vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviey a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a fraudulent account on my consumer report that I am highly displeased with. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. In accordance with the fair credit reporting act The XXXX XXXX has violated my rights. According to 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a fraudulent account on my consumer report that I am highly displeased with. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. In accordance with the fair credit reporting act The XXXX XXXX has violated my rights. According to 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
The account is not a charge off. It states settled for less.it is paid the remains was a 1099c. Please remove this account from my credit report for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I would like to ask why I can't login to my paypal account using this email? I have remaining balance there. 

Please help me to settle this problem. 

Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 166b A creditor may not treat a payment on a credit card account under an open account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

I never gave you, Experian, Equifax, XXXXXXXX XXXX XXXX XXXXXXXX, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EQUIFAX, EXPERIAN and TRANSUNION has caused severe stress and XXXX due to the abusive and unfair practices. 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX NOTE : I was never late on ( XX/XX/year> ) ( XX/XX/year> ) on this account. Please update the account as Paid/Current. 
ACCOUNT NUMBER : XXXX NOTE : I was never late on ( XXXX XXXX ) ( XXXX XXXX ) on this account. Please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 1681 ( a ), you must complete the reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I received a copy of my credit report and I have found the following items listed below to be in error.

Pursuant to 15 USC 166b A creditor may not treat a payment on a credit card account under an open account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

I never gave you, Experian, Equifax, XXXXXXXX XXXX XXXX XXXXXXXX, any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. EQUIFAX, EXPERIAN and TRANSUNION has caused severe stress and XXXX due to the abusive and unfair practices. 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX NOTE : I was never late on ( XX/XX/year> ) ( XX/XX/year> ) on this account. Please update the account as Paid/Current. 
ACCOUNT NUMBER : XXXX NOTE : I was never late on ( XXXX XXXX ) ( XXXX XXXX ) on this account. Please update the account as Paid/Current. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 1681 ( a ), you must complete the reinvestigation within 30 days of receipt of this letter.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
This loan was inaccurately reported to the credit bureau and put on my credit report without following the due process of law. After the pandemic, the federal government paused the loan collecting process. However, XXXX ignored the federal judges ruling, and initiated the collection and reporting to the credit bureaus. The initiation of the loan collection was supposed to start on XX/XX/XXXX. But the XXXX XXXX started reporting erroneously to the credit bureaus earlier than the governments mandated collection date of XX/XX/XXXX. The fact remains that the borrower was not made aware of these loans accounts, ignoring the due process of law. Again, further violating the XXXX XXXX Rights and Privacy Act of XXXX. There is disastrous and derogatory credit worthiness which could lead to the impairment of possible opportunities in further employment, contractual work, and ultimately a XXXX XXXX XXXX XXXX 

Please remove these accounts from my credit report, XXXX XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
XXXX is reporting two XXXX XXXX accounts to Equifax with false and inconsistent data. Neither account has had valid payment activity since XXXX, yet Equifax reflects updates as of XXXX. Both accounts show XXXX XXXX monthly payments but were updated during forbearance or deferment periods, with balances of {$3100.00} and {$1800.00}. 

Account # 1 : XXXX ( Balance : {$3100.00} ) Account # 2 : XXXX ( Balance : {$1800.00} ) These accounts appear to be re-aged or artificially updated, which is misleading and inaccurate under FCRA 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ). Additionally, I have a pending Borrower Defense claim ( Case # XXXX ) based on school fraud XXXX XXXX XXXX failed to provide a certified instructor or proper training. 

Ive disputed this with Equifax and no corrections were made. Im requesting deletion of both accounts or an immediate reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/scrub>/2023 XXXX XXXX2023 XXXX XX/XX/year>2023 XXXX  XX/XX/scrub>/2023 XXXXXXXX XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX XXXX XXXX/XXXX/2023 XXXX XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX XXXX XXXXXXXX/XXXX/2023

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 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I owe over {$150000.00} in federal student loans from XXXX and XXXX school. I am ineligible for XXXX and XXXX XXXX programs, but I have consistently made payments. 

In XX/XX/XXXX, when the XXXX payment pause ended, I refinanced three of my highest-interest federal loans ( 7.98.5 % ), totaling over {$40000.00}, with a private lender. These loans were managed by MOHELA at the time. I understood that the refinance would pay off those specific loans. 

However, the loans remained listed in my federal account. I assumed this was a delay in record updates and continued making payments on both the refinanced loans and my remaining federal loans. 

In XX/XX/XXXX, my loans were transferred from MOHELA to XXXX. I was surprised to find that the three refinanced loans were still listed as active under XXXX. I contacted both servicers and filed a complaint through XXXX, which initiated an investigation. 

The investigation concluded with a denial. According to the documentation, the lump sum payment from my private refinance was not applied to the three specified loans. Instead, MOHELA distributed partial payments across all 14 of my outstanding loans. As a result, the three high-interest loans I intended to pay off have continued to accrue interest and remain active. I have now been making payments to both the private lender and the federal servicer for over a year, and the balance on those three loans has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my Consumer Reports and noticed I had a late payment on one of my accounts, which I have never been late on. Consumer Reporting Agencies have assumed a vital and important role and have the responsibility to report consumer information as accurately as possible. Reviewing my credit report, I noticed negative and inaccurate marks where I have never had any problems. 
( XXXX XXXX ) : ( XXXX ). Please investigate and provide supporting documents with statements demonstrating the late payment and the accuracy of the information reported on your credit report. If supporting documents can not be provided, I demand that this payment be promptly updated as appropriate, as I have never been late. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I sent a letter, along with my identification, proof of address, and explanation describing in detail the incorrect information published on this account, in my credit report. I requested for a proper investigation resulting in the information remaining inaccurate and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, This is a formal notice regarding your failure to comply with my block and delete request under 15 USC 1681c2. The fraudulent accounts listed in my dispute remain on my credit report despite the four-business-day requirement mandated by law. 

If the fraudulent information is not removed immediately, I will escalate this matter to legal action. 

Sincerely, 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation