't work for a credit card company. How are consumers supposed to know employee information. If the agent I spoke with at the beggining of the month had told me the rules or guided my to wait to make the payment, that would be different. They withheld crucial information from me at the time of the call.

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 2025-06-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Email : XXXX, Phone : XXXX, SSN : XXXX Date : XX/XX/XXXX To : Transunion Consumer Solutions To : Equifax Credit Bureau To : XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Reported for XX/XX/XXXX Account Name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Dated : XX/XX/XXXX Dear Sir or Madam, I am writing to dispute an inaccurate late payment reported on my credit report for the above account, which is listed as 30 days late for XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that you investigate and correct this error. The payment was made on time and should not be reported as late. According to my records, the payment for XX/XX/XXXX was made ONTIME the day of the due date. The inaccurate reporting of this account as 30 days late is causing undue harm to my credit profile.

Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of this disputed information and remove or correct any inaccurate data within 30 days of receiving this notice. Additionally, pursuant to 15 U.S.C. 1681e ( b ), you must ensure the accuracy of the information you report to credit reporting agencies.

I have also sent a copy of this dispute to all 3 Credit Bureau 's to ensure they are aware of the error. I have attached copies of my identification and my consumer report. Please contact me at XXXX or XXXX if you require additional information to complete your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-12 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: VA

Complaint narrative:
DEPTOFED XX/XX/XXXX {$7800.00} DEPTOFED XX/XX/XXXX {$6300.00} DEPTOFED XX/XX/XXXX {$1500.00} DEPTOFED XX/XX/XXXX {$3200.00} DEPTOFED XX/XX/XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I reviewed my credit report and noted that XXXX has inaccurately reported late payments when my loans were in a valid forbearance status. By law, accounts in forbearance are not required to be paid, and therefore can not be considered " late ''.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly damaging both my credit and score. Despite prior assurances from your representative that these inquiries would be removed, they still remain. This failure to act is unacceptable. Their continued presence raises serious concerns of identity theft and is causing ongoing emotional and financial harm. These unauthorized and potentially fraudulent inquiries must be removed immediately to restore the accuracy and integrity of my credit report. I demand a prompt and thorough investigation without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MI

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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: AL

Complaint narrative:
The credit report companies continue to fail to meet their obligations to investigate my complaint on XXXX XXXX XXXX listed below so now I need it escalated to those reporting these accounts like XXXX  and XXXX. 

COMPLAINT Explanation ( Legal Basis for Dispute ) : I dispute the validity of this debt on multiple legal grounds. First, any agreement allegedly signed was done under duress, which under contract law renders it void or voidable. A contract entered into under coercion, pressure, or without free will is not legally binding ( see Restatement ( Second ) of Contracts XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Alaska 1978 ) ). Second, there was no clear disclosure of the amount to be charged prior to services, violating the requirement for informed consent and transparency in billing. This lack of disclosure constitutes a deceptive practice and may violate state consumer protection statutes such as the Truth in Lending Act ( TILA ) or relevant Health Care Fair Billing Acts, depending on jurisdiction. A contract lacking mutual assent on price is unenforceable. Third, I never entered into any agreement or business with XXXX XXXX XXXX and therefore I do not owe them any debt. There is no privity of contract between me and XXXX, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for a debt collector to attempt to collect a debt that is not owed. Attempting to enforce a void or fraudulent debt constitutes a violation under 1692e ( false representation ) and 1692f ( unfair practices ). Finally, since the original provider was XXXX XXXX, and I dispute the legitimacy and amount of any alleged obligation to them, any assignment or sale of the supposed debt to XXXX does not cure these foundational defects. I demand immediate cessation of all collection activity and removal of this account from any and all reports under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The 5 accounts consist of a personal loan from XXXX XXXX  opened XX/XX/XXXX, a XXXX personal credit card opened on XX/XX/XXXX, an XXXX XXXX XXXX  personal credit card opened on XX/XX/XXXX, a XXXX XXXX phone account opened on XX/XX/XXXX, and a XXXX XXXX personal loan opened on XX/XX/XXXX, and 6 hard inquiries from XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

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 : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX 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 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The credit report companies continue to fail to meet their obligations to investigate my complaint on XXXX XXXX XXXX listed below so now I need it escalated to those reporting these accounts like TransUnion and XXXX. 

COMPLAINT Explanation ( Legal Basis for Dispute ) : I dispute the validity of this debt on multiple legal grounds. First, any agreement allegedly signed was done under duress, which under contract law renders it void or voidable. A contract entered into under coercion, pressure, or without free will is not legally binding ( see Restatement ( Second ) of Contracts XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Alaska 1978 ) ). Second, there was no clear disclosure of the amount to be charged prior to services, violating the requirement for informed consent and transparency in billing. This lack of disclosure constitutes a deceptive practice and may violate state consumer protection statutes such as the Truth in Lending Act ( TILA ) or relevant Health Care Fair Billing Acts, depending on jurisdiction. A contract lacking mutual assent on price is unenforceable. Third, I never entered into any agreement or business with XXXX XXXX XXXX, and therefore I do not owe them any debt. There is no privity of contract between me and XXXX, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for a debt collector to attempt to collect a debt that is not owed. Attempting to enforce a void or fraudulent debt constitutes a violation under 1692e ( false representation ) and 1692f ( unfair practices ). Finally, since the original provider was XXXX XXXX, and I dispute the legitimacy and amount of any alleged obligation to them, any assignment or sale of the supposed debt to XXXX does not cure these foundational defects. I demand immediate cessation of all collection activity and removal of this account from any and all reports under my name.

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