vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: MO

Complaint narrative:
I have been making qualifying payments toward Public Service Loan Forgiveness ( PSLF ) and, as of XX/XX/XXXX, I have 118 of the required 120 qualifying payments. Final forgiveness is anticipated after the XX/XX/XXXX payment. 
Due to MOHELAs servicing errorsincluding failure to apply processing forbearance, failure to credit payments properly, erroneous administrative forbearance placements, and delays in correcting account recordsmy PSLF eligibility is at risk of delayed recognition, potentially forcing unnecessary continued payments. 
________________________________________ XXXX XXXX XXXX XXXX XXXX Applied for PAYE repayment plan XXXX XXXX XXXXXX/XX/XXXX : Requested processing forbearance via online portal XX/XX/XXXX : DOEd guidance issuedborrowers waiting >10 days should be placed on processing forbearance XX/XX/XXXX : MOHELA acknowledges my application and request for processing forbearance XX/XX/XXXX : MOHELA confirmed receipt of original XX/XX/XXXX message and processing forbearance XX/XX/XXXX : Account still incorrectly listed in SAVE forbearance XX/XX/XXXX : Account moved into processing forbearance XX/XX/XXXX : Written correspondence and online portal shows payment is due ; MOHLEA incorrectly processes and records this payment Client called to correct errors XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Client attempted to correct errors in person at MOHELA XXXX XX/XX/XXXX but was told no one was in the building to be able to service customer accounts XX/XX/XXXX : Client called to correct errors told 10 days to process XX/XX/XXXX : Client makes payment in good faith XX/XX/XXXX XX/XX/XXXX : MOHELA escalated complaint, still unresolved XX/XX/XXXX : Next payment due ; resolution deadline requested : XX/XX/XXXX XX/XX/XXXX : Anticipated final payment to satisfy 10 year public service loan forgiveness obligations

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I have been a customer with Bank of America for many years, with several credit cards. In all of those years, I have only ever had one single late payment, which was 30 days late in XX/XX/year> on my Bank of America credit card. During that time, I had extensive and overwhelming medical bills as a result of XXXX diagnosis and treatment, the cost of going through the legal process of having my marriage annulled through the Court and becoming a single parent, and unexpected significant expenses on my house due to foundation, plumbing, and electrical repairs in excess of {$40000.00}. I had to sell my home after the costs became too much. I wrote a goodwill letter to Bank of America to explain these circumstances, and requesting they please remove this negative mark on my credit report as it was the one and only time this has happened, I had already gotten my account current after only the one late payment and had no late payments since, and to please consider my lengthy and spotless history with Bank of America for many years. The card has now been paid in full with a {$0.00} balance for several months. This negative mark has tanked my credit score, which made it almost impossible for me to afford a home for my son and myself, and will continue to punish me for the foreseeable future, which seems unnecessarily extreme for a single late payment in decades as a customer. Not to mention on top of all the other negative circumstances I was already going through. I beg Bank of America to reconsider its decision to not remove this negative mark, and to please show mercy to me as a longtime customer with a spotless history outside of this one single late payment.

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 2025-05-08 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:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Data Search NY, Inc.
State: IL

Complaint narrative:
I am submitting this updated complaint regarding a XXXX  XXXX XXXX credit card account tied to Claim ID XXXX, which has been the subject of multiple identity theft disputes XXXX legal proceedings. Despite XXXX XXXX XXXX XXXX XXXX XXXX via a fraud case ( ID XXXX ), XXXX TrakAmerica admitting XXXX escalated the original XX/XX/XXXX validation letter into a fraud claim evaluation, this account is still being litigated under XXXX name by XXXX & XXXX XXXX XXXX, XXXX any rebuttal affidavit submitted under Illinois Supreme Court XXXX XXXX ( a ). I refiled the Illinois Attorney General Identity Theft Affidavit on XX/XX/XXXX from the original sent on XX/XX/XXXX and XX/XX/XXXX and served both BoA XXXX  its counsel by XXXX ( tracking numbers attached ). As of today, neither party has filed a sworn rebuttal affidavit, as required by law. Instead, they continue pushing the case toward trial, ignoring identity theft, suppressing chain of title, XXXX  using procedural tactics XXXX avoid addressing fraud. 
In a recent court hearing, Plaintiffs counsel ( XXXX XXXX of XXXX XXXX XXXX ) stated on the record that Rule XXXX only applies XXXX transactions or the opening of an account without the defendants consent. However, this directly contradicts the facts of the case. The account in question includes over {$60000.00} in unauthorized transactions that are balance reversions XXXX claim evaluations, triggered by XXXX me. 
By counsels own definition, Rule XXXX applies here. Yet, instead of filing a rebuttal affidavit as required, XXXX is continuing litigation while evading the XXXX mandatory dismissal language. This contradiction proves the case is built on procedural misrepresentation XXXX  unresolved fraud XXXX  further underscores the need for regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
Dear CFPB/ Legal Team at the Credit reporting agencies : Over 90-120 days ago, I submitted formal written disputes to Experian, Equifax , and TransUnion regarding 3 accounts reporting inaccurate and misleading negative information on my credit profile. These items include : ComenityCB/PiercingPGD falsely reporting a charge-off despite contradictory creditor notation that the account was cancelled, not written off as bad debt. Payment dates and status vary across bureaus, violating FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 formatting. 

XXXX XXXX derogatory lates ( 30/60/90/120 days ) are inconsistently reported between CRAs, though the account was closed by consumer and paid. This misreporting is materially misleading and in violation of FCRA 607 ( b ), 1681e ( b ), and the precedent in XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX XXXX  XXXX ( Experian only ) Experian alone reports a 60-day delinquency with no balance owed and contradicts the positive history on TransUnion and Equifax. This is inaccurate and unverifiable under FCRA 1681i and XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. 

Additionally, I have disputed the following inaccurate personal addresses numerous times which continue to remain despite clear non-association : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX These addresses are not mine and may be the result of a mixed file or identity contamination. Under FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable reinvestigation and correct or delete any information found to be inaccurate or unverifiable.

Despite multiple disputes and supporting evidence, all three credit bureaus have continued to respond with template responses stating " verified as accurate '' without any proper validation or providing a method of verification as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). This is not a legally sufficient reinvestigation. 

The bureaus ' ongoing failure to correct these errors and refusal to conduct a proper reinvestigation over the last 90+ days is not only negligent but also willful noncompliance under FCRA 616 and 617, as supported by the courts findings in XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which holds that credit bureaus can not merely rely on furnishers without independent verification.

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 2025-05-08 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: MA

Complaint narrative:
Dear CFPB/ Legal Team at the Credit reporting agencies : Over 90-120 days ago, I submitted formal written disputes to Experian, Equifax , and TransUnion regarding 3 accounts reporting inaccurate and misleading negative information on my credit profile. These items include : ComenityCB/PiercingPGD falsely reporting a charge-off despite contradictory creditor notation that the account was cancelled, not written off as bad debt. Payment dates and status vary across bureaus, violating FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 formatting. 

XXXX XXXX derogatory lates ( 30/60/90/120 days ) are inconsistently reported between CRAs, though the account was closed by consumer and paid. This misreporting is materially misleading and in violation of FCRA 607 ( b ), 1681e ( b ), and the precedent in XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX XXXX  XXXX ( Experian only ) Experian alone reports a 60-day delinquency with no balance owed and contradicts the positive history on TransUnion and Equifax. This is inaccurate and unverifiable under FCRA 1681i and XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. 

Additionally, I have disputed the following inaccurate personal addresses numerous times which continue to remain despite clear non-association : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX These addresses are not mine and may be the result of a mixed file or identity contamination. Under FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable reinvestigation and correct or delete any information found to be inaccurate or unverifiable.

Despite multiple disputes and supporting evidence, all three credit bureaus have continued to respond with template responses stating " verified as accurate '' without any proper validation or providing a method of verification as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). This is not a legally sufficient reinvestigation. 

The bureaus ' ongoing failure to correct these errors and refusal to conduct a proper reinvestigation over the last 90+ days is not only negligent but also willful noncompliance under FCRA 616 and 617, as supported by the courts findings in XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which holds that credit bureaus can not merely rely on furnishers without independent verification.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-08 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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