vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To Whom It May Concern, Subject : Formal Complaint Regarding Re-aged and Fraudulent Debt Not Belonging to Me I am writing to formally dispute and file a complaint regarding a debt being reported by LVNV Funding and Resurgent Capital Services, allegedly originating from XXXX XXXX XXXX XXXX. 

This account, which XXXX XXXX has marked as a charge-off, * * does not belong to me * *. Despite this, LVNV and Resurgent have continued to * * re-age * * the account on my credit reportsan action that is both deceptive and potentially in violation of the * * Fair Credit Reporting Act ( FCRA ) * * and * * Fair Debt Collection Practices Act ( FDCPA ) * *. In addition, XXXX XXXX has reported this erroneous debt as a LOSS. 

The repeated re-aging of a disputed and fraudulent account is damaging my credit and has caused me undue stress and harm. I am requesting the following actions be taken immediately : 1. Cease all collection activities on this account.

2. Provide written validation of the debt 3. Remove all references to this account from my credit reports with Equifax, Experian, and TransUnion.

4. Cease re-aging this account to falsely extend its reporting period. 

I am now escalating this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general 's office. 

Please be advised that under the FDCPA, I am requesting all further communication be conducted in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-05-15 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: NY

Complaint narrative:
EXPERIAN. EQUIFAX. TRANSUNION. 

Subject : Formal Demand for Immediate Removal of All Information Due to Security Breach & Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 12 CFR 1022.136, I demand the immediate removal of all information from my credit report within 24 hours due to systemic inaccuracies stemming from security breaches and identity theft.

Legal Basis for Removal FCRA 605B Blocking Identity Theft Information All accounts, transactions, and derogatory marks ( including late payments and closed accounts ) must be blocked and removed under 15 U.S.C. 1681c-2 ( a ). The 2017 Equifax breach and subsequent unauthorized access to my data constitute identity theft, requiring immediate action.

Closed Accounts Per 15 U.S.C. 1681c ( a ) ( 4 ), closed accounts must be removed if they are " inaccurate '' or " fraudulent. '' Security breaches render all account data unverifiable, necessitating deletion under CFPB Bulletin 2023-03 ( unverified information must be removed ).

Child Support & Collections Child support reporting violates 15 U.S.C. 1681c ( a ) ( 7 ) ( prohibiting reporting of certain civil judgments ) and 42 U.S.C. 666 ( a ) ( 7 ) ( A ) ( restrictions on credit reporting for child support ). Collections tied to breached accounts are unenforceable under FDCPA 809 ( b ).

Transaction History & Late Payments Post-breach transaction data is inherently fraudulent and unverifiable. Under FCRA 611 ( a ) ( 1 ) ( A ) and CFPB v. Equifax ( 2025 ), unverified data must be deleted.

Enforcement & Consequences 24-Hour Compliance Deadline : Failure to remove all information within 24 hours violates FCRA 621 ( a ) ( 2 ) ( A ) and triggers penalties of $ 1,000+ per violation.

CFPB/FTC Reporting : Non-compliance will be reported to the CFPB and FTC under 12 U.S.C. 5514 and 15 U.S.C. 45.

Legal Action : A lawsuit will be filed under 15 U.S.C. 1681n for willful non-compliance, seeking statutory damages, injunctive relief, and attorney fees.

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 2025-05-15 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: NM

Complaint narrative:
I am submitting this complaint because my credit report contains late payment entries that were inaccurately reported by XXXX. These late payments occurred while I was actively enrolled in a formal repayment program ( New Mexico Higher Education Loan Repayment program ) and I made all required payments on time or authorized them through the servicers system. The late reporting appears to be due to the servicers delay or administrative error, not any failure on my part. 

I have disputed these entries with the credit reporting agencies ( TransUnion, XXXX, and XXXX  ) and included documentation showing I was compliant with the repayment program and that the late payment was incorrectly attributed to me. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that these inaccurate entries be corrected or removed from my credit file. I am asking the CFPB to investigate this matter and ensure the furnisher and credit bureaus comply with their obligations under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am submitting this complaint because my credit report contains late payment entries that were inaccurately reported by XXXX. These late payments occurred while I was actively enrolled in a formal repayment program ( New Mexico Higher Education Loan Repayment program ) and I made all required payments on time or authorized them through the servicers system. The late reporting appears to be due to the servicers delay or administrative error, not any failure on my part. 

I have disputed these entries with the credit reporting agencies ( XXXX, Equifax, and XXXX  ) and included documentation showing I was compliant with the repayment program and that the late payment was incorrectly attributed to me. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that these inaccurate entries be corrected or removed from my credit file. I am asking the CFPB to investigate this matter and ensure the furnisher and credit bureaus comply with their obligations under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NM

Complaint narrative:
I am submitting this complaint because my credit report contains late payment entries that were inaccurately reported by XXXX. These late payments occurred while I was actively enrolled in a formal repayment program ( New Mexico Higher Education Loan Repayment program ) and I made all required payments on time or authorized them through the servicers system. The late reporting appears to be due to the servicers delay or administrative error, not any failure on my part. 

I have disputed these entries with the credit reporting agencies ( XXXX, XXXX, and Experian ) and included documentation showing I was compliant with the repayment program and that the late payment was incorrectly attributed to me. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am requesting that these inaccurate entries be corrected or removed from my credit file. I am asking the CFPB to investigate this matter and ensure the furnisher and credit bureaus comply with their obligations under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute to Equifax regarding an inaccurate {$160.00} balance reported by XXXX XXXX XXXX XXXX I provided official documentation from the creditor dated XX/XX/year>, confirming full payment and that no fee was associated with the transaction. Equifax acknowledged receipt of my documents on XX/XX/XXXX but has failed to correct or remove the balance. 

Despite resolving this matter directly with the creditor and providing proof, Equifax re-reported the {$160.00} balance on XX/XX/XXXX, causing a XXXX drop to my XXXX XXXX and negatively affecting my credit profile. This is unfair and damaging. 

I am requesting immediate correction or deletion of the inaccurate balance, restoration of my score, and written confirmation of the changes. The continued reporting of this resolved debt is unacceptable and must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
I submitted a dispute to Equifax regarding an inaccurate {$160.00} balance reported by XXXX XXXX XXXX XXXX I provided official documentation from the creditor dated XX/XX/year>, confirming full payment and that no fee was associated with the transaction. Equifax acknowledged receipt of my documents on XX/XX/XXXX but has failed to correct or remove the balance. 

Despite resolving this matter directly with the creditor and providing proof, Equifax re-reported the {$160.00} balance on XX/XX/XXXX, causing a XXXX drop to my XXXX XXXX and negatively affecting my credit profile. This is unfair and damaging. 

I am requesting immediate correction or deletion of the inaccurate balance, restoration of my score, and written confirmation of the changes. The continued reporting of this resolved debt is unacceptable and must be addressed 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 explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-05-15 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-05-15 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: GA

Complaint narrative:
I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate, and I am Invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitled to request validation of any debt a collector attempts to collect, including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA, Section 611 ( a ), credit reporting agencies are obligated to verify and substantiate information they report. ensuring it is accurate, complete, and fair.

Please provide the following : 1. Verification of the debt, including the name of the original creditor. amount owed, and any associated contract or agreement proving my obligation to pay.

2.

3.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show l agreed to pay the creditor for this debt.

4. Evidence that you have investigated this account as mandated by the FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per Section 611 ( a ) of the FCRA.

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 2025-05-15 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: NC

Complaint narrative:
I am urgently requesting intervention due to Mohela 's failure to process my Income-Driven Repayment ( IDR ) application in a timely manner. This delay is jeopardizing my ability to secure a home loan, as my student loan payment is inaccurately reported as {$500.00} ( due to HUD calculation rule of 0.5 % of balance ) instead of the correct {$150.00} max due after IDR is processed. This discrepancy is negatively impacting my debt-to-income ratio, which is critical for my mortgage underwriting process. Key concerns include : Lack of Timely Processing : Mohela has informed me that, as a Head of Household, my application may not be processed for up to a year, while applications for single individuals are prioritized. I have been trying to clear this up for over a year already. 
Inaccurate Credit Reporting : The delay is causing inflated student loan payments to be reported to credit agencies, which is penalizing my ability to qualify for a mortgage. 
Urgent Financial Risk : I stand to lose {$2500.00} in due diligence money and face housing insecurity if my application is not processed for XXXX credit reporting in advance of my loan closing date of XX/XX/year>. 

I would like to highlight Mohela 's broader issues, including lawsuits for mismanagement, delayed paperwork, failure to accurately report to credit bureaus, and poor customer service to include call deflection schemes, all which I have personally experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: GA

Complaint narrative:
XXXXI have multiple student loans with Mohela. I have been on forbearance long before XXXX  due to being on the XXXX  program attempting XXXX  for the last few years. I have been on 0% interest XXXX  plan this whole time, but Mohela started adding interest into my loans. XXXX XXXX  my balance was XXXX  then XXXX it went to XXXX then back down to XXXX  on XXXX. By XXXX, it went up to XXXX XXXX at XXXX, my balance was XXXX then at XXXX my balance went to XXXX XXXX have made multiple paymentsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have letters from Mohela stating I am on 0% interest rate. Screens shots of balance changes - all showing I should be at 0% interest. I have filed a complaint with XXXX  and messaged Mohela - spoke with people from Mohela who kept transferring me with 3+ hours of wait time, and no one is able to give me an answer. \n\nMohela is tacking on interest rates that shouldn't be there and refused to remove it."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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